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When we walk down the street and encounter a stray cat, it is hard for us to imagine that this seemingly healthy and vibrant kitty might actually be very sick. This phenomenon is true with even our human counterparts. Part of this deceiving reality is the Feline Immunodeficiency Virus, or FIV. This virus affects more than 11% of cats worldwide.

The probable immediate association, once a person hears this, is with HIV or Human immunodeficiency Virus. The two are very similar in how they are transmitted and also how they affect the body. It seems, though, that cats are better able to deal with the disease in terms of life expectancy after it has been contracted.

Contracting FIV is not a death sentence for a cat. In fact, most cats go on to live happy and healthy lives and carriers and transmitters for several years. FIV attacks the body much more slowly than HIV does. Transmission usually takes place in the form of deep bites or scratches, although other forms of transmission do occur, as traces of the virus are found in other areas of the body such as the vagina, the rectum, and the mouth.

The disease occurs in three stages: the Acute stage, the Subclinical stage, and the Chronic stage. The first stage, acute, happens immediately after transmission, during which time the cat experiences fever and depression. Once the cat has survived the first stage, it goes into the second stage, Subclinical, when the cat appears to be completely healthy for an extended period of time. At the third and final stage, Chronic, the cat suffers from the effects of the disease, developing one or several other nonrelated diseases that it would not have contracted were it able to maintain a healthy immune system.

Despite the fact that cats, especially those house kept, can survive for very long periods of time without treatment, many cat owners insist on treating the symptoms of their pet. A new treatment, released in 2006 and sold exclusively through, IMULAN Bio Therapeutics, LLC, has been developed to counter some of the internal symptoms of the disease, like anemia and thrombocytopenia, a small amount of blood platelets.

FIV affects the entire cat family and is found in numerous big cat species found all over Africa. It seems though that these cats have developed a certain evolutionary resistance to the disease over time. If you think your cat might have FIV, be sure to contact a veterinarian in your area. For more information, consult us at http://houstonveterinarianclinics.com/

Joseph Devine

You see a lot of Forex trading systems online that claim that there complicated mathematical formulas can beat the market but this is not true for one simple reason.

Fact – Forex markets do not move to a mathematical theory which you can predict forex price movement with and the rest of this article will explain why, give the proof and show you a better way to win with your forex trading strategy.

You will hear a lot of traders telling you maths works and that gurus theories such as Gann, Elliot and Fibonacci are scientific and mathematical ways of doing trading but the definition of a mathematical theory is:

It works ALL the time not now and again!

The theories just mentioned don’t and neither do any other mathematical theories – its rubbish to say forex markets move to mathematics.

You often see systems sold that say they work to complex mathematical algorithms or were devised by a wiz kid – but look at the track record and what do you see?

A made up track record in hindsight, using closing data and knowing everything that happened! Well that’s not hard to do, anyone can make a profit if they know tomorrows price today but that’s not real life. Real life is – trading without knowing the price.

The track records are simply bent to show a profit, on the data segment studied and the more it’s bent, the more unlikely it is to work in real time, as no two segments of data ever repeat exactly.

If You Want to Win at Forex Remember this:

The markets don’t move to some mystical law that repeats exactly – but they do move on probability and by trading high odds set ups, you may not win every time but you will win more than you lose and with sound money management you can win long term.

The key is to use a simple odds based method, as simple systems always work best, as they have fewer elements to break in the brutal world that is forex trading.

Think About this key Point

In 100 years despite all the advances in computers, forecasting and speed of communications, we have seen no increase in the number of winning traders and this goes to show that complicated mathematics and fancy theories do not increase the odds of success.

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Success in forex trading is dependant on a simple robust forex trading system, combined with discipline and sound money management; this has always been so and always will be.

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There is currently a genuine state of confusion regarding commercial loan rates. The confusion is not just restricted to borrowers, either. Brokers, lenders and professional investors are all struggling to get a handle on what is going on with commercial loan rates.

