Monday, April 30, 2012
Is Filing For Bankruptcy The Solution?
Bankruptcy may seem to be an easy solution for major financial problems. But it is always better to avoid filing bankruptcy at all cost and to turn to it only as a last resort.
Once you file for bankruptcy, this point will remain on your credit record for ten years. This will make it difficult for you to receive loans and credit. Some lenders may allow for limited credit with bankrupt; but only after extensive explanations, and at a higher interest rate and with added credit fees. Another reason for avoiding bankruptcy is that some types of bankruptcy call for repossession of assets. Once the bank finds that there is something with you that is not necessary for living, the item may be seized to pay for debts and bankruptcy expenses.
With bankruptcy, financial difficulty will not be solved and your life becomes an open book as the court pries into all aspects of life wherein you will have to provide all financial information like savings, investments and assets. Though bankruptcy may seem to suggest some freedom from financial debts, there may be other debts that will have to be paid like alimony, court judgment costs or child support.
So keeping these points in mind, it is always better to avoid bankruptcy. Debt consolidation is one of the best means of avoiding bankruptcy. These companies help you by examining your current loans and come up with a program that incorporates all these debts. The company handles the payment to all the creditors; you just have to make a single payment to them every month. They will also get you a lower rate of interest and a longer time period to repay the loans, thus making you save some money.
Easy access to credit cards and credit accounts at department stores has now made it rather easy to fall into debt. It is better to pay bills with cash, and not use credit when money runs low. So cancel the credit card account! If you fall in debt, instead of hiding from the debt companies, it is better to talk to them as they may be able to negotiate and help you solve your debt. It is always better to plan a budget calculating debt ratio to income when in debt. Just write all the bills and expenditure that you have. Then you can determine how much has to be paid for bills, and how much is left for other spending. If required, you can also sell your home and downsize to avoid bankruptcy.
The only benefits of filing for bankruptcy are that the stress of dealing with numerous creditors is relieved. Once bankruptcy is discharged, as most of the debts get written off, creditors cannot pursue them. However, the disadvantages to bankruptcy are many. Businesses can be sold and employees dismissed with bankruptcy. Equity in a home is most likely to be sold as with bankruptcy, reliable assets of value are lost.
Bankruptcy is a costly process where all the fees for courts and trustee are drawn from the debtor's assets. On filing for bankruptcy, it is not possible to hold certain public offices like MP, magistrate or even practice as an accountant or a solicitor. Moreover, with the new bankruptcy reform law, it is difficult to use Chapter 7 bankruptcy to get a new start in one's financial lives.
Under the old law, one could file for bankruptcy through Chapter 7 or 13. In Chapter 7, you can keep your exempt property like the equity in your home. Here most of the debts are discharged. However, in Chapter 13 bankruptcy, you have to agree to pay off all your debts over a period of three to five years. So according to the new bankruptcy law, most of the bankruptcies are forced to file for Chapter 13 bankruptcy.
Moreover, according to the new law, you have to meet with a credit counselor for six months before applying for bankruptcy. However, as there are insufficient credit counselors, it is rather hard to accomplish this. It is also required that you attend money management courses at your expense before discharging your debts. However, it is always better to approach a good bankruptcy lawyer before taking any steps!
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How To Build Up Your Credit
There are many effective ways to build credit. In order to keep creditors from bothering you, and in order for you to get a loan with a reasonable interest rate, you need to learn how to build your credit. The best place to start is to not buy things that you don't need. If you always make impulse buys, you will find yourself in deeper debt very quickly. And if you have no credit history at all, you must keep that in mind.
Building good credit if you have bad credit
If you have bad credit, consult one of the many books available written by qualified financial advisors in order to get started on the right path. You can find books like these at your local library. In these books you will find checklists and step-by-step advice that will help you turn your credit around. There are also guides available at the library that can instruct those in debt on how to write letters to their creditors. Letters are probably a more effective avenue to take rather than communicating by phone, since most creditors will not be sympathetic to your situation.
Another value of the written communication is that if you should end up in court, the written documentation will be easier to submit. Verbal commitments can be easily denied without written documentation. Any documentation that is relevant to your credit issues should be stored in a secured place. Make copies of any communication with credit agencies (both to and from you), and keep it under lock and key. If you notice any errors on your bills or credit, be sure to contact the correct agencies and dispute and resolve the charges right away.
If you have used your credit card to purchase an item or service and the item you bought was defective, you DO NOT have to make payment on the charges. You do need to dispute the charges with the service provider that sold you the product. If the proprietor does not exchange the item or reimburse you for it, you have the right to deny payment. Once you have disputed the charges with the proprietor it is then your responsibility to contact your credit card company to dispute the charge.
If you have bad credit and have a credit card, you can use the card to repay your other debts and then make monthly payments on the credit card. Ironically, you are getting out of debt while remaining in debt. In other words, if you use your credit cards to pay other debts, your debt on your credit card will continue to increase. Since credit cards charge significant interest rates, your debt will continue to increase unless you can make significant monthly payments.
No Credit, No problem?
If you think that you do not need credit at all, that is simply not the case.
In today's world, in order to make many major purchases, it is often a requirement that you have at least one major line of credit. Most lenders will not consider lending money or give credit to someone that has no established credit history. We are expected to establish a credit history when we are young, and if we do not lenders often wonder why, which makes you look like a high risk.
They have no way of knowing your payment record, or if you are able to pay off the debt at all. There are several reasons that lenders will refuse you a loan if you have not established a credit history. The best way to establish good credit is to have a credit card, make your monthly payments on time, and keep your spending under control. Good credit means managing your money each month and paying your bills on time.
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Why Sports Betting Affiliate Programs Work
Online affiliate marketing is one of the many products of the Internet boom in the mid 1990's. Due to the nature of the system and the way in which money is generated and clients determined, it could only work through a complex computerised system such as that made available by the World Wide Web. Whilst the system may appear simplistic from a business point of view, the inner workings of the affiliate program require some unique calculations.
In a standard situation, when a company wishes to advertise they can do so by hiring an advertising team, and then paying for advertising space. However the affiliate marketing program is very different. The affiliate sites are not paid up front for their trouble, they are paid as customers join through their site. If we take the model of one of the most successful affiliate programs, that of sports betting there are significant calculations that need to be made in order to accurately work out how and when to pay an affiliate.
Unlike in other affiliate programs, the sports betting sites pose a unique problem. Affiliates have the option to be paid a percentage of the money that a player who joined through them generates for the sports betting site. Therefore the sports betting site or the affiliate program needs to be able to track and accurately calculate a players betting, in order to pay the affiliate the correct amount. Firstly the affiliate is assigned a unique URL, so that the sports betting site can accurately locate where exactly the new player has joined form. The second problem is then keeping a record of the player once they are on the site, so that the affiliate is rewarded as and when thy generate money. This is usually done by assigning the new player a unique number, which can then be monitored by the sports betting site, allowing them to reward the affiliate as the money comes in.
The system is complicated in terms of the dynamics of the payment, especially when compared to the simplistic method of paying up front. But in truth the sports betting affiliate program is a simplistic automated system, which works time after time. This is a fact backed up by the thousands of sites that continue to stay with or join the affiliate-marketing program and by the huge profits that these sites are able to command. The effectiveness of the affiliate program industry has also benefited the Internet industries including but not limited to sports betting. It has also offered the opportunity to thousands of small site owners to create a small revenue for themselves, as well as creating an industry in which new businesses can be founded purely to take advantage of the lucrative marketing program.
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Moonlight Hiking
I started moonlight hiking when I was a teenager prowling the streets and fields of Michigan. I later found that if I timed my backpacking trips to coincide with a full moon, I could hike every night. The two primary motivations for doing this are the adventure and mystery of night hiking, as well as the practical advantages that it has.
