NOKIA LUMIA 1520

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The Nokia Lumia 1520 comes with all the exclusive features of Windows Phone 8, like Live Tiles and People Hub. And they're all optimised for the big screen, making your Windows Phone 8 experience even better.

The Nokia Lumia 1520 is a powerhouse of productivity. Built-in Microsoft Office means you can view and edit Word, Excel and PowerPoint files without losing any original formatting. Save documents to SkyDrive and return to them whenever it suits you. With a six-inch, super-sensitive, full HD display and great readability in sunlight, the Nokia Lumia 1520 is the perfect canvas to tell your story on.  Take amazing photos with a 20MP PureView camera and let Nokia Storyteller organize them into stories using interactive HERE maps. Tell a different story by reframing and recropping high-resolution photos. Add captions and explore a whole range of creative effects and filters with exclusive photo editing tools. Capture a world of sound like never before with the Nokia Lumia 1520. With Nokia Rich Recording and 4 built-in microphones, you not only get distortion-free, immersive directional stereo recording, but also highly improved sound clarity for the sound you want to capture.

The Nokia Lumia 1520 is a formidable business smartphone with built-in Microsoft Office, respected business applications like Microsoft Exchange, Office 365 and Lync, as well as enterprise-level security to give you peace of mind.


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No Smoking - SMOKING CESSATION OF HYPNOSIS

No Smoking Please, Smoking Cessation of Hypnosis last no longer smoke, smoke free you finally want to quit smoking?

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Support from friends and family can increase your chances of quitting, but lots of smokers try to go it alone. EX shows you how to get the support you need, even if it’s just getting people to give you some space every once in a while.

They have realized that it's time to finally do something for your health and quit smoking.

Smoking is a vice, and everyone knows how bad this habit. Not only the health but also the bank account suffers. For this reason, more and more people want to quit smoking, but this often turns out to be difficult. term "just stop", which is the desire that many smokers want to fulfill. Smoking is no physical addiction. The addiction arises in your mind and that is where they can quit again. Smoking is a program and programs can change. You will be surprised how easy it is to renounce the vices with hypnosis. Hypnosis is in my opinion the easiest and most effective.

There are numerous quit smoking programs available to you. These programs work differently for each person. Some smokers use one program or a combination of programs to help them with their nicotine addiction.

The American Lung Association offers their Freedom from Smoking Online. This popular smoking cessation program is offered free and is there to help you to quit smoking cigarettes and ease your nicotine addiction.

Nicotine Anonymous offers face-to-face discussions on your efforts to quit smoking. This quit smoking program can be accessed by calling directory assistance and asking for your local chapter. Nicotine Anonymous is based on 12 steps and the meetings are free.

Getting into one or more of these quit smoking programs may help you stop smoking and free you from your nicotine addiction.

Christmas Information

Merry Christmas

Christmas is an annual commemoration of the birth of Jesus Christ and a widely observed cultural holiday, celebrated generally on December 25 by billions.

Enjoy Christmas with Santa Claus at the North pole, an award-winning Christmas. Send a letter to Santa Claus or a Christmas card to a friend. Share gift ideas, wish lists, Christmas Tree, Christmas recipes, Christmas traditions, Christmas games, photos.

Christmas is a time for Families, Fun, and Festivities. A time of family gatherings and holiday meals. A time for Santa, stars, and singing carolers. A time for ornaments, gifts, and twinkling lights. Of sleigh rides, hot cocoa, and gingerbread cookies. So here for your entertainment are some fun Holiday things for you and your family. We've got stories of Christmas and the Christ Child, holiday music for singing along, tasty holiday recipes, and holiday pictures for the kids to print and color. Enjoy our daily Video Advent Calendar as you countdown to Christmas. So bring your kids and tell your friends. We hope you find something you like and be sure to decorate for the Christmas season with these beautiful Christmas ornaments.

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The definition of Christmas is a holiday celebrated on December 25 both as a religious tradition commemorating the birth of Jesus and as a secular holiday. Christmas Traditions Many people around the world decorate with evergreen trees and branches. Germans started bringing these trees into their homes in the 16th century. Evergreens represent strength, because they can stand up to a harsh, cold winter. In some cultures, they are believed to ward off evil spirits. Besides that, they also smell great. Trees and evergreen wreaths can be decorated with just about anything: popcorn, candles, lights, apples, berries, small toys, cookies, ornaments, tinsel, garland, and nuts. The first printed Christmas cards started in England in 1843 as a way to remind people to help the poor. The very first printed card said, “A Merry Christmas and a Happy New Year to You" and was sent by Sir Henry Cole. At first, the cards had signs of spring, like birds, animals, children, and fairies. This tradition caught on quickly and is practiced by many around the world. The tradition of hanging stockings by the fire started with the story of St. Nicholas. He wanted to help a poor man and his three daughters, but wanted to be anonymous. As the story goes, he rode by their house on a white horse and tossed three bags of coins down the chimney. The bags were miraculously caught in the girls’ stockings that had been hung there to dry.

