Trading Forex News

Most forex traders who succeed know how to trade based on the news. Laymen who usually hear about forex trading in business channels such as Bloomberg ask: “who the heck watches all these?” Well, to the beginners in the financial markets, you have to acknowledge the contribution of forex news in the market.

It is believed that occurrences and events in the market affect crowd sentiments. The fact that crowd sentiments move the market substantially makes it an indicator of trends. Traders who are aware of this, capitalizes on such movements in the forex market. There are traders who depend chiefly on speculating the trends based on the crowd’s sentiments. Crowd sentiments, at the same time, are driven by what they see in the news whether consciously or unconsciously. Taking advantage of such knowledge can signal a trader to enter or exit a trade.

The goal in trading forex news is to analyze how the market sways based on the movements of the crowd. There are tools used in interpreting forex news. The important thing is that if you are going to use this strategy in trading, you have to stick to the system in order for it to succeed.

Signals and indicators are important in currency trading. One of these indicators is economic news itself. To ensure that you are making the most out of this free indicator, you have to get the right knowledge on how to analyze market trends. Most traders tend to ignore crowd sentiments and instead focus on traditional techniques and fundamentals. This entirely keeps you away from a wide range of trading opportunities that you have not thought of before.

Timothy Stevens is a Forex Options Trader who owns – He has helped hundreds of people on Trading Forex with Options.

He has recently developed a free e-course showing you a step by step process for starting your Forex Trading easier. To learn how to start Forex Trading with Options without wasting your time and losing more money, visit

America While We Seek Mirth and Beauty – Judgment is at the Door

America’s premiere nineteenth century folk songster was, hands down, one Stephen Collins Foster. He died a pauper as have many folk songsters before him, but in 1854, Firth, Pond and Company published one of his songs entitled -Hard Times Come Again No More- and it became popular both in America and across the continent of Europe.

Nation founding and pioneering were at their height across the globe, but never so much as in America. Songs of struggles and scarcity were common and Europeans found them interesting in their fully developed nations where poverty was limited to certain cities or regions, but the general welfare of most European citizens was stable.

Foster’s songs invoked the sense of struggle and hard times, but were often misinterpreted as a sign that America was weak and could barely stand to her feet. In fact she was never stronger. Enduring hardships is a cleansing and purifying element that has long gone, and now it may be only the absence of the latest handheld gadget or the money to lavish on entertainment that is considered a hardship.

Difficulty has never made anyone weak if they refuse to move forward conjuring the best attitude and sense of resolve as they go. Was it a prayer or simply a mournful cry for hard times to come no more – in any sense, it was the call for better times that is generated from a belief that they can and will come.

Let us pause in life’s pleasures and count its many tears, While we all sup sorrow with the poor; There’s a song that will linger forever in our ears; Oh! Hard times come again no more

‘Tis the song, the sigh of the weary, Hard Times, hard times, come again no more Many days you have lingered around my cabin door; Oh! Hard times come again no more

While we seek mirth and beauty and music light and gay, There are frail forms fainting at the door; Though their voices are silent, their pleading looks will say Oh! Hard times come again no more

America sees her hard times as far behind with little chance of re-emergence in these times. This is the juncture where premiere old folk songs and premiere new false beliefs meet.

This writer is not guided by the latest trend in Christian journalism or the latest fad in doctrinal emphasis. Generational curses, prosperity gospel or any other fad of the church is taken for what it is worth, but will take no precedence over declaring the whole -counsel of God- as the Apostle Paul declared.

It is what I have -heard in the ear- (Mt 10: 27) that I must declare on the housetops, not what passes muster in today’s rapidly oncoming pop-culture gospel and trendy Biblical interpretation. So, exactly what have I heard?

America is heading toward hard times.

The short version is easy to declare, the causes require far more detail and that is what I write about endlessly.

America is prone to idol and hero worship and that is where the subtle error first makes its debut. Politicians, political pundits, news anchors and celebrities all have their place in the American scheme of things, but they rarely see the larger picture without some kind of compromising mistake that may look small, but in the light of biblical truth is major.

The seemingly invincible Fox News now hires homosexuals, has its top voices (Bret Baier) dismissed from speaking engagements because they have gone soft on key issues or succumbed to PC pressure of the day. The daily and morning shows host celebrities that have introduced sleaze into America through media which is generally looked at with snickers, laughter and curiosity.

