Wednesday, January 30, 2008

Pets, Mans Best Friend

Pets. They clearly represent everything that we look for in a partner.

Affection, constant attention, and a pair of ears that listen and never quite talk back. These characteristics are just a few that allow us to bond with our furry friends. While they may never be our lifetime partner or husband material, they are our best friends. Without them, chances are we would be lost and unable to tell our secrets to the world.

When our pets become ill, the last thing we want to do is watch them suffer. We know that they are struggling to tell us whats wrong, yet it is often difficult to figure out what the problem is. With exuberant medical fees and medicines that cost more than your car payments alone, dealing with their issue can also be frightening. Fortunately, there are plenty of opportunities to take care of your pet, without taking out a loan. Herbal remedies are wonderful resources for pets who struggle with joint pain, stomach aches, or allergies. Below are just a few remedies that may alleviate some of the ailments.Surprisingly, a simple herb such as rosemary can easily help with pain relief. Since it is an anti-inflammatory, it will help with joint pains and muscle tension. If you do give this to your pet, it will allow them to live more comfortably. As a result, you will not have to pay thousands of dollars for a medical pill that may not even work. Other anti-inflammatory herbs include Aloe Vera, which is also a popular remedy when humans find themselves dealing with pain. An additional herb that is used quite frequently on pets is Dandelion. This flower actually helps with the immune system, as it treats liver or kidney deficiencies. If you use the leaves, it actually can work as a diuretic. While these are just a few herbal remedies that will help your best friend, Noni supplements tend to work the best. These nutritional products, which began in the Pacific Islands, are making large splashes in the medical industry. After it was heard that Noni Juice could help with the spreading of cancer, people flocked towards this substance. Once it was found that it can alleviate joint pain, boost immune systems, and create energy, pet owners were trying this on their furry friends. Luckily, it works just as well. You no longer have to worry that your vet will not be able to fix the problem. Noni products may actually reduce the pain, and make your pet a lot happier.

Regardless of where we live in the world, pets are our lives. For some, they are a means of comfort. It is reassuring to know that they are always there when we need them the most. For others, they simply are a best friend that could never be replaced. After all, their ears are always on turn on mode, and they are more than happy to keep your darkest secrets. For these rasons, we absolutely want to do whats best for our pets. If this means trying out alternative medicines such as Noni and herbs, then so be it. No matter what effects it has, at least we know that we gave it our all.

Pascal Erdmann is the owner of PetThoughts, a large pet community and Natures Products Ltd, distributing Noni juice and other alternative health products. Websites: http://www.petthoughts.com http://www.noninz.com.Amanda Blog14813
Amata Blog67412

Online Education

The Internet has shortened distances, making it possible almost all of the activities that traditionally required going from one place to another, investing extra effort, money, and time. Today, you can study from the comfort of your home, at any hour of the day or night and even wearing just your pajamas, if you want.

Online courses have the additional benefit of immediate availability. No more waiting time until the next visit of your mail carrier, just sit down and turn on your PC to enter into your virtual classroom or have your list of today's assignments displayed on your monitor.

Online education, also known as distance learning or e-learning, differs from traditional education because students are not required to visit an actual classroom and listen to an instructor face-to-face. If you have ever thought about an online education to further your current career, or to get training for a new career, now is a great time to get started.

An online education also means you do not have to take a break from your current job or career and can simultaneously become qualified for a better one. Contrary to belief, an online education is valued just as much as a regular one. In fact, people getting an online education are indicating that they are motivated to better themselves every step of the way and are willing to put in the required extra effort for this purpose.

Today, online education has come a long way. Instructors are now being hired to solely teach online. Companies are also hiring these online education programs, since a training session can not only be quick, but also be accessed at any time of the day or night. For many, it is a great opportunity because it gives us all more knowledge. We not only are able to get college degrees through this type of e-learning, but we also can have a life, without having to stay at the office overnight just to learn some material.

The choice for online education is vast. There are an unlimited number of universities and colleges that are ready to work with you and the time that you have available in order for you to get an education in the field you prefer.

Online education has made all degrees available to anyone and everyone who has the will to study. The cost of each degree differs from course to course but here too a payment plan can be worked out depending on your financial status and possibilities.

Overall, online education is much less expensive than going to a traditional school because you save on travel, time, and the courses themselves cost less. Much of the time you are able to get your degree much quicker and with much more ease in an online program than at a traditional college.

Modern technology allows surfers the access to a wide number of study materials and guides in a matter of just a few seconds. Nevertheless, apart from time, online educations provide economy, convenience and effectiveness to any learning program.

This article has been published by Kateri White currently writing on online degree programs topics for our website http://www.onlineuniversitydegreeprogram.info.For more details about the online degree programs, please visit our website. If any mistake found please mail kateriwhite@gmail.com.Beth Blog23055
Carmel Blog2650

iPhone Downloads - 10 Tips on Finding the Best iPhone Download Site

iPhone Downloads - 10 Tips on Finding the Best iPhone Download Site

The iPhone is finally here! As a result, many free download sites have popped up that allow for downloading copyrighted material. It is best to avoid these sites as I am sure you do not want the authorities knocking on your door.

However, there are iPhone download membership sites that provide an excellent alternative to itunes. The problem is determining which of these iPhone sites provides the best service. Here are some tips to help.

1. Per iPhone Download Fee vs. One-Time Fee

Many iPhone sites will offer free membership, but then charge you for each file you download, 99 cents or $1.99. If you love your music as much as me, this can get expensive very quickly. Sites that charge a one-time fee are the way to go. You will save a lot of money in the long run.

2. iPhone Music Download Variety

It is true what they say: Variety is the spice of life. You probably want to find an iPhone download site that offers files from all genres of music.

3. File Selection for Movies, TV, and other Media

Having access to a lot of files is perhaps the most important thing to look for if you want to get your money's worth! Fortunately, most iPhone download sites have overwhelmingly large databases, in the range of 100,000,000 files. (That is one-hundred million files!) Also, make sure the site you are looking at offers music, movies, tv shows, games, and software, not just music. Remember, we are trying to get the most for our money!

4. Website Interface

This is an important feature because the easier a website is to navigate, the easier it will be for you to find what you are looking for. Although you cannot see the member's area until you sign-up, you can get a good idea just by browsing around the non-member's area of the site.

5. Free iPhone Software for File Compatibility

A quality iPhone download site should provide you with free software to help you in downloading those movies and mp3s. They should also provide free converting software for files that need to be converted to play on the iphone.

6. Fast iPhone Download Speeds

Does the site offer fast download speeds? Some sites with small servers will put a limit on download speeds in order to allow more people to connect. Look for sites that do not have any such limits.

7. Safety of Files

When downloading anything off the internet, there is always a risk of the files being infected with spyware, adware, or viruses. The best iPod download sites will screen all their files before you download them. Additionally, you may want to have adware scanning software on your computer before you sign up. This is a great back-up just in case any corrupted files slip through the cracks.

8. Reputation

Does the iPhone download site have a good reputation? You can judge this by the credentials they list on their site and through various iPhone related forums.

9. 24/7 Customer Support

Customer Support is a very important thing. The best iPhone download sites will have an extensive FAQ (frequently asked questions) section that covers most common questions. However, don't hesitate to contact a site with a question to determine how long it takes them to respond and in what manner. They should respond to your inquiry within 24 hours. If not, you may want to consider another service.

10. Secure Payment Processing

This usually is not a problem, as most online merchants accept payments through Paypal, Clickbank, or another trusted source. With these companies, you do not have to worry about anyone reading or accessing your personal information.

Did you find this information helpful? You can discover the best unlimited iPhone Downloads at the lowest cost by checking out http://www.TopiPhoneDownloads.comBernelle Blog63033
Amii Blog54990

The King Of Queens (Season 1) DVD Review

A spin-off of the popular TV series Everybody Loves Raymond, King of Queens first hit the airwaves in the Fall of 1998. The show follows the life of Doug Heffernan (played by comedian Kevin James), a package delivery man for IPS (far different from UPS for you litigious-minded readers out there), and the show utilizes much of the same marital and relationship humor found in Ray Romano's blockbuster sitcom. With seven successful seasons under its belt, and even more yet to come, King of Queens is a hilarious comedy series well worth one's time and attention

King of Queens revolves around the life of Doug Heffernan, a hard-working, sports-loving parcel delivery man living in Queens, New York. In his thirties, and married to a lovely woman named Carrie (Leah Remini - who played Carla's daughter on the hit show Cheers), Doug spends most of his non-working hours basking in the glow of his state-of-the-art 70-inch TV with two buddies who share his fanatical love of sports, Spence (Patton Oswalt) and Deacon (Victor Williams). But Doug's personal paradise suffers a devastating blow when Carrie's widowed father Arthur (Jerry Stiller of Seinfeld fame) moves in with the couple. Doug's TV fantasy room is converted into an in-law suite, and after several failed relocation attempts, the TV is pushed into the garage Now Doug and Carrie must learn to share their palace with an eccentric, and oftentimes annoying, father/father-in-law with a penchant for messing up the couple's well-grounded routine

