Contents insurance how do i know if i have enough cover

Buying insurance can be a tricky subject, over insure and you risk paying too much in premiums, while under insuring can also be a disaster should the worst come to the worst. So how do you know what is just right?

Obviously the most important tip when it comes to deciding on the amount of cover you need is to take your time and go through your home valuing your belongings. Along with this you can follow the tips outlined below to give you some idea of how much you might need.

Never go rushing and guessing the value of your possessions, you could be surprised how far out of range you are by making a guess. Take a notepad and walk around your home writing down the cost of everything. And by ‘everything’ I really mean everything, from CD’s to clothing to furnishing to your pet cat’s wicker basket!

Once this is done, you can make an educated decision as to how much contents insurance you need.

Also, do bear in mind that if you buy additional items you should always take these into account when it comes to renewing your home insurance. As an example, even just buying two CD’s and a DVD every month can soon mount up to well over an extra Ј350 a year – a value that should be included in your contents.

Make sure that you understand what the insurer means when they use the term “valuable”. If your policy states that you won’t be covered for items worth more than Ј1,000 and you haven’t declared a possession that is over that amount, then it simply won’t be covered.

If your policy is new for old then this means that you will get the cost of replacing items with new ones. You should always take into account the rise in cost of items every few years’.

Many policies you take out will include items such as patio furniture and garden equipment so always ensure that if these are covered by your policy, then include them in your evaluation.

Take into account any items which may be difficult to put a value to. For example, you might have a large collection of books or CD`s which you need to cover. If this is the case, then make sure these are noted and that a price has been agreed upon by the insurance company.

If you work from home the majority of policies will cover such items as computers or fax machines, so include these in your estimate if they are covered by your policy. You should also enquire as to the limit of such equipment as most policies will have a limit for items such as these.

Beat the carb cravings

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Anyone who’s been on a low carb diet will tell you that the first week is the hardest. Some report actual physical symptoms of carb withdrawal, like irritability, headaches, and lack of energy. Others say it’s the emotional struggle to stay away from rice, bread, pasta, potatoes the staples that they’ve grown used to serving with every meal.

These carb cravings can easily tempt you into giving up on your diet altogether. Don’t. You have so much to gain (or in this case, lose): think 10 pounds in the first two weeks, as some diets claim, and a visible reduction of tummy handles. (Hey, you’ll be able to fit in a smaller size of jeans!) So how do you survive the battle against bread? Here are some tips:

Indulge in the right food

One of the advantages of low carb diets is that you don’t starve yourself. You can eat very well, just stay away from certain types of food. How does help beat the carb cravings? If you’re not ravenous, you’re less likely to raid the fridge in a mad fit of hunger. You can also replace a high-carb snack (like a chocolate bar) with an equally tasty bag of peanuts, and not feel deprived.

Veteran low carb dieters actually advise keeping stashes of low-carb diets in their desk drawers, or by the television the places where most people get the desire to munch on something. Keep the portions small, just enough to make you feel that you’ve had a treat, without actually turning into a binge. You’ll need a lot of small plastic bags, or tiny plastic containers. Another tip: prepare
the individual servings beforehand, preferably after eating a meal so you’re not tempted to put more than you should.

Keep yourself busy

Most of us eat not out of hunger but habit. You’re bored, stressed, or you’re killing time before you take on the next item on your to-do list. Avoid temptation by keeping your mind on something you enjoy. Some dieters carry a book around, others start a hobby like scrapbooking which will let them pass long hours without even thinking about food. For those who work at the office, and need something to keep them away from the vendo machine, bookmark a website that you can browse until the snack attack passes.

Look for other forms of recreation

It’s become customary to make meals the center of any recreational activity: eating chips while watching a movie, going out to dinner with friends. While you’re still getting used to the low-carb regimen, pass up the invitation to have drinks after work and invite everyone to watch a play, hit the badminton courts, or attend a museum opening.

Get a diet buddy

Dieting becomes more fun when you have a diet partner to give encouragement, praise you for every lost pound, and even help you scout for the low-carb friendly restaurants in your area. Don’t know anyone? Go online and join a dieter’s forum. Exchange recipes, share thoughts, and hey, even make new friends. You’ll still feel the carb cravings, but somehow, saying no is a little easier.

What you should know about new appliances

Spending a little time researching appliance purchases can help homeowners save big on energy costs.

When looking for a clothes washer or dishwasher, it can pay to look for one that meets the 2007 Energy Star® criteria and uses next-generation technology to cut energy and water consumption. These products do more than help homeowners save money, and they can help protect the environment.

For example, Energy Star-qualified clothes washers--whether they are front-loaders or redesigned top-loaders--include technical innovations that help save substantial energy and water. The average household does almost 400 loads of laundry each year, consuming over 13,000 gallons of water. Selecting a qualified washer instead of a regular top loader can cut utility bills by $60 and save over 7,000 gallons of water per year. New washing machines that don't have the bulky agitator found in older models have more usable space in the tub for large laundry items, which means you can wash larger items and do fewer loads of laundry each week. Some of the newer agitator-free washers can wash over 20 pounds of laundry at once, compared to 10 to 15 pounds for a conventional top-loader.

