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    Important Factors to Consider in Competitive Analysis
    To complete a comprehensive competitive analysis, you must know the competitive landscape. You must know who your competitors are. Prepare an overview of your competitors, their strengths and weaknesses. Position each competitor’s product against your products. Understand the customer needs and preferences that are you competing to meet.When you consider your competitors, determine what are the similarities and differences between their products and yours. You must also consider how their prices compare to yours and how well they are doing. You must have a specific plan to compete. For example, you can offer better quality services, lower prices, more support, or easier access to services. You must address the following basic issues:• Define your target market.• Determine the size of the target market.• Drill down to your specific segment within the target market.• Define the size and the revenue opportunity that your segment represents.• Determine how fast the overall market and your specific segment are growing.• Learn what factors are most important to your customers such as price, technology, ease of use, or new uses.• You must know the most important characteristics in your industry. Is is driven by high or low volume? Is it capital or labor intensive? Is it seasonal?• Identify and profile your targeted customers by their consumer budgets and by how they make decisions to buy a product.• Identify your direct and indirect competitors and understand their impact on you.• Identify the features that differentiate your product from the competitors’.In order to address the basic issues, you must know where to find competitive and industry information. Information is available from the Federal Commerce Department online or in the library. You can review Edgar Online and busine
    The “Mini Ice Age”

    Using historical records, scientists can determine the variations in average temperature in central England for the past thousand years. Overall, the average temperature in England during this time period was ten degrees Celsius (fifty degrees Fahrenheit). There have been variations in average temperature of plus or minus one half degree Celsius around the ten degree average.

    This variation caused significant changes in climate, including vineyards in England, the colonization of Greenland during warm periods, and the formation of ice on the Thames River during the colder periods. Indeed, the 1600’s are described as a “mini ice age”.

    Using the Past to Look to the Future

    We now have a picture of temperature change since industrialization, and the rapid and unprecedented rise in atmospheric carbon dioxide.

    We have a picture of ancient climates, and the pattern of variation between ice age and inter-glacial periods, including the temperature fluctuation needed to drive these variations.

    We also have a picture of the more recent past, in central England, and how variations in average temperature of only one-half degree Celsius during the past millennium has caused significant climatic change.

    How can we use this data to create a realistic prediction of climate change for the next one hundred years?

    Most climate models conservatively predict an increase in average temperature of between one and three degrees Celsius in the next century. Nobody’s climate model is predicting a decrease in global temperature.

    Let’s split the difference and assume a two degree Celsius increase in average temperature. Likely effects of this increase are rising sea levels of one-and-a-half to three feet, changes in precipitation patterns, and more extreme precipitation events. As stated earlier these effects are already being observed.

    Other probable effects are increased storm intensity and forest/species destruction. It can certainly be argued that these effects are also being observed in our climate. Some of these effects can also be attributed to pollution and habitat destruction not directly related to global warming.

    Harder to predict, perhaps less likely eff

    Product Marketing for Internet Based Home Businesses
    All small business owners, especially those internet based, are concerned about product marketing and how to increase traffic to their web pages in order to increase sales. In addition, most want to not only market their products and increase traffic, but they want to do it affordable or free if at all possible. Fortunately, this is an option for home businesses, and all it takes is a little creativity combined with dedication. Also, for those businesses with advertising budgets, there are even more advertising options available. The following suggestions should help your product marketing plan significantly.Use ezines and newsletters to get your web page noticed. This might not sound like something you would be skilled at doing, but it can easily be done with a couple hours and some commitment. First, you need to find some ezines and newsletters that target your niche market. Then, write an article that can be submitted to a variety of ezines and online newsletters, just make sure you retain the copyright. At the end of your article create a resource box that contains your URL and some brief information about your company. Doing this will get your web page out in the public quickly and will result in many hits and free product marketing.Another way to market your products is to create a forum on your web page. By doing this, you are getting individuals to talk about products and services offered by your company as well as competitors and other relevant topics. This alone will help your product assuming you are offering top notch quality and customer service. If not, then a forum might not be the best idea for you. However, for those that are committed to their customers, forums generally create repeat traffic which is important to making sales. This is important because it has been proven that more than 70% of sales are made after the third, fourth o
    The Deer, or the Boy

    A deer in the headlights...

    Or the boy that cried wolf...

    How do you begin to make sense of the rhetoric surrounding the issue of global warming?

    There are no simple answers. It’s natural for non-scientists to become overwhelmed by the shouting and contradictions. It’s easy to bury your head in the sand with thoughts of, “I like warm weather anyway”.

    Being a non-scientist does not necessarily mean being uninformed – or misinformed. Between these simplistic opposing views is a more realistic and constructive outlook toward global climate change.