Moonlight Hiking - A Unique Experience
It's a great experience to hike away the hours of the night under a full moon. My first time doing this on a longer backpacking trip was on a five-day hike in the Sierra Nevadas. Every night I slept next to a lake, waking up when the cold bothered me. Then I easily hiked through the rest of the night by moonlight.
This meant getting up between two and four in the morning and hiking the rest of the night. I was moving during the coldest part of the night, so I was able to get away with a lighter sleeping bag on this trip. In fact, since there wasn't a cloud in the sky during those five days, I just slept in the open, without a tent or tarp every night. Most afternoons I took a leisurely nap in the sun to catch up on sleep.
Hiking at night meant no other people on the trail. Crowded trails were not actually a problem where I was, but I would like to go moonlight hiking to avoid the crowds the next time I am in Yosemite National Park, or in the Smoky Mountains. Sometimes it is nice to have the trails and whole mountain valleys to yourself.
You can hike a lot of miles at night, without any problems of over-heating. When the sky is clear and the moon is full, or within three days of its fullest, the moonlight is more than bright enough for hiking in fairly open terrain. In thicker woods you may need a flashlight for assistance.
If you do try this, plan your trip with the full moon coming right in the middle of the time span (if you can). This is how you get the maximum use of the moonlight before, during and after the full moon. Also note the time that the moon rises. About an hour after moonrise you'll have enough light to hike, unless it is overly cloudy (something else to check on).
When moonlight hiking on isolated beaches in the Upper Peninsula of Michigan I could clearly see animal tracks in the wet sand along the water's edge. They included fresh bear tracks. Though black bears in this area are not usually dangerous, it keeps your senses tuned in when you know there are eyes in the woods watching you and none of them are human.
The lakes reflect the moon, owls swoop by almost without sound, and animals move in the bushes as you pass. The many shadows hide things, but you walk on by them, leaving these little mysteries unsolved. The trees and rocks take on a different, starker appearance than during the day. Moonlight hiking is a beautiful and unique experience.
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An Overview of Germany for Travelers
Germany has experienced a tumultuous history: starting a World War, being divided into two countries and much more. If you are planning a trip, here is some background information you should know.
An Overview of Germany for Travelers
The official name of the country is the Federal Republic of Germany. Germany covers a landmass of over 135,000 square miles and is about the size of the State of Montana. The capital is Berlin with over 3.5 million residents living within the city borders. Other cities of note include, but are not limited to, Hamburg with 1.7 million residents, Munich with over 1.2 million people, Cologne with just under one million residents, Frankfurt with 640,000 residents, Dortmund with 592,000 people, Stuttgart with 580,000 residents, Dusseldorf with about the same number, Bremen with 540,000 people and Hanover with a population just exceeding 500,000 residents. Put another way, Germany crams a lot of people into a relatively small area.
From a terrain perspective, Germany has a bit of everything. The north consists mostly of plains and shoreline, while the center of the country is a fertile basin. The south of the country is primarily mountainous, sharing formations with Switzerland. With this divergent terrain, the climate varies from area to area, but is generally cool with significant periods of rain.
Citizens of the Federal Republic of Germany are known as Germans. The most recent population study found the total population exceeded 82 million. The ethnic break down is primarily German, but Danish minorities exist in the north while Slavic minorities can be found in the south. Despite the policies promulgated by Hitler, the country has a strong influx of immigrants with over 7.3 million people qualifying as such.
From a religious perspective, Germans are split in two major camps. There are approximately 26 million Protestants and 26 million Roman Catholics. Approximately 3.3 million people consider themselves to be Muslim.
The official language of the country is German, although English is spoken in many areas as is Russian and French. Education is compulsory for 10 years and the literacy rate is more than 99 percent. Live expectancy for a German man is 74 years while women live an additional 6 years on average.
As this overview reveals, Germany is the home to a lot of good and bad history. As a travel destination, it is remarkable whether you are going to see history or visiting for the World Cup.
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An Overview of Germany for Travelers
The official name of the country is the Federal Republic of Germany. Germany covers a landmass of over 135,000 square miles and is about the size of the State of Montana. The capital is Berlin with over 3.5 million residents living within the city borders. Other cities of note include, but are not limited to, Hamburg with 1.7 million residents, Munich with over 1.2 million people, Cologne with just under one million residents, Frankfurt with 640,000 residents, Dortmund with 592,000 people, Stuttgart with 580,000 residents, Dusseldorf with about the same number, Bremen with 540,000 people and Hanover with a population just exceeding 500,000 residents. Put another way, Germany crams a lot of people into a relatively small area.
From a terrain perspective, Germany has a bit of everything. The north consists mostly of plains and shoreline, while the center of the country is a fertile basin. The south of the country is primarily mountainous, sharing formations with Switzerland. With this divergent terrain, the climate varies from area to area, but is generally cool with significant periods of rain.
Citizens of the Federal Republic of Germany are known as Germans. The most recent population study found the total population exceeded 82 million. The ethnic break down is primarily German, but Danish minorities exist in the north while Slavic minorities can be found in the south. Despite the policies promulgated by Hitler, the country has a strong influx of immigrants with over 7.3 million people qualifying as such.
From a religious perspective, Germans are split in two major camps. There are approximately 26 million Protestants and 26 million Roman Catholics. Approximately 3.3 million people consider themselves to be Muslim.
The official language of the country is German, although English is spoken in many areas as is Russian and French. Education is compulsory for 10 years and the literacy rate is more than 99 percent. Live expectancy for a German man is 74 years while women live an additional 6 years on average.
As this overview reveals, Germany is the home to a lot of good and bad history. As a travel destination, it is remarkable whether you are going to see history or visiting for the World Cup.
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Good Reasons To Send Email Cards Instead
I love technology. I love all of the ways that technology has made my life easier and more simple. I guess I'm a guy that likes things as uncomplicated as possible, so that is in fact why I have come to treasure the gift that the internet truly is. There are so many ways that the internet has affected my life that I'm not sure where to begin. I guess I'll share that the internet has affected my relationships immensely and hence my life is different too. One small but significant way that the internet has affected my life is by giving me the ability to send email cards for various occasions.
One of my downfalls is that I'm always the one among my family and friends to forget important days and events in the lives of those that I love. I don't do this intentionally, but it seems like life gets busy and that sending a card is quite often the last thing on my mind when a special day approaches. In fact, I could probably say that I have forgotten more birthdays and other signficant days in the past twenty years than I have remembered. But not any more. The ability to send email cards has literally transformed my world.
Sending email cards is great because it is so easy. All I have to do is search the internet for a card that fits the occasion and then push click to send it in an email to a family member or friend. What could be easier than that? If there are people out there that have no trouble remembering all the important days on their calendar, then you can discontinue reading this when you like and keep on sending normal cards. But if anyone is like me, then you need the help of email cards to make your life easier.
Another thing that I have grown to love about sending email cards is that there is such a variety of cards to choose from. As soon as I do a simple search for email cards I receive a ton of good options and usually have no trouble finding the perfect email card to send within minutes. The variety and the simplicity of the process makes it quick to do during your day.
One of the ways that I have become effective at sending email cards is by having a calendar system on my email account that lets me enter in important birthdays and other events and then it reminds me of them a few days before they happen. This way I have time to send email cards and I have time to purchase gifts, send flowers or do anything else that is necessary in the process.
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7 Things Seniors (and Everyone Else) Should Know About FDIC Insurance
Older Americans put their money… and their trust… in FDIC-insured bank accounts because they want peace of mind about the savings they've worked so hard over the years to accumulate. Here are a few things senior citizens should know and remember about FDIC insurance.
