1 Carat Round Certified Diamond Solitaire Ring in 14K White Gold - 5-1/2

Whether given as an engagement ring or anniversary gift, the 1 Carat Round Certified Diamond Solitaire Ring in 14K White Gold is a shimmering celebration of love. The magnificent diamond features brilliant I-J color and I2 clarity and is displayed in an elegant 6-prong white gold setting. The 14K white gold band lends a timeless grace to this irresistible ring. Available on Target.com; not available in Target stores. Made in USA.

There are thousands of online dating sites on the Internet - and I've joined many of them myself - but I've had my best results with free online dating services where the only investment is my imagination.

There are many other advantages to free online dating sites too. For one thing, you can target your audience in single cities - or even in neighborhoods - and getting your ads online can be accomplished in less than 10 minutes!

Take Craigs List for example. This is a bulletin board service which allows free posts in hundreds of cities throughout the world. And because Craigs List has virtually no limit on the number of words in your ads, you can truly get creative and write up a storm - and literally dazzle your audience line by line.

That's exactly what I've done myself. I've been meeting women online for more than 15 years and I've placed hundreds of ads worldwide. But I always come back to the Bulletin Board ads for their convenience, flexibility, and almost immediate gratification.

Here are some observations - and online dating tips - when using free internet dating strategies like mine.

My Advice For Women

Ladies, there are thousands of "professionals" using free online dating services too. So you'll want to distinguish your ads from those with more commercial interests at heart. My advice to you is to include sufficient detail in your ads so the guys make no mistake about their knowing you're for real.

Some of the dead giveaways of a "professional" type ad is that they're generally rather short (five sentences for example) and they often sound too much like a "formula." For example:

Good stuff.. - 22

"I moved into this new neighborhood recently...been really bored. I want to meet some new guys. I am sick of flings. I am sick of getting my heart broken. My ex-boyfriend was a jerk and I just want to meet nice guy. I'm crossing my fingers that this new experience online will work out. I am loving person and just want to meet 'Mr. Right' if there is such a thing."

The first thing you'll notice about the ad above are the grammatical errors. This by itself isn't necessarily a red flag, but when you combine this with the lack of detail and originality - with no reference whatsoever to anything that would tie the author to this city - what starts to crystallize is the possibility that whomever submitted this ad isn't necessarily looking for a relationship!

So my first suggestion is to let go of the stereotypical five-sentence Online Personal Ad - and instead write more from the heart - including details which clearly communicate that you're a real person!

When writing ads to meet men, provide enough detail to show a man that you've got a variety of interests - but don't write in a demanding way, listing dozens of qualifications he must have before dropping you a line. That practice, which I've seen often enough, is a real turn-off to the guys. You don't want to give men the impression that you're conducting interviews for a job - unless you don't care if many of the higher caliber men simply click off your ad and search for a warmer climate down the page.

My Advice for Men

Hey guys, listen up! Everyone knows that men want sex - so what else is new? But there's no reason to broadcast this in your ads! Keep the language "poetic" if you catch my drift here. Women generally aren't as blunt as guys are, especially in writing or responding to ads. But this doesn't make women frigid. Talk in metaphors; use colorful imaginative language. Or better yet, make only a fleeting reference to sex in your ads - and do so in one sentence that you combine with something more emotional too.

Here's an example of what NOT to do:

boys just want to have fun - 27

"so just thought i would see if there are any fun loving girls out there who are down to gettin to know a good clean drama free guy.... looking to meet up every now and than for a nice hot passionate session..."

This dude gets right to the point, doesn't he.

When it comes to online dating, don't let your hormones get the better of you guys! Women want loving just like we do, but generally they're not as blatant about it, that's all.

Instead, write about your interests outside of the bedroom. Charm your readers with your accomplishments... mention books you like to read... or include something funny. Women love it when a guy can make her laugh! So if you can be that guy, you'll score more points than the writer above, any day.

My Advice to Everyone

An imaginative, original ad is your fastest road to success with Online Dating. Some of my quirkiest ads have given me my best results (i.e., the greatest number of replies). Create a unique "persona" for yourself in each ad and you'll not only have your readers laughing, you'll get some really appreciate comments too. Isn't that what the syndicated comics do? And think about how many people are reading them - week after week!

