Monthly Archives: July 2008

How to Effectively Interview Au Pair Applicants

Because an au pair lives with their host family for a year and are a great distance from home, the interview process is vital. During the interviews, the host family needs to evaluate each candidate to find a suitable au pair that matches their particular needs and beliefs. Try some of these tips to learn how to find important information needed for each applicant in order to make the selection easier.

Choose The Right Questions:

Standard questions to ask an au pair include details about their employment background and personal interests. However, questions pertaining directly to your family needs also need to be included in the interview in order to provide you with the most useful information to help you choose between candidates. Since these questions vary from family to family, you will need to discover what these questions are.

Decide which morals, values, and rules your family is not willing to compromise on and make a list of questions. The various topics covered in this list should include things such as methods of discipline, the play needed for your children as well as an acceptable level of organization and cleanliness.

Include The Applicant:

When searching for a suitable au pair, be sure to listen to what the applicant is saying and what they think about each topic discussed during the interview. If they disagree with your thought or opinion, they may very well have an excellent reason for why they feel the way they do. Questioning their standpoint can also give you excellent insight into the maturity level and thought process of the person applying for the childcare position.

Find out what the applicant is looking to gain from their experience as an au pair. This will help you to decide whether your family can meet these expectations. Be sure to answer any questions that the applicant has as well.

Get Ready To Conduct The Interview:

Preparing to conduct the phone interview is perhaps the most important aspect of the entire process. Getting organized before the interview takes place will ensure that both you and the au pair can get the necessary information you are looking for. Who will ask the questions? In what order would you like to ask the questions? Many people start with what they consider non-negotiable first. This way, if they are dissatisfied, they can end the interview sooner to save time and avoid tense situations.

When you are preparing for the interview, create a quiet surrounding that is free from distractions. This will ensure that you can give full attention to the au pair so that you both get the most from the interview. How will you record the information you gain from the interview? It is a good idea to have a pad of paper and a pen during the interview so that you can make notes under each question. After the interviews are complete, you can refer back to this information to help you remember what the applicant said. This also comes in handy when comparing applicants.

Conducting an interview effectively will help both you and the au pair get the information needed to make a good decision. When both sides are aware of each other’s expectation and ideals, there are no nasty surprises when the au pair arrives. Most importantly, it allows both sides to become comfortable with each other before the adventure begins.

Author is a freelance copywriter. For more information on Au
Pair
services, please visit http://www.EurAuPair.com.

Tips And Advice For Choosing A Dating Service

Like almost everything else these days, love has gone digital. Instead of hitting the singles scene, now people looking for love turn to their computers and go shopping for a mate online the same way they show for their books and plane tickets.

Online dating can be a wonderful thing for a lot of people. It has the convenience of letting your check out potential suitors at a distance without having to get all dolled up and it lets you meet a much wider variety of people than you ever could by simply going out.

You also get the benefit of chatting with people in a non-threatening environment as in, not face-to-face so you break the ice and get to know each other with a little more ease.

Of course, with all of the benefits of online dating, and the ever-increasing popularity of looking for love online, the number of Internet dating websites and services has literally exploded.

There are way more dating website out there than you could ever find time to browse, so you need to prioritize your online dating to up the chances of you getting to people you want to meet as quickly and painlessly as possible. How do you narrow down all of your options to find the perfect dating site for you? These tips should help you.

First of all, ask yourself whom you want to date. If you have a set of criteria, chances are there is at least one website that caters to your deal breaker set of partner must haves. For instance, if you are looking to date someone with money, you can try sites that cater to matching millionaires with the, ahem, ladies who love them.

If you can’t walk past a soldier without getting weak in the knees, try dating sites that cater to military people. Whether you want to meet an older man, a younger woman, a truck driver, a gamer, a musician, or you name it, there is more than likely a website out there just waiting to match people with your interests to the people who meet them.

Getting too narrow in your search can work against you, however. Sure, you might have your heart set on a millionaire milkman who is exactly 6 feet tall and eats meatloaf every Wednesday night, but you might be surprised what you can find if you branch out a little.

So, after you locate your special interest dating site, cast your net a bit wider. Check out some sites that don’t have any niche following and that just match people with people.

