Divyayogashop give shaligram super store

Shaligram or Ammonite fossil is a darkish stone characterized by the presence of discus marks on it. It’s the most sacred stone worshipped by the Vaishnavas. It is discovered on the bank of River Gandaki (which is a Himalayan stream, celebrated since history as Narayani, Saligrami and Hiranyavati) in Nepal. There is a lake at the supply of the Kali Gandaki, called Damodar Kunda, (a place of pilgrimage) at Nepal. The lower Gandaki is effectively generally known as Mukti Natha Kshetra or Shaligrama Kshetra. The sacred stones are largely found on the banks of Kali Gandaki .

Gandakyas chaiva deshe cha shaligrama sthalam mahat prasanna tad bhavam yat tat shaligramam iti smartam.

For scientists, the Shaligrams are traditionally vital Nautlus (Mollusc) Ammonite Fossils, evolutionary relics embedded with the imprint of pre-historic marine creatures. For collectors, the Shaligrams are geological marvels carved with mathematically exact spirals and remarkably clear geometric varieties like Chakra, Shanka, Gada and Padma, that date again to four hundred million years. For the spiritually inclined, the Shaligrams are revered divine vitality instruments imbibed with energy that are very sacred and deeply linked to the nice protector of the cosmos Lord Vishnu.

Lord Vishnu, assumed this way, to repent for some his deeds, which had been committed to guard the world from the demons. Shaligram is obtainable in various configurations and dimensions with chakra photographs imprinted on it. Physically, these imprints are a results of insect bites on the stone, however they’ve a large amount of cosmic energy stored in them. Shaligrams are additionally used as a kasauti or device for testing the purity of gold.

Shaligram, an abstract type of Lord Vishnu is worshipped as manifestations of Lord Vishnu Themself, identifiable from different stones by special markings, believed to resemble Vishnu’s paraphernalia similar to gada, shankha, lotus and chakra.

Lord Vishnu’s earthly incarnations or avatars were in the form of Matsya, Kurma, Varaha, Narasimha, Vaamana, Parshurama, Rama, Krishna, Buddha and Kalki. Shaligrams are present in these variants additionally with imprints of the Shankha, Chakra, Gada and Padma. Of these, Narasimha, Varaha and Vaamana are popular forms of worship. They’re both black, red, or mixed in colour and are often saved closed in a field and are only brought out for daily worship. A lot of the Shaligrams are passed down by various generations.

The largest and heaviest shaligrama can be seen on the Jagannath Temple, dedicated to Lord Vishnu, at Puri in Orissa. The principle ISKCON temple in Scotland, referred to as Karuna Bhavan has the most important number of Shaligram Shilas outdoors India.

Divyayogashop supply leading shaligram which is benefecial for lord vishnu puja, wealth and success.See details- shaligram shop and mantra encyclopedia.

Dollar General Plans To Gear Up New Store Opening And Spending On Labor In Fy15

The former largest US discount retailer, Dollar General Corp. (NYSE: DG), plans to gear up spending on labor in fiscal year 2015 (FY15) and opening new retail stores, after being unsuccessful in toppling the merger deal between Dollar Tree, Inc. and Family Dollar Stores, Inc.

The retailer wants to improve the quality of its 11,800 retail stores by increasing the working hours of its employees. It opened 700 retail stores last year and plans to open 730 more this year, which shows a total square footage growth of 6%. For 2016, the retailer wants to increase the growth by 7%.

The Tennessee-based discount store said that its capital expenditure for FY15 will be in between $500-550 million. However, lower-than-expected guidance for 1QFY15 led to shares of Dollar General trading slight lower, than its closing on Thursday, in early trading today.

It expects earnings per share (EPS) in the range of $3.85-3.95, which is lower than the Streets forecast of $3.99 EPS.

Low-Wage Labor Market Shrinking

Dollar General expects a shrinking low-wage labor market, following Wal-Mart Stores, Inc. announcement last month to increase the hourly wage rate for its employees. The retailer has taken initiatives to improve the efficiency of work at its retail stores and plans to enhance its new labor plan in 2015.

The announcement by Wal-Mart has spurred companies likes TJX Companies Inc., and Marshalls and HomeGood to push up the hourly wage rates. In February, TJX announced its plans to increase wage rates as much as Wal-Mart did. However, there are companies like Target Corporation that believe maintaining a wage rate as high as Wal-Marts isnt wise.