    Controversy does exist; this is natural for such a complex science. Science evolves; it is, and should be, open to debate. The debate in climatology is leading to a consensus that tells a tale of a world already experiencing the first signals of global warming.

    This is a primer for fellow lay people. Presented here is a picture of our climate. How it was, how it is, and how it may be in the near future. This picture is grounded in the basics of climatology.

    Now is the time to abandon the paralyzing rhetoric based in misinformation and incrimination - on both sides of the issue.

    Wouldn’t it be grand if we could leave to future generations a thriving economy, and a healthy and stable environment? The two do not need to be mutually exclusive.

    The Greenhouse Effect

    The greenhouse effect is a naturally occurring phenomenon of Earth’s environment, and is essential to the climate on Earth as we know it. With the natural greenhouse effect the average temperature on Earth is 15 degrees Celsius (59 degrees Fahrenheit). Without it, the average temperature would be about minus 18 degrees Celsius (or 0 degrees Fahrenheit).

    The world would be a very cold place, indeed!

    The greenhouse effect happens in nature by the presence of “greenhouse gases”, principally carbon dioxide (CO2), that trap heat from the sun in the atmosphere and provide a relatively mild and stable climate. Carbon dioxide from animal respiration is cycled into the atmosphere, then taken up by plants in the process of photosynthesis. Animals take in the oxygen emitted from the plants, and the cycle continues.

    The balance of nature is a wonderful thing...

    Too Much of a Good Thing

    Along comes humanity and our penchant to burn fossil fuels. This began in earnest with the start of the industrial revolution, around 1750. Burning these fuels - coal, oil, and natural gas - substantially augment the natural occurrence of CO2 in the atmosphere. CO2 isn’t the only culprit; other greenhouse gasses are produced from human activity. Agriculture produces methane and nitrous oxide, and aerosol propellants produce Chloroflourocarbons (CFCs - made famous mostly for the deleterious effect they have on the ozone layer). CO2 is the principal greenhouse gas due to the sheer volume released into the atmosphere from burning fossil fuels.

    Around 1750, the concentration of CO2 in the atmosphere was about 275 parts per million. Today, the concentration is 350 parts per million, or a 30% increase, and rising. Since the last half of the twentieth century, the rate of this increase has risen sharply.

    It is clear that there has been a rapid increase in the amount of carbon dioxide in the atmosphere since the start of industrialized society.

    But what effect does this have on Earth’s climate?

    Taking the Earth’s Temperature

    Recording the temperature at a single location on Earth is one thing, but how do we take the Earth’s temperature as a whole?

    We have daily temperature records for many parts of the globe going back about one hundred fifty years. As might be expected, there is a wide variation in average global temperature. But the overall trend is an increase of one-half degree Celsius (or one degree Fahrenheit) since the middle of the nineteenth century.

    This doesn’t sound like much, does it? But it can have significant effects on climate, as we will discuss shortly.

    First, let’s look at the problems associated with getting an accurate average temperature of the Earth over time. Among the problems are:

    • Instrumentation - thermometer design and accuracy has changed in the past century and a half.

    • Urban “heat islands”. The climate in and around urban areas is effected by the presence of that urban environment. Much of the official data recorded for temperature is taken in and around cities. Also, some of the data collection points may have at one time been in rural areas, and are now in urban areas. Data collection points change over time.

    • Geographical bias. Most of the data collection points are located in the industrialized, urbanized world, where the known heat island effects are most pronounced.

    Can all these problems give an inaccurate and misleading picture toward global warming?

    Yes, of course.

    However, these problems are well understood. Thus, the figure of one half-degree increase in average global temperature is not derived from raw data, but adjusted to compensate for the various factors that effect the raw data.

    Our picture thus far shows a significant increase of CO2 in the atmosphere since the start of industrialization. It also shows an increase of one-half degree Celsius in average global temperature since the mid-nineteenth century.

    What has caused this increase in average temperature? Is this just a natural fluctuation, or does it truly portend global climate change? If so, is this climate change due to industrialized human society?

    We’ve got some groundwork laid. Now let’s continue constructing our picture.

    Modeling the Climate

    Climatologists construct computer models of the climate to show the expected rise in temperature given the increase of greenhouse gas in the atmosphere. These models suggest a one degree Celsius rise in temperature. This is not too far off the observed increase of one half degree. However, it is double, and enough to cause concern about the accuracy of these models, or the claim that we are now experiencing global warming. Traditionally, most scientists have been reluctant to ascribe the observed increase in global temperature to human induced global warming due, in part, to this discrepancy.

    As stated earlier, science evolves. Improvements in climate modeling and observations of changes in the environment have eliminated this reluctance for the majority of climatologists.