Ask around and see which sites other people have had success with. Dipping your toe in a nice set of five to ten proverbial pools is a good way to find the best dating service for you. This might sound like a lot of work, and it might sound expensive. Although not everyone has the patience for filling out profile after profile, expensive this process is not. You can join just about any dating site for free. You only start paying when you start contacting people.

It’s like shopping in this way. If you don’t see anything, you leave the store. If you like, you buy. Taking advantage of this risk free way to try out different sites is a great way to find the best one. Give a site a few weeks to come through with someone that catches your interest.

After that, cast the pole back out and try out some new sites. Your perfect matchmaker is out there somewhere. A little trial and error and you’ll find it in no time.

Sokot Publishing is the author of “Online Dating Pros and Cons” guiding people interested in finding love online, but not sure what is the best way to start.
If you’d like to find out how to create your perfect online dating profile, click here and receive your free report!

The Age Thing On Your Online Dating Profile

Meeting people online opened a whole new world and level of dating. For many people it is easier to find a partner through an online dating service for several reasons.

These reasons include matching due to similar hobbies, likes, interests, age and even special requests. This kind of dating has also gotten very popular due to the fact that one does not have to completely exposed. You do not have to walk up to someone else to be able to meet someone.

Online dating means one can choose someone else due to many factors and then get a first contact started by writing a letter or e-mail.

Meeting someone special online also opened the possibility to display only parts or a few facts of oneself. You can offer certain information about yourself when you are ready.

Online dating profiles allow for any data to be used the way the user wants. One can tell that he is 30 even though he might have just passed the big 40. For many people the question pops up. Is it ok to change the age detail in an online profile to be able to attract a greater variety of partners?

First of all, this largely depends on what the user wants to do with the online relationship that will ultimately take place. If the relationship stays in the internet world and never comes into the real world, it is not one hundred percent important to state all the facts properly.

For some people, the online world is a second chance life. It is more like a fantasy world and they can be whomever they want to. But if the online dating services are used to get into a real world relationship and to find a partner for life or just for a certain amount of time, any facts in the profile should be true facts. Relationships cannot be built on lies. It is a big difference if one is only 29 or 49.

People of different ages have different interests, different friends and hobbies. Even if one looks very young, the difference in age will just be apparent at some point.

It might work for a first date or two, especially if one looks younger than one is, but if the relationship grows, so will the trust.

At some point it will happen that the partner finds out about the true age and then other questions will come up. If the age is not right, a partner might think about what else in the relationship is not true. What else might not have been told and what else is based on a lie?

Of course, it might be harder to find a greater variety of partners once certain stages in life have been passed. Even if more people bite on to a online dating profile because one falls into the age range, once a relationship has been established, it will be hard to keep the truth from coming out and then looking like a lie.

Additionally, most relationships are based on a similar age range and therefore changing the fact of age on an online dating profile might attract the wrong-aged crowd.
The online dating profile is generally used to find a partner, just as before the Internet age. The courtship and flirting stage was used to find a partner.

For many people walking up to someone else is very hard for many different reasons, such as shyness and wrong self-image. The Internet portal can be a great choice to find a partner, but it is still a door into a relationship and therefore should be treated with respect and truthfulness.

Sokot Publishing is the author of “Online Dating Pros and Cons” guiding people interested in finding love online, but not sure what is the best way to start.
If you’d like to find out how to create your perfect online dating profile, click here and receive your free report!

Fat Free Products Can Make You Fat

If you trying to lose weight beware of certain “fat-free” or “low-fat” products. Even though they are low in fat it doesn’t necessarily mean that they are low in calories. And, if they contain flour, they can cause you to gain weight.

White flour comes from grain which has been stripped of all its natural fiber and ingredients; it has little nutritional value and will cause you to gain weight.

Here’s some really good news. If you do nothing more than stop eating all products made with flour you will lose weight.

White flour is a bad carbohydrate.

Now, here’s why. White processed flour is similar to white sugar. It comes from grain which has been chemically treated during the growing process, stripped of all its natural fiber and nutrients, and chemically bleached to make it a pretty white. Not to mention pretty unhealthy.

It’s a food that the body does not know how to digest. It has little nutritional value, spikes your insulin and can cause constipation. Yet the American Dietetic Association recommends we eat 8-11 servings of them in our daily diets. And that’s not good advice.

The public has been programmed to believe that white flour products are healthy and should be part of your daily diet.