The King of Queens DVD (Season 1) features a number of hilarious episodes including the series premiere in which the audience learns the background of Doug Heffernan and his family. Doug's long rein as the most envied man in his social circle is brought to an end when his father-in-law moves in and takes the TV room for his bedroom. Meanwhile, Carrie's sister, in the midst of her own personal crisis, takes over Doug's bathroom Other notable episodes from Season 1 include "Paternal Affairs" in which Arthur, much to the chagrin of his son-in-law, sets out to "woo" Doug's Aunt Shelia, and "Crappy Birthday" in which Carrie, apprehensive about her age as she turns thirty, asks Doug to ignore her birthday

Below is a list of episodes included on the King of Queens (Season 1) DVD:

Episode 1 (Pilot) Air Date: 09-21-1998
Episode 2 (Fat City) Air Date: 09-28-1998
Episode 3 (Cello, Goodbye) Air Date: 10-05-1998
Episode 4 (Richie's Song) Air Date: 10-12-1998
Episode 5 (Paternal Affairs) Air Date: 10-19-1998
Episode 6 (Head First) Air Date: 10-26-1998
Episode 7 (The Rock) Air Date: 11-02-1998
Episode 8 (Educating Doug) Air Date: 11-09-1998
Episode 9 (Road Rayge) Air Date: 11-16-1998
Episode 10 (Supermarket Story) Air Date: 11-23-1998
Episode 11 (Noel Cowards) Air Date: 12-14-1998
Episode 12 (Fixer Upper) Air Date: 12-21-1998
Episode 13 (Best Man) Air Date: 01-11-1999
Episode 14 (Dog Days) Air Date: 01-18-1999
Episode 15 (Crappy Birthday) Air Date: 02-01-1999
Episode 16 (S'Ain't Valentine's) Air Date: 02-08-1999
Episode 17 (Court Date) Air Date: 02-15-1999
Episode 18 (White Collar) Air Date: 02-22-1999
Episode 19 (Rayny Day) Air Date: 03-01-1999
Episode 20 (Train Wreck) Air Date: 03-15-1999
Episode 21 (Hungry Man) Air Date: 04-05-1999
Episode 22 (Time Share) Air Date: 04-26-1999
Episode 23 (Where's Poppa?) Air Date: 05-03-1999
Episode 24 (Art House) Air Date: 05-10-1999
Episode 25 (Maybe Baby) Air Date: 05-17-1999

Britt Gillette is author of The DVD Report, a blog where you can find where you can find more reviews of movies and TV series. Source: http://thedvdreport.blogspot.com/2006/02/king-of-queens-dvd.htmlBritt Blog95573
Cam Blog13107

Be Safe Dodge the Most Common RV Claims

Avoid becoming a statistic for RV insurance companies.

As co-owner of the largest RV insurance agency in the nation, Ive slogged through my share of claims data and anecdotal claims evidence. So, what can you do to avoid becoming statistical data for insurance companies? For starters, you can take a closer look at what RV claims adjusters tell me are their most common claims events.

RV Hazard #1

Well begin with what I believe to be the most dangerousyet hiddendanger that lurks behind that innocuous-looking refrigerator in your RV. Did you know that fires behind refrigerators account for countless claims each year? One of our insurance companies recently reported that they dealt with more than 450 cases of this type of claim last year.

Have propane lines checked, or do it yourself.

Avoid this life-threatening hazard by having all your propane lines checked by an authorized RV repair establishment each year. If youre a do-it-yourselfer, then you can perform this simple check on your own with an LP gas detector kit. Simply apply the solution to the fittings and youll know if you have a leak.

RV Hazard #2

Have you ever felt like ducking as you approach a low bridge? It should come as no surprise to you that another common type of claim is collision with overhangs, including tree branches and service station overhangs. Do you know the height of your RV to the highest point, which includes the air conditioning unit? You should. Additionally, many times RVers tend to back up their units without an additional pair of eyes to guide them.

Measure your RV and know its height.

I have a suggestion: Measure your RV or peruse the product specifications included with your RV to establish the total height of the RV. Next, write this number on a card or sticky note and post it somewhere within reach. Whenever you back up, have another pair of eyes guiding you so you dont collide with a low-hanging branch.

RV Hazard #3

Did you remember to retract the stuff? Lets talk about retractable steps, TV antennas, awnings and the like. Most of our time spent on the road is in a typical car, and every day we hop in and drive away without thinking. Your RV is a complex piece of machinery, so treat it as such.

Do a walk-around before turning the key.

Most private pilots will do a final trip around the airplane just before getting in and closing the door. I recommend that you take one final lap around your RV or trailer before leaving the campsite. Furthermore, most pilots use a checklist to ensure they dont miss a thing. Be an excellent RV pilot and use a checklist; it will help you remember things you could forget, especially when youre in a hurry.

Follow these guidelines and you can decrease the chances that youll become a statistic for your RV insurance company, and youll avoid forking over money for your deductible. Please feel free to contact RV America Insurance with any questions you have regarding your RV insurance policy.

Paul Bender
RV America Insurance Mktg., Inc.
1-800-400-0186
http://www.RVAinsurance.com

Paul Bender is the founder and Co-owner of RV America Insurance Marketing, Inc. in Simi Valley, CA. RV America Insurance is the largest RV insurance agency in the nation, and has long been recognized as the leading provider of specialty RV insurance through RV dealerships nationwide. RV buyers rely on RV America's licensed agents to provide outstanding value and superior knowledge of RVs and RV specific insurance coverage.

If you would like to republish this article please retain all links.

Paul Bender is the founder and Co-owner of RV America Insurance Marketing, Inc. in Simi Valley, CA. RV America Insurance is the largest RV insurance agency in the nation, and has long been recognized as the leading provider of specialty RV insurance through RV dealerships nationwide. RV buyers rely on RV America's licensed agents to provide outstanding value and superior knowledge of RVs and RV specific insurance coverage. http://www.rv-insurance-coverage.comAshien Blog34998
Alyce Blog36254

Inventory Management Made Easy

Devising an inventory management program that will generate maximum sales and profitability requires an advanced computerized program that is difficult and costly for a retailer to implement, but should be offered as part of the supplier program.

Failure to customize video sell-through programs to the needs of individual stores most often will result in erratic sales performance and lower than expected profitability. Because the dynamics involved in achieving sell-through success are different in each store, the program must be tailored to the individual situation. A cookie-cutter approach that treats all stores within a chain as essentially the same is a sure recipe for disappointment.

The supplier must devise an inventory management program -- including the size of the section, the category of titles to be stressed, the price points to be offered, and the signage and promotions to be featured -- to the particular demographics of the store. As retailers often do not have the time or extra resources to manage the complicated section on a store by store basis, especially with the enormous number of titles involved in video sell-through, finding a supplier who provides that service is vital to cashing in on the category's full potential.

Although many suppliers are now jumping into the sell-through video marketing arena, choosing a company that has extensive video experience in the supermarket environment is important. Properly managing a sell-through section is not easy. Suppliers must not only have a large number of video titles available but also be able to analyze the section's potential for succeeding. To do that, the supplier should already be familiar with the supermarket industry and have a demonstrated ability to provide solid retail support at store level. A successful program requires constant, efficient in-store service by a fully trained, experienced service staff. The supplier must be able to execute at store level.

One solution to ensuring that the supplier selected can fulfill the program's promise may be for retailers to choose a company they already have a buying relationship with or that at least has considerable experience servicing supermarket departments.

Ensuring that the video sell-through program is managed primarily by the supplier -- rather than requiring extensive in-store labor -- can be crucial to maximizing in-store profitability. The difference between staffing the department and selling product and having to run the entire operation -- from selecting titles initially to charting sales to restocking the fixtures -- is significant and can tie up a tremendous amount of valuable time.

The best programs minimize the amount of in-store labor necessary to run the section by providing a complete inventory management service. The other option -- to manage the section in-store with minimal outside help -- is often frustrating and can eventually lead to failure.

For the latest in inventory management software and systems, see: http://www.inventorymanagementinfo.net Inventory Management.Angelica Blog74117
Calypso Blog8733

Collagen for Your Lips

Collagen is an especially popular cosmetic solution for those looking for appearance improvements without surgery. Of the various treatments areas, lips tend to be at the top of the list.

Collagen for Your Lips

As humans age, many things happen to the structures of our bodies. Bones start to become brittle, muscles weaken, and other internal organs also change condition. One of the most obvious parts of the body that sustains changes is the skin. Wrinkles form, the outer surface can become dry, and other parts of the face and neck can droop. Much of this skin transformation can be traced to the fact that collagen begins to degrade as we age, but there are ways to combat this change. Collagen is one way to restore a youthful look to an aging face.

As you get older, the skin on your face may sag. This sagging often is seen in the neck area, but also in the lips which may appear to get thinner and less plump as we age. Collagen treatments seek to remedy this by adding collagen to the lip area, creating a firmer, plumper looking lip. Collagen that is used for lips is often taken from the tissues of other animals, making this an organic solution. As it is organic, there is also a risk of reaction to the collagen which can include allergic reactions such as itchiness, redness, swelling and other signs of allergy.

Another organic way of filling wrinkles used frequently in the face area that is similar to collagen are fat injections. Often, the fat is taken from your own body (in an area that tends to hold more fat, such as the thigh or buttocks), which reduces the risk of any adverse reaction. The fat is then injected into the lip as a temporary plumping agent. Unfortunately, since this is only a temporary type of treatment, many patients have to repeat these treatments to achieve their desired look.

