Podcasts about text decoration

Está no ar mais um Neo Player seu podcast quinzenal sobre videogames (que ultimamente só sai mensalmente), e nesse episodio Cisne_Negro tenta explicar suas piadas sem sentido (ou teriam algum sentido?), também vamos ouvir Fish tentando sobreviver em grupo. E ainda entramos em um bate papo sobre a historia do SEGA Master System, ou seria, TECTOY Master System?. Tudo isso e muito mais nesse novo episodio “Master System”, criticas positivas e negativas ou mesmo sugestões são sempre muito bem vindas e incentiva o projeto a se manter ativo. Participações: Cisne_Negro (YouTube) Dissection (YouTube) OldKof (YouTube) Fish (YouTube)   Email para contato: neoplayerpodcast@gmail.com Pagina do episodio: https://neoplayerpodcast.blogspot.com/2018/09/neo-player-058-master-system.html Facebook: https://www.facebook.com/NeoPlayerPodcast YouTube: https://www.youtube.com/c/NeoPlayerPodCast Google+ Comunidade: https://plus.google.com/u/0/communities/109003956624757650371 Twitter: https://twitter.com/_NeoPlayer_ Instagram: https://www.instagram.com/neoplayerpodcast/ Telegram: https://t.me/neoplayerpodcast

Social Media Podcast Episode 39: Was ist Content Marketing & wie setzt man es korrekt ein?Content Marketing - gewissermaßen der Jackpot beim Online-Marketing-Buzzword-Bingo. Jeder von uns glaubt zu wissen, was Content Marketing bedeutet.  Aber: Glauben, heißt nicht wissen, zumindest nicht, bis ihr euch dieses spannende Podcast Interview mit einer echten Content-Marketing-Koryphäe angehört habt. Kein geringerer als Klaus Eck höchstpersönlich erklärt uns, was Content Marketing eigentlich ist. Anhand von drei Szenarien zeigt er existenzielle Grundlagen auf und gibt direkt umsetzbare Tipps für die ersten Schritte in der hohen Kunst der gewinnbringenden Contententwicklung und -vermarktung. Was ist Content Marketing?Unter Content Marketing versteht man eine inhaltsorientierte Kommunikation mit dem Kunden. Diese kann natürlich nur dann funktionieren, wenn man sich der entscheidenen Inhalte bewusst ist, die es zu kommunizieren gilt. Kaum ein Kunde möchte sich online in endlosen Menüstrukturen verlieren, sondern sieht es vielmehr als positiven Effekt für seine Kaufentscheidung an, wenn ihm an entscheidenen Punkten der Customer Journey die zum jeweiligen Zeitpunkt relevanten Informationen präsentiert werden. Die Kunst des Content Marketings besteht somit darin, die entscheidenen Informationen zum richtigen Zeitpunkt über verschiedene mediale Kanäle zwanglos auszuspielen. Dies funktioniert zunächst über generische Szenarien oder gezieltes Storytelling, was den Rezipienten bei seiner Entscheidung sinnvoll unterstützen soll. Der häufigste Fehler, der im Rahmen des Content Marketings begangen wird, ist, zu werblich und erfolgsorientiert zu handeln. Somit ist insgesamt zu erkennen, dass Content Marketing eben nicht inhaltliches Marketing, sondern vielmehr inhaltliche Kommunikation bedeutet, die letztlich eine Kundenbindung hervorruft und das Interesse an einem Produkt zwanglos kontinuierlich verstärkt, bis eine freie Kaufentscheidung getroffen wird.   Szenario 1:  Content-Marketing durch PraktikantenDie Tätigkeitsbereiche im Content-Marketing sind vielfältig, denn Inhalte publiziert man online mit nahezu jeder vermarktungsorientierten Handlung, wie beispielsweise der Betreuung von Social Media Kanälen oder unternehmenseigenen Blogs. Viele Unternehmen neigen immer öfter dazu, die Betreuung dieser Kanäle Praktikanten oder jungen Auszubildenden zu überlassen, weil dieser Personenkreis die sich permanent dynamisch verändernden Gepflogenheiten der sozialen Medien am Besten einzuschätzen und zu nutzen vermag. Grundlegende Fragen bei dieser strategischen Herangehensweise sind jedoch: Kennt ein Praktikant im die Tiefen einer Unternehmensstrategie und kann diese Strategien darüber hinaus auch noch in die sozialen Medien adaptieren? Ist überhaupt ausreichend Budget vorhanden, um konstruktives und nachhaltiges Content Marketing betreiben zu können? Aber: Nicht alles hängt vom Budget und von einem hohen Maß an Professionalität ab, denn Content Marketing lebt vor allem von einem starken Fundament und einer wohlüberlegten Strategie. Um konkrete Ziele definieren zu können, reicht es oftmals bereits, mit gezielten Score Cards Kunden zu befragen und daraus resultierend den für sich richtigen Inhalt und Vermittlungsweg zu finden.   