About the author --

Jay Reiss, M.S.W. is a Professional Online Dating Coach and has worked with more than two thousand clients worldwide since 1981. He's the author of five books on marketing and has written more than five thousand advertisements - many of which have been used for Online Dating. He's a regular contributor to a variety of publications and has been published in Woman's Own, Let's Live, Cosmopolitan, The Los Angeles Times, and many others. Jay infuses his Online Dating Ads with creativity, humor, and solid, proven marketing principles. Jay is a Certified Life Coach, based in Santa Barbara California.

Want to meet sexy women online? Or fascinating men? Take advantage of my amazing Special Offer for new clients - get three FREE Online Personal Ads PLUS a FREE Online Dating Profile when you sign up for my Online Dating Coaching Program today! To get all of the exciting details, call (805) 964-6574 or visit my website today at http://www.online-dating-coach.com

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0.74 ct. F - SI3 EGL Certified Round Brilliant Cut Diamond Solitaire Ring

A single diamond solitaire ring will always be adored for its classic and elegant beauty. This 0.74 ct. sparkling round brilliant cut diamond is masterfully prong set in a well crafted Gold ring. Available in yellow and white gold, please email or contact us. The diamond is certified so it comes with a Certificate of Authenticity to guarantee the natural purity of the diamond

Sound general quarters ordered Captain Rockwell Torrey played by John Wayne in Otto Premingers classic World War II movie In Harms Way. The movie depicts the sneak attack on Pearl Harbor by Japan.

Captain Torrey gave the order to sound general quarters when it was reported to him that a formation of airplanes was north of the island of Oahu in Hawaii and another formation of airplanes was off diamond head. Captain Torrey perceived such formations to be a possible threat. He emphasized that it was not a drill and that all men on board were to go to their battle stations. A call to general quarters is a signal to the crew on a navy war ship to prepare for battle.

Prepare for Spiritual Battle

When a call to general quarters sounds, all members of the ships crew, including off duty or sleeping crew members, must drop whatever they are doing and report immediately to their assigned stations and prepare for action. Security is increased in sensitive areas such as the bridge and engineering rooms. The main goal is to be prepared for whatever danger the ship and its crew may encounter. The purpose of this article is to show how we Christians must be vigilant in being prepared for our spiritual battle with our enemy Satan the devil.

Sound the Alarm

Just as the captain of a naval war ship gives an order to sound general quarters as an alarm when a possible battle is imminent, God gave instructions to Judah through the prophet Joel to sound an alarm before the day of the LORD. Christians are spiritual Jews (Romans 2:28-29) and we can learn from what is written in the prophets.

Joel 2:1

"1Blow ye the trumpet in Zion, and sound an alarm in my holy mountain: let all the inhabitants of the land tremble: for the day of the LORD cometh, for it is nigh at hand" (KJV)

The priests had the duty to sound the trumpet (Numbers 10:8). The trumpet served as an alarm to the people to come together to seek God. It is the duty of Gods ministers and teachers to warn about the consequences of sin and to call for repentance. What does God instruct the people to do when they hear the alarm?

Joel 2:12-14

"12Therefore also now, saith the LORD, turn ye even to me with all your heart, and with fasting, and with weeping, and with mourning: 13And rend your heart, and not your garments, and turn unto the LORD your God: for he is gracious and merciful, slow to anger, and of great kindness, and repenteth him of the evil. 14Who knoweth if he will return and repent, and leave a blessing behind him; even a meat offering and a drink offering unto the LORD your God?" (KJV)

God will relent from inflicting punishment if we repent and turn to God with all our hearts. The fasting, weeping, and mourning indicate the depth of sorrow for sin. If we turn to God and resist Satan, he will flee from us as shown in James 4:7-8

James 4:7-8

"7Submit yourselves therefore to God. Resist the devil, and he will flee from you. 8Draw nigh to God, and he will draw nigh to you. Cleanse your hands, ye sinners; and purify your hearts, ye double minded." (KJV)

Sneak Attacks from Satan

Our enemy, Satan the devil goes about as a roaring lion seeking whom he may devour (I Peter 5:8). Satan plans sneak attacks on us individually and collectively when we least expect it just as the Japanese navy attacked Pearl Harbor on December 7, 1941, the day that President Franklin Roosevelt said would live in infamy. If we resist Satan by drawing near to God, Satan will flee from us as shown above in James 4:7.