Borrowers are under the impression that we’re at historic lows. They hear about the feds lowering rates and also hear national banks quote ridiculously low rates. What these national banks aren’t advertising is that their decline rates are at historic highs. Is difficult to be able to track a statistics like this but my friends and associates that work at intuitions like Bank of America, CITI etc tell me that there decline rate are at 95% or so.

So what that means is that they are cherry picking to an incredible degree (can you blame them?). The low commercial loan rates that they are advertising are only relevant for 5% of the borrowers that apply. Think about that for a moment, for every 100 people that fill out those 6 page applications, provide their tax return, etc, 95 of them are getting declined. As a comparison the decline rates are normally more like 50%.

The confusion is not just restricted to borrowers but to professionals in the industry as well. The spreads or margin are varying from one lender to the next more than we have seen. People in the business are struggling to understand why. Normally if you were to get 10 quotes on the same deal the commercial loan rates would be within .25 -. 35% of each other. Perhaps a few would tweak the prepayments or term, etc but their rates would be close. Now we are seeing commercial loan rates on the same deal varying between 2% -3%…

Part of the problem is that some of the lenders and banks themselves are having their cost of capital increase. Some of their credit rating are being lowered, as their balance sheets are scrutinised. So despite the Feds lower their rates, the margins that the banks charge (in order to cover their costs, risk and make a profit) go up as their cost of capital go up. So as one bank is more financial healthy than the next its costs of capital varies.

So what’s the happy ending? We currently don’t have one. If you’re thinking of buying or refinancing a commercial property in the next few months we would suggest getting it done now as in maybe a while before things re-stabilize and commercial loan rates become more universal.

Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He has a STORE for commercial loan brokers. Contracts, spreadsheets, books, etc. Products starting at $4.95! Check it out commercial mortgage broker store or commercial loan rates

Smoking is not just a burden on your health but your finances as well. There is the direct cost of purchasing them and the accrued cost over time can be ridiculously high. The collateral financial cost of smoking is the negative impact it can have on life insurance. Smokers more than other clients will be more likely to suffer serious illness or die as a result of the habit, and so companies know there is a higher standard of risk involved when offering them life insurance.

Smokers will no doubt be quoted higher costs because policies are taken out over the long term. The variation in quotes is stark in its honesty. For example, a policy which has the lowest price quoted for £200000 of life cover for a smoker over 25 years with critical illness cover included on a single basis, will be £4503 dearer for him/her as opposed to most policies for non smokers.

If a smoker is thinking of bending the truth when applying for a policy, the best advice is not lie at all. By saying a person is a non smoker on their policy-despite cutting a 20 cigarette habit a day to, say, 2-they run the risk of their policy being declared void or even fraudulent. If a person hides the fact about their smoking and this lie is discovered when the insurer is assessing a claim, they can easily refuse to pay out. The discovery can be even more embarrassing as the client may even be asked, as part of the application process, to undertake a saliva test to confirm that their non-smoker status. If the lie is then discovered for example, the application may be declined and other insurers could then refuse to cover the individual.

The key number is 12 months. That is all a smoker has to survive to gain a better life insurance quote. After a year of not smoking, life insurance companies start to class you as a non-smoker, and being a non-smoker can result in premiums of life cover and critical illness cover being 50 per cent lower. Of course a cheaper premium is not a certainty, as it depends on age and health but by ceasing the habit, the client stands a much better chance.

The best advice then to a smoker is obviously to quit the habit, and after doing so if the individual has honestly survived the 12 months without a cigarette then they should tell their insurance company straight away. Furthermore, the individual would be well placed to research the insurance market and find the best deal when renewing the policy-the likelihood being that the best premium will be from a new and different life insurance provider.

Saurav is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

One of the big reasons the forex market is so popular is because it never stops, and is available around the clock on the foreign currency exchanges. But despite the popularity of forex, very few are successful with forex trading because of the huge commitment in time and effort to analyze the mountains of data that need to be considered when negotiating a forex trade. Nobody can possibly do an accurate job of monitoring them all at once, especially with the constantly changing information.

