Thursday, November 29, 2007

Santa chief is here at last!



I am sure that I had covered the holiday mood in the United states yesterday, especially with the current financial crisis far from over. The end result being that most of the holiday cheer seems to have disappeared with everyone and anyone in the United states going into the 'conserve' mood. Well, I can understand that with banks going tougher on credit and loans and with Mortgages, all one can do these holidays is to shop for discounts or at the least try and find where one can get some.
Well, that need not be your worry any longer, especially as the CouponChief.com is here with brand new exciting offers and discounts. Actually the amount of coupons they have here and the discounts that they offer pretty much makes this a 'must see' store. The next time you want to purchase your dad some of the Old Navy stuff, go here to make use of the fantastic discounts that they have. Or if you are looking for some of the more expensive stuff like electronics, just stop by the Dell and make use of the fantastic coupons that they have , because with those coupons, you can get all of the stuff pretty much at throwaway prices! Just follow the links and you are in!

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Tuesday, November 27, 2007

The DOW surges by 200 points due to Citigroup confidence!

For a change, today saw the DOW rebound by 200 points as the news of the Abu Dhabi Investment Authority investing more than 7.5 million$ in the already beleaguered Citigroup leaked out. This move is seem as a mark of confidence in the American economy and in this gloomy times, this news was indeed a welcome one at that.
But the underlying problems still remain and the investors confidence is indeed very much shaken at the very least.
So just because the Abu Dhabi Investment Authority has invested in Citigroup does not mean that all the sub prime and the mortgage disasters are gone, sadly they are still very much there. This is one mess that we all will have to run through and there is just no way that any investment in American companies is going to make that go away!

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Sunday, November 25, 2007

How costly is healthcare these days?

These days Health care costs is spiralling out of control as the Dollar takes a beating in the markets. With all the resounding effects being felt over all the industries, the Health care is not immune to this Dollar tango, no pun intended. With the health care costs being so much these days, the people may have to start looking for other options like cheaper health care and cheaper benefits that many suit their budgets.
The cost of the medical equipment and home health care products alone is astronomical these days and which is why I am glad that there is a company like Allegro medicals. This company is an Online retailer of medical equipment, home health care products, as well as a host of many other mainstream retail products as well. The best part is that all the products here are given out at very attractive rates that you may not even have to worry about the health care costs at all. This company has about 55,000 products, under 50 categories and hundreds of sub-categories and also offers great offers and discounts in its The Free Allegro eCatalog. With all of this, this company and its various products that are on offer, make this a much better alternative to the high costs of health care that we have at present in the United state. So what are you waiting for? Just click on the link above!

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The Gold buys are now!

With the Dollar as low as it is today, these are the days that one should purchase gold as the price for gold has really taken a tumble with the dollar being so low as it is today. But the low price of gold may not increase its sales as the U.S markets are still struggling with the credit crunch. Be that as it may, if you are seeking to purchase gold for festive reasons, then these are the days for purchasing them, or you can also reinvest in gold futures as they are looking a whole lot more attractive these days.

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The holidays or the homes?

With everyone feeling the pinch of the mortgages these days, the holiday celebrations are muted. It has almost become a case of either 'celebrate the holidays or get to keep the house' in most of the middle class homes all over the United states. People who used to take a winter vacation are nowdays staying at homes to make sure that they have the necessary payment to cover their mortgages. Since the credit crunch, more and more people are conserving their spending and budgeting their expenses.

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Saturday, November 24, 2007

Online research for easy local purchases!

Whenever we try to search or a product on most of the major search engines, we often get a location of the shop that is thousands of miles away from our place and that is the truth. The reality is that most of the search engines do not make your life easier for you, of course they will dispute this, bit the fact of the matter is that the results are often based on the amount of traffic that site gets. So lets say that you want to purchase a giant screen LCD television set, and you want to search some of the major search engines for the pricing and the location of the shop nearest to you and the directions to get to that place. You decide to search for it online with these search engines and the results you get will be enormous, like in the millions, and you will have to manually sift and sort through all of them personally before you can get to that local listing. See how difficult it is, here is where Krillion comes in.
With Krillion, you can search for the pioneer 50 inch LCD locally and get the pricing, local listing as well as the directions to get there. It has certainly made my life easier and now I have no problems with doing my online research and offline purchases. The next time you want to purchase anything and you want to do a bit of a research before you do that, then go to the link above and you will see that Krillion is the one that will guide you to the right place! So click on!