However, he will look for a time when we are weak to return and tempt us again just as he came back to tempt Christ again after he had defeated Satan with the word of God (Luke 4:13). Therefore, we always have to be watchful so that our enemy does not sneak up on us.

Conclusion

Just as the call to general quarters as depicted in the movie In Harms Way was not a drill, neither is this life. We are engaged in a real battle with our enemy Satan the devil. We must resist him. We must carry out the mission that Jesus Christ the captain of our salvation has given us.

If we have been sleeping or if we have taken ourselves off duty, it is time to hear the call to general quarters, wake up spiritually, and report to our assignment. Every Christian must fight the temptations of Satan the Devil. We should report to our battle stations and be ready always to defeat Satan. We should seek God's help in fighting our spiritual battles. If we seek God through repentance and prayer, he will give us the spiritual strength we need to defeat Satan. That is good news.

To learn more about the importance of prayer in defeating Satan the devil, please see the article The Privilege and Power of Prayer," which was published in the January/February 2006 issue of the Good News magazine.

Alan D. Campbell lives in Brandon, Florida. For more good news, please request your free subscription to the Good News magazine.

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1 Carat Round Certified Diamond Solitaire Ring in 14K White Gold - 10

Whether given as an engagement ring or anniversary gift, the 1 Carat Round Certified Diamond Solitaire Ring in 14K White Gold is a shimmering celebration of love. The magnificent diamond features brilliant I-J color and I2 clarity and is displayed in an elegant 6-prong white gold setting. The 14K white gold band lends a timeless grace to this irresistible ring. Available on Target.com; not available in Target stores. Made in USA.

We all have access to a free, bright and renewable source of light - the sun. Agreat way to utilize it after dark is with solar lights. Solar lights have come a long way in the last few years and offer a wide array of styles, shapes and materials. They are powered by rechargeable batteries and can light up an area for the entire night. The lights are powered by light emitting diodes (LEDS) which rival hard-wired lights. They are very durable and can last for up to 1,000 hours.

Solar light have several advantage over hard-wired lights some of which

Require no wiring

Powered by the sun

Fast and easy to install

Energy saving

Recharged by solar panels under sunlight

Light turns on automatically when dark

Super bright LED for brighter light output

Rechargeable Ni-Cd AA battery which are included

Safe water resistant

CE certified

LED bulb never burns out

Up to 10 hours of light when dark

Corrosion resistant

LEDs can last up to 100,000 hours

Batteries are rechargeable and should last for approximately 2 years before replacing

href="http://www.solarlightspro.net" rel="nofollow">Solar Lights are totally free standing, simply fit the light components together, press the spike into the ground or screw on to the wall mounting, it's that simple! Add them along pathways or set them up as spotlights. Add some unique lights and be the talk of the neighborhood.

There may be even more advantage to solar lighting based on your application. They do offer a real alternative to hard-wired lighting and are real versatile.They allow you the option to spending time outdoors after dark and allow you to light up any areas you may want. href="http://www.solarlightspro.net" rel="nofollow">Solar lighting is a very versatile way to light up your yard.

To check out some real cool solar lights see http://www.solarlightspro.net

Jerome Sturgeleski started a website in May of 2005 when he decided to share his passion for enjoying his yard after hours. He thought that if his newly renovated landscaping project could be lighted after dark it would be enjoyable even in evening hours. He started small and is now offering many different types of solar lighting that would fit in in any number of applications.

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Certified Diamond (Princess, Very Good cut, .73 carats, E color, VS1 clarity)

Many business people get stuck in the networking situation of being cornered by people who talk and talk and talk about themselves. Those people also take a hard sell approach, working diligently to convince you to buy from them even if what they are selling is nothing you want or need. It would seem that there is no way out of the situation. You are doomed to being bored until this person moves on to their next victim.

A good friend is an accomplished networker, knowing that really its all about the person he meets. Realizing that his job is to find out as much as he can about new acquaintances, David uses a uniform set of questions to gain important information. He says, Using this method makes networking very easy because I dont have to do much talking, but instead ask a few questions and then listen and take notes. What I hadnt considered was that I could use this formula to actually stop the boring people in their tracks. Even though Im asking them to talk about themselvessomething they do very well, I am controlling what they talk about with the types of questions I ask.