In terms of what were paying, we feel pretty comfortable, Dollar General CEO Richard Dreiling said in a statement. Were going to continue to monitor the landscape and well assess or make any adjustments that we need to make.

Mr. Dreiling also said that full-time workers receive more wages compared to the federal minimum wage per hour of $7.25. Part-time workers get $7.25 per hour for the first five months, whose wages are increased to $9 per share from the sixth month.

4QFY14 Results

Dollar General posted net earnings of $335.4 million ($1.17 per share) in 4QFY14, compared to $322.2 ($1.01 per share) in 4QFY14. Net revenues jumped 9.9% year-on-year to $4.94 billion. The Street expected EPS of $1.17 with $4.95 revenue.

Same-store revenue of the retailer climbed 4.9% YoY during the quarter, which is in-line with analyst estimates at the research firm, Consensus Metrix.

About Investment Banking and Why You Should Seek Expert Help For It

Investment banking is a widely accepted phenomenon presently, the major reason being expert advice provided at every step you need to take. Financial giants take the responsibility of making sure your money grows avoiding the risk of down fall. Today every person at some point or the other thinks about investing some amount of money in the stock market. A major worry of all these people is the uncertainty; investment banking beats these blues and offers best possible investment advice to its customers.

A major chunk of people involved in investment banking do not have the time to keep an eye on the ever changing markets and track their returns. In such cases arises the need for investment banking services. These companies do all the hard work of market research and analysis and advice investors on where to put their money for maximum returns. This also depends upon the amount of money the person is willing to investment.

There are many sectors in which investment banking is being carried out, few of them include retail healthcare, insurance and automobiles. Another emerging trend in this banking is that of equity investments. Equity investment banking is based on the dividends of the existing shares an individual holds. There are expert advisors who guide the movement of funds here as well so that there are no last moment disappointing surprises.

When it comes to investing money not all have the perfect knack hence it is always good to seek help of an expert investment banking company or equity investment banking services. Money after all is a crucial issue and you would always want to see it grow systematically. Another advantage of investment experts is they help you understand the market well. You get to know where your money is going and the reason behind it too. These services do come with at some extra cost but are sure to give you peaceful night sleeps and not make check the stock market prices every now and then. Let the experts do their job so that you can relax and reap the benefits.

Choosing the right financial advisor is also important in such cases. Also reading the fine print before finalizing anything is advised as there are many terms and conditions that come along with investment banking. You can take reviews of family members, friends, colleagues etc in deciding which and choose. There are numerous financial institutions and each one of them is offering investment banking services due to its rising demand.

Bank Of America Loan Modification — A Simple Five Steps To Approval!

Have you been worried or even just concerned about meeting a high monthly mortgage payment? Perhaps you have been pondering negotiating for a better deal, such as a Bank of America loan modification period. This nationwide lending bank is now offering loan workarounds to some of its borrowers. You can improve your chances of getting the loan modification deal. If you meet certain approval requirements, you can lower your mortgage payment. Before you apply, you need to know about these Five Steps to Approval.

1.Study the Bank of America loan modification approval guidelines. To qualify for a loan workaround program, you must meet specific disposable income and debt to income ratios.

2.Collect all necessary documentation for the bank. A bank officer will review your documents to decide whether you qualify for a Bank of America loan modification. Be sure that you have everything before you apply, in order to avoid any possibility of delay or even denial of your application.

3.A Hardship Letter is an essential part of your document package. You must present convincing, compelling evidence that you have experienced or will suffer from a financial hardship due to your current mortgage payment. There are three essential elements in a Hardship Letter — be sure that you know what they are.

4.Take time to prepare, accurately and properly, the Bank of America loan modification application forms. Everything you state is subject to verification, and so you must include all important information, truthfully, to ensure that your loan workaround is given the maximum possible consideration for approval.

5.Be persistent. Eight weeks is not uncommon for processing time of your Bank of America loan modification application. So be patient as well! Even if you are declined the first time, do not give up. Many homeowners were able to get an initial rejection of their application overturned by being diligent, tenacious, focused, and persistent in their pursuit of an affordable mortgage. Your home is at stake, and a successful application allows you to keep your home.