1. The basic insurance limit is $100,000 per depositor per insured bank. If you or your family has $100,000 or less in all of your deposit accounts at the same insured bank, you don't need to worry about your insurance coverage. Your funds are fully insured. Your deposits in separately chartered banks are separately insured, even if the banks are affiliated, such as belonging to the same parent company.
2. You may qualify for more than $100,000 in coverage at one insured bank if you own deposit accounts in different ownership categories. There are several different ownership categories, but the most common for consumers are single ownership accounts (for one owner), joint ownership accounts (for two or more people), self-directed retirement accounts (Individual Retirement Accounts and Keogh accounts for which you choose how and where the money is deposited) and revocable trusts (a deposit account saying the funds will pass to one or more named beneficiaries when the owner dies). Deposits in different ownership categories are separately insured. That means one person could have far more than $100,000 of FDIC insurance coverage at the same bank if the funds are in separate ownership categories.
3. A death or divorce in the family can reduce the FDIC insurance coverage. Let's say two people own an account and one dies. The FDIC's rules allow a six-month grace period after a depositor's death to give survivors or estate executors a chance to restructure accounts. But if you fail to act within six months, you run the risk of the accounts going over the $100,000 limit.
Example: A husband and wife have a joint account with a "right of survivorship," a common provision in joint accounts specifying that if one person dies the other will own all the money. The account totals $150,000, which is fully insured because there are two owners (giving them up to $200,000 of coverage). But if one of the two co-owners dies and the surviving spouse doesn't change the account within six months, the $150,000 deposit automatically would be insured to only $100,000 as the surviving spouse's single-ownership account, along with any other accounts in that category at the bank. The result: $50,000 or more would be over the insurance limit and at risk of loss if the bank failed.
Also be aware that the death or divorce of a beneficiary on certain trust accounts can reduce the insurance coverage immediately. There is no six-month grace period in those situations.
4. No depositor has lost a single cent of FDIC-insured funds as a result of a failure. FDIC insurance only comes into play when an FDIC-insured banking institution fails. And fortunately, bank failures are rare nowadays. That's largely because all FDIC-insured banking institutions must meet high standards for financial strength and stability. But if your bank were to fail, FDIC insurance would cover your deposit accounts, dollar for dollar, including principal and accrued interest, up to the insurance limit. If your bank fails and you have deposits above the $100,000 federal insurance limit, you may be able to recover some or, in rare cases, all of your uninsured funds. However, the overwhelming majority of depositors at failed institutions are within the $100,000 insurance limit.
5. The FDIC's deposit insurance guarantee is rock solid. As of mid-year 2005, the FDIC had $48 billion in reserves to protect depositors. Some people say they've been told (usually by marketers of investments that compete with bank deposits) that the FDIC doesn't have the resources to cover depositors' insured funds if an unprecedented number of banks were to fail. That's false information.
6. The FDIC pays depositors promptly after the failure of an insured bank. Most insurance payments are made within a few days, usually by the next business day after the bank is closed. Don't believe the misinformation being spread by some investment sellers who claim that the FDIC takes years to pay insured depositors.
7. You are responsible for knowing your deposit insurance coverage.
Know the rules, protect your money.
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The Grand Canyon - A Perfect Getaway
The Grand Canyon is one of the best places to visit on your family holiday. This amazing location was carved over thousands of years. It is beautiful. The many activities it has to offer can be pleasurable for the whole family. The canyon experience is bigger than just the visit, it is the full body experience you can treat your senses to during and after your visit. You will be making memories for years to come as you seek solace in the vast spaces of the Grand Canyon. There are several good reasons to make the Grand Canyon your next family holiday.
The first reason to make the Grand Canyon your next family holiday is the accessibility options for everyone. Because the Grand Canyon is quite large, facilities vary by location. The National Park Service offers wheel chairs for free, and you can obtain temporary parking permits for the ease of your special needs visitors. There are many programs that are specifically designed for visitors with special needs, and several of the overlooks and scenic spots have wheel chair accessible routes.
Another reason to make the Grand Canyon your next family vacation spot is because of the educational programs offered. The National Park Service has designed some wonderful environmental educational programs specifically for you and your family. They can help you and family members understand the importance of preserving the canyon while explaining some of the canyon's mysteries to even the youngest of participants.
A third reason to make the Grand Canyon your next family vacation spot is the Junior Ranger programs available just for your kids. Once your kids participate in the program, they will know how to help preserve our national parks for years to come. Moreover, they learn fun facts about the Grand Canyon, participate in some great activities, and can act as representatives of the Grand Canyon to everyone they know. They get a special badge, and they get to participate in a swearing in ceremony to help them feel special.
A fourth reason to make the Grand Canyon your next family vacation spot is the history behind the canyon. You and your family can learn about the forming of the park. You can also investigate current preservation methods as well as current archaeological study methods. You can learn how the changes in the Canyon have been documented throughout the years, and the cultures it has served as a center for over the course of time.
A fifth reason to make the Grand Canyon your next family vacation spot is the number of exercise related activities you can engage in while you're at the canyon. You can go whitewater rafting, biking, or hiking. All of these will not only allow you a closer relationship with the location, they will also help your family to realize the importance of exercise in nature within their own lives.
A sixth reason to make the Grand Canyon your next family vacation spot is the availability of auto touring. There are a number of areas in the Canyon you can visit from the comfort of your car. This means no special equipment, no complaining about the long walks or the heat. It will just be you and your family in the environment of your vehicle while taking in the sites of the Canyon.
A seventh reason to make the Grand Canyon your next family vacation choice is the lovely camping opportunities it offers. If you and your family love go camping, the Grand Canyon is the place to do it. They offer everything from cabin style camping to RV parks to traditional tent camping. Once your camp site is set up, there are a number of great camping activities to engage in including picnicking, swimming, and best of all, hiking in the shadow of the Canyon. For a new experience, try a mule ride to the bottom with a camp out overnight. You simply cannot beat the beauty of the canyon from a camper's perspective.
An eighth reason to make the Grand Canyon your next family vacation is the wildlife viewing opportunities you will have. In addition to being a beautiful spot for bird watching, the canyon approximately 355 bird, 89 mammal, 47 reptile, 9 amphibian, 17 fish (including five native species), and thousands of aquatic and terrestrial invertebrate species. This can mean a fun learning experience for you and your family.
A ninth reason to make the Grand Canyon your next family vacation spot is the viewing of the natural environment. The Grand Canyon is one of the greatest natural features on our planet, and there is a lot to learn from it. By seeing the canyon, you will learn about types of rock, erosion, and desert habitats. This will help sharpen your science skills.
The final reason to make the Grand Canyon your next family vacation spot is the number of air tours available. Seeing this natural wonder from the ground is great, but seeing it from a helicopter or a plane will make your vacation more memorable than ever.
Plan your next vacation to the Grand Canyon and you won't be sorry.
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Personal Finance. Student Loans Debts Do Not Go On Your Credit Record
Every time you apply for credit, for example a credit card or a loan, the lender will request to see your credit history from a credit reference agency. The information they hold is so detailed that there's really no need for us to fill out that long application form, because within a fraction of a second they can see all they need to know from Experian, Equifax or Callcredit, the three main credit reference agencies. You would be very surprised to see just how much they know about you.
Banks, building societies and other financial institutions providing credit have been passing on details of your financial transactions to the credit agencies. Every time you apply for a credit card, every time you miss a mortgage repayment – it gets noted. They know whether you pay the minimum or the balance each month, they even know details of your credit limit on each credit card. They also look to public records, the voters' roll and the public register of court actions because that is where all county court judgements are listed. It all happens automatically, and when your credit history is requested, the computer will provide a statistical analysis of your financial habits and provide an assessment of your suitability. It enables, the industry argues, lenders to make an accurate judgement about whether they should lend you money or not.