Some brokers offer what is known as a forex signal to their subscribers. Yes, it costs money to become a subscriber. These forex signals are simply recommendations from that forex broker to buy or sell, and these signals are generated pretty much automatically based on their own complex algorithms as well as their knowledge of the forex market. An example of such a signal might be something like “The EUR/USD bid is currently at 1.6528 and declining, buy now but sell when it gets to 1.6218″.

Sometimes these signals are free, sometimes they come with a subscription, but even so, keep in mind that a particular signal is being sent to hundreds, even thousands of people at the same time. Are you starting to see the problem?

The problem with this is that you are simply taking their word for it. You have no basis for this, and if you as a forex trader are getting this signal, so is each and every one of their other subscribers. If that same message is sent to several thousand forex traders who might be subscribers for this broker, doesn’t it just make logical sense that your profits are going to be minimized? Think about it – if were as easy as just following the signal sent by your forex broker, why wouldn’t everybody and their brother be doing this?

This is not to downplay the role of a forex broker, not at all, since they have their place and can provide a valuable service to their member traders. But you need to realize that the much bigger money to be made in forex trading is learning to analyze the forex market yourself and learn to generate your own signals for trading based on the experience you gain from your analysis of all the data available.

But wait a minute, didn’t you just say there was a virtual mountain of data that should be analyzed to make an intelligent trade decision? Yes that is true, which is where you need to seriously consider moving into the 21st century and making use of the electronic and technology tools available to you that will do all those hours of analysis for you, and just present you with a bottom line recommendation, which is backed up by research.

If you are serious about your forex trading and want to use it seriously as a source of very respectable income as opposed to a part time hobby, your best bet is to get some forex analysis software for your computer. The hours of tedious data analysis can be accomplished in a matter of seconds, and then you can generate your own forex signal, which you can then keep to yourself, as well as keeping the much larger profits for yourself.

The serious forex traders do this and it is highly recommended for anyone who wants to make a serious income with the foreign exchange currencies market. Make a commitment to yourself that you will become a student of your passion and start earning the kind of income you have been looking for. Start slowly but your speed will be greatly increased by understanding the recommendations provided by your forex auto pilot system.

For more insights and additional information about how to create your own Forex Signal as well as finding out about some incredible software that can put your forex trading on auto-pilot, please visit our web site at http://www.forexcurrencysystems.com

Nokia is a well known company in the field of mobile manufacturing. This Finland based mobile maker has produced many innovative phones including some of the best sellers in the industry. The N series phones produced by Nokia have been appreciated by the common mobile users as well as experts. The technology used to produce these handsets is impeccable. In fact, the continuous R&D done by Nokia over the years has produced fruitful results now.

Nokia N96 and Nokia N96i are the two handsets which have been recently produced. Looking at the features of these two stunning phones, the talk of Nokia N96 vs. Nokia N96i is on the cards. It is being said that the N96i is the upgraded version of the N96, but N96i is having some of the unique features that attract the mobile lovers.

Nokia N96 is the latest hi-tech member of N series phones. This beautiful phone represents a lucrative structure with a dimension of 103x55x18 mm. It weighs only 125 grams which makes it one of the lightest phones in the same category of mobile devices. This handset is a great source of entertainment. One can view high resolution photos on 3.2 inches screen of this device. The colour display shows 16 million colours which give more choices to the users.

On the other hand, Nokia N96i is the latest buzz in the industry with its striking features and functions. It has a double slide design and a rotating classic screen. Its 3 inches LCD screen is capable of showing more than 16 million colours. The N96i is relatively lighter than the N96 phone. It weighs just 110 grams despite having a metallic body. This mobile device comes in some of the attractive colours and designs. The silver colour handsets are getting more demand in comparison to any other camera phone.