Szenario 2: Ein Unternehmen glaubt, bisher kein aktives Content-Marketing zu betreibenVielen Unternehmen fällt es schwer, den Begriff Content Marketing eindeutig zu definieren und zu verstehen, in welchen Augenblicken man eine inhaltliche Vermarktung bereits betreibt. In einem solchen Fall ist es zunächst einmal wichtig, das Grundverständnis für den Begriff des Content Marketings zu entwickeln und unternehmensinterne Abläufe zu koordinieren. Erst anschließend kann ein Unternehmen: soziale Medien wahrnehmen soziale Medien verstehen soziale Medien aktiv & zielgerichtet nutzen Ein inhaltsorientiertes Vermarktungskonzept, welches langfristig in eine Firma implementiert und dort fest verankert werden soll, ist für gewöhnlich enorm komplex. Das Unternehmen muss in erster Linie: konkrete Ziele definieren Zielgruppen analysieren & festlegen sinnvolle Kanäle für das Content Marketing finden Es gibt kein universelles Vermarktungskonzept, denn jede Unternehmensstruktur ist anders, was dazu führt, dass auch die entsprechenden Kanäle, über die Content Marketing betrieben werden sollte von Unternehmen zu Unternehmen abweichen. Ein Tourismusunternehmen positoniert sich beispielsweise online vollkommen anders, als ein Maschienenbauunternehmen.   Szenario 3: Online Marketing Vs. Geschäftsführer: Den Sinn & Zweck des Content Marketings erklärenHierachien und Fachkräfte sind ungemein wichtig für ein gut funktionierendes und florierendes Unternehmen, führen jedoch nicht selten zu Verständnis- und Kommunikationsproblemen. In solchen Fällen ist vor allem eine offene und geduldige Kommunikation wichtig, um Vorgesetzte an deren aktuellem Standpunkt abholen zu können. Anschließend kann man gemeinsam effizient an einer Content Marketing-Struktur arbeiten und diese im Miteinander umsetzen. Gutes Content Marketing kann nur dann funkionieren, wenn die Strategien konsequent und aus verschiednenen Perspektiven heraus gelebt werden, denn im Online-Marketing können Ideen zwar umgesetzt, aber selten ganzheitlich betrachtet werden. Zu bedenken ist, dass der Geschäftsführer nicht nur komplexe Fragen stellen, sondern vor allem auch äußerst spannende Antworten liefern kann, die man ohne sein aktives Zutun niemals erhalten hätte. Erst gemeinsam, im Miteinander kann ein Unternehmen langfristig im Content Marketing Erfolg haben, denn inhaltliches Marketing lebt von ständigen Neuerungen und permanentem Perspektivwechsel, sodass ein Kunde idealerweise einen spannenden Rundumblick erhält, den er sich insgeheim wünscht, bevor er sich für ein Produkt oder eine Dienstleistung entscheidet. Namenhaft: EckdatenDie Online-Erfahrungen des Klaus Eck haben unter anderem mit einer kunterbunten Blume namens ICQ begonnen. Diese Blume war so vitalisierend für ihn, dass der 2 Meter große Content Marketing- & studierte Kommunikationsspezialist mittlerweile ein breites Firmengeflecht um seine Grundidee herum aufgebaut hat, das Internet mit sinnvollem Inhalt zu füllen. Neben der Eck Consulting Group, mit der er das halbe World Wide Web in strategischer Hinsicht berät und bereichert, betreibt er mittlerweile die Spezialagentur D.Tales, die sich explizit auf Content Marketing spezialisiert hat. Außerdem hält Klaus Eck in regelmäßigen Abständen Vorträge vor großem Publikum und ist mittlerweile ein gefragter Fachbuchautor, unter anderem mit dem Buch "Die Content-Revolution im Unternehmen" Nicht nur offline kann man etwas von Klaus Eck lesen, denn auch online ist er unter anderem im Blog PR Blogger aktiv. Wer in die Tiefe gehen möchte, dem sei das Flipboard von Klaus Eck an's Herz gelegt. Unser knapp eineinhalb Stunden dauernde Podcast mit Klaus Eck ermöglicht Euch einen ersten Einblick in die weite Welt des Content Marketings. Wenn ihr mehr erfahren möchtet und im Großraum München lebt, habt ihr die Möglichkeit, an der Volkshochschule München spannende Kurse zu belegen, die von der Eck Consulting Group betreut werden. Weiterführende Links Porsche Newsroom Karrierebibel von Jochen Mei Periscope Profil von Jan Böhmermann The Brand Called You Buch "Der schwarze Schwan" Buch "Ground Swell" UNO Flüchtlingshilfe

This is crazy! Apes that walk around upright... Whats next? Are they gonna start talking?? Visit msnbc.com for breaking news, world news, and news about the economy _uacct = "UA-423864-4"; urchinTracker();

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Listen the Tyler Shea Band and their song entitled Now you're in love. This is the first featured artist on CrowRadio. Check more of their stuff on myspace.com/tylersheaband.Produced by: Bruno Perron & Mike McGuireFeatured Artist: The Tyler Shea BandMusic by: HermitWritten by: Bruno PerronVocals by: BeVP

Listen to the New Years and Mr. Mount Edition of CrowRadio. It includes a new segment of the funny rants of CampusCapers and a few words from BeVP and Mike the Pizza guy in DRAG!!! The Vinnie's DJs are also on CrowRadio 4 giving a shout out to the upcoming semester of fun times.Produced by: Bruno Perron & Mike McGuireSpecial Guests: Matt MacAulay, Morris MacLeod, Craig Walsh & Megan PowerMusic by: HermitWritten by: Bruno PerronVocals by: BeVP, Hermit & MC Silence