However, there is one piece of financial information that the credit agencies are not allowed to access, and that's the student loans. Despite the industry's remonstrations to the government, nothing has changed, and they are not allowed to access the information. The reason? Student loans constitute a debt to the taxpayer, they were not funded by commercial business.
Before September 1998, the student loan system worked like this: once graduates were working and earning the national average, which was £15,000 at the time, they had to repay their loan on a monthly basis by direct debit. 59,000 of those pre-1998 graduates still haven't started repaying their loan, and each has on average a debt of £2,750.
In September 1998, the student loan system changed, and the system remains the same to this day. Now, repayments are taken directly at source, straight from the salary in the same way as national insurance and income tax. This method has been a lot more successful.
The lending industry is not happy about the student loan situation, their main argument being that they need to know, when considering an application for credit, if the applicant has extra financial responsibilities. The introduction of top-up fees resulted in increasingly large student debts, and as the post-1998 loans have to be paid off at a rate of 9% of the graduate's income once it has reached £15,000, it is a large portion of income to lose.
The Association Consumer Credit Counselling Service made the following statement: "Knowing whether a young person has a student loan and whether it is being paid back, is useful." So they are in agreement with the lenders.
The Citizens Advice Bureau is also keen to have the information made public, because they feel that graduates could be taking on too much debt, and if lenders could see their student loans, they would ensure that graduates are not given the ability to borrow beyond their means.
However, the Department for Education and Skills is showing no signs of wavering on its decision to keep individuals' debts to the Student Loan Company private.
For the foreseeable future – the situation will remain the same and student loans information will be inaccessible to the credit industry.
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An Overview of Australia for Travelers
Australia is a very diverse country geographically and a hot spot for tourism. If you are thinking about heading down under, here is some information on Australia.
An Overview of Australia for Travelers
Australia is its own continent, the only country in the world that can say as much. It covers roughly 3 million square miles and is about the size of the continental United States. The capital is Canberra, but Sydney is the biggest city with 4.2 million people. The climate of Australia is extremely dry inland with more temperate conditions along the coast. The population centers are primarily along the coast due to soaring temperatures inland.
Australia was originally inhabited by Aboriginal tribes. In 1770, Captain Cook claimed the land for Great Britain. In 1788, the first colony was established in New South Wales. Most of the colonists were convicted criminals from Great Britain. Gold was discovered soon thereafter and Australia became a destination for immigrants seeking fortune and a new start in life.
On the far northern coast, Australia is home to one of the amazing sites in the world. The great barrier reef is a water enthusiasts dream. With incredible plant life, the reef is world renowned as a diver's paradise. A watchful eye is advised given the presence of the Great White Shark in the area.
Australia is a Commonwealth. The federal powers are mapped somewhat after those in the United States, but no bill of rights exists. Unlike the U.S., the individual territories retain significant authority over their own affairs.
People in Australia are called "Australians." The country has a population of just over 20 million, and the population is growing at a rate of 1.1 percent a year. Australians ethnicity is 92 percent European, 6 percent Asian and 2 percent Aboriginal. No religion dominates, but 27 percent of Australians considered themselves Roman Catholics. Life expectancy for males is 78 years while females live to 83 on average. Literacy rates are a surprisingly low 85 percent.
Australia was often considered the forgotten country. Long distance transportation changed that designation. Now it is one of the hottest tourist destinations year in and year out.
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An Overview of Australia for Travelers
Australia is its own continent, the only country in the world that can say as much. It covers roughly 3 million square miles and is about the size of the continental United States. The capital is Canberra, but Sydney is the biggest city with 4.2 million people. The climate of Australia is extremely dry inland with more temperate conditions along the coast. The population centers are primarily along the coast due to soaring temperatures inland.
Australia was originally inhabited by Aboriginal tribes. In 1770, Captain Cook claimed the land for Great Britain. In 1788, the first colony was established in New South Wales. Most of the colonists were convicted criminals from Great Britain. Gold was discovered soon thereafter and Australia became a destination for immigrants seeking fortune and a new start in life.
On the far northern coast, Australia is home to one of the amazing sites in the world. The great barrier reef is a water enthusiasts dream. With incredible plant life, the reef is world renowned as a diver's paradise. A watchful eye is advised given the presence of the Great White Shark in the area.
Australia is a Commonwealth. The federal powers are mapped somewhat after those in the United States, but no bill of rights exists. Unlike the U.S., the individual territories retain significant authority over their own affairs.
People in Australia are called "Australians." The country has a population of just over 20 million, and the population is growing at a rate of 1.1 percent a year. Australians ethnicity is 92 percent European, 6 percent Asian and 2 percent Aboriginal. No religion dominates, but 27 percent of Australians considered themselves Roman Catholics. Life expectancy for males is 78 years while females live to 83 on average. Literacy rates are a surprisingly low 85 percent.
Australia was often considered the forgotten country. Long distance transportation changed that designation. Now it is one of the hottest tourist destinations year in and year out.
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Sceptical About Laser Eye Surgery? Learn The Basic Facts And Clear All Your Doubts
Sam was a famous boy in our school. No he was not great at any kind of sports, also it never occurred to any of our teachers that Sam was academically promising. Nor had anybody ever heard or saw him taking part in any kind of extra curricular activities. You might be wondering, then why on earth the boy was famous in the school! Well, he was famous, or should I say made famous by his oversized and thick glassed spectacles. We never met since we had left the school in mid- 1990's until recently, and believe me it came as quite a shock! Where has gone that bespectacled boy, whose eyes seemed to get lost for ever in the numbers of his thick glasses? Before me stood a new man altogether, smart, handsome and most importantly full of confidence.
Yes, this is what a laser eye surgery can do for you. It can transform your personality, it can enhance your looks, and it helps you to get rid of dependence on sight corrective devices, it promises you freedom to view the world as you wish. Well, there are differences of opinions regarding the result of the surgery. But use your common sense and judge for yourself. Why is it that millions of people in the USA are bidding good bye to their spectacles and undergoing laser eye surgery? The prices of surgery also came down only to indicate their soaring popularity. So definitely people are getting benefits from the procedure. Let us examine, what are these benefits?
The benefits from various types of laser eye surgery are obvious and extensive. These surgeries are aimed at correcting mild to moderate refractive errors of your eyes which are more commonly known as myopia or nearsightedness, hyperopia or farsightedness, and astigmatism or distorted vision. And the best thing about this surgery is that it is a permanent correction. Thus the cosmetic and utilitarian value of laser eye surgery is beyond imagination.
Currently, there are three options available if you choose to correct your vision through laser surgery. Among them is PRK or photorefractive keratectomy, being the oldest as well as simplest the reshaping of the cornea takes place with the help of computer-controlled beam of laser. LASIK, the acronym for laser in situ Keratomileusis is a complex procedure targeted at all degrees of nearsightedness. Here a surgical blade called microkeratome is used to curve out a flap from corneal tissue. After removing the tissue beneath it, the flap is replaced back. The third option is that of EPIFLAP or LASEK, where cornea is revealed by partial removal of epithelium and after the cornea has been gently reshaped, the epithelium is replaced back to its place.
So now you can understand how laser eye surgery works. If you are scared thinking the procedure might be painful, you are mistaken. You can also get back to your normal routine within three days time. And the most interesting thing is the time. It takes just about 15 to 40 seconds!