Nokia N96 boasts of a 7.1 mega pixel camera with Carl Zeiss optical lens. The N96 gives the opportunity to watch news, sports and live TV. A powerful music player, FM Radio and Internet Radio give an ultimate musical experience. Another interesting feature of this phone is the maps section. Now, searching and finding local places and other important information has become easy with this handset and Nokia N82 also.

The Nokia N96 vs. Nokia N96i tussle becomes more interesting when the entertainment features are compared. The N96i is equipped with just 5.5 mega pixel camera which is relatively less powerful than its predecessor. The music player supports all the major file formats like MP3, MP4 and WMV. Stereo double speakers provided with this phone produce a thrilling sound quality. A stereo headset has also been given with the handset for those who travel frequently.

When the matter of web connectivity comes, Nokia N96 does not disappoint the users. Bluetooth, USB 2.0 and WLAN helps to provide fast internet connectivity. The data transmission speed is 3.5G which helps users to send or receive music, files and other data. It has a huge memory space of 10 GB that gives the capacity to store a large number of songs and movies. Similarly, Nokia N96i is equipped with Bluetooth and USB port which gives really fast web connection. The phone has 10 GB inbuilt memory space and 256 MB micro SD card for expanding the memory.

Overall, Nokia has produced two masterpieces in the form of these two phones. Mobile lovers and experts are comparing the features of both the handsets. It leads to the rivalry of Nokia N96 vs. Nokia N96i. One can find some or the other unique features in either of the devices. However, it totally depends on the users which model they want to avail. Both of the handsets are capable to delight the customers with their performances.

additnow.co.uk introducing latest nokia n series handsets Nokia N96 and Nokia N96i and Nokia N82 in UK market.

It takes a lot of money to get a business up and running, and there are a lot of things that you can do to get the money that you need to start up your own business. Now, there are a few things that you need to know. First of all, business startup grants that the government offers are great This is a great way to get all the money you need to start your business. On the other hand, these kinds of grants are not easy to get. A lot of people feel you are better off getting loans and things that you have to pay back.

The only other question you may have about business startup grants is why they are so hard to get. That is because the government usually only gives federal grants to businesses that are going to be for a specific targeted group of people. Not only that, but a lot of times these grants are only given to people with specific requirements. Of course, if you are a nonprofit organization, you stand a good chance of getting grants as well. To fully understand grants, however, you have to understand the different kind of grants that you can get. Right now, we are going to talk about a few different ones.

First of all, there are the direct grants. This is given out like a cash award. Most of the time, there are certain activities that have to be done with this kind of grant money. Things like training, export development, or even a capital investment project are very popular. The only bad thing about the direct grant is that you are usually required to put up about 50% of all start up costs, meaning that you have to have some money to get started with this kind of grant. Other than that, these are great business startup grants.

A repayable grant is a great way to go as well. This is like a grant that has a safety net. Under this kind of grant, you are given a set amount of money to start a project with. Then as your revenue come in, you use a set amount of that to pay back the grant in full. The good news for the business owner is that if the business fails, then the grant is written off. This means that you no longer have to worry about paying it back. As you can guess, this is very good for you and bad for the government. That is why there are less of these given out than most grants.

If you still think that you are going to have problems paying off a repayable grant, then you may want to go with a soft loan. Despite the name, this is still a grant. However, the conditions on how you pay back the money are a lot more generous than the other kinds of loans, hence the name, soft loan. This is good for businesses that could have a hard time getting started.

As you can see, there are a lot of different grants out there, and this is just the tip of the iceberg. If you are looking to start up a business, a grant is the way to go. Just remember that they are not as easy to get as loans are.

Kelly Hunter owns and operates http://www.business-startup-grants.com and writes about Business Startup Grants

One of the most important yet grueling tasks which every business faces is preparing financial statements. With all the profits which came in, an increasing demand is sure to follow as well as increasing need to update current operations to fit into the growing demands. This is the primary reason why people often tax certified, licensed professionals when it comes to attending to financial planning. Among the most important part of such department are the bookkeeping services. This helps maintain the department well within the overall budget and helps note down discrepancies should they arise at any given time.