Because they use less energy, these products help preserve our nation's limited natural resources. The newer washers also help save clothes. Instead of the centrally located agitator moving the clothes through a full tub of water, the new washers treat clothes gently by tumbling clothes through a small stream of water, lengthening the life of often-washed items and leading to less lint in the dryer. Because they are so gentle, many models can safely clean hand-washables.

Let the dishwasher do the work

The newest dishwashers are also remarkably efficient and are expected to save consumers over $26 million annually on their utility bills. An Energy Star-qualified dishwasher can save enough water each year to fill over 160 standard water cooler bottles and if all dishwashers sold in 2006 were Energy Star qualified, the country could save enough water to fill more than 10,000 Olympic-size swimming pools.

Purchasing an Energy Star dishwasher saves even more money for people washing dishes by hand. According to Ohio State University, the average person uses 24 gallons of water to hand wash a full load of dishes, compared to approximately seven gallons used by an Energy Star-qualified dishwasher, saving consumers over 3,500 gallons of water annually.

Graphics for the motorcycle helmet

Buying a motorcycle is not that different from buying a car. Prospective buyers need to first check the models that are available in the market and then select the one that is most appropriate to their needs and of course to their budget. But focusing too much on the features can actually make one forget to buy one thing that is really essential when purchasing a motorcycle — the helmet.

Motorcycle helmets are so important and vital to one’s safety that state laws have actually required people to wear them while riding the bike. There are many types to choose from. But whatever the designs or the materials, the person should check the helmet for safety and comfort before buying it and cruising down the highway on the motorbike.

People will notice that most of the headgears sold come in bright colors such as white, red, yellow and orange. The reason for this is to warn other drivers, who are yards away. Bright colors are more visible especially at night.

Some people, however, feel that bright colors are not enough for the safety of the biker. The number of accidents has actually gone up by 12 percent compared to last year’s in a report given by the Bicycle Helmet Safety Institute. The only way to prevent the numbers from further going up is to provide added protection, perhaps in terms of blinking lights, spray paints and even glittering stickers.

Most people put reflective stickers on the side and back of the helmet. Others spray paint this with a certain design. Since the cost for both is almost the same, the person can try having both after choosing the right graphics.

Lightning bolt, reflective eagle, checker flag and halo are just some of the hundreds of graphics that can be placed on the helmet. These are usually one or three inches long going from one side of the headgear to the next. The individual will not have a hard time looking for an auto detailing shop that offer these services. Some can be found around the neighborhood while others over the Internet.

The individual should however look at the catalog before making any decision. The price for the graphics may go from $4 to $8 a piece. This will depend on how complex the design is especially if it is custom-made. It is advisable then to compare the prices offered because it is possible that one dealer will give this at a more affordable rate with an added freebie.

When a graphic design is chosen, the person will have to leave the helmet with the manufacturer. Some even ship it back. The helmets will then be returned in a few days.

People will notice the difference between a plain and colored helmet and one that has graphics on it. For as long as people ride motorcycles, there will always be a market for those who want something different on their helmet.

Motocycle blue book how-to get the most for your ride

Do you want to know how much your motorcycle is worth? Are you curious as to what its trade in or retail value is? Maybe you just want to know what you should expect to pay for a new or used bike. Well you might be interested to know that there is more than one resource available to you for these purposes.

There are two main pricing guides in the United States - the Kelley Blue Book and The National Automobile Dealers Association or NADA guides. Some people feel that the NADA guides are a better source than the Kelly Blue Book because the National Automobile Dealers Association is currently the largest publisher of Appraisal Guides in the world. NADA has been in business since 1933 and their handbooks provide information for almost every motor vehicle that has ever been made.

Kelley Blue Book is the most well-known pricing guide and has been in business for more than 80 years. But they publish more than one price guide for used vehicles including motorcycles, so be careful if you are consulting a dealer because the one they are using is likely to be the version labeled "Kelley Blue Book Auto Market Report – Official Guide”. The book says that ‘suggested retail values’ represent Kelley Blue Book's estimated dealer asking price, but you can bet a dealer won't show you those figures. Better to grab your own copy and do some pricing research yourself so you don’t get taken advantage of.

Check out motorcyclebluebook. com for pricing on a huge selection of bikes. By selecting the make, model and year of the bike you’re interested in, the website will send you an email with information on the value and selling prices for any particular motorcycle.

One more pricing guide you may want to look into is Edmunds. com. This is an online information site which also supplies you with the value of your motorcycle, or expected pricing for the make and model that you are interested in.