Thinking about the risk factors? Can you find any kind of surgery, where the surgeon does not warn you about the probable risk factors? In this case you can avoid risks by asking your doctor whether you are right candidate for laser eye surgery. Maybe some time you will get dry eyes or glare around lights at night, but the benefits you get from the surgery are much more valuable than these little inconveniences of life.
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The War on Marijuana and the War Against Online Gambling
The government is currently spending around 1 billion dollars a year to keep 45,000 prisoners in state and federal prisons for Marijuana related charges. That is one billion dollars a year that can be better spent on welfare, education and medical insurance for the poor. All this money just to keep Marijuana illegal and this does not even cover the cost of keeping those jailed for other drug charges.
This is no different from the hundreds of millions of dollars the banking industry is going to have to spend to develop a system that can stop the transfer of money from one account into the account of online casinos for the purposes of casino gambling, which everyone involved in coming up with the rules and means to block these transfers admits there is no way to make it work.
In both cases the government would be smarter to legalize the usage of Marijuana and online casinos, regulate the industry to make safe and use the tax revenue to increase the living standards of our poorest citizens.
By keeping Marijuana illegal the government is not stopping anyone from getting it. All they do is make people have to travel to shady areas to purchase Marijuana. Making it unsafe for people to purchase, but if they legalized it, they would be reducing traffic to drug related areas and it would allow the police to better target dealers and users of harder drugs like crack, coke and heroin.
By keeping online casinos illegal they are missing out on all the tax revenue and causing those who prefer to gamble online to risk being ripped off with no possible recourse. One of the main reasons given for banning online gambling was the war on terrorism. There is a chance that terrorists could open an online casino and use the money to fund attacks of Americans, but banning it just makes it harder to see where the money is going. By legalizing and licensing the online casinos you would have a transparency into the industry that would allow the government to see that the money does not go to terrorists or to fund terrorism.
It would also allow some of the money that leaves the country every day to online casinos overseas to stay here to help create jobs and opportunities here that is currently going to someone else, by allowing American casinos to open casinos and Sportsbooks online. Bringing new industry to the USA would be an excellent way to give a desperately needed boost to a struggling economy.
Both the war on Marijuana and the war on online gambling cost the country a lot of money but have done little to stop drugs from entering the country and being sold or to stop people from gambling on a daily basis in online casinos and poker rooms.
These laws need to be thrown away and the countries attitudes towards them need to be looked and have a more accurate assessment on their impact on the country. In the end I believe we will find that online gambling and the legalization of marijuana will provide us with the tools we need to fix other more serious problems with the country.
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Wildfire Productions Announces Release of Latest Client Website: Just Art Related
Wildfire Productions is a professional design and marketing company offering custom web development, advanced search engine optimization, and comprehensive marketing services to companies of all sizes. As an example of our creative and effective work, Wildfire Productions happily announces the launch of their latest client website, Just Art Related.
Specializing in unique invitations, announcements, thank you cards, envelopes, and more for weddings, baby showers, and all types of special events, Just Art Related's professional team creates beautiful, simple, and elegant designs to complete any occasion. The combination of professional designs with a personal touch allows Just Art Related to offer its clients truly custom products of the highest quality and value.
In addition to exceptional invitations and print accessories, the experienced staff at Just Art Related also provides various graphic design services and creates custom artwork. Clients enjoy the many benefits they would expect of a larger company with the friendly care of a family-owned business.
Working to create an online identity that expressed the distinct nature of Just Art Related, the staff at Wildfire Productions developed a sophisticated website with original, optimized content and a fully-functional online store tailored to the specific needs of Just Art Related's clients. Potential customers have the ability to browse invitation themes, select styles, and order one or more unique designs for their event. The site also makes it possible to learn about the company or contact a member of the design team with special requests.
A leader in the field of custom web design and online business development, Wildfire Productions has created professional websites for companies across the United States, including Bayside Guide Service, Sun Video Productions, BU Trends, and more. From initial design to final product and throughout the development process, Wildfire Productions utilizes a personal approach to meet each client's online needs. With the launch of Just Art Related, Wildfire Productions furthers its goal of creating a friendlier and more useful online community.
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Study: Consumer-Driven Health Plans on the Horizon
Health care costs have continued to skyrocket and every politician, business owner and employee is trying to find ways to cut costs.
The recent Buying Trends Study, released by the National Association of Health Underwriters and ChapterHouse LLC, shows that nearly 90 percent of insurance agents and brokers predict that the health insurance market will look remarkably different within the next five to 10 years. They predict a shift away from traditional plans and a migration to consumer-driven health plans.
With open enrollment season upon us, consumers have a chance to evaluate these consumer-driven plans and decide if these new options might be right for them. Past editions of this study have accurately predicted other health care changes, so these findings carry a great deal of weight among industry leaders.
Consumer-driven health plans, which include health reimbursement accounts and health savings accounts, are high-deductible medical plans that are coupled with a savings account. Employees can use those funds to pay their health care costs.
With lower premiums than traditional health insurance plans, consumer-driven health plans enable consumers to choose what kind of health care services they would like to receive, making them more active participants in the decision-making process.
Nearly 30 percent of employers are planning to offer these consumer-driven health plans, and employees will need to determine if they are ready to switch to this new way of approaching health care.
The study also revealed that there is not much hope for those awaiting nationalized health care. Only 3 percent of respondents felt that there was a likelihood of adopting a single-payer system and only 7 percent saw U.S. government mandates in America's future.
While the future of health care is still unknown, the study predicts that America is headed toward private market initiatives to help solve this crisis.
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Mountain Climbing - Preserve Your Experiences
Mountain climbing is a great way to escape the rat race and be one with nature. Alas, your mountain climbing experiences can fade with time. The best way to prevent this is to keep a mountain climbing journal for your adventures.
Mountain Climbing Journals
Take a minute to give some consideration to your most recent mountain climbing experience. What sticks out in your mind? Now think about the first time you ever went mountain climbing. Undoubtedly, you remember few things about the geography, people you went with, particular mountain climbing routes and spectacular views. The experiences you've forgotten are lost to time. If you keep a mountain climbing journal, this won't be the case.
There are famous instances of people keeping journals throughout time. Of course, Anne Frank's Diary is the best example. In her diary, Anne kept a running commentary of the two years her family spent hiding from the Nazis. While your mountain climbing experiences better be more lighthearted, keeping a journal will let you remember them as the years pass.
A good mountain climbing journal combines a number of characteristics. First, it should be compact so you don't have to take up unnecessary space for other things. Second, it should have a case to protect it from rain, spills and so on. Third, the journal should contain blank areas to write your notes. Fourth, the journal should contain cue spaces to remind you to keep notes on specific things. Cues should include.
1. Who you went mountain climbing with,
2. Where you camped and if you enjoyed it,
3. Who you met and contact information for them,
4. The geographic and weather conditions, and
5. Any unique things that occurred while mountain climbing.
6. The routes you took up the mountain and alternatives.
7. Any inside information provided by experienced locals.
At the end of the mountain climbing trip, you should be able to get the following from your journal:
1. Contact information for other climbers you met,
2. Enough detail to provide you or a friend with a guide if you climb the location a second time.
3. Memories to reflect upon years later, and
4. Something to pass on to your friends, children and grandchildren.
To get the most out of your mountain climbing journal, you should write in it just before you climb, as you summit and when you return. Doing so will give you an accurate picture of your thoughts throughout the climb.
Mountain climbing is a great way to commune with nature. Make sure to preserve the experience.
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Save Time, Money and Hassle - Stop Spam
Spam can be an absolute nightmare, and one that seems to spiral out of control in some of my email accounts. If i've been away for a few days and haven't had a chance to check my emails, I dread having to open up my email client when I get back online in anticipation of hundreds or thousands of spam emails.