This is because they are low in fat, cholesterol and calories. People eat things like white bread, cereals, pasta, bagels, crackers and pretzels and believe they are eating healthy because some these foods are labeled “low-fat” or “fat-free”.

But what food manufacturers have failed to mention in their clever advertising is that these products have zero nutritional value and can lead to poor health. And most of them are chock full of bad carbohydrate calories which turn into fat.

This may surprise you; wheat bread is not any healthier for you than white bread.

They both have a high glycemic index rating of around 100 which is unhealthy. Even though wheat bread has been minimally processed and contains more fiber it is still full of the wrong carbohydrates that will turn to fat and cause you to gain weight.

If you are trying to lose weight stay away from whole wheat bread, whole grain bread, whole wheat pasta, whole wheat pancake mix, shredded wheat, wheat crackers, raisin bran, and the thousands of other wheat-containing products that promise health.

As many as 75 percent of overweight and obese people in the U.S. may be addicted – through poor eating habits – to either bad carbohydrates or the protein called gluten, which is a problematic protein present found in all wheat, whole wheat, wheat bran, rye, and barley products. Soy flour and corn bran do not contain gluten.

Stick to healthy foods if you want to lose weight

Stay away from flour products if you want to lose weight. Learn to substitute other healthy foods for flour products and you will see faster results for your weight loss program.

You may have difficulty eliminating all flour products from your diet overnight. If this is the case then start by staying away from snack foods made with flour.

Satisfy your cravings for unhealthy snacks and get your daily fiber by eating good and healthy carbohydrates like fruits and vegetables.

Eliminating flour products from your diet is one the quickest ways to lose weight. However, it’s not easy to stop eating breads and snack foods. You can start by substituting other healthier snacks and be on your way to losing excess weight and improving your overall health.

Do you want to discover the simple secrets for fast weight loss?

Download this: FREE Simple Secrets to Quick Weight Loss

Robert Bauer is a nutrition and weight loss expert who teaches people how to lose weight.

Go From Obese To Lean With The Right Combination

This is not a joke, a piece of equipment, nor a magic diet… the powerful combination that is spoken of is simply diet and weight training.

I hope that didn’t let your build up down. Weight training with proper diet is a powerful combination that not only melts the fat from your body, but increases your fat burning muscle. This combination is much greater than just weight training alone or dieting alone.

The first mistake that beginners make is run, run, and then run some more. Running will initially cause you to lose some fat, but after a short period of time the fat will actually begin to accumulate. Without consistent improvement on this running your metabolism will actually slow down.

The second mistake that beginners make on this journey is ignoring the hard work that is reworking your diet. The hardest part of going from obese to lean is taking your now diet and cutting out the crap.

In a study that took 40 obese women and put them through three different methods of weight loss… the same methods mentioned above…

- Only weight lifting
- Only diet
- Weight lifting and diet

So changing the diet is one of the hardest things to do; however, the women that changed just their diet…

- Lost 4.47 kg of weight – That seems pretty good
- Lost 3.56 kg of fat – That seems pretty good too
- Lost .91 kg of lean mass – Lean mass is muscle and that is real bad

Obviously changing just the diet has some desirable affects such as losing weight and fat, but losing muscle is not good. Less muscle will decrease your metabolism… and that can increase the speed at which fat accumulates.

The women who only took up weight training…

- Gained .45 kg of weight – Not so desirable
- Lost .62 kg of fat – Very desirable
- Gained 1.07 kg of lean mass – Very desirable

Weight training alone, in the short term, does not have the best affect you might want. This is to be expected and it also depends on the type of weight training. The good thing about the weight training is it increases you metabolism… that eats fat!

Those women that performed the combination of both diet and weight training accomplished…

- Lost 3.89 kg of weight – Very desirable
- Lost 4.32 kg of fat – Very desirable
- Gained .43 kg of lean mass – Very desirable

Now that is what I am talking about! Together the change in diet and weight training accomplished all of the desirable affects that any person obese or not would want. So now you know that to accomplish the fat and weight loss you desire you must change your diet and add weight training.

Dan Boyle is a National Academy of Sports Medicine certified personal trainer. He has been surrounded by health his whole life. His Mom was a dietitian and he has been weight training for over 7 years. To learn more about fighting obesity and getting ripped, visit http://www.fitness-analyzer.com

Secret To Affordable, Effective Web Site Design

In today’s computer and information technology trend, website design services that are affordable or cost effective are very important to every business. Developing and updating web site for your business takes an integral part for your business progress. However, Internet website design has to be created that is cost effective as possible and thus, finding an affordable website design that does not compromise the quality is a great advantage.