    Receding glaciers, rising sea levels, dying coral reefs, migrating plants and animals, reduced daily temperature fluctuations, and more pronounced and frequent "extreme precipitation events” (a large amount of precipitation in a short amount of time) are all suggested by today’s climate models as a consequence of global warming. All these phenomena are being observed in our climate to some degree. The ten hottest years on record have all occurred since 1990, with 2005 topping the list.

    It is becoming clear to the majority of these experts that global warming is indeed occurring now.

    The next question now rests on the causes of this apparent global climate change, and the real effect it will have on the future of our climate and civilization.

    Ancient Climate

    The best way to answer this question is to look back at our climate, one hundred thousand years and more…

    If we have so much trouble taking Earth’s temperature over the past century, how can we hope to know the climate of ancient Earth?

    By taking ice core samples at the polar ice caps, scientists are able to tell the molecular composition of the precipitation as it fell to Earth. These ice-trapped clues are indicative of the temperature of these ancient times, and the fluctuations of temperature and climate through the eons. Thus we can differentiate between natural and human induced fluctuations.

    There have been regular patterns of ice ages lasting about one hundred thousand years. These ice ages are punctuated by warmer “inter-glacial” periods lasting around twenty thousand years. We are presently in an inter-glacial period.

    From our ice core samples, we know that the temperature difference between an ice age and an inter-glacial period is five to six degrees Celsius (nine to twelve degrees Fahrenheit). We also know from ancient air bubbles trapped in these samples that these temperature variations closely correlate with variations in atmospheric concentrations of CO2.

    The rate of temperature change in these natural fluctuations has been about one degree Celsius per one thousand years, much slower than current changes. Our concentration of atmospheric CO2 is the highest it has ever been, based on our ice core data.

    Clearly, we have altered our atmosphere.

    Still, do we really need to worry about a one-half degree Celsius change? We can start to answer this question by looking at the more recent past.

    Medieval England and The “Mini Ice Age”

    Using historical records, scientists can determine the variations in average temperature in central England for the past thousand years. Overall, the average temperature in England during this time period was ten degrees Celsius (fifty degrees Fahrenheit). There have been variations in average temperature of plus or minus one half degree Celsius around the ten degree average.

    This variation caused significant changes in climate, including vineyards in England, the colonization of Greenland during warm periods, and the formation of ice on the Thames River during the colder periods. Indeed, the 1600’s are described as a “mini ice age”.

    Using the Past to Look to the Future

    We now have a picture of temperature change since industrialization, and the rapid and unprecedented rise in atmospheric carbon dioxide.

    We have a picture of ancient climates, and the pattern of variation between ice age and inter-glacial periods, including the temperature fluctuation needed to drive these variations.

    We also have a picture of the more recent past, in central England, and how variations in average temperature of only one-half degree Celsius during the past millennium has caused significant climatic change.

    How can we use this data to create a realistic prediction of climate change for the next one hundred years?

    Most climate models conservatively predict an increase in average temperature of between one and three degrees Celsius in the next century. Nobody’s climate model is predicting a decrease in global temperature.

    Let’s split the difference and assume a two degree Celsius increase in average temperature. Likely effects of this increase are rising sea levels of one-and-a-half to three feet, changes in precipitation patterns, and more extreme precipitation events. As stated earlier these effects are already being observed.

    Other probable effects are increased storm intensity and forest/species destruction. It can certainly be argued that these effects are also being observed in our climate. Some of these effects can also be attributed to pollution and habitat destruction not directly related to global warming.

    Harder to predict, perhaps less likely effe

    My Credit Card Application Was Rejected! Now What?!?
    No doubt, you've probably gotten literally hundreds of credit card applications in the mail and online, and each and every one of them has said that you've been "Pre-Approved".Of course it's natural that this would lead us to believe that the application process is simply a formality. After all, you've been approved already so no worries, right? Wrong! Many of the offers that say you're "pre-approved" don't actually mean for the credit card. I know it's misleading, but what they're really saying is that you've been approved to apply for your card, not actually receive one. Your actual approval will depend on several different factors, any of which can keep you off the receiving end.We'll go over some of the reasons for rejection and what, if anything, can be done about them.WHY YOUR WERE REJECTED....The most probable answer is your credit score. Although several other things may have been taken into consideration, such as your salary or time on your job, your credit score is usually the biggie. The catch here is that your credit history doesn't even have to be bad, it can be blank and that will work against you just as much as a bad score will. Having no credit is almost as bad as having bad credit since the credit card companies have no reference point to see just how you will handle your credit account.If you have a history of making late payments on bills and other loans, that will work against you. The credit card company wants to know that you are a worthwhile risk before they issue you a card.As I mentioned above, other issues also come into play. If you have just started a new job, a creditor may want to wait a while to make sure that you keep it. These are other factors that will be considered if your credit history is less than perfect but not a total loss.WHAT TO DO ABOUT....Clean up your credit history
    balance of nature is a wonderful thing...