You can purchase the books or visit any or all of these websites. Enter information about the condition of the motorcycle you presently own and want to sell or appraise, including any custom work and options, or do a query for pricing on a new or used bike you want to purchase. You will be provided with trade-in, suggested retail value and private party pricing. You’ll want to keep in mind also that motorcycle prices vary, sometimes greatly, depending on where you live, locally and globally. A good tip is to check the books or websites and your immediate market area to get the most comparisons for the best accuracy on cost and value.

Exclusive philippine property forum launched

Beth Collingz, Overseas Marketing Director of PLC International, the lead brokerage firm for Pacific Concord Properties Inc's Lancaster Brand of Condotel developments in the Philippines said included in this ambitious plan is the development of infrastructure - with the construction of new highways, the increase of telecommunications, electricity, banking, insurances along with improvements in education and health care specially in progressive cities such as Cebu in central Visayas.

Unfortunately, with so much real estate development happening in the country, coverage of information and relevant news has been scant - to say the least. PLC's new Property Forum, a dedicated platform designed to bring like minded individuals with one common interest under one community banner, aims to bridge that gap said Collingz.

Launched in August 2007, PLC's Philippine Property Forum is a young community that brings investors, holiday home owners, developers, agents, and just curious browsers together to provide useful exchange of information and ideas.

The property forum has been designed and with the intention of keeping relevant topics and issues active as the primary focus. The broad categories under the forum are: Condotels in the Philippines, other High Rise Condominium properties, and Investment help and advice. The forum encourages professionals and amateurs alike to share their views and opinions on issues related to Philippine Retirement, Visa Issues, Special Investor Visa's, Investing, Legal and Real Estate Laws in the Philippines, real estate taxes, property management and others.

With a relatively good number of projects under its banner, PLC's Property Forum aims to bring on board several large scale projects to share with its members. The forum also attracts corporate membership from developers who wish to participate in the community and communicate with its buyers and investors.

Most of all, PLC's Property Forum is probably the only dedicated platform related to the Philippines which maintains an independent view and allows free exchange of ideas and opinions. Still a young community, it will not be long before PLC's Property Forum becomes an authority on issues and topics related to Philippine property investment.

Member registration is free, and PLC's Property Forum is currently offering free corporate membership to key developers for a limited time.

PLC Global is also looking to expand its Web coverage after recently launching its WEBSEO services for accredited Realtors, Estate Agents, Brokers and Agents joining the PLC Web Ring by purchasing Philippine websites. PLC’s Webseo service provides Realtors with their own individual interactive webpage, agent profile, contact information and summary details of the developments they represent.

Collingz said the firm is actively buying any Philippine websites or Filipino orientated sites on the web to expand our global presence, this coming on the back of the recently announced new services in its efforts to help all realtors, real estate brokers and agents in getting more ground in establishing their presence on-line. Called PLC Webseo, the PLC Global Pinoy Web Ring offers realtors, estate agents, real estate brokers and agents a chance to have their own professionally designed webpage indexed to the plcglobalpinoy. com website designed to individually showcase and feature projects they are offering to the public, at a very reasonable and affordable price.

Anyone who has a Philippine website or Filipino orientated site can send us their offer of purchase said Collingz. We also invite all real estate agents to join us for a one time joining fee of only [Philippine Pesos] - Php-2,500.00 and a nominal yearly renewal of - Php-1,000.00. Interested parties can view a sample of the Webseo on the firms website Collingz said. PLC Web Ring members can also advertise with us, or exchange links. When you get to be a part of our web ring, you get free exposure/traffic as visitors click on the other member sites of the web ring. Members can advertise properties for sale or lease with us. And since we are constantly on-line and browsing the web, they can also exchange links for more free traffic and submit real estate articles to be posted on the site or Philippine Skyscraper Forums pages after being approved by site owners.

PLC Global's WEBSEO also offers its members cost-effective Web Design/Development and Search Engine Optimization services to business individuals as well as small business organizations and medium-sized businesses. Though our web development projects are usually built with Joomla! CMS, one the most popular content management systems today, we also offer development of brochure-like websites using cascading style sheets and HTML. Basically, we offer our search engine optimization services as an integral part of our web development packages. We also offer services to promoting new websites as well as maintaining high rankings in search engines with chosen search terms said Collingz

Where to find cheap car insurance

When it comes to finding cheap car insurance you can do no better than looking online, simply by using your computer and internet connection you are able to browse through and compare quotes from many different sources.

So if you are asking yourself the question “where to find cheap car insurance” then you have no further to go than your own home. The best way to make a start is to do a search using one of the popular search sites, in just a few minutes you will be presented with many insurers to choose from, from here you simply have to answer a few questions and receive an almost instant quote.

Of course you will have to do a little work yourself; there are certain things that you will have to consider before buying your insurance online. One is the type of insurance that you require, if your car is a second hand one of age, then taking third party might be your best choice. However if you have bought a brand new car from the showroom then you will probably want to make sure you have it covered for almost all possibilities and take out fully comprehensive.