There are also synthetic alternatives to collagen lip treatments. These include Fibril, which is a gelatin powder that is mixed with the patient's own blood to make a collagen like treatment, and Goretex. Goretex is a thread-like material that is placed underneath a patient's skin so that it can add soft-tissue support.

While there are many different ways to surgically and cosmetically enhance your lips, collagen is still considered one of the most popular. Just be sure to consult your surgeon before having this procedure done, and know the risks of allergic reaction before consenting to collagen treatments.

Ricardo de Silva is with http://www.plasticsurgeonpractices.com - a directory of plastic surgeons. Cam Blog86805
Bernelle Blog63033

How To Get The Right Travel Insurance And Save Money

You are ready for your dream holiday, but there is that one practicality left - insurance.

While there is no doubt that travel insurance is necessary, and not something with which you should do without, finding a policy which is not only cheap, but also offers the correct levels of protection for the activities on your vacation can be both daunting and boring.

With countless pages of policy small print and get-out clauses for the insurer, it can seem almost impossible to find what you want for a good price.

The majority of insurance policies do have reasonably comprehensive cover, and can often be purchased including dangerous sports such as skiing. However, the complications arise when it comes to deductibles and health situations, such as pre-existing problems.

For example, what happens if you do need to go to hospital in a foriegn country? Will the insurance company pick up the bill, or will you have to claim and pay at the time. This will not be suitable for a lot of travellers on a lower budget, but is the way that most policies work. There are many gaps and get-outs in travel insurance policies, and you will need to spot them in advance, should a problem arise.

Most policies cover trip cancellation, robbery, lost baggage, medical, dental and accidental death coverage, but you may also find emergency evacuation, insurance against delays, lost documentation and 24 hour travel assistance.

The key to finding the best deal is to shop around yourself - Don't simply buy your travel insurance from your travel agent. Here are a few reasons why:

- The coverage will not be as good.
- The policy will be less flexible.
- It may duplicate areas that you are already insured for.

It may seem like a better deal at the time to buy your insurance from your travel agent, but remember that they are not specialised in this area, and will only be offering an out-of-the-box policy from some partner insurance company, which they will make money off.

As with most things, you are better off doing your research, and arranging it yourself.

When buying your policy from an insurance company:

- Get quotes from as many companies as you can.
- Read the small print. Does it cover your intended activities?
- Can you waive the pre existing condition exclusion.
- Find out what types of cancellation the insurer will not pay out for. Again, it comes to carefully reading the policy details (I know it's boring, but it is necessary)
- Finally, if there is anything you need to know - Ask! There is no point in having the policy if you end up unable to claim.

Wishing you a fantastic trip, and an unused travel insurance policy!

Go to http://www.destroy-your-debt.com/insurance for more information.

Andrew Moore is the webmaster of http://www.destroy-your-debt.com, A site dedicated to providing free impartial advice concerning financial matters, as well as insurance. Visit our Insurance pages at: http://www.destroy-your-debt.com/insuranceAuberta Blog87458
Allx Blog36175

Position House on Lot with Future in Mind

Making the decision to build a new home is a big one and several things will require careful consideration before the first shovel of dirt is turned. Actually, the first things to consider are where you are going to build the home and the size of your lot. From there you can determine if the home plan you are thinking about will fit on the lot and what direction it will face.

If you already own the lot, you will be locked in to the size of the house you can place on it, but if the lot is large enough to hold the house of your dreams, there are considerations that can keep it from turning into a nightmare. The direction the house will face may be determined by the neighborhood or geographic considerations. For example, a steep hill at the back of the lot may prevent your garage from being situated there.

The direction in which your bedrooms will face is also important if there are concerns with streetlights or other structures. Most likely, you are not going to want your bedroom window looking into a neighboring house and your neighbor may not appreciate your loud workshop fronting their bedroom window. While many home plans are pre-designed, changes are possible for most plans or, better still, you can carefully select the plans that fit your lot and your neighborhood that will require the least changes.

If you are a fix-it type person and will be spending a lot of time in a workshop, you will want to plan the shop's location away from the bedrooms. Even if located in the basement, having your shop on the opposite side of the house will make more sense to those trying to sleep while you are working. Work with the architect and with the utility plans to make sure to plan ahead for specific electric or plumbing needs.

Christine Sears writes articles about architectural home plans, new home construction, floor plans, house plans, new construction financing, and more for The House Designers. Browse thousands of Americas most popular plans at http://www.thehousedesigners.com. home plans & blueprints, with free shipping and even a printed catalog available.Arlen Blog38800
Arabele Blog4020

Earning Bachelors Degree Online

Should you get your bachelor-degree online? For many people this would seem hard to do. Depending on the field of study that you plan to get, though, it can be actually quite welcoming and a great way to get in the education that you have always wanted. The online bachelor-degrees are a good way for many to get the education that they need without having to get into a college that is set up traditionally. Online bachelors degree programs are par of e-learning, learning is facilitated through, and based on both computer and communications technology.

In recent years, some of the best universities have gone online offering a variety of courses towards earning a bachelors degree. This is a good opportunity for people with busy schedules who want to earn their degree. Moreover, an online bachelors degree can be attained at ones own pace because they are more flexible, and the diploma or certificate seldom states that its an online program. The number of students choosing to earn bachelor degrees online has increased exponentially in the last ten years. In fact, the majority of people choosing to earn bachelor degrees online are adults well out of high school or two-year programs.

For some, choosing to earn bachelor degrees online is a personal goal that satisfies a desire to accomplish something. But for many, it is to become a competitive force in the workplace. Choosing to earn bachelor degrees online, people can manage to take steps towards professional development and still pay the mortgage.

To qualify for enrollment, you are only required to have a high school diploma or G.E.D. Since no prior college education is required, online degrees are also the perfect choice for someone that must work full time to pay for college.

An online bachelors degree is a four-year college degree that an individual completes and earns through the Internet. The biggest benefit of an online bachelors degree is that it usually takes less time to complete.

Some programs allow students to earn bachelor degrees online in less than four years, depending on course schedule and delivery method. Typically, the course follows a strict delivery method of one lesson per specified number of days. The student receives the lesson, studies it as instructed and then completes a test or assignment based on that lesson.

An accredited bachelor degree is recognized all over the world regardless of whether it was earned online or in a traditional classroom setting. So you need not worry about the authenticity of the online university degree programs. There is a wide range of options for online bachelor degree and online universities. So make sure that you spend adequate time on research and enroll in one of the best, most reputable universities.

There is absolutely no reason for not choosing an online program. The certificate that you will get at the end of the course from the online university will not specify whether you earned an online bachelor degree or a traditional degree. So think before you actually dismiss the idea of earning an accredited online bachelors degree.

After earning bachelors degree, you are qualified to go on to earn a masters degree. Earning a bachelors degree produces one of the greatest financial gains on an educational investment.

This article has been published by Kateri White currently writing on online degree programs topics for our website http://www.onlineuniversitydegreeprogram.info.For more details about the online degree programs, please visit our website. If any mistake found please mail kateriwhite@gmail.com.Annabelle Blog89673
Alice Blog54075

Sofa Bed For Practicality And Style

A sofa bed is one of the most practical and stylish pieces of furniture for your home. The sofa bed combines comfort with style and is a multi purpose unit that is a great space saver. So buying a sofa bed is definitely something to be considered if you want to save space with aesthetic appeal.

Sofa beds are useful as an emergency option when guests drop in unannounced for an overnight stay. The sofa which your guests admire can be transformed quickly into a comfortable bed making your guests admire your choice of furniture even more.

Sofa beds are available in a variety of styles and sizes to suit the tastes of various people. The styling of the sofa is an important consideration because it has to fit in with the design of the room it's placed in, therefore one should be careful in the choice of fabric and color.

When you are thinking about purchasing a sofa bed there are a number of preferences to make with regard to the materials used. The two main ones are leather and fabric. The materials used in the frame also need to be considered carefully, the main choices being metal and wood. You can also get sofa beds that are specially designed with children in mind.

The best cushion designs are plaid, floral and striped so be certain to choose the one that goes with your room dcor the best. For the most refined and top quality sofa bed you should choose from the classic sofa bed collections, these come with superior fabrics and elegant designs which will impress visitors to your home. Special features to look for in your sofa bed are removable and washable loose covers ideal if there are kids or pets in the house.

A sofa bed can be purchase either online or from a store showroom. If you decide to choose the online option you will be given a wide range of choice with some great discounts too. The delivery times are usually quick, so go ahead and check out the latest designs of sofa beds and make your home complete.

Malcolm Moorhouse Web: http://www.finda-bed.com Email: info@finda-bed.com Copyright Malcolm Moorhouse 2006Anne Blog3714
Benita Blog50470

More Than Just Life Insurances

Insurance, as we all know is a form of risk management primarily used to hedge against the risk of potential financial loss. Insurance is defined as the equitable transfer of the risk of a potential loss, from one entity to another, in exchange for a premium and duty of care.

When we think of taking insurance what immediately strikes our mind are the life insurances. Families often consider life insurance as necessary as a sound roof when it comes to protecting them from the harsh winds of fate, especially when children are small. Primary bread earners want assurance that even if worst things happen, the house will be paid for and the youngsters can continue to go to college. But there are many worst things which can happen within once life period like a disability that could knock the family provider out of the workplace. While industry studies show that workers are three to five times more likely to be disabled than die early, disability insurance is often neglected. What is the point of having a life insurance if you are disabled? While premature death tends to have a bigger emotional impact, disability can be equally, if not more, devastating to a family financial stability. Disability can be long term or short term and can be broken down into a number of broad sub categories.