By studying the guidelines; being diligent, complete and truthful in your application; and persisting in your qualification process, a Bank of America loan modification may well be yours. Take the time and invest the energy in doing the application properly, by understanding the bank’s approval guidelines. Ask any necessary questions for proper completion of the paperwork. Get the help you need and keep your home, as homeowners across the country continue to do. You too can do it!

Growing as an Entrepreneur – Position Yourself as an Entrepreneur

One of the steps you will need to learn as you are growing as an entrepreneur is how to position yourself as an entrepreneur. While this may not seem all that difficult to accomplish, without the proper attitude it can become a bit of a challenge.

To position oneself as an entrepreneur is as much a matter of mental attitude as anything else. It is about thinking and acting like an entrepreneur. Some would say that you have to eat, breathe, and sleep your business. While this may seem a little over the top, if you are serious about your success it’s not far from the truth.

In many instances the difference between success and failure comes down to the person’s willingness to do whatever it takes to be successful. That means that you need not only focus on promoting your business, but also in positioning yourself as the leader of that business.

You need to remember that in the early stages of a business you and your business are the same thing. The people around you will not think of your businesses without thinking of you as well. The pitfall of that attitude is that some new business owners will promote their business during business hours, and then they try to separate themselves from the business when they leave the workplace.

When you position yourself as an entrepreneur you are approaching the situation with the understanding that a business owner I who and what you are. There is not a real separation when you leave the office; you and your business are still the same.

Successful business people find themselves setting goals for their business, dreaming about their business, working through issues with the business, and even promoting their business at all hours of the day. Leaving the office just means that they are changing locations, but they are still working on their business. They don’t mind doing it because it is a passion and they love what they are doing.

You have to understand that when you take on a new client for your business, they are coming not only because of the products and services that your company offers; they are coming because of what you as the owner of the business are offering. If they do not believe you are committed to what you are doing, they will not have the confidence in your business that is necessary. If they believe in you, they will buy into what you are selling.

If you are truly serious about being successful with your business you will need to learn how to position yourself as an entrepreneur. You need to break free of the mindset of acting like an employee and only working on your business during working hours. You need to learn to promote yourself along with your business. After all, in the beginning stages, you are all that will keep that business alive.

Growing AS An Entrepreneur

All About Online Shopping

What is online shopping?
Online shopping is the process consumers go through to purchase products on internet. There are number of online shopping store and online shopping malls, eshop, e-store, internet stop, web shop, are available over internet which gives option to buy or purchase products of your own choice.
Online shopping is nothing but electronics commerce (e-commerce) used for business-to-business (B2B) or Business-to-Consumer transactions or it relates to variety of business dealing conducted online.

Why is online shopping important?
Online shopping is important because it offers buyers convenience that has never been achievable.
1)Options: For every product you can get number of vendors at one place. For example: if you want to buy mobile phones then you will get different mobile venders like Nokia, Motorola, lg, Samsung mobile phones are available at one shop.
Shoppers are provided with an abundance of merchant sites where almost any goods on earth can be bought. Consumers can also compare prices from a variety of different retailers with greater ease, compared to them physically going to shop in a built shopping centre to check prices.
2)Available 24*7: The technology that is now available allows customers to shop on the internet 24 hours a day and seven days a week without having to leave their homes or offices
3)Fast Service: Most of the online shopping websites delivers product with 3 working days. The best thing is there is no shipping cost included in the Cost price of the product.
4)Price and Selection: One advantage of shopping online is being able to quickly seek out deals for items or services with many different vendors. Shoppers find a greater selection online in certain market segments (for example, computers and consumer electronics) and in some cases lower prices.
5)Product Cost: Compared to normal shopping stores the products are available at cheaper then them.
6)Comparison: On internet you can compare pricing of product from one brand with other. So, there is option to buy product cheaper with better quality.
7)Easy Mode of Payment: There are very easy way / mode of payment. Credit cards are most preferable. But some online shopping vendors like cafegadgets.in, crazypricing.in gives option to their customer to purchase products on Emi or draft, Cheque are also acceptable by other online shopping. Means all facilities are given to customers and you dont have to carry cash all the time.

Stores for Online Shopping in India
1)ebay
2)Cafegadgets.in
3)Crazypricing.in
4)Gadgets guru and many more

Singapore Business Registration Guide for Foreign Entrepreneurs

A person with his own business enjoys more financial independence and greater control on his financial status. But to succeed in any venture, it is important for anyone to visualize first his goals, business structure to follow, and other related details before proceeding to his business. Three Basic Types of Business Entities

The first thing an entrepreneur should decide is what type of business entity he wants to adopt before he starts the application for Singapore business registration.