    Too Much of a Good Thing

    Along comes humanity and our penchant to burn fossil fuels. This began in earnest with the start of the industrial revolution, around 1750. Burning these fuels - coal, oil, and natural gas - substantially augment the natural occurrence of CO2 in the atmosphere. CO2 isn’t the only culprit; other greenhouse gasses are produced from human activity. Agriculture produces methane and nitrous oxide, and aerosol propellants produce Chloroflourocarbons (CFCs - made famous mostly for the deleterious effect they have on the ozone layer). CO2 is the principal greenhouse gas due to the sheer volume released into the atmosphere from burning fossil fuels.

    Around 1750, the concentration of CO2 in the atmosphere was about 275 parts per million. Today, the concentration is 350 parts per million, or a 30% increase, and rising. Since the last half of the twentieth century, the rate of this increase has risen sharply.

    It is clear that there has been a rapid increase in the amount of carbon dioxide in the atmosphere since the start of industrialized society.

    But what effect does this have on Earth’s climate?

    Taking the Earth’s Temperature

    Recording the temperature at a single location on Earth is one thing, but how do we take the Earth’s temperature as a whole?

    We have daily temperature records for many parts of the globe going back about one hundred fifty years. As might be expected, there is a wide variation in average global temperature. But the overall trend is an increase of one-half degree Celsius (or one degree Fahrenheit) since the middle of the nineteenth century.

    This doesn’t sound like much, does it? But it can have significant effects on climate, as we will discuss shortly.

    First, let’s look at the problems associated with getting an accurate average temperature of the Earth over time. Among the problems are:

    • Instrumentation - thermometer design and accuracy has changed in the past century and a half.

    • Urban “heat islands”. The climate in and around urban areas is effected by the presence of that urban environment. Much of the official data recorded for temperature is taken in and around cities. Also, some of the data collection points may have at one time been in rural areas, and are now in urban areas. Data collection points change over time.

    • Geographical bias. Most of the data collection points are located in the industrialized, urbanized world, where the known heat island effects are most pronounced.

    Can all these problems give an inaccurate and misleading picture toward global warming?

    Yes, of course.

    However, these problems are well understood. Thus, the figure of one half-degree increase in average global temperature is not derived from raw data, but adjusted to compensate for the various factors that effect the raw data.

    Our picture thus far shows a significant increase of CO2 in the atmosphere since the start of industrialization. It also shows an increase of one-half degree Celsius in average global temperature since the mid-nineteenth century.

    What has caused this increase in average temperature? Is this just a natural fluctuation, or does it truly portend global climate change? If so, is this climate change due to industrialized human society?

    We’ve got some groundwork laid. Now let’s continue constructing our picture.

    Modeling the Climate

    Climatologists construct computer models of the climate to show the expected rise in temperature given the increase of greenhouse gas in the atmosphere. These models suggest a one degree Celsius rise in temperature. This is not too far off the observed increase of one half degree. However, it is double, and enough to cause concern about the accuracy of these models, or the claim that we are now experiencing global warming. Traditionally, most scientists have been reluctant to ascribe the observed increase in global temperature to human induced global warming due, in part, to this discrepancy.

    As stated earlier, science evolves. Improvements in climate modeling and observations of changes in the environment have eliminated this reluctance for the majority of climatologists.

    Receding glaciers, rising sea levels, dying coral reefs, migrating plants and animals, reduced daily temperature fluctuations, and more pronounced and frequent "extreme precipitation events” (a large amount of precipitation in a short amount of time) are all suggested by today’s climate models as a consequence of global warming. All these phenomena are being observed in our climate to some degree. The ten hottest years on record have all occurred since 1990, with 2005 topping the list.

    It is becoming clear to the majority of these experts that global warming is indeed occurring now.

    The next question now rests on the causes of this apparent global climate change, and the real effect it will have on the future of our climate and civilization.

    Ancient Climate

    The best way to answer this question is to look back at our climate, one hundred thousand years and more…

    If we have so much trouble taking Earth’s temperature over the past century, how can we hope to know the climate of ancient Earth?

    By taking ice core samples at the polar ice caps, scientists are able to tell the molecular composition of the precipitation as it fell to Earth. These ice-trapped clues are indicative of the temperature of these ancient times, and the fluctuations of temperature and climate through the eons. Thus we can differentiate between natural and human induced fluctuations.

    There have been regular patterns of ice ages lasting about one hundred thousand years. These ice ages are punctuated by warmer “inter-glacial” periods lasting around twenty thousand years. We are presently in an inter-glacial period.

    From our ice core samples, we know that the temperature difference between an ice age and an inter-glacial period is five to six degrees Celsius (nine to twelve degrees Fahrenheit). We also know from ancient air bubbles trapped in these samples that these temperature variations closely correlate with variations in atmospheric concentrations of CO2.