Physical impairments affecting movement.

Lack of amputation of limbs or other body parts.

Sensory impairments, such as visual or hearing impairments

Neurological impairments.

Cognitive impairments.

Psychiatric conditions

The often heard "It won't happen to me" has become a joke as daily someone or the other living in this world is diagnosed with some kind of a disease or other.For example Diabetics is one such kind of a disease that is common among youngsters today.Shocking to hear!!! But true facts are sometimes difficult to accept.With such a situation in hand, there is a high demand not only for life insurances but also disability insurances.

Disability insurances are of two types;

Long Term Disability

Short Term Disability

Based on the type of disability, there are various different policies to suit you need and requirement.

Short-Term Disability policies

Have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years

Long-Term Disability policies

Have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

1. No-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

Additional purchase options

Your insurance company gives you the right to buy additional insurance at a later time.

Coordination of benefits

The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.

Cost of living adjustment(COLA)

The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.

Residual or partial disability rider

This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.

Return of premium

This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.

Waiver of premium provision

This clause means that you do not have to pay premiums on the policy after you're disabled for 90 days.

If you decide to buy a private disability insurance policy, remember that policies are legal contracts.

Read and compare the policies and understand the provisions before you sign.

In comparing policies, you might want to consider:

Is disability defined as your inability to perform your own job or any job?

Does the policy cover accidents and illness?

Are benefits paid for partial or recurring disabilities?

Are full benefits paid after loss of sight, speech, hearing or use of limbs?

Is the policy no cancelable, guaranteed renewable or conditionally renewable?

How long must the worker be disabled before premiums are waived?

Is there an option to buy additional coverage, without evidence of medical insurability, at a later date?

Does the policy offer an inflation adjustment?

There are many disability insurance companies and agents all around the world to offer their services.

Based on once necessities, he or she can choose the best disability insurance to suit their needs.

Sam Rosy is an expert in analyzing the insurance types especially in California and has produced lot of articles regarding the insurance types and its application. Read Rosy articles, and for further more details regarding the Health insurance California and quotes views the site http://www.goodhealthquotes.com. To Contact Sam Rosy its samrosy@gmail.comBrunhilde Blog78443
Addie Blog54651

Educational Toys, Software and Kid's Furniture Enhance Learning and Growth

Educational Toys, Software and Children's Furniture Magnify Growth and Learning

Educational interactive games fosters learning and entertainment all at once. Better any child's educational abilities while using interactive spelling, science, math and language software. A child's schooling is considerably increased as they experience and examine a wide array of challenges and circumstances that enlist well advised educational concepts. Computer programmers along with educators and parents have been able to design software that builds in difficulty as the kid betters in their understanding. They additionally reassure the child to continue trying without causing them to feel as though they've failed. Learning software has been developed for every level, every age group, and every subject imaginable.

Doctor's office toys are ideal for any office or foyer. Kids appreciate time waiting for appointments with doctors when they can play with fun, enjoyable and developmental toys and playthings. With the large selection of activity centers that are available right now, kids should be distracted, entertained and not bothering patients and patrons. Waiting rooms differ in sizes and shapes, which is why activity centers can be found in a large variety as well. We have activity centers to suit the needs of every office.

Kid's furniture helps their creativity to take root and take an active part in their growth and development. To illustrate, children love playing dress up since they're part of a fascinating world allowing dreams to become a reality at least for a moment in time. From art desks to kitchens, your child will love their own, ever developing and changing world of pretend. Locating quality children's furniture that's sturdy, handsomely decorated and enchanting is not as difficult as many think. Just make certain your kid's furniture has a non-toxic coating and is made of real wood (not particle board or compressed wood) to assure durability and high quality.

Maxim and Elenco are two brand names we endorse highly when shopping for the very best educational toys and presents for your children. They specialize in making playthings captivating and educational. With a large range of learning toys that magnify a child's dextral and creativity skills, you cannot miss with any of their products and merchandise. Kids will enjoy working and construction with their busy imaginations. The sky is the limit when playing with these acclaimed toys, playthings and building sets. Your future genius, space explorer, scientist or discoverer should have the ideal beginning for their future--Joy.

Grace West is a content writer for http://www.4thekidstoystore.com who writes about the very best in toys and playthings such as team building toyspuzzles, robotics, train sets and science kits.Calley Blog37390
Brynne Blog68187

Advantages and Disadvantages of Broadband Phone Service

Broadband phones, also known as VOIP are catching on faster than ever. And no wonder, since the monthly cost of broadband phone service, including long distance, is probably cheaper than what you pay to your phone company for just a dial tone. Yes of course you need a highspeed Internet connection that you connect your broadband phone to, but a majority of homes have that anyway, so this is just another service that takes a minimal amount of that speed away, and only uses it when you are having an active conversation on that phone.

Yes, broadband phone service is extremely popular. In fact, about a year ago the number of new phone activations in the US that were broadband phones or VOIP phones surpassed the number of new traditional phone services for the first time in history! Yes, there are advantages, as well as some neat features offered by some (not all) of the broadband vendors. But there are also some disadvantages, so lets take a brief look at both angles.

The Advantages

As stated earlier, broadband phone service is significantly cheaper than traditional phone service. Most broadband phone services include unlimited long distance calling in the continental US, as well as locally. With traditional phones, you either pay a huge premium for the unlimited feature, or even with a discount long distance plan, you are still paying about 2.5 to 3 cents per minute (or more) for long distance calls.

There are many vendors and companies offering residential broadband phone service, it seems like everyone wants to get in on this. But from what I have observed, the most expensive place to get it is from your cable company! Yes, your cable company, the same one who provides you with cable TV and maybe also cable Internet service, will typically offer you broadband phone service for almost TWICE what you can get it for elsewhere. It pays to be a knowledgeable shopper!

Yes, almost everyone has heard of Vonage, and this service can be purchased at places like Best Buy, Circuit City, even Walmart. But again, you are paying about 20% more than you need to, if you realized what else is available out there.

For long distance, some broadband phone plans include Canada for the unlimited calling area, and some also include Puerto Rico. Some like Packet8 have separate plans to allow you to call Europe and/or Asia. Be aware of where you want to call and verify if that is included in the carriers plan.

A word regarding the unlimited part its not really unlimited, at least not according to the definition of unlimited that I read in my Funk & Wagnall. Most carriers allow about 3000 to 4000 minutes per month, then they may call you and ask you about such excessive usage, maybe thinking you are a business (higher rate) or using some kind of auto-dialer (a strict no-no).

The Disadvantages

Remember that with broadband phone service, you make and receive you calls via your highspeed Internet connection. You need to have a GOOD connection, not on the fringe areas of DSL. And if all you can get is satellite Internet, then hang it up, because VOIP on satellite is not going to be pretty at all.

Since you are using your Internet connection, it should be stated that if your Internet connection goes down, so does your broadband phone. Thats right, so if you need phone service and your Internet connection is not reliable, you may want to think twice about VOIP phone service.

Do you run part of your business from your home? If so, is fax any part of that? Today, from virtually any carrier on the planet, fax is not reliably supported, sending or receiving, via a broadband phone connection. If fax is important to you, you will want to have a phone line from the phone company dedicated to your fax machine, or subscribe to one of the online fax services.

Broadband phone service can save you a bundle, but you need to understand your usage requirements and needs before selecting which carrier is best. It is more, MUCH more than different carriers just having different pricing. You need to look at the whole package to ensure you are getting what you think you are paying for.

Jon Arnold is a computer engineer and long-term world traveler who maintains many websites to pass along his knowledge and findings. You can read more about VOIP and a comparison of popular VOIP offerings at his web site at http://www.broadbandphoneinsideinfo.com.Adria Blog81934
Bella Blog63179

3 Simple Methods To Building A Profitable Opt In List

As more internet based businesses surface, the need to develop new marketing skills and knowledge based on this new medium have become somewhat of a challenge for the newbie.. More and more marketing strategies are being discovered and developed to cope with the changing face of the business world.

One of the strategies that all successful online business people agree upon is the opt-in list. Opt-in marketing requires the permission of a willing customer to subscribe to your marketing materials, materials that take form in newsletters, catalogs and promotional mailings via e-mail. The more opt-in marketing mail is sent, the more chances there is to bag sales and more sales. To do this, you must build a list of all those who wants to subscribe to your opt-in marketing list. This may sound easy enough but many new entrepreneurs find that they build their list and still nothing happens.

So what could have gone wrong? Why have others succeeded where you have failed? The most common mistake is that you dived straight in. You chose a topic that you thought would be quite popular and would earn you money. This is just not the case. Just because you wrote for people from your list doesnt mean they are going to buy instantly.

Here I will offer some advice. For those who have started an opt-in list and have failed, you can rejuvenate your failed venture. For those who are starting, here are three quick and easy ways to build a profitable opt-in list.

1) Put up a good web form in your site that immediately follows the end of your content. While some may say this is too soon to subscribe for a website visitors application, try to remember that your homepage should provide a quick good impression. If somehow a website visitor finds something that he or she doesnt like and turns them off, they may just forget about signing up.