Although I simply delete these emails, for some, they seem legitimate messages that can often cause the recipient to become the subject of a fraudulent activity. An example of this that many people may have experienced are the emails that claim that you have won the lottery in some country that you probably haven't even visited, or emails that ask for you to help claim a substantial amount of money for someone who claims to be entitled to millions of dollars from a lost relative. These types of emails are laughable but for a lesser experienced internet user, they pose a great threat.
This was when I decided to use a spam blocker to prevent the hassle and time wasted deleting spam emails.
Spam has been around since the medium of email became popular. Even though there have been several laws passed that are trying to limit the amount of spamming activity, it still exists. A good way to stop the annoyance and the time wasted deleting spam emails is by using a spam blocker. They can also save you a lot of money in the scenario where you are unfortunate enough to receive a virus from a spam email. This has happened to me before, and I can honestly say I will now do everything possible to stop it from happening again because of the hassle and time it took to get my pc back to the way it was. In fact this took several weeks and numerous times formatting my hardware, which despite my best efforts resulted in quite a few programs and software being lost.
But why do people fall victim to spam emails? The truth is that the spammer is becoming cleverer in the way that they set up the scams. It was not so long ago that I received an email which was apparently from Paypal. The email was pretty well written and even the links seemed to point to the Paypal site. I felt it was not genuine though as it asked me to click a link to visit the "Paypal" site, whereas I had read some time ago never to click a link in an email to visit the site, but to type the address directly into your internet browser so that you can rest assured that the site is genuine. It is a distinct possibility that many internet users will have fallen for these types of emails.
Do not become a victim of the consequence of spam emails. A spam blocker is a simple solution that will prevent the emails from ever reaching your inbox. They can save you time, money, hassle, and any potential problems that spam emails possess.
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Sunday, April 29, 2012
How Directory Listing Boosts Real Estate Sales
The real estate industry is a competitive one, and as a player in that market, you've got to play every edge that you can find. You've got your listings on MLS, submitted your ads to the newspaper classifieds, bought space in local realty For Sale magazines and even set up your own website. Now you need to maximize your exposure by getting the word out about the service that you offer. Listing your real estate related web site with a real estate directory is an excellent way to help drive targeted traffic to your website.
What's 'targeted traffic'?
Targeted traffic is what you want to make it worth while having a web site. The prettiest web site in the world is only useful if it provides leads for your sales. In order to do that, you need to attract traffic – and not just any traffic. You want web site visitors that are looking for what you're selling – whether it's homes, inspections or contractor services.
How to Get Targeted Traffic
You COULD just submit your web site to the search engines… and watch your listing get lost in the thousands of realtor, real estate, house for sale, sell houses and other realty-related web sites. Most web experts agree that in order to benefit from search engine traffic, your listing needs to appear in the first three pages of the search engine results.
There are ways to boost the flow of targeted traffic to your web site – and on the World Wide Web, increased traffic means increased sales. A real estate directory can help boost your real estate sales in a number of ways.
Why List Your Realty Site with a Real Estate Directory?
On the web, fewer means more. When you rely on Google and Yahoo! and MSN searches for your traffic, you're a tiny minnow in the ocean. There are literally thousands of other real estate sites competing for a spot in those first three pages. Want to be a big fish in a little pond?
A listing on the right real estate directory will put you where your potential customers and clients will see you – on a site that's designed for people who are looking for information about what you sell. Suppose you buy foreclosed homes in California. Because a real estate directory categorizes its listings, your potential clients don't have to wade through three pages of listings for real estate agents and home mortgage companies to find your listing.
Because the real estate directory has links to and from many web sites that are relevant to real estate, it's far more likely to rank higher in the page results than any single-realtor site. When you submit your web site to a real estate directory, you're leveraging the popularity and page ranking of the directory to bring traffic to your web site.
How a real estate directory boosts YOUR web site's ranking
But you're also helping to boost the position of your own web site in the rankings. Because many search engines count the links to your web site to establish the popularity of your web site, every link from an outside site gives yours a little boost. Even more importantly, when a web site that Google recognizes as an authority links to your site, you get an extra little bump up in the listings.
Reciprocal links, search engine submissions and submissions to directories are all important pieces of your web presence and marketing. By paying close attention to them all, you'll find that your web site pays off in increased sales.
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Are Canadian Pharmacy Online Services Safe?
There has been much ado lately about Canadian Pharmacy Online medications. Everyone is concerned about the rising costs of prescription medication. As the American public and particularly the "Baby Boomers" age, more medication is often required to maintain quality of life and to control chronic illness. Many do not have proper prescription drug insurance coverage.
The recent negative media pointed at Canadian Pharmacy mail order prescription services has caused some people to be a little leery of them. Customs has on occasion, confiscated medications crossing the border because required documentation was missing or incorrect. Another issue with mail order services is that some do not supply the identical medications. And of course there is always some rotten apple working the angles.
Some people have turned to Asian mail order medication services only to learn that what they received was the wrong medication or did not contain the correct dosage as prescribed by their U.S. doctor. Asian and Mexican mail order medication services are not governed by the same strict guidelines as those in the U.S. and those that control the Canadian Pharmacy industry.
All is Not Lost Though
There are safe, cost-effective, legal mail order prescription services available. Here is what to look for when selecting a Canadian Pharmacy service.
* Does the mail order service require your doctor provide proof, and do they confirm the prescription with your doctor?
* Does a licensed doctor (in the country providing the prescription) co-sign that prescription once verified by your doctor?
* Do the medications originate in a country known to provide identical medications as those available in the United States, such as Canadian Pharmacy Online services provide?
* Does the mail order prescription service provide significant savings over U.S. drug costs, like 30% or more?
* Will the mail order company provide prompt service, making certain that all the documentation to clear U.S. Customs is precise?
If you are considering a Canadian Pharmacy for some or all of your prescriptions and they meet ALL of the above criteria, then you can save money and get medication you can trust.
Most Americans today who use mail order medication services have found many Canadian Pharmacy services that meet all the criteria above. These are reliable, safe and cost-effective services. These Canadian Pharmacy services provide the identical medications or generic equivalent, ensuring you receive precisely what is prescribed by your doctor.
By using a Canadian Pharmacy Online prescription service, you can save as much as 30% or more. If you're considering Medicare Part D, Canadian Pharmacy savings can be especially important because of the "donut hole" which makes amounts from $2150 to $5100 your responsibility.
Using a Canadian Pharmacy mail order service can enhance your coverage on Medicare Part D and help you avoid reaching that dreaded "donut hole".
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Network Security - The Real Vulnerabilities
Scenario: You work in a corporate environment in which you are, at least partially, responsible for network security. You have implemented a firewall, virus and spyware protection, and your computers are all up to date with patches and security fixes. You sit there and think about the lovely job you have done to make sure that you will not be hacked.
You have done, what most people think, are the major steps towards a secure network. This is partially correct. What about the other factors?
Have you thought about a social engineering attack? What about the users who use your network on a daily basis? Are you prepared in dealing with attacks by these people?
Believe it or not, the weakest link in your security plan is the people who use your network. For the most part, users are uneducated on the procedures to identify and neutralize a social engineering attack. What's going to stop a user from finding a CD or DVD in the lunch room and taking it to their workstation and opening the files? This disk could contain a spreadsheet or word processor document that has a malicious macro embedded in it. The next thing you know, your network is compromised.
This problem exists particularly in an environment where a help desk staff reset passwords over the phone. There is nothing to stop a person intent on breaking into your network from calling the help desk, pretending to be an employee, and asking to have a password reset. Most organizations use a system to generate usernames, so it is not very difficult to figure them out.