Christmas Gift

The holiday season is also a time when many people still send out Christmas cards to friends and family. Today's Christmas cards might feature anything ranging from a religious scene to some fun snowman characters spreading a little joy during the holiday season. Many families send photo christmas cards to share their family photos, because holiday cards seem more special with a photo. Don't forget everyone loves a holiday party, so sending holiday party invitations is also crucial for the season.

Zacks Investment Ideas Feature Highlights: Manitex International, Express and General Motors

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Value investors have long looked to the price-to-earnings ratio as a means to finding value stocks. However, Benjamin Graham, long considered to be the "father" of value investing, found that a low price-to-earnings ratio wasn't enough to unearth the true undervalued companies.

Graham combined the low price-to-earnings ratios with the power of growth by using the PEG ratio. The PEG ratio is calculated by taking the price-to-earnings (P/E) ratio and dividing it by the growth rate. Normally, a stock with a PEG ratio under 1.0 is considered a "value".

With the S&P 500, the Russell 2000 and the Mid-cap 400 trading at new record highs, you might think it would be hard to find ANY value.

Screening for PEG
I created a screen for PEG ratios under 1.0 on Zacks free Custom Screener.
Just this one criteria gave me 372 stocks. That's not too shabby.
But all 372 companies are not necessarily good value stocks. I eliminated companies that had a Zacks rank of 4 or 5, which are Zacks Rank Sells, and only searched for Buy ranked stocks.  I also then considered other fundamentals such as the price-to-sales ratio. I plugged in a P/S ratio under 1.0 which can also mean a company is undervalued.

3 Stocks with Magic PEG Ratios
The following 3 companies stood out because they had both stellar value fundamentals, including a low PEG ratio, and a solid business story, including strong earnings growth.
Manitex International
Express Inc.
General Motors

1. Manitex International, Inc. (MNTX-Free Report)

Manitex manufactures lifting solutions including cranes, reach stackers and container handling equipment, rough terrain forklifts, and indoor electric forklifts. Headquartered in Illinois, it supplies crane parts to customers throughout the world.

It is a micro cap company with a market cap of just $163 million. But analysts expect outsized earnings growth in 2013 and 2014 of 26.5% and 39.2%, respectively.

Even though shares are at a new 52-week high, it has a forward P/E of just 15.5. Combined with the earnings growth, that gives it a PEG ratio under the magic level of 1.0.

PEG ratio: 0.8
P/S ratio: 0.7

Zacks Rank #1 (Strong Buy)

2. Express Inc. (EXPR-Free Report)

Express operates men's and women's apparel stores targeting the 20 and 30-something demographic in the United States, Canada and Puerto. Its 620 stores are located primarily in shopping malls, although you can also find them in some big city neighborhoods.

Express is also a small cap, but at a $1.9 billion market cap, it dwarfs Manitex.

While the company isn't expected to see any earnings growth this fiscal year, it is set to rebound with earnings growth of 13.5% in fiscal 2014.

Compared to the S&P 500, Express is cheap. It has a forward P/E of 13.9 while the index trades at 16.2.
Combined with next year's double digit earnings growth, Express has the magic PEG ratio under 1.0.

PEG ratio: 0.95
P/S ratio: 0.9
Zacks Rank #2 (Buy)

3. General Motors (GM-Free Report)

General Motors produces cars and trucks worldwide. Car sales in the United States are hot and have nearly recovered pre-recession highs.

Earnings growth is expected to be just 4.5% in 2013 but 2014 is expected to see the big turnaround with earnings expected to rise another 34%.

Shares were on a hot streak over the summer, as they soared to new 52-week highs. Still, the stock is cheap, with a forward P/E of 10.6.

That means it has the magic combination of both growth and value which produces a PEG under 1.0.
PEG ratio: 0.8
P/S ratio: 0.4
Zacks Rank #2 (Buy)

Dig Deep for the Magic

It's not that easy in this momentum driven market to find stocks with value AND growth. But if you can find this rare combination, those are stocks you might want to keep on your wish list.