Heroes like Bill O’Reilly are seen as the last and best voices even while their views of the nation may be generally correct, their solutions are almost non-existent or ignored. Hard work, lower taxes, economic responsibility all have their place in the old America but do little to help a nation that is plunging into moral reprobation.

We see in the last chapters of O’Reilly’s first best seller -Culture Warrior- a cavalier approach to the onset of the militant gay agenda. He concludes that it is a passing culturally faddish and unimportant part of the changes in the nation. What some are now calling the -Gaystapo- is today making our foibled impresario of the fallacious – look a bit foolish.

As if the hero was not sufficiently exposed, we all rush, not to read the bible, but O’Reillys book about the bible’s key figure -Jesus of Nazareth. O’ Reilly insists that only his trusted researcher Martin Dugard and a library of history books along with Bill’s high level of commonsense can discern the veracity and the importance of the man Jesus. Leaving the authority and God given fullness of the bible behind; our hero runs ahead at gallop speed with America’s conservative hoards running fast behind trying to keep up.

It should be embarrassing to see the nation falling even as the trumpeter calls the troops to the charge. As for Fox and O’Reilly the word for the day is -braggadocio.’ When writing to us, don’t use this word as a substitute for the truth and for mis-leading a nation about what is causing it to fall. A tilt has been discovered in the no spin zone.

It was never just about the killing of Jesus – it has always been about the life of the resurrected Christ carried on in the Holy Spirit empowered daily lives of the believers. It was never about how, where or when Christ died – it was always about for who he died.

-For when we were yet without strength, in due time Christ died for the ungodly.- (Ro 5: 6)

But as soon as possible research this, forget its historicity, it emerges from the Divine who resides in the eternal. To wit:

-In the multitude of words there wanteth not sin: but he that refraineth his lips is wise.- (Pr 10: 19)

We use SNL for parody, spoof, sarcasm and satire about daily events in America much like the French use Charlie Hebdo. We get a laugh out of it, but little more. There is no relief, change or meaningful reparation to our ills following our laughter.

Here is where it behooves us to realize that hard times come at the -backend’ of a nations run for a reason. The reason is blaringly simple – it is so, that nation, will not fall as all the other nations throughout history have fallen like so many dominoes in a row.

God is not a whip toting angry taskmaster, but a loving Father who cares about our future as individuals and for our nation as well. Consider this:

-For if we would judge ourselves, we should not be judged. But when we are judged, we are chastened of the Lord, that we should not be condemned with the world.- (1Co 11: 31-32)

Politicians, news anchors, celebrities and the best of the best all have their significance, but if we are ignoring the admonishments of the Lord we will still have to pass through chastisement. Those are the days when laughter ceases.

Almost in a prophetic sense Stephen Foster’s sad song ends with a picture of an old woman who, after all, could find no relief and, in fact, the dirge is carried right to the edge of the grave – is that woman America?

There’s a pale drooping maiden who toils her life away, With a worn heart whose better days are o’er: Though her voice would be merry, ’tis sighing all the day, Oh! Hard times come again no more

‘Tis a sigh that is wafted across the troubled wave, ‘Tis a wail that is heard upon the shore ‘Tis a dirge that is murmured around the lowly grave Oh! Hard times come again no more

Michael Bresciani is the publisher of American since 2005. The website features the articles and reports of Rev Bresciani along with some of America’s best writers and journalists, news and reviews that have earned the site the title of – The Website for Insight. Millions have read his timely reports and articles in online journals and print publications across the nation and the globe. Follow us on Twitter and Facebook

Everyone can apply payday loans

You are seeking for a payday loan with remarkably speedy approval? Today you are able to locate it online! The most ease the pay day loan companies supply is that they offer basic information, featuring their rates, payment possibilities, and answers to normally asked questions as well as grow choices of contacting with phone or e-mail so that you are able to totally understand pertaining to their service and making a best option.

When you meet some unexpected expenses, you may consider making use of payday loan lending institutions for help. This financial procedure could relax your budget plan. If the warning of financial indicators had been discovered to you, you could avoid some unforeseen costs. Payday advance loan is one of the most well-liked methods to help people gain access to quantity of money in appearing scenarios.