However, businesses need to be very strict in finding the right people to handle bookkeeping services. This particular task is crucial because it will handle all bank reconciliations, invoices, recording of expenditures, and payroll drafting. The bookkeeping services will become the financial bible of the company as it operates for another quarter or even on an annual basis. More than just finding the person who can do the job, the most important thing to keep in mind is to get the qualified person or people to handle the job.

When evaluating people for bookkeeping services, the first thing businesses should consider is the educational background and the training experience of these people. Educational background is necessary so that one can assess if the person is schooled with the basics as it pertains to accounting and bookkeeping. On the other hand, training is equally if not more important because this pertains to the actual work experience of the bookkeeping candidate. This would help gauge the actual expertise of the person in terms of doing the job itself.

Apart from hiring candidates, taxes firms catering to bookkeeping services is also an option. This can help cut down on the overall effort and expenses since the firm already has their own group of experts in the said field. tax mistakes is only needed to be done is to pay the firm per work output. But in choosing a bookkeeping firm, businesses should care to look at the firm’s portfolio to see how long it has rendered its services already and among which companies. Bookkeeping firms would usually provide potential clients with such portfolios and references to help them become convinced to avail the firm’s bookkeeping services.

Apart from expertise, it would also be wise to consider the actual personality of those who will render the bookkeeping services. After all, they would not just be there doing the job but they will also be doing constant coordination with various employees of the business. It is important that these people are flexible enough to face up to different employee personalities and clashes will not have to be evaded once they start working. Good bookkeepers are those who also have a knack for customer service because they can be expected to hold their ground despite stress and pressure. Moreover, these people will also be able to attend to the business’ clients should they have any concerns when it comes to various financial transactions which will be done.

Accurate Bookkeeping Services improves the ability of a firm to focus on business growth while simultaneously curtailing risks and costs. There are many firms offering outsourced bookkeeping services that work for small and medium businesses worldwide.

Being not only an admirer of gold but also a gold investor, acquaintances often ask me for me advice. They often tell themselves “I want to invest in gold and silver” but have fear because they don’t know much about gold as an investment. It’s wise to be cautious, and to carefully research the pros and cons of buying gold before rushing out to find some gold coins to invest in. So why buy gold?

First of all, if we look at gold prices history, we can clearly see that gold acts as a wealth preserver. Gold is money. Paper money used to be simply a representation of an amount of gold stored somewhere on your behalf, but in this day and age paper money (or fiat currency) functions separately from gold and it is susceptible to inflation and currency devaluation. Especially if you live here in the United States, the government is constantly spending money it doesn’t have, and the banks are lending out money they don’t have, devaluating our currency so that our buying power is steadily eroding. If you buy gold, however, you will maintain your buying power longterm because gold’s value doesn’t deflate. It’s price fluctuates with supply and demand, but it’s core value remains constant.

Official gold prices tend to increase along with high inflation, and when the stock market drops. They also tend to increase in times of great instability such as wars, when hyper-inflation is a threat. (This is true of commodities in general, but precious metals can obviously hold their value better than a bundle of wheat or a cow that might up and die on you.)

Precious metals are real assets, unlike stocks and bonds, and they react differently to changing economic conditions. Commodities prices tend to increase with inflation. Stocks and bonds on the other hand, tend to perform better when the rate of inflation is stable or slowing. Since 1990, commodity prices have been negatively correlated with the S&P 500. Since commodities are not positively correlated with stocks and bonds, they diversify your portfolio and help reduce risk and increase returns over time.