Of course while you can make the best savings by shopping online for your car insurance there are many things you can do yourself to keep them down as low as possible. There are certain factors that will boost up your premium such as the area in which you live and while you can’t change this, you can do things such as installing the latest security alarms on your car.

Other factors which you should take into account are your age and sex, the younger driver does get penalised by having to pay a higher premium but there are sites that are aimed specifically at the younger driver and this is your best chance of making savings. Similarly if you are a women driver then there are sites that cater just for women, with women being known to be the safer drivers you can get the cheapest premiums by going with a specialist company.

Above all when buying car insurance always make sure that you understand what the policy entails and what you are and are not covered for, all policies do have exceptions and exclusions within them so always read what the particular policy entails before committing yourself.

Casino affiliate marketing gambling affiliate industry explained

If you have always wanted to be a part of the hugely lucrative online casino industry, but lack the capital to invest in the exorbitant software or to track down a unique Website domain. There is a remarkably easy solution for anyone finding themselves in this position. Whilst some may question the likelihood of earning money from a marketing program the results suggest something very different.

All over the Internet and in all the major industries people are profiting from joining online affiliate marketing programs. The larger the industry and it's potential clientele the more likely the success of an affiliates marketing. Few industries can match the phenomenal growth and financial muscle of the online gaming industry. Online casinos are riding a wave that shows no sign of depleting, dispersed over dozens if not hundreds of sites the industry is a multi-billion dollar market. When there is so much money to be made and such a large potential audience, the industry inevitably becomes hugely competitive. Marketing individual products is the key way for sites to gain in stature or remain amongst the market leaders, therefore all sites no matter how large or how small dedicate considerable effort in creating their brand identity through advertising.

Marketing through television, billboards, publications and event sponsorship requires considerable up front investment. Whilst the largest companies may flex their financial muscle, smaller companies must try to explore other avenues. The cheapest, most widespread and arguably most successful way of reaching people is through the Internet. The World Wide Web is a huge forum for advertising and cross promotion, site owners know that reaching an audience just a click away from their site is one of the best ways to attract new clients.

Through affiliate marketing all casino sites can benefit from free advertising on the Internet. Free that is until somebody clicks on the link and signs up for their site. This is an ideal way for sites to reach potentially huge audiences without having to pay anything up front. From the affiliate point of view, there is the possibility to earn money just for hosting an advert on their site. It only takes a few clicks from new customers to get the ball rolling for an affiliate to earn a serious amount of money. Most affiliate programs are based on a percentage of a player's lifetime revenue for the site. Meaning that the whole time a player remains on the site both the affiliate and the casino are earning a significant income. So in essence the casino affiliate program is a self-serving industry, in which both sides are equally happy with the arrangement. Due to the nature of the business structure it is also in the interests of both parties to attract more business for one another, which in turn keeps the industry strong and productive.

Tips and advice for hosting an unforgettable christmas party

It's just about that time of the year again! Each year, around this time, people start to get into the festive spirit and decide to celebrate with a party of some sort. I host a party for my friends and family every year, and each year I learn something new. In my experience, there are a few things you can do to make the party enjoyable for everyone…yourself included.

Plan your party well in advance. The holidays are a busy time for everyone, so give your guest as much advance notice as possible. Your best bet is to send out the invitations in late November, so your guests can have the time to plan ahead. Organization is the key to a successful party.

It is important to have some idea how many people will be attending your party. You could include a stamped envelop with the invite, so your guests can RSVP. If you are unable to confirm the number of attendees, save yourself some trouble and plan to have a few more people than you invited. By approaching the party this way, you will be sure to have enough food and drink for everyone.

When considering your menu, try to keep things as simple as possible. This does not mean you have to compromise the quality of your food. Experience has taught me that homemade desserts are always a big hit. Consider serving an array of tarts and pastries, along with tea and coffee. As for the other food, try to serve finger foods such as sandwiches or wraps. You can purchase a platter of these at a very reasonable price, and save yourself a lot of time. I also like to have to an assortment of appetizers such as breaded shrimp and spring rolls.

Regarding beverages, you should consider having a selection of things to choose from. Be sure to stock up on Egg Nog! You should have a reasonably well stocked bar that includes red and white wine, rum, whiskey, vodka, and beer. We love Irish Cream with our coffee! Keep in mind that not everyone likes to imbibe, so be sure to have an assortment of soda and juice on hand. Tea and coffee are absolute necessities.

Another thing you could do to make the party more exciting, is to base it around a theme of some sort. You can tailor your food and drink to the theme, as well. Wouldn't it be great if everyone showed up dressed in costume? We had a party a few years ago, and it was in the theme of a Victorian Christmas. It was so much fun seeing everyone together and enjoying the holidays dressed in wonderful evening gowns and tuxedos! So good luck, and have a wonderful holiday!