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The DOW goes down by 210 points!


The Stock markets all over the world have seen dramatic movements both ways all over the year but none have seen the consistent negative reading that the Dow has been giving off late. Of course, it is not the Dow that is to blame but rather the investors are fast losing their faith on the US economy. Today saw the Dow Jones decline by about 210 points and according to many analysts, we should expect more of the same in the near future. The Freddie mac news of losing nearly 2 billion$ has hit the markets very hard and on top of that we had Countrywide declare some major losses as well and to make matters worse, we had the analysts downgrade Freddie mac which by the way has also led to its counterpart Frannie mae reporting huge losses as well. The stocks of both Freddie mac and Countrywide has taken quite a beating especially with the news that there may be some liquidity problems in Countrywide in the very near future.
Things are bound to get worse before they get better but the million dollar question is 'how much worse are things going to get to?'. Well, according to most economic analysts, they are going to get a whole lot worse and that what we are seeing now is nothing much compared to what is yet to happen. Of course, no one is a Nostradamus here and as such anything can happen in the future, but the fact of the matter is that as day by day goes and we keep hearing more and more bad news, we are all losing our confidence in the American economy!

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Budget shopping is the craze now!


With all the economic tumbles that has taken place the shoppers to today are no longer splurging and have turned to discount stores in droves for the holiday season and the purchases. The crowds are going crazy for 'any discount that they can find on the shopping they have to do. It may be the season to be jolly but everyone is feeling the pinch this season. With the Dollar losing its purchasing power day by day, it is no wonder that the gloom has set in. With all this going on, most of the companies are seriously pondering layoffs for this year so as to minimise their loss. One can only hope that the New Year will indeed bring some new hope to the already beleaguered Dollar and the financial woes that we all are going through this season!

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The Capella life!

Education is the one important thing that we as Humans have contributed and are still contributing to, It is the one thing that has advanced our civilization more than anything else. Knowledge is power and that is more true today than ever before. As such, to countless foreign students aiming to pursue their higher studies in the United States, it may not be possible due to the high cost of transportation as well as the cost of the education. Education, at least the good quality ones come with a price tag that is simply just too high for most of these deserving students.
Which is why, I for one am glad that a place called the capella university is there. Capella university does not only provide an education opportunity for most of the students, local and foreign, but it provides a good quality education at that. It has about 104 graduate and undergraduate specializations and 15 certificate programs and to list them all here will take up all the space that I have. Lets just say that Capella university has made the online education strive for a better tomorrow by the high quality education that it gives out. The best part is that although the education that is offered by Capella is of the finest quality that one can get, it is also priced most attractively so that almost all of the students can afford it. Want to check it out? Just go to the links above and have fun!

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Thursday, November 22, 2007

The slots that you can not do without!

Everyone must have heard of Slot machines by now, it is one entertainment that we can not do without. I guess you can also call it a kind of stress buster, as it does that very effectively. These days one can find such entertainment online on the Internet, which is why they are called online slots. This site is really fantastic in the sense they have every kind of slot machine available at their site and I have to say that their collection is enormous, by any standards.
The slot machine is probably the best one that one will ever find online. Not only is it neatly designed but it is also very fast and effective. This is great especially when you think that there are sites where the game of slots will literally 'hang' the site up. With all the latest advances made in the field of graphics and multi media, playing the game of slots at this site is a real thrill seeker. Besides the slot machines the service that one gets here is next to the very best, so click on the links and come right on in!

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Why should we pay Tax?

No one likes the Taxman and paying taxes is not something that one would like to do regularly. The sad truth as to why the common man finds paying tax as pointless is mainly due to the incompetence of the politicians all over the world. As such the people all over the world are losing faith in their collective governments and the society as a whole.
So when a common man is asked to pay his or her tax, it is only natural that he or she will view it with suspicion, if the corresponding development were to take place and if such a development were to benefit the common man then he or she would naturally be much more willing to shell out a part of their pay to the government. The Tax disillusionment is one main reason as to why people are more prone to hide their money and assets than declare it to the tax man. It is not because they do not like the idea of paying tax, although that may be the main reason for some of them, but by and large, they really do not see the point in paying such a tax as they do not see much development taking place. Also the common man thinks that most of his or her tax dollars goes to the politicians pockets, so why should he continue to pay his tax? The year ending[ financial year] is not all that far away, just a few months down the line, and right after that, we have to declare our assets and pay our tax, for good or for worse,Personally I think that this system is not perfect and that there should be a system by which the government should explain as to what they are doing with our tax dollars[ I do not mean the budget], but rather explain to the public as to the spending and the expense bills that every politicians runs up to astronomical amounts. Am I right in asking this?