If you are just managing a business which belongs to small-scale ( one specific example are those home-based), it is an advantage for your niche business to develop its website on your own– of course with some knowledge– because hiring an Internet website designer can be impractical for the reason that you may allocate too much money more than the profit that your business can generate. Website that is developed personally could just be a basic design; but it is a good opportunity to make your website make its place in the internet and this is important step to gain exposure and eventually make customers for your business.

You may avail for specialized training and it is essential for you to be able to create your own website that is needed for your business. You can take few classes in web site designing if you desire or you may consider adult education training that offers affordable website design training in your community. Or, as an alternative, you can purchase a reading materials for you to learn important strategies needed for design. Else, you can have software tutorial to make a web site designing study. Remember that it is of great importance for you to gain knowledge about this matter before you go to designing because the more knowledgeable you are, the more you can create a web site design that is unique, powerful and therefore the greater chance for higher exposure.

Various website design companies offer inexpensive/ cost effective design packages for individuals of small-scale businesses. However, this may not contain features, specifications that customized ones ( personally made) have.

There are also other alternatives in obtaining a more customized and unique website and that is by hiring a freelance website designer; they still offer excellent and professional service like web site design companies do but at a lower cost. They give affordable web site design services that you need. In addition to that, they can also offer a more personalized design package and maintenance.

It is not really that difficult to acquire an affordable website design if you know some essential techniques to have this done. Above are just few from lots of affordable website design alternatives.

For more information, visit http://www.nichemarketingminisites.com/

Tenant in Common Properties: Several Co-Owners with Different Shares in the Ownership

The simplest answer when it concerns learning more about what are tenant in common properties is that it is a form of co-ownership of property in which two or even more people can have part interest in an investment property. However, it is not necessary that property shares must be equally divided between the co-owners and ownership can even be inherited. Still, if you are a co-owner, you are entitled to receive a deed of your own at closing as well as receive a percentage (undivided) in the property as a whole.

Not More Than Thirty-Five Co-Owners

Another important aspect that needs to be considered when learning about what are tenant in common properties is that there cannot be more than thirty-five co-owners and so, it is advisable to know everything that there is to know about what are tenant in common properties since it does give you a better chance of owning a property that otherwise would have been beyond your means, and even better, you can put in just as much money as you can reasonably afford to become a co-owner in the property.

You may also need to learn more about what are tenant in common properties because the fact of the matter is that these properties need not only be residential, but they can also be institutional and which as a result invite minimum investment. Thus, having realized what are tenant in common properties, you will soon realize that there are some very attractive deals that you can buy into.

The best answer to what are tenant in common properties lies in understanding that because there are numerous high grade properties that become affordable only if you choose tenancy in common as the means of ownership, you stand a better chance of owning a property even if it is only a small share of the entire property. In fact, you will also learn more about what are tenant in common properties if you delve deep into the many different types of properties that only become affordable to you through tenancy in common and which would otherwise be beyond your purchasing power if you were to go it alone.

Furthermore, another aspect worth considering with regard to what are tenant in common properties is that these properties can help you earn a decent income and there is also a lot of growth potential involved because such properties will usually attract the better heeled tenants. In addition, you will also find out through further research on what are tenant in common properties that this form of ownership of property opens up the possibility to own several properties including community properties. And, there is another important aspect in learning about what are tenant in common properties and that is that you won’t have to face any headaches with regard to managing the property on your own because there are many owners who can deal with different aspects of the property.

Kathryn R. Landry is a business writer for TIC Advisors, Inc . A company that can give you the most complete information on a 1031 exchange or TIC property ownership.

Tenant in Common Properties: Several Co-Owners with Different Shares in the Ownership

The simplest answer when it concerns learning more about what are tenant in common properties is that it is a form of co-ownership of property in which two or even more people can have part interest in an investment property. However, it is not necessary that property shares must be equally divided between the co-owners and ownership can even be inherited. Still, if you are a co-owner, you are entitled to receive a deed of your own at closing as well as receive a percentage (undivided) in the property as a whole.