Bangalore queda en Humboldt 1416, casi en la esquina de Niceto Vega.Tel.: 4779-2621.Hagan click acá para escuchar a la dueña hablar de su bar y a nosotras dar nuestra opinión.Es chiquitito, chiquitito. Por esta escalera subís al piso de arriba, donde se puede comer:No se aceptan tarjetas de crédito ni de débito y tenés que acercarte a la barra para pedir tu trago. Le sacamos una foto a parte de la carta, para que vean el Gin & Tonic y la variedad de cervezas.Fuimos un sábado a la noche y a pesar de que en Buenos Aires parecía que todos los grupos eran de mujeres solas -como el nuestro-, en Bangalore vimos muchos grupos de hombres. Para tener en cuenta...Y acá, una foto del cartel que cuelga afuera del bar, con el mismo elefantito divino de la tarjeta.

Episode 38 is available for download.51:15 minutes 24.6MBIn this episode you'll hear:1)Answers to the Question of the Week: Who are some of your favorite musicians? What body adornment/art do you like? How did you get into bellydance? What type of reviews would you like to hear on Shimmy Cast?The next question: What is your favorite costume accessory?2)News - see forum board for links.3)You'll See It On You Tube: Tito and little Mimo drum soloBellydance Odyssey Raks at Luna Gitana4)Podcast-safe music: Ioda PromonetDownload "Naghmeh Bajekhaneh" (mp3)from "Sweet Nomad Girl: Folk Music From Afghanistan"by Abdul Wahab MadadiMetier World More On This Album5)Emails/Feedback6)Article: Interview with Zivah Serpentina 7)Podcast-safe music: Ioda PromonetDownload "Umer Mari" (mp3)from "Glimpse Of Kutchi Music"by Mustafa Ali Jat & Bheth ArtistsDe Kulture Music Buy at iTunes Music Store More On This Album

Live chat with Lori & "G-II"If the chat window does not open,hold down the control key thenclick the Chat Icon above.Ok... school is in... LOLThe first thing I want to say is that for some folks, using their VA benefits is a good thing and for some folks, using their VA benefits is not only NOT fiscally prudent; it could even be financially irresponsible. Over the past 15 months, Lori and I have closed well over 75 transactions of our own and mentored and have been involved in another 60 transactions with protégés. Of that number, perhaps as many as 2/5th were veterans, active duty or retired or simply discharged from their particular branch of service. Of that 2/5th, less than a dozen or so used their VA benefits. The cost of money today is so inexpensive that there is little reason and almost NO advantage to a vet to use his or her VA benefit. There are numerous optional loan platforms that emulate the benefits of a VA loan without causing the buyer to toss away thousands of dollars in a VA funding fee.Suffice for now to say that Lori & I have been in this industry nearly two decades. The VA loan platform is one that we are extremely proficient with and since I too am retired USAF, we tend to draw a huge number of vets to our web site who ultimately secure our services to procure their home, help with arranging home inspections, termite inspections and... oh yes... sorting out what type of loan makes the best sense for that particular eClient.So, Let's Chat...QUESTION: There are a million mortgage calculators online, and they all differ from one another. The simplest ones just ask for the amount of the loan, any down-payment, and number of years. However, there are some that have blanks that require specific information such as Tax Rate and Insurance. I have no idea what to plug in, for those items. Can you help me with this?Correct; there are literally millions of mortgage calculators on the internet today. Quite frankly, over the years, Lori & I have played with hundreds of them, searching for what we feel are some of the best and least confusing. We have found that nearly all of the mortgage calculators, found on lender sites, are very confusing. Some, quite honestly, are actually weighted so that eConsumers conclude that the Lender who provided a particular mortgage calculator, appears to offer the best mortgage deal on the Internet or even the planet. In our opinion, this is unfortunate and very confusing and can tend to be a bit misleading.As for how to divine what figures to use for Tax Rate and Insurance, let’s first discuss Tax Rate. Here’s a good rule of thumb we have arrived at after reading hundreds, perhaps thousands of Arizona Public Reports; if you use a figure of somewhere between $10.00 and $13.00 per $100 of