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Wednesday, November 21, 2007

Oil touches 100$ - well almost!

With various issues raising their heads all over the world starting from the Musharraf emergency and worries about Pakistani nuclear weapons to Iran and the nuclear weapons program to Middle east violence all these seem to be contributing a lot these days to the Oil bull run. With no end to saber rattling in sight, the Oil is bound to remain high for the next few days anyway.
This is all the more true as the demands on Oil futures seem to keep going up and as usual OPEC is not going to do much about the 100$ dash. With no end to all this in sight,maybe it is time that we all took to the issue of 'alternative fuels' a bit more seriously!

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Headhunting becomes all too easy!

Often hiring the right person for the job is all too difficult and you may not find the right match for your company for a long time to come. In this dog eat dog world, every second counts as the saying 'time is money' becomes all too true. We cannot afford to spend countless amount of time looking over various applicants and going through their interviews. As such this is where the headhunters step in, these guys are the best in the business and they make sure that you do get that perfect employee, that is they go out of their way to make sure that you find the right match for your company. These guys specialise in recruiting everyone from middle to executive to top “C level” management seem like a dream. These headhunters specialise in financial and risk management services, legal and legal support services, communications and technology, human resources consulting, and luxury products and within these fields, they will get you that all perfect employee that you and your company require!

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Tuesday, November 20, 2007

Fed forecasts a gloomy year ahead!


Well the markets were waiting for the Fed minutes and they are out now, the Fed forecasts a gloomy period ahead and with the unemployment bound to shoot up in the first quarter of the next year. This is not exactly an unexpected news but everyone were hoping that the Fed would do a magicians trick and wave its wand and make the whole Subprime and Housing disaster go away!
That is easier said than done, it is not all gloomy with the consumer index showing some signs of life.But come on, with such huge crisis like the Subprime and the Housing markets, there is bound to be some sort of a long term impact on the economy as a whole. It is going to be a tough road to walk on for the next few quarters and there is no going around this, this is one road that we all have to just grit our teeth and walk. After all, it is only when the things start getting tough, the tough starts going, so lets do that.

finance,economy,subprime,housing,Fed,


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Freddie Mac loses 2 Billion$ and now may go bust?

There are days when the bad news just keeps on coming , I am sure that there are many of you out there who wish that this subprime mess was taken care right in the beginning itself but hey, everything seems possible in retrospect. And today we get to hear about the Big Freddie losing a cool 2 Billion$ in all his subprime and the housing crisis.
Freddie Mac is the nations second largest buyer and the guarantor of house loans, since they announced this news, I guess that Big Freddie has taken quite a beating on Wall street already. What does this mean for the common man? Well, for one thing, getting a loan is not going to be all that easy from now on and Freddie is definitely not going to be smiling at your loan applications, that's for sure. The housing market is fast heading into a free fall, with the resounding impacts on the real estate and other markets which will become all too apparent soon!

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The best list that your business needs!

Every business needs all the edge that it can get so as to overcome its rivals. And in this 'dog eat dog' world competion is really fierce. Martin worldwide has managed to collect a databse, a huge mailing list and it is not just any Mailing Lists. This is a product of Martim worldwide called ResponseCom™. This peoduct is one huge mailing list that consists solely of direct mail resonders, that is these are the people who resond to direct mails and not just that, this list can also be customised according to your wishes. In short with ResponseCom™, you would have gotten an edge over your rivals as far as marketing and avertising is concerned.
Martin worldwide has many clients, many of them are small businesses and also big companies from the Forbes list. It really does not matter whether you have a small business or a big one because in the end you will need the List, because it is with this List that your success is assured. So if you want that extra edge, then click on the link above and come right on in!

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Canada crude fire and a weak Dollar push the crude prices up!