He continues, Recently, I found myself in one of those situations where I was cornered not by one person but by two. I was being tag-teamed.. I could have just sat there and gritted my teeth, but I began directing the conversation by asking questions about the two offenders. One great question I use is, What sort of goals do you have for your company or your career in the next year or so? Before long, they forgot that they were trying to sell me something and instead relaxed and began asking questions back to me. I had neutralized their attack! Im sure they have no idea what happened that day, but I do. Actually, I found both to be very interesting people; people who probably had been given some very bad sales training.

This young businessman is teaching us a several lessons. We all know that the hard sell approach doesnt work when someone is using it on us. We must be sure to never use it on someone else. The second enlightenment is that by asking well chosen questions about the bore will re-direct the conversation, giving you some control, where previously you felt you had none. It makes networking a lot more fun.

Debby Peters is the owner and Director of Training of The Certified Networker Program of Ohio, Ltd., (http://www.cnpofohio.com) a 24 hour referral based training that is evolving a community of profitable referral partners. She is also posts to the blog http://www.cnpofohio.blogspot.com

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EGL CERTIFIED SI QLTY 1.44CTTW DIAMOND ENGAGEMENT RING

E.G.L. Certified and Laser Inscribed 1.44 Carat Total Weight Diamond Engagement Ring in 14 Karat White Gold Please note that this ring is graded and certified by E.G.L (Los Angeles office). EGL is the top independent and recognized Gemological Lab in the world, and as a result one can get an accurate and unbiased grading and value of a piece of jewelry. For further information on EGL please visit their website at www.EGLUSA.com Further note that the diamond in this ring is Laser engraved, the certificate number is inscribed on the girdle of the Diamond. The number can be viewed using a 30x jeweler's loupe. EGL Certificate Number: 75898435D Center Diamond: Size: 0.75 Carat Cut: Round Brilliant Cut with beautiful sparkle and fire Color: L-M, Faint Yellow Hue. Clarity: SI3, near eye clean with minor eye visible inclusions. Side Stones: 44-Piece Baguette Cut Diamonds total weight of 0.69 Carat, H-I in color and VS2/SI1 in clarity. Ring: Pure 14 Karat White Gold 8.00 Grams 3/4 x 3/8 inches approximate top dimension Finger size 6 (can be resized by a local jeweler) Retail Value (printed on the certificate): $4442 100% Money Back Guarantee Includes EGL Certificate which is shown in the picture and a ring box and Includes Free Shipping

The woman you love deserves the very best. After all, you want to show her your love and your commitment to it. There is no better way to do this that buying the perfect engagement ring for her. She will know how you truly feel once she sees her perfect ring, encrusted with princess cut diamonds, out of all those diamond wedding rings to choose from.

There are so many princess cut diamond engagement rings to choose from. Just deciding where to best start is a difficult choice for any diamond jewelry. Diamond wedding rings are a symbol of love and commitment.

Some men prefer to surprise their loved one with diamond jewelry just as they pop the question during that momentous proposal. Others couples like to visit diamond jewelers for their princess cut diamond engagement rings together. Whatever your scenario may be case, you better put a lot of thought and effort into finding the perfect engagement ring.

The certified diamonds of princess cut diamond engagement rings are cut with a singular purpose and that is the way the diamond lets light into it. You'll find that diamonds must be cut a certain way in order for the most light to pass through it. How else do you expect it to sparkle and shine?

Try to learn about the rating system for certified diamonds. The princess cut diamonds of an engagement ring should be considered before anything else. There are four areas to look for in a good diamond. These are the cut, clarity, color and carat of the diamonds.

If quality is your number one consideration, which it better be, never go below a certain rating point, or else suffer from buyer's remorse with a cloudy diamond.

When considering an engagement ring, choose one with a colorless diamond. Don't forget about matching the diamond cut styling, either, to the wedding band which is also a huge issue.

When the cut of princess cut diamond engagement ring is considered, it indicates the number of angles in the diamond including its proportions. The cut gives gleam to it. The shine of the diamond is dependent on how many cuts are in it and also, more cuts, the more costly it becomes. A diamond jeweler can help you with any questions about the cut.

No matter which of the diamond wedding rings you choose, your engagement ring will always be the ultimate symbol of your love and commitment, along with being the beginning of your relationship moving to the next level.