Not More Than Thirty-Five Co-Owners

Another important aspect that needs to be considered when learning about what are tenant in common properties is that there cannot be more than thirty-five co-owners and so, it is advisable to know everything that there is to know about what are tenant in common properties since it does give you a better chance of owning a property that otherwise would have been beyond your means, and even better, you can put in just as much money as you can reasonably afford to become a co-owner in the property.

You may also need to learn more about what are tenant in common properties because the fact of the matter is that these properties need not only be residential, but they can also be institutional and which as a result invite minimum investment. Thus, having realized what are tenant in common properties, you will soon realize that there are some very attractive deals that you can buy into.

The best answer to what are tenant in common properties lies in understanding that because there are numerous high grade properties that become affordable only if you choose tenancy in common as the means of ownership, you stand a better chance of owning a property even if it is only a small share of the entire property. In fact, you will also learn more about what are tenant in common properties if you delve deep into the many different types of properties that only become affordable to you through tenancy in common and which would otherwise be beyond your purchasing power if you were to go it alone.

Furthermore, another aspect worth considering with regard to what are tenant in common properties is that these properties can help you earn a decent income and there is also a lot of growth potential involved because such properties will usually attract the better heeled tenants. In addition, you will also find out through further research on what are tenant in common properties that this form of ownership of property opens up the possibility to own several properties including community properties. And, there is another important aspect in learning about what are tenant in common properties and that is that you won’t have to face any headaches with regard to managing the property on your own because there are many owners who can deal with different aspects of the property.

Kathryn R. Landry is a business writer for TIC Advisors, Inc . A company that can give you the most complete information on a 1031 exchange or TIC property ownership.

How To Save Money And Beat The Credit Crunch

After so many years of uncontrollable economic boom, the UK is set to face a recession as inflation hits an eleven year high. So, with businesses and families facing economic decline, what can we do to reduce the damage caused by the dreaded recession? With so many people wasting money, electricity and fuel every day – there is a long list for those who wish to save money and beat the credit crunch.

There are so many ways to save pennies and pounds that can really make a difference to your bank account. If you are reaching into your pocket and only feeling your leg, then read on and you can have a fatter wallet before you know it.

Saving energy is simple and effective so start now and fight climate change while saving yourself a heap of cash. From as little a change as buying energy-saving light bulbs to renewing your household appliances, saving energy can also save you hundreds of pounds every year.

When choosing the company that supplies your energy, visit price comparison sites and ensure you get the best deal. Every company will offer various benefits so do your research and get the price for you. This applies to all of your household bills, where bills fluctuate regularly as companies often chop and change rates and charges.

British Prime Minister Gordon Brown recently announced that every household in the UK is wasting food every year equivalent to around four hundred pounds. With this in mind, it is essential that during the recession every effort is made to reduce shopping bills and also minimise waste.

To avoid overspending at the supermarket, make a shopping list of what you need to buy and stick to it. Don’t be tempted by the amazing offers as they are generally things that you don’t need or even want. Buy what you will eat, opting for smaller packets at a smaller price. Although the cost per weight will be a little higher, the average British family will so often throw the excess away anyway.

As with the comparison websites, shopping doesn’t have to be all under one roof. There are so many food retailers out there, take advantage and find the best prices and products to suit your family’s needs. Don’t avoid your local butcher’s, greengrocer’s and baker’s – they are sometimes cheaper than the big supermarkets and can offer just as good quality.

One of the most unnecessary expenses that people will be guilty of is expensive shop-bought sandwiches. To buy a sandwich from work can cost around three pounds so prepare in advance and buy some bread and the fillings of your choice for a much smaller price. You get to choose what you have and it can save you hundreds of pounds each year.

When investing money, the bank will advise you of the best account to optimise the interest you receive – so why do we leave our wages to sit in a low-yield current account. Visit your bank and speak to a banking advisor, they will be able to assess the best way for you to move money about earning you cash that wouldn’t have existed beforehand.

As with your shopping list, planning your bills and outgoing can make the most of your finances. Paying bills by direct debits will ensure that bills are paid on time and on a set date each month. This allows you to plan spending ahead and organisation of your incomings and outgoings will stand you in good stead to avoid falling behing with payments and enable you to utilise the funds that you have available.