Your organization should have strict policies in place to verify the identity of a user before a password reset can be done. One simple thing to do is to have the user go to the help desk in person. The other method, which works well if your offices are geographically far away, is to designate one contact in the office who can phone for a password reset. This way everyone who works on the help desk can recognize the voice of this person and know that he or she is who they say they are.
Why would an attacker go to your office or make a phone call to the help desk? Simple, it is usually the path of least resistance. There is no need to spend hours trying to break into an electronic system when the physical system is easier to exploit. The next time you see someone walk through the door behind you, and do not recognize them, stop and ask who they are and what they are there for. If you do this, and it happens to be someone who is not supposed to be there, most of the time he will get out as fast as possible. If the person is supposed to be there then he will most likely be able to produce the name of the person he is there to see.
I know you are saying that I am crazy, right? Well think of Kevin Mitnick. He is one of the most decorated hackers of all time. The US government thought he could whistle tones into a telephone and launch a nuclear attack. Most of his hacking was done through social engineering. Whether he did it through physical visits to offices or by making a phone call, he accomplished some of the greatest hacks to date. If you want to know more about him Google his name or read the two books he has written.
It's beyond me why people try and dismiss these types of attacks. I guess some network engineers are just too proud of their network to admit that they could be breached so easily. Or is it the fact that people don't feel they should be responsible for educating their employees? Most organizations don't give their IT departments the jurisdiction to promote physical security. This is usually a problem for the building manager or facilities management. None the less, if you can educate your employees the slightest bit; you may be able to prevent a network breach from a physical or social engineering attack.
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The Importance of Email and Product Development
Do you have your website up and running for your online business? How did you create your website? Your website should be a basic webpage that is free of busy flash features and a myriad of options. The appearance of you website is just the beginning. Next, you need to work on your email database development.
Online businesses revolve around their customer email lists. You send emails to promote your products and services. Perhaps you send articles related to your product and service. You may send offers for free e-courses via email. These tools are advantageous if your emails are delivered to your intended customer.
Unfortunately it is much more difficult to get emails to your customers due to spammers. Spam filters have improved their filters making it much more difficult to deliver emails that may have been delivered successfully in the past. So how can you work around the spam filters? You can try direct-to-desktop technology to avoid these complications. Direct-to-desktop technology will send every single email by skipping the email system. In addition, Blogs are another method you can use as direct-to-desktop technology because it is not filtered.
Avoid sending email in HTML format because the spam filters will stop your email flat. Use plain text instead. Or, an even better option is direct-to-desktop technology. Direct-to-desktop technology actually shows up as a blinking message in your desktop message tray. The message says that you have a "message waiting". Once you click on this icon a box pops up on your computer. This type of system bypasses the email system.
Direct-to-desktop technology is beneficial because you can send HTML messages, videos, audio files, etc. Basically, anything you can put on a webpage can be placed in these messages. Plus, you don't have to worry about the spam filters.
The next step after email database development is to focus on product development. The content you create can be distributed in a plethora of formats. For example, your content can be distributed by CD, DVD, eBook, web cast, pamphlet, teleseminar, e-course, etc. This will allow you to sell content in different formats. The various formats are profitable because some users prefer to read a hard copy pamphlet while others like to listen to the content on CD.
As you can see, building an valuable website is just the first step. You need to engage in email database and product development as well. Completing these three tasks will enable you to have a website that is not only appealing to the customers, but sells as well.
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Start Part Time Forex Trading
Forex trading is one of the most viable options for someone who's looking at bigger possibilities, bigger profit and greater ease in trading and business. Because of it's high liquidity and speedy transactions, forex trading is becoming a popular game among players in the field of business and marketing. While it's traditionally for companies and corporations with big capital and experience in the field, it has also proven itself to be a good venture for a neophyte though what one calls a Mini Forex account or mini forex trading.
Mini Forex Basics
Mini Forex trading is good for people who have just started in the forex market and with not enough funds to open a regular account. It requires a smaller capital compared to regular forex accounts, a minimum of $300. With mini forex trading, you can control a $10,000 currency position.
The key here is leverage. Because of leverage, a trader can trade in a commodity more than the money available in his account. Say with a $250 deposit, one could trade a maximum of 5 mini lots. This kind of leverage is greater than stocks or day trading. Of course, it is recommended to start with a manageable leverage that allows greater flexibility in transactions.
What are the perks of mini forex trading? With just a small stake involved, you get to enjoy free trading platform and benefits that regular forex traders get to enjoy. These would include state-of-the art trading software, charts and resources. With a leverage of 200:1, the trader can trade in a commodity regardless of the amount of money available to him.
Mini forex trading also allows for lesser losses as the contract size is only 1/10th the size of a standard forex account. There is also greater flexibility with regards to customizing trades and minimizing risks. Ideal for those with smaller capital, the trader has a chance of investing in more areas of the market with lesser risk as there is lesser capital to be lost. He need not be hesitant with his transactions as there is lesser capital involved.
With the same freedom enjoyed by regular forex traders, a mini forex trader can trade as many lots as he likes. Although the standard trade size is 10,000 units, you are free to trade as much as 50,000 units or more. In this way, the trader also builds up his confidence in his trading skills at the same time slowly increase his profit and trading position in the market. He gets to manage his money before going for the higher stakes in regular forex trading.
The trader likewise gets to develop a sound trading strategy without getting too emotionally involved in possible losses and profit. For practice, a newbie in forex trading can practice through paper trading. But in the real market, he can start small with mini forex trading. There is lesser capital involved and the practice builds up the trader's trading gameplan for future explorations in regular, higher stakes forex trading.
An Example
On a regular account, a 25-pip stop loss is equal to a loss of $250. Since a mini forex account is just 1/10th of the standard forex account, this is amounting to $25 only. If you trade in units of 10,000, the trader is given more flexibility in terms of customizing his trades and lessening the risks of loss.
They say that business is for the risk-taker. But if you're just starting out, it's wise to be cautious and think about your moves. In the world of foreign trading, mini forex accounts provide the wisest and best option especially for a neophyte. It requires lesser capital, lesser emotional investment, and slowly builds up your skills and confidence as a trader. In a way, it's a way to prepare the trader for the higher stakes in the more advanced world of foreign trading.
Remember using good Forex software will help you save time.
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Can Rat Poison Cure Heart Attacks?
Warfarin was used in the 1950s as an anticoagulant for victims of heart attacks and strokes, but gained fame when it was used to treat President Dwight D. Eisenhower after his 1956 coronary. Ironically, Warfarin is also used as Rat Poison!
Therapeutic doses of warfarin are minuscule: 2mg to 10mg for a 100kg person. The actual dosage depends upon an individual's diet and metabolism, as well as body weight. In fact, body weight is not a major factor. A 150kg person may require 2mg while a 75kg person may require 10mg for the same therapeutic effect.
There are very few good alternatives to sodium warfarin treatment. In some cases, a doctor may prescribe low-molecular-weight heparin (LMWH). I do not know the issues about long-term effectiveness of LMWH, but the fact that it requires two injections per day, subcutaneous, at fairly precise 12-hour intervals, precludes its use for most people. I've done it in the short-term (post-surgical recovery while the warfarin is ramping up). I wouldn't want to have to do it every day.
The complementary problem for people on warfarin therapy is that it is necessary to keep a balanced intake of Vitamin K. Many foods are high in Vitamin K, including shrimp and spinach, and an unbalanced intake of Vitamin K will cause the prothrombin times to vary wildly. This is not to say that foods containing Vitamin K must be avoided; merely that the intake should be reasonably constant, so the warfarin dosage can be adjusted to compensate for it.