Hair regrowth treatment

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The search for hair regrowth treatment is often tiring and frustrating. It is nothing new to hear about men who try everything available off the shelf and even by prescription, to find the right hair regrowth treatment for their hair.

Actually, no hair regrowth treatment for men is complete if the product is not a combination of DHT blockers and hair growth vitamins and supplements. This is because hair loss is one issue and hair growth is quite another. Hair does grow normally until a certain age. But if hair fall is more than hair growth, it makes a visible difference called balding.

Hair loss in males in apparent between 18-35 years. Whether the cause for hair loss and balding is genetic, dietary or medical, this is the period in which it all comes out into the open. Androgenetic Alopecia is the most common cause for hair loss. It is also termed male pattern balding.

Androgenetic Alopecia is a classic condition characterized by increased presence of DHT - Dihydrotestosterone in the scalp. Dihydrotestosterone causes the hair loss in male pattern balding. This is because 5-Alpha Reductase, a naturally occurring enzyme in the human body, reacts with testosterone and produces excessive amounts DHT.

DHT blockers in Procerin arrest this production of DHT and its other ingredients accelerate hair regrowth and production. Procerin is an effective mix of Saw Palmetto, Magnesium, Zinc Sulfate, Vitamin B-6, Pyroxidine 5mg, CJ-11 Factor, CJ-9 Factor, and a proprietary blend of Gotu Kola, Nettles, Pumpkin seed meal, Siberian Ginseng, Yohimbe, Muira Puma Root, Uwa Ursi and other ingredients.

An all natural product without any side effects Procerin is available off the shelf in both pill form as well as topical solution form. It can be used on a daily basis without any complications whatsoever. People using Procerin have noticed results within two months and some even earlier.

Whether it is a widow's peak you are worried about or those bald unsightly patches or even uncontrollable hair loss, Procerin has in it the most effective ingredients to address your peculiar hair condition. And it is not just us saying it. You can check out the testimonials and reviews online and take the correct step towards longer, lusher hair.

Procerin - the last resort for retreating hair.

Practical aromatherapy anti-viral properties of essential oils

Antiviral Activity of Essential Oils

The body of evidence regarding the effectiveness of natural botanicals against a great variety of viruses is growing. Over twenty years ago, German scientists found extracts of more than 100 species of the Lamiaceae family to have antiviral effects. This discovery lead to and increase in the examination of essential oils in Europe for the treatment of viral infections.

Essential oils from many plant families have now been demonstrated to have antiviral properties. Interestingly, different plant families exhibit varying degrees of effectiveness depending on the virus strain. This is due to the particular molecular structures found in each type of oil, which penetrate physical entities to varying degrees (different tissues, cell walls, mucous membranes, etc). The effect on each virus strain depends also on the virus structure (enveloped, non-enveloped, molecular symmetry, etc.)

Certainly, one of the reasons for oils' effectiveness en vivo is their lipophillic character - essential oils are easily absorbed into mammalian tissues, where they may produce the greatest results. In fact, when studying the anti-viral effects of essential oils, researchers found that normal cells seemed to acquire a special resistance to viral penetration, though the mechanism for this effect is not yet known.

Melissa and the Herpes Virus

One of the Lamiaceae plants studied, Melissa (Melissa officinalis - also known as Lemon Balm), was shown particularly efficacious against the herpes virus (HSV). Doctor Dietrich Wabner, a professor at the Technical University of Munich, has even reported that a one-time application of Melissa oil led to a complete remission of HSV lesions. A cream medication for Herpes outbreaks, who's active ingredient is an extract of Melissa, is now sold in Germany under the name Lomaherpan. Use of Melissa essential oil itself may be just as effective - the oil can be applied directly to the lesions (or diluted to 10% in carrier if sensitivity is noted) to speed healing. Further occurrences can be prevented by applying oil to the area when sensations signal an eminent outbreak - repeating this protocol 3 or 4 times has been reported to cause total remission in some individuals.

Other essential oils found effective against the Herpes virus include bergamot, eucalyptus, lemongrass and tea tree. Related to HSV is Herpes Zoster or 'Shingles', another common virus-mediated skin condition. Application of a 50/50 blend of Ravensara essential oil and Tamanu nut oil has been found extremely effective for reducing symptoms by many people.