    The rate of temperature change in these natural fluctuations has been about one degree Celsius per one thousand years, much slower than current changes. Our concentration of atmospheric CO2 is the highest it has ever been, based on our ice core data.

    Clearly, we have altered our atmosphere.

    Still, do we really need to worry about a one-half degree Celsius change? We can start to answer this question by looking at the more recent past.

    Medieval England and The “Mini Ice Age”

    Using historical records, scientists can determine the variations in average temperature in central England for the past thousand years. Overall, the average temperature in England during this time period was ten degrees Celsius (fifty degrees Fahrenheit). There have been variations in average temperature of plus or minus one half degree Celsius around the ten degree average.

    This variation caused significant changes in climate, including vineyards in England, the colonization of Greenland during warm periods, and the formation of ice on the Thames River during the colder periods. Indeed, the 1600’s are described as a “mini ice age”.

    Using the Past to Look to the Future

    We now have a picture of temperature change since industrialization, and the rapid and unprecedented rise in atmospheric carbon dioxide.

    We have a picture of ancient climates, and the pattern of variation between ice age and inter-glacial periods, including the temperature fluctuation needed to drive these variations.

    We also have a picture of the more recent past, in central England, and how variations in average temperature of only one-half degree Celsius during the past millennium has caused significant climatic change.

    How can we use this data to create a realistic prediction of climate change for the next one hundred years?

    Most climate models conservatively predict an increase in average temperature of between one and three degrees Celsius in the next century. Nobody’s climate model is predicting a decrease in global temperature.

    Let’s split the difference and assume a two degree Celsius increase in average temperature. Likely effects of this increase are rising sea levels of one-and-a-half to three feet, changes in precipitation patterns, and more extreme precipitation events. As stated earlier these effects are already being observed.

    Other probable effects are increased storm intensity and forest/species destruction. It can certainly be argued that these effects are also being observed in our climate. Some of these effects can also be attributed to pollution and habitat destruction not directly related to global warming.

    Harder to predict, perhaps less likely eff

    Understand Mortgage Lender Responsibilities Before Your Application is Accepted
    The mortgage process can be a very involved event. Future home owners often spend days, sometime months shopping lenders, looking at homes, saving for a down payment and deciding exactly how much money he or she can afford on a monthly mortgage payment.Finding and purchasing a home is more than just a financial decision, because it involves personal attachment and investment. Buying home is often a lifetime goal for many people, so the entire mortgage process running smoothly is favored over one that is stressful and unorganized.By understanding the information you are supposed to get from a potential lender while you are shopping, you are more likely to get the terms that you want that fit your financial information in a relatively easy and simple way.In order to get the best mortgage for you, which may be a certain principal amount, mortgage term, or perhaps specialized such as less than 20% down towards a down payment, you must know the mortgage lender's responsibility before you apply and are accepted for the mortgage.Mortgage lenders offer two different types of information to potential loan applicants, informal and formal. This informal and formal information is used to determine the type of loan the applicant needs and can qualify for, before the application is actually addressed.Formal information includes pre-qualifying underwriting standards such as housing and debt ratios that are applied to the applicant's personal financial information. Mortgage lenders can provide information that indicates the maximum loan for which borrowers would qualify. This, of course, is subject to the property in question and the verification of the person's credit history, income, debt and employment.The mortgage lender is required to explain the offers in detail. Every item should be explained, such as the interest rate, and what makes u
    cities. Also, some of the data collection points may have at one time been in rural areas, and are now in urban areas. Data collection points change over time.

    • Geographical bias. Most of the data collection points are located in the industrialized, urbanized world, where the known heat island effects are most pronounced.

    Can all these problems give an inaccurate and misleading picture toward global warming?

    Yes, of course.

    However, these problems are well understood. Thus, the figure of one half-degree increase in average global temperature is not derived from raw data, but adjusted to compensate for the various factors that effect the raw data.

    Our picture thus far shows a significant increase of CO2 in the atmosphere since the start of industrialization. It also shows an increase of one-half degree Celsius in average global temperature since the mid-nineteenth century.

    What has caused this increase in average temperature? Is this just a natural fluctuation, or does it truly portend global climate change? If so, is this climate change due to industrialized human society?

    We’ve got some groundwork laid. Now let’s continue constructing our picture.

    Modeling the Climate

    Climatologists construct computer models of the climate to show the expected rise in temperature given the increase of greenhouse gas in the atmosphere. These models suggest a one degree Celsius rise in temperature. This is not too far off the observed increase of one half degree. However, it is double, and enough to cause concern about the accuracy of these models, or the claim that we are now experiencing global warming. Traditionally, most scientists have been reluctant to ascribe the observed increase in global temperature to human induced global warming due, in part, to this discrepancy.