property value (not purchase price), you will come really close to the actual tax rate. Property values, as we discuss in this article can be researched at http://www.maricopa.gov/Assessor/. Tax Rate calculations are extremely complex computations. If you would like to know more about how a municipality actually establishes the tax rate, call the county recorder in the county you wish to live and ask to speak to a clerk of the County Tax Assessor’s office. They are very happy to educate the consumers with the math… but… make sure that, if you have a full head of hair when you begin, you’re not going to be disappointed if some if it is missing after the tax rate calculation class concludes. Insurance is a bit trickier, only because there are several variables that play into the actual insurance rate a buyer will be charged. Two of the most important variables are derived from the C.L.U.E. (Comprehensive Loss Underwriters Exchange). C.L.U.E. is a database that all insurance companies use to assess the risk factor for insuring a particular piece of real or personal property based on both the real or personal property and the individual wishing to be insured. The first assessment is conducted around the real or personal property. The next assessment is conducted around the credit score of the individual and the individual’s history of filing insurance claims. The C.L.U.E. retains a five year history for the majority of all insured individuals and their widgets. Learn more about C.L.U.E. at http://www.choicetrust.com/. Many factors play a vital roll in providing the information insurance companies require to tender a firm-fixed quote for a homeowner's insurance policy. Even in the early quotes, the figures are truly speculative numbers and could vary a few hundred dollars up or down in the final analysis, and the final analysis can only be determined once you have settled on a particular home in a particular geographic area and on a particular price and on a particular amount to finance.Back to mortgage calculators; Lori & I actually favor mortgage calculators that have been put up on the web by college students. These are truly unbiased mortgage calculators that offer honest unbiased results. Some are very complex and some are very simple. In the following paragraphs we have provided links to three of our favorites, one of which we keep on our web site in a secure location, offered to eClients that have selected us as their Realtor Representatives. They were all developed by college students, one in Japan, the other in Pakistan.QUESTION: Some calculators have fields for loan components called “points”. What the heck are these things, and do I need to worry about them? POINTS – Perhaps lead the pack of some of the most confusing parts of the loan package. So what is this thing called “points”? Points are often confused with “origination fees”. The two serve completely different rolls in the loan process.An “origination fee” is an amount of money, charged by a mortgage company, to the buyer as part of the lender’s cost of doing business. However… what most consumers do not know is that the “origination fee” is a totally negotiable charge, assuming the buyer has relatively good credit. It has been our experience that buyers with FICO scores in the high 600s or higher can usually shop, with great success, for lenders who will charge minimal or NO origination fee in their loan process. Our suggestion would be to stand your ground. Assuming that all of the other terms of the proposed loan are acceptable, make it clear to the loan officer, that if he/she does not alter their costs of the “origination fee” you will simply take your business elsewhere. If you are currently searching for a couple of lenders, check out Coldwell Banker Mortgage, Rosemarie Cox (602) 565-6948 and/or Pacific Funding Group, Mark Schmidt (800) 245-6722.Points, often called Discount Points, are the amount of money a buyer will pay to control the interest rate on his mortgage. The “point” is calculated against the amount of money that will be financed, I.E. your mortgage amount. So, if you’re going to make a purchase of $350,000 with a 20% down payment, your mortgage amount will be $280,000. Therefore one point (1%) would be calculated to be $2,800. There are numerous formulas bandied about on the Internet about how these fees benefit or hinder a borrower’s loan. In short, if you spend one point of your loan amount, you can affect your interest rate by about 1/8th of a percent.This means, if the consumer is quoted an annual interest rate of say... 6.5% but wants to reduce that rate (I.E. buy it down) to 6.0% by paying money