A good web form for subscribing to an opt-in list is not hard to do. Just write a simple short statement about how they would like to see more and get updated about the site. Then there should be an area where they could put in their names and e-mail address. This web form will automatically save and send you the datas inputted. As more people sign in, your list will be growing.

Write as many articles as you can. Write about the topic you know and have started and used for your site. Try to join forums first to gain knowledge about your customers, about their wants and needs, and target those wants and needs. Join forums from other sites as well. Provide expert advices and recommendations. Put up a link to your site so that they may be able to see what you're business is all about.

The certain truth is, the money will only come in when the consumers and subscribers believe and trust in you. They want a product or service that could be a good exchange for their money.

2) Find a product or service that people want and need. Although it may not be your forte, if you provide a service and product that you have researched and learned about well, you can carry it on forward. Invest your time, effort and money that you could sell as well as the buyers or subscribers of your opt-in list can use.

While it is true that it is best to sell something that you have interest in, there are not many people who have the same interest as you if you decide to sell something that is not entirely popular or profitable. Do your research well and you would see the profits come in. Also provide your subscribers with promotional material that they could actually use and spread around.

Provide good service and products. A return customer is more likely to bring in more business. Even then and now, a satisfied customer will recommend a business always. Word of mouth and recommendations alone can rake in more business than an expensive ad. As your clientele roster grows so shall your list. With more members on the list, the more people will get to know about what you have new to offer.

3) Make friends with other opt-in list users. This is basically beneficial especially if it is someone who has already launched a successful opt-in list. Experienced opt-in list users will be able to tell you what to do and what not to do because they have gone through it. While different situations occur for different people, the general concept can still be very helpful. There are many things to avoid and these people will be able to tell you which ones. These are people that have the experience in this venture and experience is still the best teacher. While there are many articles available for you in the internet to use, there is nothing like getting a first hand account from someone you trust.

Never lose the trust your customers have entrusted you. If you provide e-mails to others and they get spammed, many will probably unsubscribe to you. Remember, a good reputation will drive in more traffic and subscribers as well as strengthen the loyalty of your customers.

Building a profitable opt-in list dont just happen overnight. There are many preparations and effort to do. Opt-in lists are built from scratch, as your list grows, you should also maintain the quality of your list. Keep it organized and manageable. Get or hire help if need be, just make sure that your subscribers are happy and satisfied and they will be willing to buy from you. These are the people who have liked what they have seen in your site and have decided they want to see more and maybe even purchase what ever product or service your company and site has to offer.

Anne Wolski has worked in the health and welfare industry for more than 30 years. She is the owner of http://www.mummansun.com, a discount retail outlet, and a co-director of http://www.betterhealthshoppe.com which is an information portal with many interesting medical articles. She is also an associate of http://www.timzbiz.com which features many articles on internet marketing and resources.

Anne Wolski has worked in the health and welfare industry for more than 30 years. She is the owner of http://www.mummansun.com, a discount retail outlet, and a co-director of http://www.betterhealthshoppe.com which is an information portal with many interesting medical articles. She is also an associate of http://www.timzbiz.com which features many articles on internet marketing and resources.Ardra Blog76316
Ardelia Blog8173

Acidity verses Alkalinity

While I originally started to avoid this subject like the plague, I felt the need to at a minimum address it because there are so many widely differing view points on what this actually means, what to do about it and how this really affects your overall health.

I was very happy to find that the Chief Science Officer at Univera LifeSciences, Steven Cherniske, had published a very informative article, The Acid Alkaline Mystery Solved, on this very subject. For any of you that have read any of Stephen Cherniskes work, you will not be surprised to see that it comes complete with all the references that you could hope for and the straight hard facts on this very confusing subject. As a result of this finding I am not going to attempt to do the subject justice, by trying to recreate an article of equal caliber. Verses re-inventing the wheel I am going to simply hit some of the high points for those of you who would prefer the cliff notes version. For those that would like to read all of the details I will leave that to Stephen and his article, The Acid Alkaline Mystery Solved.

First of all what is an Acid or for that matter an Alkaline substance? These substances are measured on a pH scale with water being neutral at 7.0. With values less than 7.0 being acid and the lower the pH value the stronger the acid. As you may have guessed alkaline (or base) substances have a value greater than 7.0 up to a maximum of 14. By now you may be wondering where our bodies should fall on this scale. First of all when we speak of an acid/alkaline balance in the body we are talking about the pH balance of our blood and tissues that should remain in a fairly narrow range of about 7.4 slightly alkaline.

The real heart of the matter here is the byproducts of the digestion of foods that we consume and absorb. The biggest contributors to the fact that ACIDOSIS is at an all time high are the facts that most Americans are consuming beef and/or poultry multiple times per day, Americans are now consuming more soft drinks than water, consumption of coffee (caffeinated & decaffeinated) and lastly the processing of many of our foods have removed all of the alkaline forming minerals. When thinking about the foods that we consume you can not take the natural state of a food as the prime indicator of how that food will interact with our bodies. As an example, most fruits when consumed will result in an alkaline ash residue once digested even though naturally they maybe very high in acid in their natural state, even oranges.

The primary acid forming foods in your diet contain the minerals, sulfur, phosphorus and iron. Typically you will find these minerals in proteins, such as meat, fish, poultry, eggs, grains, most nuts and soft drinks (due to the high phosphate levels).The minerals potassium, calcium, magnesium and sodium form alkaline reactions in the body and are found primarily in fruits and vegetables, and so these foods are classified as alkaline forming foods. As many of you are aware the consumption of alkaline-forming vegetables and fruit is at an all-time low. This has resulted in an increase of acidosis which accelerates catabolic damage and impairs our bodies anabolic repair processes. One of the best examples is the fact that it has been known for a long time that diets high in protein greatly increase the risk of osteoporosis. While there are many theories on this subject it appears that the body is simply taking from one part of the body to help support other systems that have been depleted due to the body staying in such a high state of acidosis.

In an attempt to help us make this shift in our diet Univera LifeSciences has created MetaGreens. MetaGreens is extraordinary mix of land and sea vegetables, all of which are rich in alkaline minerals. I take great comfort in knowing that these greens are pesticide-free, grown on high-nutrient soil that has never been chemically fertilized. Additionally, Univera LifeSciences takes great care to ensure that the vegetables are harvested at the peak of their nutrient value and then these ingredients are processed by low-temperature dehydration to retain all the raw food goodness and manufactured in small batches to maximize freshness.

While the words stomach acid have a negative connotations for many of you it is because you have been brain washed over the years by the non-stop advertisements about how excess stomach acid is causing all of your discomforts. While I would be able to spend days address this issue I will pass. For those of you that want to read a very well presented explanation of why our stomach acids are in fact a good thing please read Stephen Cherniskes article. For myself I continue to rely on Univera LifeSciences Aloe Gold product to help keep my digestive track in order and functioning properly. For those of you that have not tried Aloe Gold take a moment to ask anyone that have used the product and I am very certain you will hear fantastic praises about how it has helped them with numerous digestive track disorders.

I hope that you have found this latest entry to be of interest and most of informative. While I have barely scratched the surface here I hope that I have helped to clear up some of the confusion associated with the Acid Alkaline debate. For those of you that are hungry for more on this I can not recommend highly enough that you read Stephen Cherniskes article the Acid Alkaline Mystery Solved.

Reference:

1) AcidAlkalineMysterySolved - http://www.aginghealthier.com/pdfs/AcidAlkalineMysterySolved.pdf

2) Stephen Cherniske, M.S., The Metabolic Plan, The Random House Publishing Company, 2003, ISBN: 0-345-44102-8, http://www.themetabolicplan.com/

3) Natural Health School - http://www.naturalhealthschool.com/acid-alkaline.html

Glenn Antoine has spent 25+ years researching and learning about nutrition, supplementation and physical fitness in an attempt to not only improve his quality of life, but the lives of all those that he comes in contact with. Please visit http://blog.aginghealthier.com for great information on the topics of Anti-aging, Wellness and physical fitness. Checkout http://www.aginghealthier.com for some of the best products available on the market.Cairistiona Blog53012
Barbie Blog62848

The Top 12 Commercial Mortgage Loan Problems To Avoid

This article describes 12 recurring commercial mortgage problems that commercial borrowers and their advisors need to anticipate before it is too late. The following problems are common in traditional bank commercial real estate loans and should be avoided if feasible (special circumstances will periodically make some of these terms unavoidable).

Key Problem Number 1:
Tax Returns versus Stated Income

Most traditional banks will require several years of tax returns in order to qualify for a commercial real estate loan. The alternative is to use a Stated Income Lender that does not verify personal income or assets. Many borrowers will simply not qualify for a commercial mortgage loan if tax returns are used due to high business expenses (and low net income). Many lenders using tax returns will also continue to verify income after the loan closes. Stated Income Lenders will not engage in this practice.

Key Problem Number 2:
Special Purpose Properties

It is becoming increasingly difficult to get commercial loans for special purpose properties. Properties that do not fall in the categories of apartments or retail/office buildings are often placed in this special purpose classification. This means that business acquisition loans for commercial properties such as restaurants/bars and auto service businesses are frequently hard to find. Commercial financing will be even more difficult to locate for such specialized properties as churches, funeral homes, nursing homes and assisted living facilities.

Key Problem Number 3:
Recall/balloon features

These terms are used by many banks to effectively shorten most business acquisition loans to 3-7 years.