To take care of these issues, you could have a bunch of preventative methods. Right cause money. Nevertheless when you produce and take care of a cost savings, you can follow unanticipated prices and this can help you limit the demand for payday advance. However payday advance loan excels stations to aid everybody in case they do not have enough money or they have too many demands on their conserved money. Today the online payday loan lending institution will certainly give you a lot more chances to save your cash overdraft costs or in late and it likewise keeps the adverse late records off the monthly credit record when you do not have adequate cash. You can benefit from the internet payday loan lending institution to handle challenging issues in your day-to-day life.

With the online payday loan, you can make use of the internet to fix all problems relating to the money. The online payday loan providers constantly offer safe and secure products with higher limits while the repayment terms seem to be more flexible. A local company can require you to recover the total funds right after your upcoming paycheck arrives. This can put a lot of pressure on the customers. On the other hand, online payday loans are willing to give you more money and more time to deal with your financial obligations. Thanks to this loan, you can protect your normal budget and you do not need to secure any other loans to pay for the rapid repayment. Fullpocket is a reliable company in which you can borrow money quickly. Let’s visit to get details.

Credit Report Vs Credit Score

What is a credit report, credit score?

Many people use these terms interchangeably but there is a big difference between the two. A credit report is just but a nutshell of your credit use history while on the other hand a credit score uses the information in the credit report and assigns a number ranging from (300-900) showing lenders the probability of paying back a debt. The higher the score, the lesser the risks of defaulting.

Credit Report

A credit report shows personal information (name, address, social security number), what kind of credit you use, how long the credit line has been open, whether you have paid your bills on time (including any collection of information if a debt had to be passed on to a collection agency, how much credit you have used and what is outstanding, whether you have been looking to open sources of credit, i.e. any credit inquiries that have been made, banking information, public record (such as bankruptcy or a court-related judgment).

Lenders look at your credit report to determine if they should either extend or withhold your credit. Its basically a view of whether you pay back your debts or not. Its mandatory by law that everyone in the USA is allowed free access once every twelve months to their credit report from the three national credit reporting agencies that is EQUIFAX, EXPERIAN AND TRANSUNION. You should check your credit report yearly to make sure all of the reported information is correct and that there are no fraudulent accounts that have been opened in your name.

Credit Score

A credit score is primarily based on credit report information typically sourced from credit bureaus. Lenders use scores to determine who qualifies for a loan, at what interest rates, and what credit limits.

How are credit scores interpreted?

First step is to identify the source of the credit score and its use.

FICO produces and controls the vast majority of scoring models of the credit score in the United States. The interpretation of a credit score will vary with the lenders, industry, and the economy as a whole. All considerations about the score revolve around the strength of the economy in general and investors appetites for risk in providing the funds for borrowers in particular when the score is evaluated.


It is very clear there is clear-cut difference between credit report and credit finance and in their application in personal finance. With this knowledge of the commonly misused and misunderstood terms, it is likely that you will not only make informed decisions hence forth when it comes to personal finance, but also be proactive in approach.

Everything You Need to Know about Bankruptcy

On average, over a million people file for bankruptcy each year. The number fluctuates each year depending on the economy and other factors. It can also vary widely by state, but the truth is if you need to file for bankruptcy, you are not alone. Filing for bankruptcy might make you nervous. Knowing all you can about the process and what to expect beforehand can help calm your nerves and move forward. This article will explore the important aspects of bankruptcy and debunk some common bankruptcy myths so that you will be ready to discuss your bankruptcy with a bankruptcy attorney in Seattle, WA.

What Chapter?

There are different kinds of bankruptcies. The 2 available for individual bankruptcy are Chapter 13 and Chapter 7. Your lawyer will discuss each of these options and let you know if you are eligible for both or just one. A Chapter 7 bankruptcy is what many people think of when they think of bankruptcy. However, it is harder to qualify for a Chapter 7 bankruptcy. In a Chapter 7, all your unsecured debts are wiped out. Unsecured debts might include your credit cards, medical bills, and other debts.

While most debts can be forgiven in a Chapter 7, some cannot. Alimony, child support, and student loans are just some examples of debts or obligations that cannot be wiped out in a Chapter 7. Chapter 7 bankruptcies are only available to people with little or no disposable income, and you generally have to get rid of any nonexempt property in order to pay what you can to your creditors. A trustee will oversee this process. If you make too much money, you may have to file for a Chapter 13 instead. A Chapter 13 bankruptcy reorganizes your debts so that you can more easily repay them. Interest rates may be lowered or dropped in order to facilitate the process.