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Past performance is no guarantee of future results. Inherent in any investment is the potential for loss. This material is being provided for informational purposes only and nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. It should not be assumed that any investments in securities, companies, sectors or markets identified and described were or will be profitable. All information is current as of the date of herein and is subject to change without notice. Any views or opinions expressed may not reflect those of the firm as a whole. Zacks Investment Research does not engage in investment banking, market making or asset management activities of any securities. These returns are from hypothetical portfolios consisting of stocks with Zacks Rank = 1 that were rebalanced monthly with zero transaction costs. These are not the returns of actual portfolios of stocks. The S&P 500 is an unmanaged index.



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Auto Industry, Japanese Nissan in US plant

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The United Auto Workers is ratcheting up pressure on Nissan in the hopes it may finally succeed at organizing the Japanese automaker's plant in the typically anti-union southern US state of Mississippi. It has taken its campaign to the world stage in a bid to pressure Nissan to cease what the UAW has called union-busting tactics.  They efforts have won the endorsement of Nissan's Japanese unions and sympathetic unions have staged demonstrations protesting Nissan's tactics in Brazil and at the Geneva auto show.

The UAW is hoping to gain the backing of the powerful French unions of Nissan's partner Renault by bringing workers to Paris this week to describe their plight.  "The UAW's approach in Mississippi has been very innovative and very patient," said Harley Shaiken, a labor expert from the University of California, Berkley.  The aggressive campaign comes as the UAW celebrates a big break in its decades-long efforts to organize the plants of foreign automakers. Volkswagen is currently engaged in talks with the UAW about how to get employees at its Tennessee plant a seat on the German automaker's works council. It has never managed to organize workers at the plants of foreign automakers except in a handful of joint ventures with unionized General Motors, Ford or Chrysler. But its president Bob King insists the tide is finally turning.  "We've never been this far along in an organizing drive in the South," King said in a recent interview. "It's going really well."

King, a veteran of several failed organizing attempts, said the number of employees supporting the UAW inside Nissan's Canton plant has continued to grow since the latest campaign was launched more than a year ago. The campaign is being carefully watched by other automakers.

One former official from Honda, who has observed UAW organizing efforts in the past and asked for anonymity, said it is likely the UAW has gained a foothold in Canton because of the widespread use of temporary workers.  That appears to have unsettled the regular employees, who thought they had finally won a measure of job security in a state with the lowest per capita income in the United States. But those same job security fears could work against the UAW, said Sean McAlinden, chief economist at Michigan's Center of Automotive Research.  "They worry about Mexico," McAlinder said, noting that several automakers -- including Nissan -- will be opening new factories there this year.

The Nissan campaign has attracted the interest of labor leaders looking for a way to gain more leverage over big companies in a global economy that has driven down wages in industrial countries, said Kent Wong, a labor expert at the University of California, Los Angeles.  "I don't know if they are going to be successful," he cautioned.

The UAW faces powerful opposition from the political establishment in Mississippi and from workers who have been raised on a diet of anti-union sentiment.  It has also accused Nissan of employing union-busting tactics like using implicit threats to close the plant if it unionizes, charges Nissan denies.  "Nissan has never violated labor standards and would never tolerate threats or intimidation of our employees," Nissan spokesman Justin Saia said. "Nissan will continue to abide by US labor laws and support the rights of employees to decide whether they wish to be represented by a union.”  The standard anti-union playbook being used in Canton isn't working, King insisted.  "They use 'one-on-one' meetings to attack the union and if we call a meeting after work they'll schedule overtime," King told AFP. "But we're still getting support."

Nissan worker Raphael Martinez said one of the reason he supports the UAW is because the union's positive message is focused on making Nissan a better company overall.  "One thing I appreciate about the UAW is that they don’t tend to demonize Nissan," Martinez told AFP. "Nissan, on the other hand, tends to demonize the UAW with negative propaganda." Nissan dismissed the pro-union sentiment as unrepresentative of the bulk of the workforce.  "If you notice, they bring out the same people all the time," said one Nissan executive, who asked not to be identified while commenting on the UAW effort.

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Caravan Insurance Protract Yourself and Your Property

It's so easy to find the best deal on your Caravan Insurance

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We have searched the market for specialist insurance providers for an easy-to-use service to help you get quotes for your caravan or motor home cover.

Your steps.
Fill in our easy form
Receive up to six quotes
Choose the policy that suits you and contact the broker to arrange your cover.
Start your quote on the panel to the right, or follow the links below for Park home, Leisure home or European static caravan insurance.