at the time of closing to do so, the consumer would have to part with about $11,000. For some buyers this is a good idea, particularly if they are going to stay in their home or not refinance the home for many years. But keep in mind too, that another barometer to making such a decision is how long it will take to recapture the $11,000. By reducing the annual interest rate by 1/2 a percent, the payment reduction on a $280,000 loan is about $90 per month. That means that it will take about 10.18 years to recapture the interest savings. Not a bad scenario, and often a $90 reduction in the monthly payment can mean adding a little more tile in the house, or the cost of some appliances or any number of additional accoutrements or creature features that the buyer may want to add to the loan.Here are a few thumbnail guidelines to help you decide if the return on this type of investment is warranted.It may not be wise to spend money on Discount Points if:you plan on selling your home in less than 3 to 4 yearsyou plan on refinancing your home in less than 5 yearsyou are applying for an ARM type mortgageyou are applying for an Interest Only loan productIt may be wise to spend money on Discount Points if:you do not plan on selling your home in the next 5 yearsyou do not plan on refinancing within the next 5 yearsyour purchase is for investment and/or rental purposesThese are suggestions and not items to be thought of as “Set in stone”, but they are a good sound foundation for developing your loan strategy.CLICK HERE for a very simple mortgage calculator, just plug in the numbers. Be sure to enter NO commas. The interest rate will accept a dot, for example 6.5 but do not include a % sign. This is by far one of the simplest mortgage calculators we have found and is GREAT for calculating VA loans because it does not automatically include MIP (Mortgage Insurance Premium). This calculator does not produce an amortization schedule but the next mortgage calculator does.CLICK HERE to use a more sophisticated mortgage calculator. Again, only use numbers and no commas and too, the interest rate can be calculated using a decimal point in the rate, but again... DO NOT use the % sign. This calculator can produce an amortization that can be produced in HTML or Plain Text. In the " Monthly Principal Prepayment Amount " window, DO NOT enter any values and the same is true for the " Annual Principal Prepayment Amount (Enter B here for Bi-weekly Loans) " and " One-Time Prepayment Amount, to be paid before payment (month #) ".CLICK HERE for an interesting mortgage calculator created by Hugh Chou. This is a mortgage calculator that compiles a maximum monthly payment that Hugh feels is appropriate for a home buyer. Keep in mind that Hugh built these calculators as a college project although now I believe he works in the financial industry.There are many factors to consider when searching for a home loan, not only the total monthly payment, but also total loan costs. You asked about "Points". As we mentioned, this can be a confusing term. Often consumers believe that there MUST be points associated with ALL loans. As we explained above, that could not be further from the truth.When considering a new construction home, remember, that in almost 100% of loans that are configured by a builder's lender, the builder's lender will add... at a minimum 1% to the loan cost (sometimes, incorrectly, referred to as a POINT). This fee is really an "Origination Fee". In our opinion, consumers with GREAT credit scores, also referred to as the "FICO" (Fair, Isaac and Company Inc) score, should not be subjected to these fees. Unfortunately, when builders offer incentive packages to the consumer, those incentive packages are tied directly to the requirement that the consumer utilize the builder's lender to secure financing for the purchase.It would be sensible to consider not using the Builder’s Lender if the total incentive package hovers around the $5,000 mark. Some of our clients have had a GREAT deal of success using non-builder lenders, wherein our clients have given up as much as $5,000 in incentives from the builder and... even after doing so, have secured a much more favorable loan program and sometimes even lower monthly payments, with similar or lower closing costs, than they would have if they had used the builder's lender.Another typical lender explanation for an Origination Point is: "An origination fee is the amount charged for services performed for handling the initial application and processing of the loan". Hog wash! While it is true that some loans should be burdened with such a fee, such as loans granted to