Everything seems to be pushing the Crude prices up, up and up. Now we get to hear about the Canadian fire that seems to have hit some of the Crude supply to the North American side of the continent and that coupled with the weak Dollar seems to be egging the Crude prices way up.
The recently held OPEC conference did not do much for any of us in the sense that all that was decided was to increase the supply but the catch is that the supply is not being increased right away and not by that much. So the OPEC is not going to do much with regard to the Crude prices as well; that certainly leaves the rest of the world to grapple with the rising Crude prices on its own.
Oil futures seems to be a welcome destination these days for many a foreign investor and they all seem to be buying the futures like there is no tomorrow, since a weak Dollar means great profits to be made in the oil futures as they will give you fantastic returns at a future date. This seems to be the case as the Fed is once again mulling rate cuts. From now on, we can expect the Crude prices and by that I mean the gas prices to head in only one direction and that is up!

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Wall street gets the hives ahead of the FED minutes!

With all the sub prime losses facing the markets, one would think that the Wall street would be reading the situation much more clearly but that has not yet happened. All that we are getting out of the Wall street these days are a knee jerk reaction to any financial data that comes out. Today was no exception, especially with the news that the Fed minutes can be expected any moment. That was all it took to blow some life back in to a heavily battered stock market.

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Saturday, November 17, 2007

The Monaco rare coins, a whole new world!

The world of rare coins is indeed a brave new world to many of us, there are so many of us who do not know what a rare coin is, where it was minted, were there any irregularities on the coin that makes it invaluable and so on.In short, if I were to say that we do not know much about rare coins at all, that would not be a statement far from the truth, would it?
Monaco rare coins are coin experts and as such are the people that you need to get in touch with especially in regard to developing a portfolio of rare coins. The Monaco rare coins company belongs to the Monex group of companies who are experts in hard assets investments. As such, the Monaco rare coins has access to unlimited resources all of which it puts to good use for the benefit of its clients, that is for people like us.
They have contacts in almost every rare coins market and in all probability know almost every rare coin dealer in the world today. As such, they are the ones that are well placed to get you not just the real stuff, but to get it at the least prices possible and if you want to sell off your collection of rare coins, that is also no problem to them. They will get you the best prices that they can get for your coin collection. It is with the help of Monaco rare coins that we can make our investments in gold coins and rare coins an investment that will last not just our lifetime but many lifetimes after that!

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Thursday, November 15, 2007

The Money help that we need!

With the cost of things spiralling out of control especially with oil reaching nearly 100$ is it any surprise that we all are felling the pinch these days. No amount of increase in the living expenses seem to diminish the hunger of the tax man. At times like these, some of us may find ourselves in a financial jam of sorts. There is nothing to be ashamed of admitting that we are finding it a wee difficult to make the ends meet. Don't fret anymore now that we have a company like this one here, which is providing that much needed relief to all U.K residents. What am I talking about, it is not about handouts but it is all about Payday Loans.
These days many a company is offering us loans so do not just choose the very first one that you come across. Before taking a Cash Advance it is always important to do some research and try and find out which company is the best. That is exactly what I did and this company is one of the best in the sense that they have some of the lowest interest rates that I have seen when compared to others. That is not all, they have a fantastic repayment plan that is altogether flexible.
In the land of the kings and queens, and the most expensive city in the world, is it any surprising that I for one am glad that this company is out there to help people like us?
The application for the Salary Advance can be made online itself and it gets approved very very quickly and the money gets transferred to your bank checking account within minutes of approval. So all you need to do in order to apply for this short term loan is to go to the links above, click them, go to the site, fill in on the details and before you can say 'hot jiffy' you will find the money sitting in your account! So just click the links and come on in!

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Movie star autographs - do you want them?

This concept of getting the Autograph of famous people is really quite old in the sense that since time immemorial, we have always wanted to share in the glow of the rich and the famous. The only difference is that now we no longer have to stand in long lines for it or undergo any other hardship for it. This company provides its services to us by getting us these autographs for a reasonable price.
The great thing about this site is that it is so neatly designed and has a very organised feel throughout the site. Film stars to one side then the sports section to another and there are other sections as well. Can you imagine what will your grandson or granddaughter say about a signed autograph of Rowling, the creator of Harry potter? They would be in the seventh heaven. That is not all, collecting the Autographs is also an investment in the sense that 30 years from now, the autographs that you acquired with the help of this site would have become 10 times as valuable. They are just like the baseball cards, the older the card, the older and more famous the autograph is, the higher its value.
I guess getting a Signed Photo of Bo Derek would definitely be the high point for some people. The neat thing about having such a memorabilia is that the older it gets the more valuable it becomes. I am sure that today, Lincoln's autograph will definitely sell for thousands of dollars in the market today. So care to make an investment, if so, just click on the links above and come on in!