Key Problem Number 4:
Short-term loans (less than fifteen years)

15-40 Year Commercial Property Loans without recall/balloon features are available.

Key Problem Number 5:
Up-front Commitment fees

Under most circumstances, commercial borrowers should not pay such a fee. Please note that processing/retainer fees are not included in this discussion of commitment fees. Processing/retainer fees should be viewed as an acceptable and standard business practice when dealing with commercial loans.

Key Problem Number 6:
Business Plans

Under most circumstances, commercial borrowers should not use a lender that requires a business plan.

Key Problem Number 7:
Cross-collateralization

Commercial borrowers should not be required to use their personal assets as collateral for a commercial property loan.

Key Problem Number 8:
Sourcing and seasoning assets. Seasoning of ownership.

This particular problem will not be relevant to all business borrowers. However, if it is relevant, you should seek out a lender without sourcing and seasoning requirements or limitations. Most banks have strict guidelines for sourcing and seasoning of assets or ownership to qualify for commercial real estate loans. For a purchase, commercial lenders will frequently want documentation about where the down payment is coming from (sourcing). Commercial lenders will also frequently have very specific requirements stipulating that the funds must have been in a specific account for a specific period of time, often 3-6 months or longer (seasoning). Seasoning of ownership is similar to seasoning of funds, except this requirement involves the minimum time someone has owned a commercial property before they can refinance the property.

Key Problem Number 9:
Requirement to sign IRS Form 4506

IRS Form 4506 authorizes the lender to obtain a borrower's tax returns directly from the IRS. This form is routinely required by most traditional banks and many other commercial lenders for a business acquisition loan. Commercial borrowers using a Stated Income Lender with Limited Documentation Requirements will avoid this requirement.

Key Problem Number 10:
Debt Service Coverage Ratio (DSCR) in excess of 1.2 for a business acquisition loan

The most flexible approach to DSCR for a commercial property loan will require a DSCR in the range of 1 to 1.2, with exceptions permitting a DSCR less than 1.

Key Problem Number 11:
Minimum commercial property loan size that is too high for your commercial mortgage needs.

It is not unusual to encounter a minimum commercial loan requirement of $500,000 to $1,000,000.

Key Problem Number 12:
Excessive length of the commercial real estate loan process

Many traditional banks require three to nine months to close a commercial mortgage. A more action-oriented commercial lender will close a commercial mortgage loan in 45 to 60 days.

For a free online six-part commercial mortgage course that addresses all of the problems described in this article, please visit http://steve.bush.googlepages.com/course or http://aexcfgllc.com for free enrollment information.

● © 2005-2006 AEX Commercial Financing Group, LLC ● All Rights Reserved ●

Steve Bush provides commercial financing assistance throughout the United States and focuses on more difficult commercial loans. He is the Chief Executive Officer of AEX Commercial Financing Group, LLC ( http://aexcommercialfinancing.com ) in Ohio. His toll-free number is (888) 593-3951.Aarika Blog6160
Cathy Blog67057

Ways to Find Discount Home Owners Insurance

If you are looking for a cheap home owners insurance, you often have to compromise with the price; the more expensive the better policy. Although this is the main rule, there are some exceptions. One of these exceptions is discount home owners insurance. How do you find it?

Have You filed claims the last couple of years?

If you haven't filed any claims for a couple of years or so, you might be able to save some money to the tune of 15% on your premiums. Also, if you use the same insurance company for a couple of years, that will also look good and you can save bucks.

Why Not Get Multiple Policies From The Same Provider

It might be a great solution to get it all together ? auto, home, health, travel and whatever other coverage you need to get under the same company, you can save lots. This can chop off a wopping 10-15% of your premium. All it takes is just a little bit of planning!

Are You Protected?

It's standard for many companies to offer you a discount if you have things like burglar alarms or smoke detectors installed. You might also have one that is connected to a third party monitoring company. That will save you even more bucks.

Know Where The Nearest Fire Station Is

There are a few things in terms of location that can alter your premiums. If you live far from a fire station or fire hydrant, you'll normally have to pay more. The opposite is the case If you live within the city limits; them you will pay less on your premiums, compared with living out in the sticks.

The Building Materials of Your House

What your house is made if will actually make a difference in how much you pay. For example, wood houses carry higher premiums than good, solid concrete structures.

Higher Payments On The Deductible

If You can afford it, you should pay as much as possible on your deductible, thus your premium will be lower. If you are able to pay something like $200 or $1000, you can bring that premium down as much as 20%!

Stop Smoking!

Non-smokers will save cash; even as much as like 15% in many cases. Check out if the company you use offers a deal for non-smokers.

Now, after I have provided you with a few pointers to help you save cash on your house you might be ready to buy your home owners insurance. Anyway, you should consult your agent. Most insurance agents also know of some tricks to get you out of paying piles of cash.

Marvin Toller is a writer and internet publisher who likes to write about nsurance issues. You can read more on the news and in depth information website http://www.best-cheapest-homeowners-insurance.comAmmamaria Blog80728
Amata Blog67412

Debt Consolidation vs. Debt Settlement

When you realize that you have a debt issue going on, you have several options to choose from: do nothing, create a budget, seek credit counseling, get professional debt consolidation help, opt for debt negotiation & settlement help from a specialized company or file for bankruptcy; this last option should always be considered as the last alternative in mind because of the consequences brought upon as result of it.

However, if you are looking to release yourself from debt, you should define your plan towards the following goals: lowering the amount of your debt, getting on a fixed payment plan that is comfortable for you and making sure your credit rating improves as result of this process.

First, you should know the differences between:

- Debt consolidation &
- Debt negotiation and debt settlement

Debt Consolidation and Debt settlement has its advantages and its disadvantages. Nevertheless, they both have one main objective in common, to free the consumer from debt.
Remember, it is very important to completely understand how every step of the process works in order to know which to apply to.

In debt settlement, negotiations take place with the creditors. A debt settlement companys main goal is to convince the creditors to give up a share of the money owed by the consumer.

Here is an example to further clarify this process: lets suppose that a friend of mine, James, borrowed $1600 from me. After a while, when I told him to pay me my money back, he said, Nancy, I only have $700, would you settle for those $700 upfront and forget about the remaining $900. Occasionally, creditors take these type of offers into consideration because sometimes it is more expensive and time consuming to recover the rest of the money. So, its worth it to stick to what the consumer offers in order to settle the account.

Although at first, this seems like the best of all opportunities, it also has negative consequences:

- It will appear on your credit report for as long as 7 years, as a negotiated and settled debt, so any future creditor will check for this info, and that, could avoid you from getting any future credit or loans
- All future creditors will understand this as a warning that you did not fully pay your past debt.

So the question is, When should you choose debt consolidation or debt settlement?

- People that have pending balances with several creditors should choose debt consolidation
- However, if you are in a great amount of debt, do not see any possibility of repaying those accounts off, and taking bankruptcy into consideration, then you should opt for debt settlement.

Check these links to learn more:

http://www.bill-consolidation-and-debt-negotiation.com/consumer-credit-counseling/NJ-New-Jersey/Consumer-Credit-Counseling-NJ-New-Jersey.shtml

http://www.bill-consolidation-and-debt-negotiation.com/consumer-credit-counseling/NY-New-York/Consumer-Credit-Counseling-NY-New-York.shtml

Nancy Smith is a contributing writer to http://www.bill-consolidation-and-debt-negotiation.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Debt Settlement Information and Debt Help Consultation, call toll-free 1-877-850-3328.Caitlin Blog48276
Arlyn Blog63327

Tired Of Sea Swimming, Beach Life And Hot Summer? Visit Prague!

The holiday season - the best time for travelling - has already come and I am ready to invite you to one of the most beautiful cities in the whole world. Do you plan to spend this summer in Prague? Would you like to know how to enjoy your stay in the capital of Czech Republic? Or do you sill hesitate what to do in the late summer? I have some useful tips for you all.

Prague is a city of many faces. It has its long and sometimes mysterious history, breathing from each building in the old centre. On the other hand, it is a modern city with a lot of new.

The first thing you come across when browsing through any Prague's tour guides is surely Prague Castle, Charles Bridge or Old Town Square. These three places are undoubtedly the main points of Prague?s history, connected with many important persons and occasions. They are really worth seeing. Because of their popularity, they are almost anytime too crowded, therefore not so safe. If you are early bird, I do recommend you to come there in the early morning, when you can walk freely without any noise and people and feel and smell the magic of unforgettable city. For those, who like trips with tour guides, there are some agencies organising various tours through Prague. You can choose the right thematic walk just for you.

My second tip is connected with typical Czech cuisine. Czech beer is almost world known, but what about Czech meals? Have you ever tried garlic soup, bouillon with vermicelli, roasted sirloin beef in sour cream sauce with dumplings, roast pork with sauerkraut and dumplings or dill sauce? If your answer is "no", you meet with a part of our culture in any Czech restaurants in Prague. There is a variety of typical Czech restaurants that offer Czech cuisine, Czech beer and Czech folklore as well. In this way you can enjoy your evening with very good meal and also get to know character of local people.

Do you prefer night life to sightseeing? Prague is ready to meet your wishes too. You can make a choice for many music clubs in the whole city where you hear music of all genres - everything from jazz, pop & rock, oldies, ska or reggae to dance music, hip hop, house, metal or punk. Whatever you like. Most of them are situated in the centre - on Wenceslas Square or within a walking distance from there. Of course, there are a lot of other possibilities how to spend your night - sailing on the Vltava River, night Ghost tour through Prague or visiting theatre or multiplex cinema.