buyers with less than perfect credit. The amount of effort and research that goes into locating an investor who is willing to purchase the loan from the lender can be intense. In our opinion, level of effort and perhaps even ‘arm twisting’ should be compensated. But if the consumer/borrower has a good to great FICO score, again in our opinion, there should be NO Origination Point... NONE... NADA... ZIP... ZILCH... got the picture? Why should a lender, granting a loan to a buyer with good to great credit, make profits on two transactions? The first transaction is between you and the lender. The next/second transaction for the lender is between the lender and his investor, the entity who will purchase the loan from the lender. Remember, if you keep your credit in good condition, you have a boat load of strength and negotiating power as you shop for your loan.Another item to pay attention to are the ever swampy quagmire of Lender Fees... Ok... I know... so what does that all mean... ?... LOL Ok... Lender's fees are fees that offset the cost of producing the loan. Different companies may refer to them by different names, such as, processing fees, broker fees, tax service fees or underwriting fees; or you may have heard these fees referred to as Junk Fees. Most lenders are very sensible and fair about these fees. Obviously all businesses are in business to make a profit. Lender Fees are one of the vehicles that generate profits for lenders. Years ago I wrote an article for an On-Line Real Estate Forum, about Predatory Lending. CLICK HERE if you would like to read that article, but keep in mind that the figures in the article are very outdated, however the nefarious activities I write about are, unfortunately, still very much a part of the lending arena. I think that article will explain what you do not want to see in your lender.I could write hours about the loan and lending process because the entire process is so interesting and is very involved. Here are a couple of more nuggets for you to ponder.QUESTION: Is there a difference between APR and Interest rate?You bet! The APR (Annual Percentage Rate) reflects the cost of your mortgage loan as a yearly rate. It also incorporates the cost to obtain the loan, such as discount fees and loan origination fee. The interest rate is the actual note rate.When you finally get to the closing table, you will be presented with a TIL (Truth In Lending) statement. You will undoubtedly ask: "Why is the Annual Percentage Rate (APR) on the Truth-in-Lending Disclosure higher than the rate shown on my mortgage note?" Here is a simple explanation:The rate reflected on the APR shows the cost of your mortgage loan as a yearly rate. This rate is generally higher than the rate stated on your mortgage note because, in addition to the interest rate, APR includes other costs such as origination fee, loan discount points, pre-paid interest, and mortgage insurance. The APR allows you to compare, in addition to the interest rate, the total cost of financing your loan, among various lenders.CLICK HERE for an example of several loan scenarios in a spread sheet provided by one of our most reliable lenders to one of our past eClients. As you can see, the buyer was purchasing a home for $189,000 (that’s not going to happen again any time soon! LOL) and was pondering a VA loan VS. a conventional loan. This purchase was for an "as yet to be built" new construction home. If the buyer chose to NOT use the builder's lender, he would have given up $4,500 in incentives from the builder. This particular buyer had his own closing cost money and was able to put up to 5% down on the principal. All scenarios in the spread sheet are fixed rate loans, there are no ARMs (Adjustable Rate Mortgages), although to opt in for an ARM provided an even lower monthly payment for our buyer. The loan identified at the far right as an 80/20 is called a HELOC. This particular type of loan has been most attractive to our vets because it can be nearly 100% tax deductible and... as you can see... this type of loan produces a very low PITI (Principal Interest Tax and Insurance) payment. And... as you can see, if our buyer’s target ceiling were a $1,500 PITI monthly payment, he could actually increase his purchase well above $200,000 while still keeping his monthly payment well under $1,500. There is one catch to being able to take advantage of a HELOC, the buyer must have GREAT credit... the good news is... YOU DO!Well... now that I have totally confused you...Bye for now... and we'll be in touch in a couple of weeks. Lori and I trust that you are enjoying your FREE subscription to your CLUB membership.