Dun and Bradstreet Ratings {awesome|amazing|Great|Special}

Dun and Bradstreet (D&B) ratings are like a good housekeeping sign of approval for businesses. D&B is probably the best known business reporting agency in the world and its ratings are coveted by businesses and examined closely by financial institutions and investors who want to know the financial health of any business. The Dun & Bradstreet rating is prepared by an exhaustive examination of financial records, statements and dealings of the business with its customers, clients, investors and shareholders.

D&B’s rating offers companies an opportunity to build their business credit, mitigate credit risks from other businesses, and ultimately improve their cash flow as well as the ability to enhance profit. D&B offers a number of other tools in addition to the basic rating which allows businesses and financial institutions to make good decisions based on data and not just on guess work.

The Dun & Bradstreet Rating measures a company’s business credit rating against others in the same field as well as companies operating in different countries and different continents. The rating provides data on the net worth or equity of the business and then sorts these companies by the number of employees to reflect the overall creditworthiness of the business. It also measures both financial stability and the company’s payment record, public filings, trade payments, business age, and other factors in order to produce the most comprehensive report on a company’s creditworthiness that exists anywhere in the world.

Other subsidiary products that augment the rating are the Paydex Score, the Financial Stress Score and the Commercial Credit Score. The Paydex Score is a report and score that evaluates the payment record of a business to its suppliers and vendors. The Financial Stress Score makes a prediction on the possibility of a company having to file for bankruptcy during the next year. The Commercial Stress Score evaluates the likelihood of a company making a late or delinquent payment during the next twelve months.

All of these additional information products still play second fiddle however to the Duns rating. This one rating can not only assist or prevent a business from receiving a business loan or an extension to a line of credit but can also cause investors to vanish or panic, suppliers to cease shipments & or vendors to refuse to stock products. In other words, keeping a good D&B rating is essential to the successful operation of any business. Many businesses, large and small have risen and fallen based on the rating. Smart companies keep one eye on their balance sheet and the other on maintaining a good D&B rating.

Source by David Gass

Panini Sandwich Recipes

Panini sandwiches are famous for being healthy and delicious. They are your best substitute for those fatty, high-calorie sandwiches you usually eat. You no longer have to worry about putting on extra weight or ruining your diet since you can always include healthy ingredients of your choice in your panini sandwiches.

One of the best things about panini is that you can use your imagination and creativity in preparing them. You can go vegan by substituting ingredients according to your own taste. In addition, you can always try using different breads like ciabatta or whole wheat. You can also experiment with various herbs and flavors to spice up your panini sandwiches.

Regardless of the panini sandwiches you want to try, remember that the secret behind delicious recipes lies in the filling. Here are some panini sandwich recipes you should try:


If you are bored of the usual pizza you have in restaurants, now is the time to make your own pizza-style panini sandwich. Combine mozzarella cheese, your favorite pizza sauce, sliced black olives, sliced green and red bell peppers, pre-sautéed mushrooms, onion rings, and pineapple. These ingredients will serve as a filling for your panini pizza. Moreover, you may even add pepperoni, ground beef or ham. You can also put in slices of tomatoes a few minutes before removing the panini from the grill.


Does preparing breakfast eat up most of your time in the morning? Now you can prepare breakfast like a pro for your whole family by making panini sandwiches suited for breakfast. Just fill panini with scrambled eggs and cheese. You can even add vegetables like green peppers, potatoes, and onions. You can even add ham or bacon; which go great with scrambled eggs.


If you want a healthy yet delicious sandwich, then make yourself a vegetarian panini sandwich. It is easy, practical, and even cheaper to prepare. Simply fill panini with your favorite vegetables like sliced onions, sliced tomatoes, sliced zucchini, fresh spinach or lettuce, basil leaves, and green peppers. You can make them even tastier by adding shredded aged cheddar cheese or drizzle with your favorite dressing.

Panini sandwich recipes call for your creativity and imagination. Aside from the pizza, breakfast and vegetarian panini sandwich recipes above, you can also make your own or even search for more recipes on the Internet or in cookbooks. Panini sandwiches are fun to prepare and you can customize your own to fit your taste.