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1 Carat Marquise Certified Diamond Solitaire Ring in 14K White Gold - 8-1/2

This magnificent 1 Carat Marquise Certified Diamond Solitaire Ring in 14K White Gold sparkles with a rare and irresistible splendor. Dazzling I-J color and I2 clarity allow this marvelous IGI-certified marquise to shine from its 6-prong white gold setting. An elegant 14K white gold band is the perfect complement to this multifaceted gemstone. Available on Target.com; not available in Target stores. Made in USA.

It was in 1848, that James W. Marshall first found traces of gold in the water of the American River while building a sawmill for Captain John Sutter. He bit the metal and tested it in many ways and confirmed that it was indeed gold. He tried to keep it a secret, but word spread quickly, triggering the California Gold Rush of 1849.

It is hard to believe, but gold is a very rare substance consisting of only five ten-millionths of the Earths outer layer. Gold is a metal, a good conductor of heat and electricity, and is solid at room temperature. It is a malleable and ductile element, making it very useful for use in jewelry and electronics. As gold is soft, it is also used for filling cavities in teeth and as gold teeth. It is beaten into sheets less than one-tenth of a millimeter thick for use in lettering on honor rolls in school or for putting gold in picture frames and ornaments. Comparing its weight with water, it is over nineteen times heavier than water and twice as heavy as lead. Gold is a metal that doesnt tarnish or corrode and is found in nature as pure gold; there is no need for smelting or refining gold from its ore for its usage.

As gold is very reflective, it is used to protect spacecraft and satellites from solar radiation and in industrial and medical lasers for focusing light energy. The purity of gold is measured using the term carat, which is based on a total of twenty-four parts. Pure gold is known as twenty-four-carat gold, while eighteen-carat gold has eighteen parts gold, and the other six parts are of another metal like silver and copper.

Gold is bought and sold practically every day in the world in the form of gold bars, gold coins, and gold jewelry. The gold price is fluctuates greatly and changes according to the demands of the buyers. The gold price is always listed with different prices on the newspaper, as different markets of the world have different prices.

Gold provides detailed information on Gold, Gold Coins, Gold Teeth, Gold Prices and more. Gold is affiliated with Sell Gold Coins.

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Certified Diamond (Round, Very Good cut, 0.66 carats, E color, IF clarity)

The traffic light turned yellow and my dad eased off the accelerator to let the big blue Oldsmobile super 88 coast to a smooth stop. It was a glorious Sunday morning in the fall of 1957; I was ten years old and thought he knew everything anyone could know. A transplant, from the rural south, he was drawn to Detroit after hearing Henry Ford was paying all workers equal pay for equal work. Mr. Ford kept his word and precipitated one of the largest migrations of population in U.S history. The descendant children of the nation's former slaves relocated to Detroit and other big cities of the northern United States to work in the auto industry.

Our nation freed its slaves in 1863 but without money, education or training most were forced to return to their former owners as sharecroppers. The sharecroppers were required to work the land and exist on whatever meager compensation the former slave owners wished to give. They lived on the land in impoverished conditions and because they had been sold like cattle, for hundreds of years, a great number did not know where or who their parents, brothers and sisters were. Children had been routinely sold away from their parents and most, old enough to work when freedom came, had no survival skills. Those, young and old, who would not return to their former slave owners, pillaged the land and stole to eat and feed the very young.

By the time my dad was born, in 1902, some family ties had been reestablished but the identity of blood relatives prior to 1863 was lost forever. Some black historians and educators have been able to locate bills of sale and other artifacts that sufficiently described slaves for their blood relatives to be identified today. But for most slave descendants, these blood relationships can only be discovered through DNA testing.

Dad was a sharecropper on the land of the family who had owned his father when news of Henry Ford's promise came to him; he made the decision to come to Detroit. The first place my parents lived in Michigan was a little four room house on Beaubien Street. Dad worked hard and was very proud to be a citizen of Detroit. On our Sunday morning drives, to church, he would always point out the Ford plant at Piquette and Woodward saying the first model T came off the assembly line there and that Detroit had the first traffic light in the nation. Dad loved Boston Coolers, made with vanilla ice cream and ginger ale. He claimed the drink was named after Detroit's Boston Boulevard, not the city in Massachusetts.

The city of Detroit has a rich history and should be proud of the way it helped change the living standards, hopes and aspirations for education, of a disenfranchised people.