    As stated earlier, science evolves. Improvements in climate modeling and observations of changes in the environment have eliminated this reluctance for the majority of climatologists.

    Receding glaciers, rising sea levels, dying coral reefs, migrating plants and animals, reduced daily temperature fluctuations, and more pronounced and frequent "extreme precipitation events” (a large amount of precipitation in a short amount of time) are all suggested by today’s climate models as a consequence of global warming. All these phenomena are being observed in our climate to some degree. The ten hottest years on record have all occurred since 1990, with 2005 topping the list.

    It is becoming clear to the majority of these experts that global warming is indeed occurring now.

    The next question now rests on the causes of this apparent global climate change, and the real effect it will have on the future of our climate and civilization.

    Ancient Climate

    The best way to answer this question is to look back at our climate, one hundred thousand years and more…

    If we have so much trouble taking Earth’s temperature over the past century, how can we hope to know the climate of ancient Earth?

    By taking ice core samples at the polar ice caps, scientists are able to tell the molecular composition of the precipitation as it fell to Earth. These ice-trapped clues are indicative of the temperature of these ancient times, and the fluctuations of temperature and climate through the eons. Thus we can differentiate between natural and human induced fluctuations.

    There have been regular patterns of ice ages lasting about one hundred thousand years. These ice ages are punctuated by warmer “inter-glacial” periods lasting around twenty thousand years. We are presently in an inter-glacial period.

    From our ice core samples, we know that the temperature difference between an ice age and an inter-glacial period is five to six degrees Celsius (nine to twelve degrees Fahrenheit). We also know from ancient air bubbles trapped in these samples that these temperature variations closely correlate with variations in atmospheric concentrations of CO2.

    The rate of temperature change in these natural fluctuations has been about one degree Celsius per one thousand years, much slower than current changes. Our concentration of atmospheric CO2 is the highest it has ever been, based on our ice core data.

    Clearly, we have altered our atmosphere.

    Still, do we really need to worry about a one-half degree Celsius change? We can start to answer this question by looking at the more recent past.

    Medieval England and The “Mini Ice Age”

    Using historical records, scientists can determine the variations in average temperature in central England for the past thousand years. Overall, the average temperature in England during this time period was ten degrees Celsius (fifty degrees Fahrenheit). There have been variations in average temperature of plus or minus one half degree Celsius around the ten degree average.

    This variation caused significant changes in climate, including vineyards in England, the colonization of Greenland during warm periods, and the formation of ice on the Thames River during the colder periods. Indeed, the 1600’s are described as a “mini ice age”.

    Using the Past to Look to the Future

    We now have a picture of temperature change since industrialization, and the rapid and unprecedented rise in atmospheric carbon dioxide.

    We have a picture of ancient climates, and the pattern of variation between ice age and inter-glacial periods, including the temperature fluctuation needed to drive these variations.

    We also have a picture of the more recent past, in central England, and how variations in average temperature of only one-half degree Celsius during the past millennium has caused significant climatic change.

    How can we use this data to create a realistic prediction of climate change for the next one hundred years?

    Most climate models conservatively predict an increase in average temperature of between one and three degrees Celsius in the next century. Nobody’s climate model is predicting a decrease in global temperature.

    Let’s split the difference and assume a two degree Celsius increase in average temperature. Likely effects of this increase are rising sea levels of one-and-a-half to three feet, changes in precipitation patterns, and more extreme precipitation events. As stated earlier these effects are already being observed.

    Other probable effects are increased storm intensity and forest/species destruction. It can certainly be argued that these effects are also being observed in our climate. Some of these effects can also be attributed to pollution and habitat destruction not directly related to global warming.

    Harder to predict, perhaps less likely eff

    The Essential Guide To Insurance
    Insurance can at times be somewhat of a minefield for many people; with so many different products available, choosing the right one and making sure that we are properly covered can be a challenge. Although this may be the case, it is also an essential part of our everyday living.Buildings InsuranceYour home is likely to be your most valuable possession so it is important to ensure that adequate buildings insurance cover is set in place.Buildings insurance covers the structure of the building plus anything you would normally leave behind when you move. This will include things like patios, drives, fences, walls and permanent fixtures like kitchens and bathrooms. Accidental damage caused by fire, storms, or burst pipes, for example will also be covered.Having buildings insurance cover in place is not if fact a legal requirement although nearly every mortgage lender will insist that cover is taken out as they look to protect what is their asset too, albeit temporarily.Many lenders will offer a block building insurance policy arrangement. The cover provided and premium rate are agreed between the lender and insurer, but instead of issuing each borrower with an individual policy number a master policy is set up, with both the lender and insurer having copies.These premiums are not always the most competitive in price so it is advisable to shop around for quotes also.The amount that each property will need to be insured for will of course vary. The valuer will provide a figure for the re-instatement value of the property, ie the cost of rebuilding in the event of total destruction. There is no specific link between this figure and that for the valuation for mortgage purposes, or the price that the purchaser has agreed to pay.Contents InsuranceContents insurance offers cover on t
    a short amount of time) are all suggested by today’s climate models as a consequence of global warming. All these phenomena are being observed in our climate to some degree. The ten hottest years on record have all occurred since 1990, with 2005 topping the list.