Antiviral Components of Oils

The list of essential oils exhibiting antiviral effects is extensive: Melissa (as above), tea tree, juniper, eucalyptus, thyme, palmarosa, lavender, rosemary, clove, laurel, cinnamon bark, anise, rose, lemongrass, geranium, neroli, bergamot, clary sage, and dill. The antiviral effect of an essential oil is due to particular components of the oil - some oils will work just as effectively on a particular infection as another, because they contain similar amounts of a certain component. The components of essential oils showing antiviral activity, and the oils in which they can be found, are as follows (from K. Schnaubelt, Ph. D. - Advanced Aromatherapy, p. 36):

Anethol - found in Anise

Alpha-Sabines - found in Tea Tree, Laurel, and other oils

Beta-Caryophyllene - found in Lavender, Rosemary, Thyme Linalool, and other oils

Carvone - found in Dill

Cinnamic aldehyde - found in Cinnamon Bark

Citral - found in Melissa, Lemongrass and other oils

Citronellol - found in Rose and Geranium

Eugenol - found in Clove

Gamma-Terpinene - Found in Juniper, Eucalyptus, Niaouli, Tea Tree and other oils

Linalol - found in Lavender and Neroli

Linalyl acetate - found in Clary Sage, Lavender, Bergamot and other oils

Limited In-Vivo Data

Good studies of application of these essential oils in cases of illness are difficult to come by, as infecting people with viruses in the laboratory to subsequently be treated with aromatics would be a difficult process at best. The oils and components above have mostly shown effectivenessin-vitro, though tests also indicate that the anti-viral effect should occur in-vivo as well. As with Melissa, it has been HSV that has been most thoroughly examined, because of the relative simplicity of doing so. But there is nothing particularly special about the herpes virus, and proper oil/pathogen paring should prove as effective.

There are some noted case studies by professional aromatherapists. Of importance in these studies is the oil/symptom relationship. Essential oils from plants of the Myrtaceae family - notably Eucalyptus Radiata and Tea Tree - and Ravensara (also high in Eucalyptol) seem to have helped in cases with respiratory symptoms. For the lower respiratory tract, Hyssop decumbens (from the same plant family as Melissa) has been of interest. Essential oils for such cases may be used either in a diffuser, being taken at regular intervals, or through massage, diluted in a carrier oil.

Conclusion

Because of the difficulty in many cases of illness in determining the exact virus type involved, more specific application cannot be given. Certainly, in cases of HSV, Melissa has been shown effective in a number of studies. For respiratory infections, Eucalyptus and Ravensara have been used with success, and can be safely used as an adjunct to regular medical care. These oils may support one's recovery on a physiologic level - essential oils also play a part in uplifting emotions, which may also speed healing, or at least improve mental outlook during the healing process. For such instances, one may simply find the essential oil or combination that one finds pleasant, calming, and/or uplifting. PLEASE NOTE: In no cases, however, should self-treatment with essential oils be used in place of professional medical care where signs/symptoms of infectious illness are present.

Do you know the value of article submission

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Article submission is the process in which the webmaster will submit articles to the article directories that will then publish them. This can create for the webmaster an enormous amount of back links to his or her website. That allows for individuals to get the traffic that they need without paying huge advertising dollars or trying to compete too heavily with the thousands of other website owners out there. It an easy, affordable way to generate traffic to your website.

But, what are some of the benefits for using these article submission websites? What will you gain, exactly from them? To understand what opportunities you have when you use article submission, here are some things for you to think about.

First, consider the fact that you will gain a tremendous amount of free traffic to your website. When you include your website link at the bottom of the article that you have written and that article is passed around from one location to the next, you are sure to reap the rewards with all the traffic that it will accumulate. Just on the primary side of things, that first website it is placed on, can do a tremendous amount of business for you.

Do you know of a better, virtually free method of advertising your website? Most do not have the huge budget of those million dollar advertising companies. If you use article submission in this manner, you are sure to create for yourself quite a good amount of free traffic. Unless you pay someone to write for you, you have very little to no cost at all on this traffic generator.

If you really don't want to do the writing for yourself, you can easily find writers that can write for you. While you will have to pay them, you will still be able to get excellent results. It as simple as finding the writer, conveying your need and then submitting the articles to article directories. Then, you will have even less to do yourself. That makes your job easier while still giving the same results.

Believe it or not, the value of using article submission may be more so than just getting the back links to your websites. In fact, you will be able to establish yourself as somewhat of an expert on the subject. This helps you to gain recognition as being a good source of information on the subject of your website. Why does that matter? If for nothing else, it helps you to establish a foundation as to who you are on the web.

All of these benefits are really only the tip of the iceberg when it comes to the benefits of using article submission. The bottom line is that your website, no matter how large or small, no matter what type of budget you actually have can have a good amount of traffic on it. When webmasters take your article, with your link attached to it, and place it on their website for content use, you are the one who is going to get traffic. Consider your own process. If you went to a website, read an article and learned about something would you click the link at the bottom to find out more about who wrote it or where to get the items? It is very much possible to generate quite a bit of traffic from this virtually free type of advertising.

Web design with a catch

Web design is an artsy interface. It is all about blending, harmony, unity and functionality. Its beauty and usability combined. Given is the fact that each web designer has his own style of making his design communicate. It varies according to the art influences that they have, their preferences and the stuffs that they want to incorporate in a certain design.