Source by Sabrina Rocca

Backing Winners at Royal Ascot {awesome|amazing|Great|Special}

Finding winners at Royal Ascot

The Royal Ascot meeting in June brings together the best horses from the United KIngdom and Ireland with some from further afield such as Australia. This is the Olympics of horse racing where the cream always rises to the top as far as the best horses are concerned. There is always up and coming horses who come out of the woodwork to make their mark on the carnival. Finding winners can be tough but successful punters will be well rewarded with some good odds. So just how do you find winners at Royal Ascot?

First and four most, it is important to concentrate on form as most of the winners at Royal Ascot are those horses who finished first or second last time out. It is not as simple as just going for last race winners and seconds however as over half of the runners in many races at Royal Ascot finished in the first two last time out. Therefore it is important to consider the odds. It is a fact that most of the winners will be among the top three or better in the betting which just goes to show that the market is usually on the money as far as the favourites are concerned.

Another factor to consider is class and if you are prepared to do a little homework then you may be able to spot some winners who are well placed as far as what they have done in the past. Most of the races are group and listed races. Group 1 is the highest grade of race followed by group 2, 3, and then listed. A last race group 1 winner should be preferred over a group 2 or group 3 winner.

It is important to remember that current season’s form is preferable when assessing chances because a horse who was good enough to win a good race the previous season may not reach the same class during the present season or may have reached its limit where it is up against better class horses which it is unable to win against.

Another factor is the win rate of the horse. If it has won at least 33% of its career starts then I would consider it but I would not automatically rule it out if its win rate is less than 33%.. I think if a horse is not winning for its connections then it is not going to do so for us.

These are just the basics of horse racing. If you stick close to the form horses, you will likely give yourself a better show of winning. I have had some good results in the past at Royal Ascot using these principles but do not always just take those that finished first if there is a strong reason for doing otherwise. Special note has to be taken of horses who last raced in a group one field and now has dropped to an easier race, say group 2, 3 or listed because such a horse may have a winning formline in races which are not group one. Coronet was one such horse two or three years ago. She had dropped back to a group 2 race after running in group 1 and her previous record had shown that she had never been beaten at races lower than group 1 level so I backed her and she won at 9/1. She recently got beaten at the 2019 Chester meeting which was the first time she had been beaten at a race lower than group one.

Hopefully the ideas here will give you some food for thought on finding a winner or two at Royal Ascot.

Source by Robert Alan Stewart

6 Week Body Makeover – Body Recipe Samples

You shouldn’t have to suffer and starve yourself on a diet. Learning how to eat healthy and occasional exercise is the key to losing weight and keeping off that weight in the future. The 6 Week Body Makeover teaches people how to lose weight by eating the foods that are right for your body type. Based on your body types, you are allowed different types of food which will increase your metabolism and help you burn fat in the future. Here is a sample of recipes that you could be eating for breakfast on the Michael Thurmond diet.

Breakfast Menu Sample

Eye Opening Omelet – Include 4 egg whites, 4 tbsp water, black pepper, fresh veggies& herbs

If you want to spice up your omelet, you can try the fiesta omelet, spring primavera, Hawaiian sunrise or Denver omelet.

Egg whites are great lean protein which are easy to cook and can even be used for other meals.

Hash Browns – Include 2 large russet potatoes and freshly ground black pepper. For some extra “kick” add 4 chopped green onion and 1/2 tsp garlic powder before cooking. This will add some crunchiness to your hash browns. Additional recipes include Mexicali Browns and Sweet Browns.

If you are not a big fan of eggs, you can even eat turkey sausage for breakfast. Turkey sausage includes 1 pound of lean ground turkey breast, 1/2 tsp cumin, 1/2 tsp cayenne pepper, 1/2 tsp garlic powder, 1 tsp coriander, 1/4 tsp black pepper, 1 tsp paprika, 1/2 tsp oregano, 1/2 tsp basil and a 1/2 cup chicken broth (make sure to get the low sodium broth).

This is just a sample breakfast that you can eat with this type of diet. If you use the Infinite Menu Planner, you can create an unlimited amount of meals that fit your diet and body needs.

Source by Rico Kidd