    It is becoming clear to the majority of these experts that global warming is indeed occurring now.

    The next question now rests on the causes of this apparent global climate change, and the real effect it will have on the future of our climate and civilization.

    Ancient Climate

    The best way to answer this question is to look back at our climate, one hundred thousand years and more…

    If we have so much trouble taking Earth’s temperature over the past century, how can we hope to know the climate of ancient Earth?

    By taking ice core samples at the polar ice caps, scientists are able to tell the molecular composition of the precipitation as it fell to Earth. These ice-trapped clues are indicative of the temperature of these ancient times, and the fluctuations of temperature and climate through the eons. Thus we can differentiate between natural and human induced fluctuations.

    There have been regular patterns of ice ages lasting about one hundred thousand years. These ice ages are punctuated by warmer “inter-glacial” periods lasting around twenty thousand years. We are presently in an inter-glacial period.

    From our ice core samples, we know that the temperature difference between an ice age and an inter-glacial period is five to six degrees Celsius (nine to twelve degrees Fahrenheit). We also know from ancient air bubbles trapped in these samples that these temperature variations closely correlate with variations in atmospheric concentrations of CO2.

    The rate of temperature change in these natural fluctuations has been about one degree Celsius per one thousand years, much slower than current changes. Our concentration of atmospheric CO2 is the highest it has ever been, based on our ice core data.

    Clearly, we have altered our atmosphere.

    Still, do we really need to worry about a one-half degree Celsius change? We can start to answer this question by looking at the more recent past.

    Medieval England and The “Mini Ice Age”

    Using historical records, scientists can determine the variations in average temperature in central England for the past thousand years. Overall, the average temperature in England during this time period was ten degrees Celsius (fifty degrees Fahrenheit). There have been variations in average temperature of plus or minus one half degree Celsius around the ten degree average.

    This variation caused significant changes in climate, including vineyards in England, the colonization of Greenland during warm periods, and the formation of ice on the Thames River during the colder periods. Indeed, the 1600’s are described as a “mini ice age”.

    Using the Past to Look to the Future

    We now have a picture of temperature change since industrialization, and the rapid and unprecedented rise in atmospheric carbon dioxide.

    We have a picture of ancient climates, and the pattern of variation between ice age and inter-glacial periods, including the temperature fluctuation needed to drive these variations.

    We also have a picture of the more recent past, in central England, and how variations in average temperature of only one-half degree Celsius during the past millennium has caused significant climatic change.

    How can we use this data to create a realistic prediction of climate change for the next one hundred years?

    Most climate models conservatively predict an increase in average temperature of between one and three degrees Celsius in the next century. Nobody’s climate model is predicting a decrease in global temperature.

    Let’s split the difference and assume a two degree Celsius increase in average temperature. Likely effects of this increase are rising sea levels of one-and-a-half to three feet, changes in precipitation patterns, and more extreme precipitation events. As stated earlier these effects are already being observed.

    Other probable effects are increased storm intensity and forest/species destruction. It can certainly be argued that these effects are also being observed in our climate. Some of these effects can also be attributed to pollution and habitat destruction not directly related to global warming.

    Harder to predict, perhaps less likely eff

    How to Sell a Product Online- Sell It Yourself Part II
    If you have a product that you know will sell if you could make it visible to potential customers, you have two basic options. One is to have others sell it for you, and the other is to sell it yourself. Let’s have a look at both. First, the second: sell it yourself.This is the preferred method of internet marketing for many, though ultimately more money is to be made by having others sell you product for you. You can draw a parallel with opening your own shop on the High Street to sell your own product, or selling it to other shops to sell on at a higher price. However, if you want to sell your product yourself, you will need a website.You should find a web host that provides you with a range of features on your site, such as multiple email addresses, autoresponders, software to design and build your own web pages and online forms, a checkout and credit card payment program and, if possible, unlimited subdomains that enable you to have virtual websites for every product that you sell. Looking ahead, you should also have an affiliate management option, so that you can offer affiliate programs to those willing to sell your product for a commission.Once you have your website, there are a number of techniques that you can use to advertise. Just as offline products can be offered using paid adverts, so too can those sold online. You can use pay per click advertising, such as Google Adwords or Yahoo Search Marketing and also pay for ads on ezines and other online publications. Although not intending to specifically promote Adwords, this is a particularly good advertising platform due to Google Adsense that places your adverts on web pages that are specifically targeted to your type of product.
    The “Mini Ice Age”

    Using historical records, scientists can determine the variations in average temperature in central England for the past thousand years. Overall, the average temperature in England during this time period was ten degrees Celsius (fifty degrees Fahrenheit). There have been variations in average temperature of plus or minus one half degree Celsius around the ten degree average.