While you will still owe your creditors, your repayment plan will be something you can handle based on your income. Chapter 13 bankruptcies generally allow you to keep your property, including your home, even if you are behind on your mortgage.

Bankruptcy Myths

There are many myths surrounding bankruptcy. Here are some of the most common:

All your debts will be forgiven in a bankruptcy. As discussed above, this is not true. What debts are forgiven will depend on what Chapter you file for. Even in a Chapter 7 bankruptcy there will be debts and obligations you will still have to meet.

Your credit will be ruined forever. While filing for bankruptcy will significantly damage your credit, it does not guarantee that you will have low credit forever. If you are financially conservative and wise with your money, you can rebuild your credit in a matter of years.

You can file for bankruptcy any time you want to get out of debt. Bankruptcy might seem like an easy way out, but it is a complicated process. You have to prove that it is an undue hardship on you to repay your debts and that you aren’t able to make the required payments. There are also restrictions on how many times you can file for bankruptcy within a stated amount of time.

Everyone will know you filed for bankruptcy. Besides your creditors, the lawyers, and the court, most people will not know that you have filed for bankruptcy unless you choose to tell them.

While it is not necessary for you to have a bankruptcy lawyer, it will make the process much smoother, and it will be easier for you to get your bankruptcy approved. You should look for an experienced bankruptcy attorney in Seattle, WA, to handle your case.

Travis A. Gagnier, Attorney at Law You can rest assured that Travis A. Gagnier, Attorney at Law in Seattle & Federal Way, WA applies years of experience to create the best plan for you Visit our page on to see our page today!

What To Do When You’ve Outgrown Myob Accounting Software

Entry-level software such as MYOB and Quickbooks has done wonders for small businesses. These small business accounting systems let small business perform quickly what was previously a full time bookkeeping and accounting role.

While they are great for start-ups and very small businesses, companies that want to move to the next level must have software in place to support, not hinder, intended growth. They need software that is for more than just accounting. Growing businesses need software that enables enterprise resource planning (ERP).

So what is ERP? ERP is a business management system that integrates most functions of a business, including quoting, planning, manufacturing, service, sales and marketing. It also covers activities like stock control, order tracking, customer service, finance and staff.

Large organisations use ERP systems to manage every aspect of their businesses. But ERP is not just for the big guys! Growing businesses can reap huge rewards from using an ERP system that has been specifically designed for businesses that have outgrown MYOB & Quickbooks.

Five important facts about an ERP system:

Affordable small business softwareSaves you money on administration ERP ties together all facets of your business Provides proper “Big Business” reporting – essential for any size business At the risk of using a cliche..”if you can’t measure it, you can’t manage it”.Is flexible and will grow with you

Business growth is one of the many reasons SMBs break free from the limitations imposed by basic accounting software and seek out a more sophisticated ERP system to manage almost every aspect of their business.

As a business grows and you start adding staff, entry-level accounting systems start to slow down and lose performance. Data corruption also becomes a concern as multiple people start trying to access the same record at the same time. Larger enterprises often opt for SAP – an ERP solution that is often too expensive and complex for SMBs.

An ideal solution for businesses that have outgrown MYOB but are too small for SAP is ERP software tailored specifically to small businesses. Look for systems:
designed with the needs of a growing SMB in minda quality system framework, anda front-end interface to manage business workflow and processes.

This is a substantial move from running small to medium-sized businesses via standard accounting software.

An ERP system can add value to a business by:

providing quick access to all files and records adding security levels on data for better safekeeping enabling multiple access to the same file without corruption of data time and date stamping every entry so you know who did what, and when not slowing down as you add more users, customers and suppliers letting you create rules that suit your particular business.

Flexibility is another huge advantage of an ERP system. As you change a process or procedure in your business, you can change your ERP system’s workflow rules to match your company policy.

Let’s look an typical small business that is benefiting from using ERP. The company is a large copier dealer specialising in digital document production and management technologies. It was similar to many other copier dealers in that it was looking for a single piece of software to manage a large number of clients under contract.

The software had to have a strong accounting back end, copier-specific reports, as well as an interface and functionality suited to a copier dealer. An out-of-date accounting system, combined with multiple spreadsheets and inadequate reporting were just not cutting it for this business.