Coagulant drugs or Vitamin K1 have been suggested as possible antidotes for pets accidentially exposed to anticoagulant poisons. In addition, since some of these poisons act by inhibiting liver enzymes, a blood transfusion (with the products of the correct enzymes present) can save a person who inadvertently takes them, an advantage over some older poisons.
For example, an occasional spinach salad is not considered dangerous, but a spinach salad every night for two weeks would not be a good idea, particularly if there was a prothrombin-clotting-time test taken just at the end of those two weeks. Besides the risk that the sustained Vitamin K intake would cause (due to lowered clotting time), an adjustment made to the dosage followed by a discontinuance of the intake would result in a significantly raised clotting time. So the key is to maintain a reasonably constant Vitamin K intake.
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How to find Adware removal that is really free and avoid the pitfalls
Really free adware removal programs can sometimes seem hard to find. You click on a link that promise really free adware removal programs, but end up on a site with programs that eventually turn out to have a lot of strings attached. You might only be able to try out the really free adware removal program for a very short time, such as a few days, before you must purchase an expensive version of the program. A few days is usually not enough to find if you are comfortable with you Adware removal program or not. Another disadvantage with this system is that when you purchase an expensive Adware removal program, you will most likely stick to that program even if the program becomes out-dated or a better program is offered on the market. In other cases, you can use the really free adware removal program for as long as you wish, but it turns out to be so basic that it offers very little protection from Adware. You are then encouraged to buy a better, but pricey, version of the program. Sometimes it is actually a really great free adware removal program that you are offered, but the updates cost quite a lot of money. Since all Adware removal programs need to be updated frequently to stay modern, this can turn out to be very costly in the end.
There are however examples of really free adware removal programs that are available for download online, but you might have to spend some time looking for them. Really free adware removal programs are seldom available off-line, since it would be too expensive to distribute them. Be vigilant when you choose a website from which to download a really free adware removal program, since there are a lot of dishonest sites offering fake adware removal programs. When more and more computer users began to protect their computers from adware with adware removal programs, the deceitful companies that gain from the Adware programs developed their own fake really free adware removal programs.
These fake programs are promoted vigorously on the Internet, and many computer users are lured into installing what they think is a protective. If you spend some time online, you will probably sooner or later stumble over a banner add that warns you about the dangers of Adware, or claim that your computer is already infested with Adware. You will be offered a great really free adware removal program, and if click on the banner your will be sent to a website. From this website you can download something that looks like a very good and really free adware removal program, but it is actually a fake. Your computer will not be protected from Adware when you use this fake adware removal program, and the fake adware removal program will probably also install Adware, Spyware and other types of Malware in your computer. You can minimize the risk of downloading a fake adware removal program by only downloading really free adware removal programs from trustworthy web pages with a good reputation.
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Saturday, April 28, 2012
Leasing Equipment Versus Buying
Short on cash, but need equipment? Consider leasing what you need. Leasing equipment may be a better alternative to buying, depending on your situation and needs.
Today, leasing is common practice in business. Over the past two years, equipment leasing has risen approximately 20 percent, according to recent research by the U.S. Small Business Administration (SBA). And 8 out of 10 U.S. businesses lease all or part of their equipment, reports the Equipment Leasing Association.
Leasing is appropriate for just about any business at any stage of development. For start-up businesses with no revenues, smaller leases-those of $100,000 or less-may be better managed on the personal credit of the owners-if they are willing to make the monthly payments.
Comparing Leasing to Buying When you buy a piece of equipment or vehicle, you usually have to pay for it in full either by using cash or by financing the balance. After you finish paying for it, you own it.
Equipment leasing, on the other hand, is essentially a loan. The lender buys and owns the equipment and then "rents" it to a business at a flat monthly rate for a set number of months. At the end of the lease, the business has several options. It can purchase the equipment for its fair market value (or a fixed or predetermined amount), continue leasing, return it or lease new equipment.
With a lease, you actually only pay for using the equipment. But at the end of the lease period, you could end up owning nothing. So why lease? The answer is simple: By leasing equipment, you leave money in the bank that can be used for other purchases. Since lease payments are usually smaller than regular loan payments, you don't have to pay out as much each month.
However, keep in mind that a lease is not cancelable like a bank loan or other debt. If you need to get out a standard loan you can sell the equipment and pay off the loan, or even refinance it. With a lease, you generally have to pay off the lease in full. So you have to be sure you make the payments when you enter into a lease.
So what kinds of equipment make the most sense for a small business to lease? According to research by the SBA, the most common items leased are office equipment, computers, and trucks and vehicles.
Benefits of Leasing Leasing equipment offers a wide range of benefits, from consistency with expenses to increased cash flow. But perhaps the most significant advantage of leasing is the ability to maintain up-to-date equipment. Leasing allows you to easily and affordably add equipment or upgrade to a complete new piece of machinery to meet future needs. This lets you transfer the risk of being caught with obsolete equipment to the leasing company.
Here are some other benefits of leasing:
• Alternative to financing - Leasing is essentially an alternative to traditional financing and can be great for companies not able to obtain business loans.
• 100-percent "financing" – In many cases, leasing requires no down payment. This allows you to "finance" an entire purchase, including software, hardware, consulting, maintenance, freight, installation, and training costs.
• Ease and convenience - Applying for a lease is easy, and lease arrangements can be structured to meet your individual requirements. Equipment leases can range from $ 2,000 to $ 2 million. For smaller amounts, you can complete a brief application and receive a final decision within days-often with no financial reports or tax returns needed. Leases for more than $100,000 generally require detailed financial information from the business, and the leasing company conducts a more thorough credit analysis than it would for a smaller
• Flexibility - Lease terms range from 12 to 60 months, depending on the equipment type. Most leases can be structured so that payments are made with operating rather than capital funds. This can eliminate or reduce capital budget delays. Leased equipment can be purchased later if capital becomes available. Plus, a percentage of the lease payments can be credited toward the purchase of the equipment.
• Fixed, predictable payments - Having fixed lease payments enables you to accurately predict the impact of equipment expenses on your cash flow.
• Conserves working capital - Leasing conserves your working capital by requiring only a minimum initial outlay of cash.
• Tax Advantages - Operating leases are generally treated as a 100-percent, tax-deductible business expense paid from pre-tax earnings instead of after-tax profits.
• Protection against inflation - Lease payments are based on the dollar's current value. And unlike bank lines of credit with fluctuating rates, your payments are fixed regardless of what happens to the market tomorrow, making it easier to budget, forecast and grow.
Working with a Leasing Companies When leasing equipment, keep in mind that the company selling the equipment simply makes a direct referral to a leasing company with which it does business. And, usually, the company selling the equipment works with more than one leasing company. So be sure to get quotes from a number of leasing firms. It's also a good idea to ask for referrals from friends and business associates.
Additionally, make sure you understand with whom you're dealing. Are you talking to a broker-the person who simply structures deals, then gets them financed through any of the leasing companies he or she works with. Or are you dealing with a leasing company that is actually putting its own funds on the line?
Brokers can be beneficial because they have valuable insight about the leasing market and can help you find the best leasing solution for your needs. But as when dealing with any type of salesperson, you are responsible for handling the due diligence. Do your own homework to ensure you negotiate the most favorable lease agreement for your company.
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OST to PST convertor
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PST files may be burned to a CD or forwarded to any other PC within your local network, there are no restrictions with this. Now your mailbox does not depend on your mail server, PST files may be backed up to any removable media, this measure will be a good addition to other measures that should protect your PC. Try Recovery Toolbox for Outlook and enjoy an effective tool for file conversion, convert ost pst and convert .ost to .pst, demo version of this program for ost pst conversion and ost to pst is available for free.
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