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Wednesday, November 14, 2007

Dollar seems to be eating the dust these days!

Well at least it is official at last, almost all the currencies are leaving the Dollar eating their dust, even the Yen is becoming resurgent to the Dollar much to the chagrin of the central bank of Japan, even if they wanted to fiddle the forex market which is what they always do to keep the Yen down, but this time around the sentiment of the whole market is against that.
Today saw the Indian Rupee end a losing streak against the Dollar and surge ahead to cap all the losses it had made in the last few days. With the Bull market showing no signs of slowing down and a very strong resurgent economy, this is to be expected. But on a cautious note to all the forex dealers out there, keep in mind that the Indian Rupee is not yet a free flowing currency, that is, it has not yet become Fully Convertible and in such scenarios, the Reserve bank of India is a whole lot more protective towards the Indian rupee and they will ensure that it swings either way within a very narrow margin.
But it is this very margin, that is the 1$ to 39 INR range that is giving much excitement and joy to the forex dealers world wide. One can even say that no other currency is showing so much volatility within such narrow ranges and people are just making bundles on mere movements of just 10 paisa on either side. It is like a Forex market within a Forex market, with only 2 players, the Indian rupee and the U.S Dollar. What goes up comes down in the afternoon and by the evening, the strong economic data of the day boosts the Indian rupee all over again. So people get to make money not just once or twice but three times a day. It is no wonder that nearly all the forex dealers that I met today have a big smile on their faces and they just cant seem to stop talking about the Indian Rupee and the falling Dollar!

,,,,

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Tuesday, November 13, 2007

The Furnace that you may need right now!

Everyone cooks or nearly everyone does and if you cook without a Furnace Filter then you will feel as though you are being suffocated. Can you imagine being surrounded by a high flame and the masala smell and with your sweat running down in rivulets down your body, how enjoyable will you truly find that experience?
Which is why all kitches require a good Furnace filter to help filter out all that bad smoke and smelly vapors.
But before one does purchase it, one should always compare all the Furnace Filters and see which one is the best and which comes with a good customer service. Because a filter will need good maintanence so you will require the furnace to get sericed every now and then!

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The right payday help!

As often when we need help with our finances, we often tend to make dumb decisions and then tend to make them even worse by doing something even more dumber. We all need that extra bit of help as without it where would we be? The holiday season is almost on us and to be honest I can only think of the impact that these holidays are going to have on my wallet. There are so many gifts to buy and what is more ,a holiday to plan as well. At times like these, it often becomes difficult to make both ends meet.
When we are faced with such a scenario we often tend to either sell something that is priceless to us or tend to ask our friends for money. The first one is really dumb and when we sell them, we often cannot sell it for its true worth. Where as the second one is even dumber, since we all need our friends and often asking our friends for money may see them rushing out of the door once and for ever. There are many sensible options that we can use in such situations and the best amongst them is the option of Faxless Payday Loans.
This site is one of the best in the sense that they offer you quotes right away with no strings attached and the service is done very quickly. You can apply online and the whole process takes only a moment of your valuable time. Their rates of interest are quite low when compared to the others and what is more , they have a very attractive repayment plan. So of all the sites that i saw on payday loans these guys are the best, at least in my opinion they most certainly are. So check them out and go to the link above and do some debt consolidation!

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Dollar hitting new lows against the yen!

Today the Dollar is trading at new lows against the Yen, currently trading in the 110 margin. Just a few months back the Dollar was at 118 to the Yen but with the subprime and the housing market the Dollar is fast heading to new slumps and it seems that it is pulling the Gold with it. Many of you know that before the 1980's the Dollar was pegged to the Gold but that has since then been de linked.

But the sentimental factor along with a really cold beary market is fast sending the Gold in the direction of the Dollar. But that is good news for the consumers in the sense that they can now get the gold jewellery at a much lower rate. But the problem is that there are not that many consumers who want to purchase anything right now and all the purses and the wallets are busy tightening and the consumer spending is getting lower. Which is why the festival season could not hae come at a much better time and with X'mas right around the corner perhaps with increased spending by way of gift purchases by the consumer and better news in the market, thew Dollar can start looking up!