The business deployed a small business ERP solution and found that it met all its needs. The company experienced immediate benefits from implementing an ERP system specifically designed for SMBs.

For business that have outgrown MYOB & Quickbooks and don’t have an unlimited budget for SAP, look around and evaluate, there may well be a tailored system made specifically to fit neatly into your growing business.

Using Confluence To Trade The Forex Markets

Confluence is a term that is often used in geographical circles, but it is also used when discussing aspects of forex trading as well. In simple terms confluence refers to two things meeting or coming together, and this is commonly used to describe scenarios where two or more technical indicators come together.

So why is this important?

Well you will rarely see it being mentioned in any forex course, but it is important because you often get some very good trading set-ups when a few of these indicators come together. To digress for a second, some traders use this term to describe situations where two indicators give the same signals, for example when both the RSI and Stochastics are above the 80 level and therefore overbought. However I like to use the word confluence in the truest sense of the word to describe situations where two similar indicators come together on the charts.

One example of this would be where you get a situation where there is a key fibonacci level very close to the daily pivot point. One of these indicators alone can often act as a strong support or resistance level, so two together will give you an even stronger level of support or resistance.

Another good example, and one I look for quite a lot in my own trading, is when several moving average indicators come together on the charts. For instance when the 5, 20, 50 and 200 period exponential moving averages come together and are all very close to each other.

When this happens it signals a period of consolidation, but more importantly it signals that there could a big breakout coming in the near future. As soon as the price breaks out of this range and the short-term moving averages start heading higher or lower, you should consider opening a new position in the same direction because you often get some big price moves.

So to sum up, confluence in forex trading often refers to two or more technical indicators coming together. Successful forex trading is all about finding high probability set-ups, and one of the best signals you can get is when you get multiple moving averages coming together, because the end result is that you often get a big breakout when this period of consolidation is over. However there are lots of other ways you can use confluence to find decent set-ups. This is just one good example that I use myself.

Finance Courses; why Is It Important To Study Finance

Financial risks and rewards are what actually matter most in a business and finance is the essence of business. Hence a good finance course does benefit working executives as well as fresher who have an aptitude to grow in the financial world. Managing and controlling finance in a business is the most complex jobs in a business environment since its the responsibility of the finance professional to reap best value for investment.

Finance Courses: Of late there is a steep rise in the demand for financial courses and a deep hunger for financial literacy. The famous author Robert Kiyosaki in his best seller Rich Dad Poor Dad that sold millions of copies and is the most successful writing in financial literacy had stressed the need to understand finance. He rightly quoted that the average adult lack basic financial literacy and cant differentiate between assets and liabilities.

Certificate course in Finance: Premier finance institutions offer certificate courses in finance that has become quite popular as its a quick ladder to the top management in an organization. They put in a lot of practice and on the job training into it so as to ensure that the day he/she passes out of the institute, he is job ready. The courses take students through comprehensive knowledge in all spheres of financial management and allocation of financial resources, asset management etc.

A course in financial management is the most desired among all management courses as it is the most sought after skill in the corporate world as mentioned earlier, finance is everything in the business world. A course in finance from a premier institution opens-up great opportunities in all sectors irrespective of their line of business such as banking, insurance, securities trading etc. Finance professionals look after the overall finances of a business establishment in areas of Credit, Cash handling and company treasury management, investment advisor, risk management, finance consultant etc.

Finance has the highest prospect as far as the corporate world is concerned though its a bit of creepy subject for students which involves a lot of concentration on numbers. Management students prefer finance as their major subject of study owing to its worth in business though is a very complicated subject. A companys financial strategies are driven by the financial professionals who decide the fortune of a company. A finance professional basically draws financial statements and financial analysis based on which business strategies are formed and the future operations are decided.

The finance professional prepares the financial analysis that determines the profitability of the company which is crucial for sustaining growth of the organization. Companies even sponsor their junior finance professionals to finance courses to improve her productivity and acquire new skills. Many financial institutes offer certificate courses in finance that covers all aspects of financial management such as financial analysis, economics, business trends, financial strategies, banking strategies etc.