Time is one great influence. As we move forward, we are discovering lots of things to make our design better and more effective. Two of the new designs invading the internet nowadays are the design with the use of 3D objects and robots. This design is made possible by the use of 3D software, production technologies and other sophisticated materials.

When it comes to 3D objects, a simple spreadsheet can edit the same. Anyone skilled in the matter can control the object’s chamfers, fillets, dimensions, shell thickness and more. After that is to go into details. Even the minutest style element detail must be given a leeway and must be considered so as to yield a productive output.

3D software allows the designer to edit the image continuously. The style tools are just around the interface for easy access. This access can speed up the design process of the object. It can be edited and refined in an easy manner.

The evolution of these 3D tools will give a wider leeway to all the designers. As a result, design will be enhanced so as to make it catchier.

Another worthy discovery is the use of robots on the website. Robots can be easily downloaded. There are numbers of sites that are offering them. Through robots, you can give ample information. They are recorded so that the moment the viewers set their eyes on your site, they immediately hear the information. No need to scroll, no need to type. The information is readily made available to them.

These additions will surely uplift the web design’s aesthetic and functionalism aspects. More discoveries are yet to come.

Love - are you similar to each other

How similar are you with your partner? Agreed that both of you are in love, and enjoy each other's togetherness. You like each other and want to live together till you die. You may say that you love him/her with your body and soul. What about similarities between both of you? Is your love result of these similarities? Or despite few similarities you love each other? Similarities affect relationship to some extent and are important to discuss.

Work interest - Do you have common work interest? Are you qualified in the same stream? or your work interests are different? Common work interests lead to better understanding, but this is not very important.

Hobbies - Do you have similar hobbies? Even if they are not common, do any of you have any hobby that the other partner dislikes?

Values - how similar are your beliefs and values? Do you support same political party or your views are opposite to each other? What about your opinions on major issues of life? What about goals? Are your thought processes similar or different? These can make a major difference in the quality of love and life.

Living together can become difficult if the dissimilarities are many. Conflicts take major energy and time. There is no time left to focus on love and living together if major time is spent in sorting out differences. It is easier to feel love in the beginning if the similarities are few. As times passes, dissatisfaction rises and cracks appear in the relationship. It is difficult to live with a person who holds totally opposite views. More similarities always help in making love last for a longer time.

What causes psoriasis

When people are diagnosed with psoriasis, it changes them physically because of the lesions that appear on the skin. But, just as importantly, it may influence how they work, play, view themselves and interact with others.

What Causes Psoriasis?

Psoriasis may be one of the oldest recorded skin conditions. It was probably first described around 35 AD. Some evidence indicates an even earlier date. Yet, until recently, little was known about psoriasis.

While scientists still do not fully know what causes psoriasis, research has significantly advanced our understanding. One important breakthrough began with the discovery that kidney-transplant recipients who had psoriasis experienced clearing when taking cyclosporine. Since cyclosporine is a potent immunosuppressive medication, this indicates that the immune system is involved.

Can Genetics Cause Psoriasis?

Family History. Some people who have a family history of psoriasis never develop this condition. Research indicates that a “trigger” is needed. Stress, skin injuries, a strep infection, certain medications, and sunburn are some of the known potential triggers. Medications that can trigger psoriasis are anti-malarial drugs, beta-blockers (medication used to treat high blood pressure and heart conditions), and lithium. Dermatologists have seen psoriasis suddenly appear after a person takes one of these medications, gets a strep infection, or experiences another trigger.

Phototherapy Treatment for Psoriasis

Phototherapy involves exposing the skin to wavelengths of ultraviolet light under medical supervision. Treatments usually take place in a doctor's office or psoriasis clinic. However, it is possible to follow a treatment regimen at home with a unit prescribed by your doctor. The key to success with phototherapy is consistency.

Is psoriasis contagious?

No. You can't catch psoriasis from another person or give it to someone by touching them, and you can't spread it to other parts of your body.

For years people with psoriasis had options that were either time consuming or had difficult side effects. However the new science of biologics is offering treatments that may help people not only manage their disease but also clear psoriasis for months and sometimes years.

Easy to grow seeds and plants which can be grown at home

You may just have doubts of whether the plant will eventually grow or not. Also some plants require additional heat, water and humidity which maybe difficult to provide always. So here, we make gardening simple and easy for you. Here are the top easy to grow plants which will ensure success without fail!

Mint

This is one of the easiest herbs to grow. Mint plants will grow rapidly and even spread to neighboring patches of your garden if you are no careful enough. Hence, a good approach is to grow mint in a container. The good thing is that, this plant needs hardly any maintenance and care. You can take a fresh sprig of mint and can grow it anywhere either in direct sunlight or inside a cool and shady place. You only need to make sure to water the mint plant thoroughly everyday till you see the seedling leaves appear.