Is it sole proprietorship in which he would be the only owner and will enjoy full control? Is it partnership in which he can have up to 20 business partners which means more funding? Or is it private limited company (or corporation) in which his business will enjoy perpetual existence while his personal assets are protected from the debts and losses of his company?

Every business entity has its own pros and cons which must be greatly considered. However, most experts agree that a private limited company is the most ideal for entrepreneurs with a long-term goal for their business as this setup will allow them to enjoy protection of asset, attractive corporate incentives, and other benefits.

The Products and Services

Bonafide entrepreneurs have always associated their products and services to their target-market so they can estimate the amount of capital they will need, equipment and materials to be purchased, and the level of quality they should offer.

Meanwhile, these questions can guide budding entrepreneurs on deciding on what products or services they should offer: What are my niche skills and interests that can generate profit? What is the estimated profit of my product? Can it be easily sold? It is easy to produce? Does it have an existing target-market?

Competitive and Market Analysis

One of the most important things any entrepreneurs should do is examine the business environment which includes the existing competition, different types of consumers, media, social norms, and other factors which can have a direct and indirect impact on their business.

When conducting competitive analysis, most experts agree that these four factors should be the main focus of entrepreneurs: who are the direct and indirect competitors, the specific market of competitors, the number of years they have been operating, and how do they attract their target-market.

Operations of a Business

Operations usually include the location, how many employees a certain business will need, the equipment, machinery, suppliers, materials, ways to track inventory and sales, and other related-issues.

Loan Modification Process – A Waiting Game

Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.

Buy Extenze In Stores

There are a lot of online stores that sell extenze, but there are affordable online stores where you will get added benefits for purchasing extenze. The add benefits consist of:

1. Cheaper price
2. Quality product
3. Full refund, in case you are not satisfied with its result.

One of the online stores for the purchase of extenze is Buyextenze store. The reason why it is taken as the highly rated store for persons who want to buy extenze is because of the benefits it offers to their customers. Some of them are namely:

1. It is the only store where you can get the lowest price of this male enhancer supplement. Buyextenze store sells at an affordable price. It is important to avoid online stores that offer free trials of extenze. The reason is because you will be put on automatic refill for many months. They can even make it hard for you to cancel your subscription. This is not the case with buyextenze. It is a pay-as-you-go site. You will receive the original product when you place your order and you will not be added to any automatic refill program.

2. Money-back guarantee: buyextenze offers a 67 day money back guarantee. This implies that you can use the product for sixty days, and if you are not satisfied within sixty days, you have the option of returning the unused bottle and you will get your full refund. The 7 days period is for the shipping period.

3. The third reason that makes buying from buyextenze store a good choice is the payment options available. You can buy the product by ordering through online, phone, fax, or even mail.

How To Open A Kids Store Online With A Free Startup Kit

I assume that you have a real passion for children and you want to take that passion further and you are just exploring some opportunities to open a kids store online. This is about home based kids business opportunities that enable you to start your own online kids supply store.

As with any business, if you want to devote a lot of your time to your online kids supply store, you can do really well. If you devote less time you can do it as a part time venture. It’s up to you.

If you decided to open a kids store online, you would have access to over 70 million homes and part of the billions that are spent on kids products online every year. You can grab as little or as much as that fortune that you desire. It’s within you to make it happen.

When you open your online kids store, you will instantly get a free kit that includes your own kids supply store that has an up and running inventory hosting many different types of popular kids products, free and instant set up and activation, free consultation in marketing, reports on cash flow/finances and guides on marketing and business start up.

Once you sign up to open a kids store online, you will get everything that you need to run profitable online kids shop business that makes money for you 24 hours a day, even when you are asleep, at work or on holiday. You will receive a marketing guide that explains how to get visitors to your online store. There are many ways to get tons of targeted traffic that you can check out after you have your online kids supply store up and running. You will have no employees to worry about either.

As for the inventory and shipping, that is all taken care of so you don’t have to worry about that aspect of your online kids store.

Starting any business IS hard work to begin with. The beauty of it is that you are more likely to succeed when you open a kids store online because you have a genuine passion for kids and that will become evident as you start to make more and more money online. The rewards can be truly great.