Precious metals and other commodities are not only a hedge against inflation, but also a hedge against destabilizing events or catastrophes. Commodity prices rise during times of crisis such as wars and stock market crashes. After the Iraqi invasion of Kuwait, stocks dropped while commodities performed well. And during the stock market crash of 1987, stocks dropped by 30% while commodities held steady. There are people out there who horde gold as a way to preserve wealth in some coming cataclysmic event. I would never want to invest in only gold, but these people are right that in the event of catastrophe commodities like gold will be far more useful than stocks or cash (which will likely become unbelievably devalued if there’s a catastrophe of huge proportions). That’s not to say that precious metals are free of volatility. They are equally or slightly more volatile than the stock market, but they rarely drop at the same time as the stock market. In these volatile times with stocks continuing to drop or stagnate, gold is an essential investment. And longterm, with all the government stupidity promoting the devaluation of the dollar, gold will continue to function as a wealth-preserver for the wise.

And despite gold prices skyrocketing, if we adjust for inflation, the prices now are still nowhere near as high as during their peak in 1980. There’s still a lot of room for the price to climb higher. Don`t miss out on this great opportunity.

Paul Jorgensen gained financial independence after years of uncertainty by taking control of his finances and learning to invest strategically

For more tips visit http://the-gold-market.blogspot.com

With oil prices seemingly reaching new highs daily, a lot of Forex market participants have been trying to use this fact as a proxy for currency trading. General consensus is that some national currencies are correlated, to some degree, to major commodities and can be taken advantage of. Most experts, however, have never been able to agree on which currency would be the best crude play. Until now.

Number of oil rich countries are small states located around the Persian Gulf. Outside of crude production, their economies are not large, in line with small populations. This countries formed a Gulf Cooperation Council, both economic and, to a lesser degree, military organization. Saudi Arabia is the largest member state, with Kuwait, Qatar, Bahrain, United Arab Emirates and Oman making the list. Yemen is a pending member.

Since oil is priced in US dollars, respective currencies of the member states have been pegged to dollar. Over last few years this arrangement created certain problems for the Council states: very high crude prices and weak dollar caused huge inflation pressures. In spite of that, central banks had to lower rates in line with FED, due to dollar pegs, furthering inflationary threats. For example, Qatar’s inflation exceeded 13% in 2007. Not a welcome development.

After years of discussions and planning, central banks of Gulf Cooperation Council,
have approved a draft of a charter for a central monetary authority. This agreement moved the group closer toward a goal of establishing a single currency for the member states. The launch of the new currency is set for 2010, but most experts expect it to be delayed. In project of this complexity and scope working out all the issues almost always takes longer than expected. We all remember Euro.

For example, Kuwait severed its dollar link last year and started tracking its dinar against a basket of currencies to help ease inflation that was driven in part by higher import costs – a decision that could be a major obstacle to reaching the 2010 target date for monetary union. Kuwait has not disclosed composition of the currency basket used for the new peg. Every member would also have to cap inflation within certain range, before the the union can proceed.

Despite set backs like this, at a recent meeting in Qatar, central bank governors reaffirmed the aim of monetary union in 2010 as Gulf states sought to avert additional unilateral decisions on currency policy that could jeopardize the project. Gulf Cooperation Council countries would “push ahead with the implementation of single currency on time”, stated one official.

Once the new currency is introduced, it would likely become available for trading very quickly. Most brokers would like to capitalize on the initial interest as soon as possible. Cost of trading would be another story, however, with rich spread and some illiquid time periods throughout the trading day. Nonetheless, it is certain there are scores of traders eagerly awaiting this yet unnamed currency.

Gulf Cooperation Council members believe that new monetary union will help curb inflation. Among many other stated benefits are increased economic cooperation in the region, easy in money and goods flow. Single currency should also place Persian Gulf States in better position in increasingly border less world economy. And perhaps help them to prepare them for the next big step – life after oil.

Mike P. Kulej is a Chief Forex Strategist for Spectrum Forex LLC. He specializes in mechanical trading systems as explained on http://www.spectrumforex.com Spectrum Forex LLC offers numerous services to individual traders. With questions and comments e-mail him at kulej@spectrumforex.com