Caravan insurance is a sound investment for peace of mind. Why worry about your caravan on holiday when all you want to do is relax?

When summer rolls around and you excitedly book time off work for a break, don’t forget to consider taking out some good caravan insurance. With increasing rates of caravan theft and vandalism, you want to make sure you are covered for this and every other eventuality. Even though you are sure to have a wonderful time, there are many things that could go wrong, from the caravan blowing over on the motorway, to damage caused by weather (it is Britain after all).

These are some reasons why you should consider purchasing caravan insurance before you venture on holiday.

Caravan Insurance  Check your Policy

Many people believe they don’t need caravan insurance for their touring model because it is covered under their car insurance. What they might not realize is that the insurance may only be valid for when the caravan is attached to the vehicle, and not, for example, when left alone at a campsite. To prevent a nasty holiday headache, double-check your policy, and consider taking out specialist caravan insurance to ensure your mobile holiday home is protected at all times in all circumstances.

Caravan Insurance - Beat the Thieves

The main reason for ensuring you have full-cover caravan insurance is to take into account the increasing levels of caravan theft. There is nothing more disheartening than leaving your caravan unattended whilst you go to visit a site of interest, only to find it gone on your return. It gets worse when you check your insurance policy to find you weren’t covered because the caravan wasn’t being towed! Prevent this disaster happening to you by taking out caravan insurance and taking every possible security measure while you’re away.

Caravan Insurance  Protection from the Elements

Another misfortune that can easily befall British holidaymakers is being struck by freak weather. No one could forget the flash floods in Cornwall a few years ago, and the amount of loss and damage they caused. If you don’t have full caravan insurance, and your touring or static caravan is damaged by extreme weather, then you could be facing costly repairs  or may even have to buy a replacement caravan. Don’t take the risk  check your caravan insurance.

Caravan Insurance  In case of Accidents

Unfortunately an incident is all too easy in a caravan, whether it’s being blown over on the motorway or being involved in a pile-up. You may even incur small dents from minor accidents, such as in busy car holiday car parks. It would be such a shame to have your holiday ruined by realizing that your existing policy does n’t cover you for such eventualities, so give yourself peace of mind by taking out specialist caravan insurance.

Looking for Caravan Insurance? Try InsuranceForCaravans.co.uk 

InsuranceForCaravans.co.uk  is the site to visit if you are looking for caravan insurance. With a range of financial promotions for firms who provide Caravan Insurance, simply visit our advertisers websites to find out what each insurance policy covers and you are bound to find a product that suits you, whether you have a static or touring caravan. Don’t take any chances with the safety of your caravan  try InsuranceForCaravans.co.uk  today.


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Pet Insurance in the UK

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Gross written premiums in the pet insurance category grew by 35.5% in absolute terms during the review period (2008-2012), making it the fastest-growing category of insurance sales. The category's expansion was promoted by rising veterinary fees and advances in veterinary treatment. Despite the recessionary environment and the squeeze on household incomes, demand for pet insurance remained strong during the review period. Lifestyle changes and an increase in the number of smaller households have made it more difficult to own a pet, but almost half of all UK households owned at least one pet in 2012. Household expenditure on veterinary care rose by 22.2% during the review period. Despite fast growth, pet insurance market penetration remained low, with approximately 46% of dogs and 66% of cats left uninsured in 2012, resulting in huge potential for new product providers.

Key Highlights
Aviva Now Underwrites Pet Insurance Policies Itself
RSA Renews Pet Insurance Partnership with Tesco Bank
L&G Extends its Range of Personal insurance Cover with Launch of Pet Insurance
Capita Insurance Distribution Selects Zenith Insurance to Underwrite Pet Policies
Sainsbury's Bank Partners with Allianz Insurance for Pet Insurance
M&S Reappoints RSA for Pet Insurance
Axa Pulls Out of Pet Insurance Market

Key Topics Covered:
1 Executive Summary
2 Introduction
3 Market Analysis
4 Competitive Landscape
5 Porter's Five Forces Analysis
6 Deals and News
7 Regulation and Compliance
8 Economic Backdrop
9 Company Profiles

Name of Insurance Co.
Agria International Forsakring AB
Allianz Insurance Plc
Axa Insurance UK Plc
Direct Line Insurance Group Plc
Pinnacle Insurance Plc
QBE Insurance (Europe) Ltd
Red Sands Insurance Company (Europe) Ltd
Royal & Sun Alliance Insurance Group Plc
Ultimate Insurance Company Ltd
Zenith Insurance Plc


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