Whatever money is available to you – spend, save and use it wisely as the economy slows down. As money becomes tighter, learn to make the most of what you have and when the recession is over and inflation rates drop, you will find that you have so much more money than you ever realised. And then the spending can really begin as you forget all the tricks that got you there in the first place.

Patrick is an expert Research and Travel consultant. His current interest is in Heathrow hotels, Luton Airport Hotels and Heathrow Terminal 5 Parking.

Smart Green Grid Software Meets the Not-So-Smart Modern Electric Grid

The green movement is creating new marketplace opportunities as a result of developing new green technology. One technology is smart grid software. Businesses, traditional and emerging, will soon be affected by how this technology will be deployed and adopted as they move into some version of peak load or variable pricing.

The modern electric grid is hardly modern; it has barely changed in seventy-five years. Most electric grid systems today consist of transmission and distribution networks that connect power plants to end users. These systems rely on centralized power generation and feature bottlenecks and choke points where damage to the infrastructure can disrupt service to thousands of customers if not more. Todays electric grids are poorly equipped to handle the demands of the post-modern economy, which due to the ever increasing use of digital devices requires higher load demands and uninterruptible power.

Part of the problem is information–information in current power systems flows only one way, from consumers to the power utilities. The utilities know what the power loads are and where they are, but they struggle to meet power spikes with marginal success. Consumers have no idea (besides learning about it on the nightly news report) what the load demands on the power grid are and thus are unable to make usage decisions based on that information.

The other part of the problem is logistical: Current power systems rely on centralized generating stations that send power over transmission networks to several distribution substations, which then send power over distribution networks to end users. To meet increased peak demand in local areas excess, generators must be kept on standby so they can be brought online as needed. Power, for the most part, cannot be routed from another area to help meet the demand. Since as much as 10% of total power capacity is needed as little as 1% of the time, this means that a large number of small local emergency generators are needed to meet rapidly changing demand (as larger generators take too long to startup).

Smart grid systems are an attempt to address the shortcomings of the current electric grid by changing the flow of information and logistics. The new grid systems use internet connections between power stations, power meters, and appliances ultimately drawing power to make the flow of information about the state of the grid a two-way process between utilities and consumers. This enables consumers to make better decisions about their power usage; which they can even do automatically via the smart power meters.

Smart grid systems change the logistical nature of the grid from the centralized transmission and distribution system to a decentralized network model where excess power can be transmitted from one area to another as needed. Even better is the ability to use energy storage devices in households (such as plug-in hybrids) and power generating devices such as residential solar panels to supply energy back to the grid during hours of peak demand.

The goal of the smart grid system is to increase the reliability and efficiency of the power transmission systems on two fronts: (1) It decentralizes power generation with households that are both clients and suppliers; (2) It improves power consumption. Consumers are now in the driver seat and are better able make more precise decisions about how they consume power.

Test programs of smart grids have been steadily increasing over the last few years. Enel S.p.A. of Italy built a smart grid serving 27 million Italians in 2005. Essentially Enel invented the concept by installing smart meters that enabled two-way communication between the utility and energy consumers. Austin Energy, a Texas power utility, has been working on a similar initiative to replace all its power meters with smart meters by December 2008.

The GridWise Olympic Peninsula project, a study conducted by the Pacific Northwest National Laboratory, equipped homeowners with digital thermostats and computer controllers on their water heaters and clothes dryers. Participant homeowners were then able to set performance preferences of these devices according to their own preferences. The average household in the study saved over 10% on its yearlong electricity usage. A subset of the program used price-sensitive settings with the price of electricity varying as a function of power load on the grid and the performance of the appliances being set to respond to the price of electricity–these customers saved even more.

For businesses looking to leverage future developments in smart grid technology, it would be worthwhile to review all the power uses in their companies. Gaining an understanding of what power usage can be time shifted as well as coming to an understanding of inventory opportunities to sell power back to the grid will help businesses position themselves to take advantage of green grid technology to lower costs and even gain new revenue streams.

Given that the growing energy crisis is having a dramatic effect on the global economy, there is an urgency to begin planning NOW to help protect your business from rising energy costs.

Bottom line? – Apply this information to improve your profitability, reengineer business models, and strengthen or gain competitive advantage in the marketplace. And apply the free Fiscal Test at http://fiscaldoctor.com/fiscaltest.html.

From Gary W Patterson, www.FiscalDoctor.com Copyright 2008