My last tip is mainly for families with children. Small children don't want to sight-see the whole day that's why I recommend you a visit of following places. There is one place that is never failure for small travellers and it is a Zoo. Prague's Zoo belongs to the largest in Europe. It has a lot of programmes for visitors such as feeding of animals, their presentation or training. The popularity of Prague's Zoo still rises.

The second possibility is the new aqua park with swimming pools, toboggans, whirlpools or river with back flow. In addition, there is a massage and wellness centre with sauna to your disposal. The new aqua park is very nice place for enjoying the day with the whole family.

Prague is an amazing city with a lot of opportunities what to do and you can never be bored there. See you in Prague!

Veronika Traveliana likes to travel all around the world. Currently she resides in Prague and works at Prague Hotels and Apartments Agency http://www.traveliana.com that serves Prague explorers with accommodation, tours, walks and other Alicia Blog34103
Alta Blog40191

How to Refinance Your Car Loan and Save Monthly!

Paying your monthly bills can always put a hole in your pocket at certain times of the month, so it really pays to find new ways to save money. Mortgage payments and car payments are both bills that will specifically take large chunks of your bank account.

Finding ways to save on your mortgage payment is not always that easy. But one of the easiest ways to save big bucks on your monthly bills is to find ways to save on your monthly automobile payments.

If you have a good credit history or if you have a better credit history than when you originally financed your car loan, you may be eligible for a lower interest rate through your existing company or through another types of finance companies.

Personal Loans or Unsecured Loans

A personal loan or unsecured loan from a financial institution are two ways you can possibly get a lower interest loan. Banks are more strict thank other institutions when it comes to qualifying for a loan, but if you have an existing relationship with the bank, such as a checking or saving account, you may have a good chance at finding a better loan.

Some independent financial institutions may have better loans for you, but their interest rates tend to be higher than banks. Even though these rates tend to be higher, you may still find a lower interest loan than your current loan.

Loan Secured by Your Automobile

Some banks may simply give you a lower interest loan secured by your automobile. Doing a loan this way ensures that your bank has some type of collateral in case you do not pay your loan. Usually, banks require that your car be no older than 8 years old to qualify for this type of loan.

Credit Card Advances

If your loan balance is low enough or if your credit card limit is high enough, you may be able to get a lower rate by using your credit card. If your credit card interest rate is lower than your car loan rate, this is something you may to look at financing your car this way.

Search Online for Companies that Specialize in Auto Refinancing

Let Lenders Compete for Your Business

If you decide to look online for a loan, you will find that there are sites where you can apply for a loan and have lenders compete for your business. You only have to fill out one application and hundreds of lenders will evaluate your loan and give you an idea of the rates and terms you qualify for.

These are just some of the ways you can lower your monthly car payment through refinancing. The main point of refinancing your car loan is to find a place that will provide you with a lower interest rate than the company that currently holds your car loan.

Just to let you know, you may face some obstacles in refinancing if you have not paid your loan down enough. In this case dont be discouraged. Just find out how much you need to reduce your loan and focus on paying down your loan more.

Lowering your monthly car payment is an easy way to help you save big bucks in tight situations. If you have been on time with most of your car payments, you have a chance at finding a lower rate. You just need to find the right resources that will help you. If you find that you dont qualify for a lower rate, be sure to ask your loan provider how you can meet the standards of the lower rate loans.

Rod Davis is a loan officer and chief writer of the http://www.FinancialMailbox.com Newsletter where he writes weekly articles and guides on saving money, credit improvement, debt reduction, investment, finance and Real estate. You can learn more about refinancing your auto loan at http://www.autoloans.FinancialMailbox.com.Beth Blog23055
Arleyne Blog81090

Cheap Web Hosting

Getting set up with cheap web hosting can be a challenge these days in the world of web hosts that provide services like domain bundling, name registration, and free email to get users aboard. Many of these services end up costing you more than a traditional basic hosting account would in the first place, and therefore web hosting can be a hard thing to find for those looking for a bargain. Many people looking for cheap web hosting end up settling for a bundle deal that isnt what they wanted. In order to get cheap web hosting one must first figure out what his or her needs are, and how best to meet them. This is not easy when it comes to cheap web hosting, because what your needs require may not be the same services offered by any given host. But taking the painful steps of identifying what your web hosting needs are will greatly enhance the ability and chances of finding the best deal in the end.

Most web hosts base their packages on bandwidth and storage space. This means that in order to get a deal on cheap web hosting, one must settle for less bandwidth, and less storage space. How much storage space do you need? Are you going to be hosting large files? Are you going to be hosting large amounts of email addresses, and various data? These questions need to be addressed before one can truly find cheap web hosting. Further, how much traffic you receive each day will have a lot to do with the cost of web hosting. If the traffic is moderate to light, you can expect to get a cheap web hosting deal without problems. If on the other hand there is a lot of traffic headed to your site, more bandwidth might be needed to keep it up and running.

Shopping for cheap web hosting is not an easy task simply because there are so many options today. Everything from basic beginners web hosting packages, to deluxe advanced web hosting packages for those running dedicated servers, and virtual servers as well. Making the most out of each package can be hard and therefore it makes sense to compare services.

One of the most popular hosting websites on the net today is godaddy. This website is the benchmark for cheap web hosting, and offers a variety of packages. The godaddy website is best known for its cheap domain registration. Godaddy also offers its users a variety of web hosting packages to fit most anyone's needs.

Another great web host is yahoo business. This website is based upon the need of small businesses looking for an easy way to host a merchant account ready website. This website hosting company provides cheap web hosting solutions for any small business that needs it.

In dealing with cheap web hosting it is important to compare all the options before making a choice. A good spot to compare services is Review Place, a website based on customer reviews of products and services. At Review Place you will be able to look at the different services, and figure out which one works best for you. It is important to compare prices and see what is offered. It will be easier to make an informed choice about what it is that you need, and which service you want to sign up with.

Andy West is a freelance writer for ReviewPlace. For more information and reviews of Cheap Web Hosting, please visit ReviewPlace at http://www.reviewplace.com/cat-372-InternetBusinessTools--Web-Hosting.html.Bobbee Blog23203
Cassaundra Blog25142

Event Marketing How To Plan An Event

Are you in charge of arranging an event, but have no clue of how to go about it? Dont panic, we are here to help you with the basics of planning an event marketing program. And we bet you will be successful if you consider the following points.

No matter how large or small, every event marketing activity needs to be properly planned. While each event is different, there are some general guidelines for the way you can plan all of them. Follow these tips when you organize that special day.

1. Get a clear understanding of the purpose of the event marketing promotion. An organizational event needs to be clearly defined, in order to focus all efforts towards the desired goal. Its important to know the significance behind the event and the anticipated outcome. For example, is it meant to create awareness, induce trial or promote sales? Analyze the actual results of the event marketing activity against these objectives.

2. Set the key deliverables for your event. How many people do you expect? What do you wish attendees to gain from the event? If its a regular event, are you trying to get a larger turnout than last year? The answers will help you plan things better.

3. Set your event budget. This should be a top priority. Set a strict working budget, plus have some extra money put aside in case something unexpected comes up. Keep in mind how much you are willing to spend and potential revenue generating factors, like a registration fee.

4. Select the date and location of the event. Always keep options open and visit a couple of sites before you take a decision. This will help you plan the entire event depending on the availability of room and other facilities such parking, lighting, computer and internet access etc.

5. Set up a project timeline and work backward from the date of your event marketing program. Decide deadlines for each activity, such as the first announcement of the event, preparation of promotional materials, finalization of seating arrangements, recruitment of vendors for food, entertainment, decorations and the list goes on.

6. Some events need special permission or licenses to host them. This could be for anything, such as permission to use recorded music, providing security or maintaining traffic control. All this should be done very much in advance, without pushing it till the last moment.

7. If you are publicizing the event then what is the medium of reaching the targeted audience? This might include distribution of pamphlets, pre-printed invitations, mail, announcements or any other media.

8. Plan for emergencies. Write down all the fire exits, and have an evacuation plan on paper ready, in case of emergency. Accidents rarely warn in advance; hence hope for the best, but prepare for the worst.

Its important to prepare a check list and follow up with vendors on regular intervals. Take time and jot down all the important points and make sure you dont compromise on the quality in order to hack down your budget. We are sure you now know a lot more on how to plan that event marketing program.

Hi, I am Akhil Shahani, a serial entrepreneur who wants to help you succeed. Over the years I have run many successful businesses & made many mistakes on the way. I have created http://www.aykya.com to help you benefit from all I've learned on my journey. Please visit us & download our special 'Freebie of the Month' as a thank you for your visit.Alida Blog9030
Cathryn Blog94711

New York Foreclosure Listings Still Below Nationwide Average

New York foreclosure listings exist but the properties move fast. The population of New York is ever growing, New Yorkers do not want to leave their city, thus making real estate a hot commodity. When a New York homeowner faces financial difficulties and begins to default on their property, its rare that it actually ends in foreclosure. There seems to always be a buyer for a New York address.

First of all, the New York homeowner is awarded time due to state laws. For a home in New York to be foreclosed by a lender, a court order must be rendered. This buys the homeowner time for several options.