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Sunday, November 4, 2007

The Trust that we show on product ads!

In this day and age it is nice to know that we still believe in what we see must indeed be true. But unfortunately there are a lot of others who know this as well and do their best to take advantage of our good nature. What am I talking about? I am talking about the ads that we come across online or on the telly, each and every one of those ads promising the earth and the heaven if we purchase their products.
It would sure be great if we had a site that not only reviews the products that we want to purchase but also rates them. Guess what, this site does exactly that. It reviews each and every product from provillus to the ones that promise to make you 'stop smoking'.
As you see, it is difficult to make a judgement call as we see the ads. We all need a site like this where actual people review the products and rate them accordingly. Recently I was looking at a company for a cash advance. But I was not sure if I was approaching the right company. I decided to go to this site and they managed to refer me to the right place for some payday loans. If I had gone to the wrong kind of place, their interest rates alone would have been designed to keep me in debt forever. Which is why, anytime from now,if you want to buy something, just go to the links above and check out the product or service first to see how it has been rated by actual users of that product!

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The heights of Fashion!

In this day and age, if you are not wearing the latest designer clothes or the latest fashions, you are not the 'In crowd'. I know, that makes us sound very shallow, but hey so what? There is nothing wrong in looking our best,is it? There are many places that offer you the latest fashions and they all charge you an arm and a leg,literally for the purchase. It is difficult to get a place that not only6 supplies you with the latest fashions but also does it at extremely attractive rates. One such place is this site, where you can get the latest nudie wear for literally throwaway prices!
If there is one thing that is supposed to set us apart from the rest of the pack,it is the clothes more than anything else that does it. Clothes make the Man or Woman, fro top to bottom. There is just no arguing around that. Many places may offer you duplicate labels and inferior clothing for prices. Here they offer you the very latest in fashion which are not some pirated duplicates but are the real stuff. What is more, you can get the very latest in fashions like say the latest nudie jeans for really attractive rates.
Here at this site, they not only have the dresses by the labels or the category but also by the designer. They are available for both Men and Women and in all sizes and shapes. If you are a woman in need of the very latest in 'Vogue', then this is the place top come to and get your dress of the day like the seven for all mankind . Hurry up while stocks last!

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Saturday, November 3, 2007

The payday saviour!

We all have been in that place where an extra bit of cash was much needed by us. At times like those we have a tendency not to think clearly, we may do something like borrowing from our near and dear ones. Or we may even do something far worse than that, like selling off our family heirlooms for really cheap prices. Can you imagine selling off your Picasso heirloom for just a few thousand dollars when it could easily fetch millions in today's art market. That is just it, at times like those we have a tendency to do the most dumbest of things. Which is why we should explore various options like cash advance before we even to those dumb things.
The times of the holidays are the ones that are always the hardest on our wallets. At such times we often find ourselves strapped for cash and would definitely be in need of some payday loans. There are so many sites that offer this service but the most important detail that we should use the sort through such sites is the rate of interest and the payment plan. If we are not careful we may end up falling into a sort of a debt trap. Which is why after careful research I have found that this site is one of the best that is there, offering us attractive cash advance for almost nothing! So if you are in the need for sme dire cash and all you need to do is to go to the link above. This site approves your application very quickly and they also deposit the money you need right into your checking aqccount!

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The software courses to jam about!

Computer courses are an essential part of every young man or woman's life. It definitely adds a boost to one's resume, after all in this world of high end technology it is definitely a 'must have' on every resume. The question is not about whether it is absolutely necessary to study about computers but rather about where to study it? With so many places offering computer courses one would have to choose one where one can be sure of getting a quality education and at the same time, a place where one is not required to pay a king's ransom in fees.
This place offers to do both and I have to say that after seeing all the other places and the fees that they charge this is certainly one of the best, at least in my books. This place offers you some of the most advanced computer training for a fraction of what it would have cost you at all those other places. That is not all what this place has to offer, on the menu is also a package on Leadership training that will certainly help you to seize matters and to take a lead in any decision making that may be required of you. So if you are in need of some software courses then all you need to do is to click on the links above and come right in!

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