Over the past 40 years the city has fallen on tough economic times as a result of a shift of its tax base to the suburbs, corporate reduction in its manufacturing base and competition with a global economy. However, the economic pain is intensified by the city's lack of effective leadership. The city's mayor, Kwame Kilpatrick is facing trial for lying under oath in a whistle blowers law suit. He is implicated in numerous scandals involving bid rigging, police misconduct, perjury, adultery and the suspicious murders of not one, but two strippers. The only thing he has not been accused of, yet, is betraying Christ. Judas still holds that distinction.

Detroit's City Council President Pro-Tem Monica Conyers had to be physically restrained at a city pension board meeting after she threatened to get a gun and shoot an aide to Mayor Kilpatrick. According to published reports, in the Detroit News and Free Press, Mrs. Conyers has been questioned by police in the past. Most notably, she started a bar fight by punching another woman in the eye and she pulled a gun and threatened to shoot her 10 year old son. She has had many vocal outbursts in open council meetings, once calling council President Kenneth Cockrel, Jr. "Shrek" after saying he was disrespectful to her. Also, in a recent development an aide to Cockrel resigned after being caught on tape, by the F.B.I, accepting a bribe.

Based on the behavior of these public officials and the level of paralysis in Detroit city government one must conclude effective leadership is absent in the city's halls of government. How do we know they are not effective leaders? We know they are not effective leaders because effective leaders are always moving on a positive path. Effective leaders are good listeners who seek to understand then to be understood. They tell the truth and keep their promises. They speak plainly and instinctively simplify big ideas. They understand and are able to articulate the feelings of their audience and begin many of their sentences with the pronoun "We".

True leaders are specific in their statements, even using stories and anecdotes to explain more clearly what they are communicating. Real leaders are aware of not only the tone of their verbal communication but of non-verbal communication like gestures, posture, facial expressions, energy, tone of voice, and a thousand other tiny, unspoken elements which actually carry the true and specific meaning of any communication. (Michael Landrum, toastmasters.org)

Effective leadership is able to communicate complex ideas that listeners can follow. True leaders have a knack for sharing the form of their thoughts as well as the content. They don't demand, as Monica Conyers did, but command respect. They always speak in strong, crisp, clear tones that vary in texture, color and range. The concerns and interests of the audience are always foremost in their minds. Great leadership is hopeful and seeks the higher self in all of us. Effective leaders have a courageous, positive, optimistic view but are humble; realizing that having an opinion is not much of an accomplishment. (Michael Landrum, toastmasters.org)

Effective leadership;

*Gives more than it expects others to give.
*Combines optimism and perseverance.
*Sees everyone as a diamond in the rough.
*Expresses appreciation; accepts responsibility.
*Keeps its ego in check.
*Shows respect for others.
*Treats team members as family.
*Is a source of inspiration.
*Stresses cooperation, not competition.
*Maintains a sense of humor. (Victor Parachin, cox.net)

The casual observer must conclude that most of our current national and local leadership closely resembles Detroit's. Why? Because most appear to use political capital to punish those who oppose them and reward yes men. They make critical decisions that are based on private agendas and not the interest of the American people or their local constituency. Americans obviously believe the behavior is American politics and representative of our traditional leadership. We accept the behavior by returning most of the pretend leaders and scoundrels to office. In reality the opposite is true; these individuals are not and have never been true leaders, because they fail to demonstrate the character or qualities of leadership.

The legal, political, social and economic quagmire in Washington and Detroit are good examples of what happens when real leadership is not at the helm of government. It is a sure recipe for disaster. Individuals who lack leadership and are elected to high office will always undermine cooperation and harmony while presiding over the hellish environment they create. They will always seek to destroy descent.

In today's world, great leaders are recognized by the positive effects they have on people. They promote teamwork, encourage excellence, foster growth and even offer criticism in a productive way. As American citizens we have a duty to ourselves and our children, to elect public officials that demonstrate the character and qualities of leadership discussed here.

Calvin Johnson is a Certified General Real Estate Appraiser with 27 years of appraisal and mortgage lending experience. He is currently Chief Appraiser and President of Home Pro, Inc. Northville, Michigan. Mr. Johnson is a Magna Cum Laude graduate of American Intercontinental University's renowned, School of Business Hoffman Estates, Illinois, where he earned a Bachelor's degree in Business Administration. Calvin is the managing partner of http://patsbuys.com a business opportunity web site and in the early 1990's created the model and application parameters for, the Virtual Appraiser, an Internet based valuation application

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