The first option is to attempt to refinance. Many times a homeowner that is not meeting their mortgage commitment doesnt have a stellar credit history, however, there are lending institutions offering programs that have been developed for this situation. Countrywide Home Loans, for instance, has a subsidiary which now offers different financing options for homeowners who have fallen on hard times and need help keeping their homes and getting back on their feet. This is accomplished in a number of different ways, adjustable rates, interest only for a period of time or even a greater than 30 year life of the loan. These programs allow the homeowner to keep their home at a lower monthly payment and to continue to gain equity. Most importantly, it offers the homeowner time to fix their finances without the added stress of losing their home.

Another option is to place the home on the market. Since real estate is a hot commodity, many homeowners have the availability to sell their home to get out from under the financial commitment to their lenders. The important step here is to make sure the proceeds from the home sale covers the financial commitment still owing to the lender. The homeowner should present the house in its best light, and attempt to walk away with some of the equity that hopefully has accumulated. If a house is found on a foreclosure listing, even as a preforeclosure, there will be floods of low ball offers. The homeowner may be pressed to entertain these offers, however, needs to be certain that he can walk away from any transaction avoiding the negative mark of foreclosure on his credit report.

The lenders loss mitigation department may offer or extend to the homeowner any number of additional options. If a homeowner finds their property on a New York foreclosure listing, to act proactively and responsible is the best way to get resolution to the matter.

Bob Smith is a freelancer but regularly writes for ForeclosureListingsNationWide.com. You can get more information on New York foreclosure listings at http://www.foreclosurelistingsnationwide.com.Ceil Blog67760
Cary Blog63902

Finally, The Truth About Paid Surveys

One of the easiest ways to earn money online, as discussed on my website, is to use paid surveys. While not nearly as lucrative as affiliate marketing or auctioning on eBay, you can still make a nice sum of money with paid surveys.

The first thing I will say is that surveys will not make you an overnight celebrity or millionaire; it is simply a great way to put some extra money in your pocket without doing much work. One thing that irks me is when companies want you to believe that you can fill out a 5-minute survey and make 25 dollars. Let me tell you, I wish that were the case. Most surveys will take at least 20-30 minutes to complete and pay anywhere from $1-10 dollars. Yes, there are some $25-50 surveys, but they are not common.

But what if you were only to take the surveys that pay top dollar and forget about the lower paying ones? The problem with that is after you register with the survey company, you will need an invitation before you can take the surveyyou cant just choose any survey you want to take before you receive an invitation (if that were the case, everyone would only fill out $50 surveys).

Remember, you receive invitations according to your profile. And this goes for most of the survey companies.

As I mentioned earlier, the surveys you get invited to usually pay you anywhere from 1-$10 dollars. So common sense tells anyone that they will have to be registered with many survey companies to even make a decent amount of money. You dont have to register with all the survey companies all at oncea few registrations a day will suffice. With that being said, the more surveys you sign up for, the more chances you will get to make money.

Side note

Please dont feel disappointed in the beginning because of all the $1 surveys in your mailbox; keep on registering with quality survey companies until you start to see those $6-$10 (even $25) offers. After a while, if you keep filling out the low paying surveys, you will see more and more of the much higher paying surveys. Patience is very important in the beginning.

Why would companies compensate me for taking a survey?

The purpose of a survey is to gather peoples opinions on different products and ideas that companies continually come up with; this can be anything from item design to movie scripts. These companies need opinions from real everyday people like you and me to get insight on their products before they hit store shelves. And they are willing to pay us for our opinions.

Have a good time

Taking surveys, to me, is actually fun. It is not stressful and you can get make several hundred dollars a month doing itassuming that you do things the right way.

Not only is it fun, you get to see products, movies, and services before they are presented to the public. I actually completed a movie survey on Snakes On a Plane 5 months before its theatrical release.

Register with the best research companies

As fun as surveys can be, one problem that I found with taking these surveys is that not all of them are worth taking. This is why it is important for you to register only with quality research companies.

You can find some good paid surveys manually and it wont cost you anything.

On the other hand, you can join a paid database, like SurveyScout, that has all the quality paid surveys in one place. While some of the research companies in SurveyScout can be found individually for free, the simple setup, cohesiveness, and registration bonuses that SurveyScout gives you are more than worth the one-time fee they charge. I review SurveyScout on my site.

Here is your reward

Lets talk about what some companies actually give you when you successfully complete a survey. Many companies give you gift certificates, free music downloads, DVDs, and electronics; some will enter you into a cash sweepstakes upon completion of a survey (where you can win a portion of the prize money). You will usually know what you will get for completing a survey before you start (check your survey invitation for details).

Some people tend to decline these kinds of survey invitations because they dont pay in cash; but do not dismiss the non-cash prizes. At times, they are just as good as cash rewards. Say you get a free DVD player or another type of electronic device (MP3 player) as a prize; most likely you were going to buy one anyway, so why disregard prizes such as these? When a survey says you get a gift card or prize once its completed, dont dismiss it.

I think we are about ready to start

Now that we got some of the basics out of the way, you now know that paid surveys are a great way to supplement your income.

Lets move forward to the first rule

Rule #1: Create a separate email account for your survey registrations and monitor it everyday

Set up an email account with Yahoo so you can use it only for your survey registrations and invitations. Please do not use your main/primary email address when signing up for surveys. Often times, people are spammed if they are not careful when registering for surveys. This is the best way to protect yourself against spam.

Rule #2: Dont entertain any bonus offers when registering for surveys.

When registering for surveys, sometimes you will see all sorts of bonus offers from other products/companies; my advice to you is to hit the no, thanks button and continue on with registration. If you dont, you will most likely be subjected to spamthat is another reason why I recommend you open up a free email account with Yahoo or Hotmail: just incase you accidentally agree to one of these offers.

I have been a victim of this, where my name and email address were sold to a third party and I actually had to change my email address to stop the spam. No matter how legit some survey companies seem, some will still sell your information to third parties.

Rule #3: Dont join a paid database until you read this

You can find a good amount of paid surveys by doing simple searches for them for free. So the question is: why should anyone pay for something that they can get for free? In the beginning, I found several good paid surveys by doing some simple searches.

Being the lazy person that I am though, I still decided to join a paid database and have all the best paid surveys in one place. I felt more at ease selecting paid surveys from a paid database like SurveyScout because I knew every research company listed was a quality company that protected my information. The one-time price was very reasonable anyway so I didnt find it much of a burden. Some of my visitors use paid databases and love it because it makes everything a little bit easier.

Nonetheless, you can go either way when deciding between a free database and a paid database. Just be sure to know the difference between the two before you decide.

Rule #4: Dont lie about your contact information

If planning on receiving payment, you have to use your genuine contact information. At first you may feel a bit strange giving out some of your personal details, but in most cases your information is well protected. If you are not honest when you register, you cant expect to receive your payment. Dont waste your own timesign up with your real contact information. But be sure to register with a legit research/survey company.

Rule#5: Protect yourself; protect your information

This is really an extension of rule #1 on day one. But now we are going to focus on other security protocols. Always look for privacy policies and seals of approval to ensure your information is kept secret. When you see seals of approval such as the Better Business Bureau (BBB) on a survey website, you know you are protected and are dealing with a company that values privacy.

Rule #6: Dont fall for the promises of wealth

In my experiences, it is difficult to make a full-time income with surveys (thousands a week for example). But you can still make a good stream of additional income to help with your bills and expenses.

The amount of money you make can, and will, fluctuate because the amounts of surveys you receive are very inconsistent. For example, I had one month where I pulled in over $400 dollars and another where I pulled in $88. It all depends on how many surveys you fill out, your profile, time of the year, the research companies you register with, and much more.

While you can make hundreds of dollars a month taking surveys, it will not make you a wealthy man or woman. I use surveys strictly as a supplemental income to help with some of my expenses: car payments, DirecTv bill, DVD rentals, and clothing. For me, it really helps to have an extra several hundred dollars pouring into my bank account every month.

You can easily make a couple thousand dollars a year just by filling out surveys. But once again, if this is your goal, you must fill out as much surveys as possible. While you won't be a wealthy person just by filling out surveys, you can make a substantial amount of money if you constantly fill them out.

Bonus Tip #1: Fill out your profiles after you register. This will make your survey invitations more targeted and less general. This also increases your chance of be selected to participate in the next survey.

Bonus Tip #2: Use focus groups and product testing to your advantage.

Focus groups can be very lucrative. You can actually earn several hundred dollars to complete one project. While paid surveys are short, focus groups will definitely take up more of your time. Focus groups may require you to actually visit a location or talk on the phone in a group discussion. This may take more work, but the reward is much higher, as you will get high cash prizes for your participation.

My best friend in college makes a killing with focus groups and this is how he pays for his books. So look for focus groups that are in your area.

Product testing is something else you might want to look in to. What happens here is a research company sends you a product and wants you to review/survey it. The good news is after you send in the complete review forms, you get to keep the product. These products, at times, are pretty neat.

Chris Walker is the owner of: http://www.ultimate-home-business-advice.com. Get all the best advice on great home businesses that really work. Gain access to essential tips and resources. He is the owner of all said material in this article. You can distribute his material on a non-exclusive, royalty-free basis, while he retains full rights to his work. You can use his article as long as you do not change any of the content without his permission.Cathy Blog67057
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