    This variation caused significant changes in climate, including vineyards in England, the colonization of Greenland during warm periods, and the formation of ice on the Thames River during the colder periods. Indeed, the 1600’s are described as a “mini ice age”.

    Using the Past to Look to the Future

    We now have a picture of temperature change since industrialization, and the rapid and unprecedented rise in atmospheric carbon dioxide.

    We have a picture of ancient climates, and the pattern of variation between ice age and inter-glacial periods, including the temperature fluctuation needed to drive these variations.

    We also have a picture of the more recent past, in central England, and how variations in average temperature of only one-half degree Celsius during the past millennium has caused significant climatic change.

    How can we use this data to create a realistic prediction of climate change for the next one hundred years?

    Most climate models conservatively predict an increase in average temperature of between one and three degrees Celsius in the next century. Nobody’s climate model is predicting a decrease in global temperature.

    Let’s split the difference and assume a two degree Celsius increase in average temperature. Likely effects of this increase are rising sea levels of one-and-a-half to three feet, changes in precipitation patterns, and more extreme precipitation events. As stated earlier these effects are already being observed.

    Other probable effects are increased storm intensity and forest/species destruction. It can certainly be argued that these effects are also being observed in our climate. Some of these effects can also be attributed to pollution and habitat destruction not directly related to global warming.

    Harder to predict, perhaps less likely effects of our predicted temperature increase over the next century are changes in ocean circulation patterns and ice sheet surges. These effects would cause a drastic disruption of our climate.

    We need to remember that the rate of temperature change is an order of magnitude ten to twenty times greater than that of the natural fluctuations of the past. Also, keep in mind that the difference between an ice age and an inter-glacial period is between five and six degrees Celsius. A rapid two-degree change could have significant effects on our global climate.

    Our Picture…

    Modeling the climate and predicting likely outcomes based on the buildup of greenhouse gasses is complex and controversial. The most complex models take months of continuous computer time to project over the next century. As the science evolves, so does the consensus among scientists.

    Here is what we are reasonably certain of:

    • That we have significantly increased the amount of carbon dioxide and other greenhouse gasses in our atmosphere since the start of industrialized society.

    • That these levels of carbon dioxide are greater than at any time for which we have data, or thousands years.

    • That there is a close correlation between rising CO2 levels and rising temperature, based on ice core samples of ancient climates.

    • That we have observed a one-half degree rise in temperature in the past one hundred fifty years.

    • That our current rate of temperature change is ten to twenty times faster than that what has occurred in the past.

    • That a fluctuation of one half degree over a few hundred years can cause significant climatic changes.

    • That the signature of global warming is present in today’s climate.

    And what is less certain:

    • How much of a temperature increase will actually occur in the next century, though a one to three degree Celsius rise is expected.

    • What the effects will be of this rise in average global temperature.

    A Call for Reason

    We live in times of unprecedented wealth and abundance. Our levels of consumption are enormous.

    As we have seen, climatology is a complex endeavor. We surely cannot know all there is to know in the workings of our planet. But the growing body of evidence would suggest that prudence and caution are called for.

    Is it not arrogant for us to ignore this mounting evidence? The future is always uncertain, and taking steps to guard against undesirable outcomes is not unusual.

    Remember“Y2K”? Some claimed that it was just a hoax, others prepared for the end of the world as we knew it. Undeniably, Y2K pales in comparison to the complexity of global climate change. But Y2K is an example of how reason dictated prudent caution, and reasonable people undertook basic steps to insure that the “Y2K” bug would not bite, despite the inconvenience and expense involved.

    Reason is called for here. Now is the time to develop a unified consensus and plan of action to mitigate the probable effects of global warming.

    It starts with people like you and me. We need to look at our own habits and think about what we can do to curb the spiraling consumption that fuels the unprecedented rise in greenhouse gas.

    Change is inevitable. Could anyone at the beginning of the twentieth century have foreseen the world we live in today? We need to let institutions and government know that we expect leaders of courage and vision to guide us into the twenty first century.

    The burden is on leaders, industry, and citizens. It is, indeed, on every one of us.

    The future livability of our climate could very well rest in our hands. Not just for humans, but for all life on Earth.

    For all we know, tomorrow may be too late.

    Are we really willing to take that risk?

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