If you have a passion for controlling and managing finance then theres nothing like a finance career and a course from WLCI for you as it is highly rewarding and growth is enormous in the finance field. Finance professionals need to be alert and possess analytical skills to predict financial implication of business operations of a company, some finance course will definitely be helpful to these professionals.

Why Is My Car Insurance So Expensive, And What Can I Do

Most drivers are on the prowl for cheaper auto insurance, and spend a lot of time looking at side-by-side comparisons on the Internet. They could save a lot of time by simply moving to Maine. recently released a list ranking states by average annual cost of car insurance.

Topping out the list was Louisiana, where the average premium is $2,510.87 (this compared to Maine’s $902.85).

Virginia came in at number 37, with an average of $1,233.36 (this is slightly under the national average of $1,429.26). Washington, DC ranked number 7, with typical costs of $1,753.19.

So aside from leaving the state, how do you keep your rates low? The formula for calculating your rate is only slightly more complicated than cracking the Da Vinci Code, but here is a typical breakdown: Tier I: Primary zip code, age, gender and marital status Tier II: Driving record, credit history, make and model of car

Let’s break it down. It’s hard to change the first-tier factors (and if you are willing to make those changes over car insurance rates, then… you must just have terrible coverage to begin with). Some may be wondering why zip code matters. To begin with, all states have different laws pertaining to vehicle insurance requirements. Additionally, remember the first rule of real estate: location, location, location! Factors such as urban vs. rural and number of uninsured drivers on the road with you will affect the overall “risk factor” of living in certain areas. As far as the others in this category, we’re all familiar with the magic birthday of 25, and know that only drastic measures can change gender or marital status.

Now let’s look at what you can change. Insurance companies assign a different risk rating to each individual make and model. Different insurance companies will have different systems in place to estimate this, though it’s possible to find good examples online (check company websites and services like MSN).

While it’s still being debated in most states, your credit history can weigh in on what you pay for insurance. Something like this will also vary from company to company.

Lastly, your driving record. In terms of factors you can impact, this is the big one. Speeding tickets, traffic tickets, reckless driving charges, DWI/DUI charges, are just SOME of the things that can increase your premiums, now or further down the road. Did you know that even no-fault accidents (accidents in which you were involved but did not cause directly) can cause your rates to increase?

The best thing to do if you receive a ticket or charge or are involved in an accident is to contact an experienced attorney in your state to discuss your options, and how best to deal with insurance companies. If you are involved in an accident, it is usually better to contact your attorney before you give a statement to your insurance company.

Copyright (c) 2010 James Parrish

Build Your Own Cedar Closet Without Breaking The Bank

If you’re thinking about updating your closet space, you have plenty of company. Closet organization is a booming $3 billion industry. Homeowners can spend as much as $30,000 on organized closet systems that can turn those ho-hum, stuffed-to-the-gills wasted spaces into stress-free, spalike quiet rooms.

“Closet renovations are hot right now,” says Pat Simpson, home improvement expert and host of HGTV’s “Before & After,” “Fix It Up!” and “Room To Improve.” “But many closet systems you see in magazines and on TV are out of the financial reach of most Americans.”

The trade magazine Closets notes that the average price of a master bedroom closet installation is more than $3,500-mostly from creating a custom closet with lots of shelves and drawers.

Cedar closets are starting to capture the attention of many consumers across the country. What’s the attraction? A cedar closet offers benefits you can’t find with other products, such as repelling and resisting moths, roaches, silverfish and mildew; providing a wonderful cedar scent; and being safer than mothballs and smelling better.

A Lower-Cost DIY Alternative

Professionally installed cedar closets can be expensive, but they don’t have to be a luxury. One way to update your closet without breaking the bank is by installing cedar closet liners on your own.

“You can create a beautiful cedar closet using do-it-yourself, easy-to-install cedar panels or planks for $150 to $360 for a standard-size closet,” says Simpson.

CedarSafe Natural Closet Liner planks and panels are made of 100 percent Aromatic Eastern Redcedar and line the walls of the closet. Both liners work well with standard or custom racking, shelving, storage drawers and cabinetry.

Any closet in the house is perfect for cedar closet liners. You choose the look you want, measure your space and install it in a matter of hours.

CedarSafe Natural Closet Liner planks and panels are available in the paneling or closet departments of Ace Hardware, Do It Best, The Home Depot, Lowe’s, Menards, True Value, as well as in lumberyards throughout the United States and Canada.