Tomatoes

Tomatoes are so easy to grow that it is almost ridiculous! All you need to do is take a handful of tomato seeds from a tomato which you have already cut. Then make sure to wash the seeds from all the tomato juice that is clinging to them. Otherwise the seeds will be coated with sugar which can cause a fungal attack. Then place the seeds around a quarter inch from the soil top. You should begin to see shoots appear after around a week or so. Once the seedling leaves appear, place them in direct sunlight for three hours every day till the leaves are grown. Then transplant the seedling into a pot.

Sweet peas

These cute looking green peas are often used in germination experiments in schools because they grow so easily. You could even place peas on a moist wad of cotton on a bowl. Then keep the bowl in a shaded area and watch the seeds sprout in a few days’ time. You can transplant the seedling once you see the secondary leaves appear on the shoot.

Beans

Beans are another great option if you wish to ensure fast gardening. Simply place a couple of beans inside a seedling pot. Then water them regularly and keep the pot in a shaded area. Once the shoots emerge, place the seedling in direct sunlight for a few hours daily till they toughen up to face constant sunlight.

Ginger

Did you know that you could cultivate ginger by just cutting off a portion of the ‘eye’? The surface of the ginger root has several small projections on it. In order to successfully grow the plant you need to cut off this portion and place it under the soil. It will breed marvelously. Slowly, it will grow its roots into the soil and then the shoots and leaves will appear.

Lemons

You can easily grow a lemon tree from existing lemon seeds. Just take out the seeds making sure none of them have been dehydrated or damaged by cutting. Then wash off the seed surface from all sugar residues. Then plant the seeds into the soil. You will need to place the seeds a little towards the bottom of the soil. Then you can expect to see seedling plants emerge. The good thing is that each seed will yield multiple seedlings.

Nasturtiums

These are vine shaped plants which have leaves that look like lily pads. The great thing about this plant is that is comes in vibrant colors like vanilla, yellow, crimson and orange. These flowers are not edible and once you have planted these, they will regenerate with every season.

Cosmos

This plant is typically found in the old fashioned garden patches. You will find these plants in two varieties – sonata mix and seashells. Growing the plant from the seed is always better than just placing a seedling into the pot as the plant emerges stronger with better yield. The Cosmos plant is fantastic at regenerating itself time and again!

Sunflowers

These beautiful flowers can be grown from the seed itself. These flowers will be tall, bright colored and always facing the sun! You need to have ample space to grow sunflowers as the flowers grow as high as a corn crop!

Ornamental grass

This is a type of grass which grows out very quickly. Besides, its soft and velvet like appearance makes for a nice decorative patch in the garden or near your balcony. You can easily anticipate regeneration in the next season.

Arugula

This lettuce variety is a nut-flavored and is mostly found in the high-end salads. Hence, it would do you good to plant them to make your salads! You need to plant the Arugula inside a pot and place it in your kitchen where it is less sunny.

The great thing about growing plants at home is that they are more economical and organic. Therefore there are no chemicals making for a healthier, tastier meal!

Getting visitors to stay through web based marketing

9/10 times your web site visitors won't stay for more than 15 seconds. This is how you get them to stay, or should I say, get them to come back!

For most of you, your web site is a great brochure. It probably outlines your services very well. There's nothing wrong with that what-so-ever!

but...

There are creative marketing strategies that you can implement so that you don't entirely loose your clients, you just need to keep them in the loop for when the time comes for them to buy.

"Marketing Online - Is about creative patience"

Being creative with your web marketing ventures is crucial but it doesn't necessarily react like print magazine ads or like newspaper press releases. No, it takes time for something to kick into full force.

This is why you should always keep on top of creating something new because, just like regular marketing, if you don't have another campaign ready to go when your done this one, you'll start to loose prospects on the way and create a slow period for your business.

You want your world online to consistently grow. Don't grow too quickly, just grow and keep growing with all your marketing efforts.

Here are some of the marketing strategies you can implement:

- Create an online newsletters

- Give something away for free

- Create online questionnaires

- Engage yourself into discussion groups

- Write helpful tips

- Create local resources for others

- Have a section of tips from others in your field

- Create a forum on your site

As you can see, these are all marketing strategies that ingage people in some way. The key is to create emotion through your visitors. Once you've engaged someone from your site, your site will be imprinted on their mind. It may take them a year to buy something from you but once in a while, maybe even weekly, they will keep coming back to your site.

The important thing to remember is that, eventually, we loose all of our visitors, even more important is to find marketing ventures that keep them coming back from time to time.

Just because someone saw your service today, doesn't mean that he/she is ready to buy what you are offering. Many people "Shop For Tomorrow". They like to browse around, see the options out there before they dig into their wallet.

I hope this article will spawn off some ideas for you!

What can volumepills do for me

For most adult men life turns into routine around the age of 30. As days and weeks slip by everything blends in the same “wake up, go to work, go to a bar, come home” that looks good for a year or two. Later on, the routine becomes harder and harder to handle, especially since the benefits don’t seem to amount to much anymore. Work is at least somewhat boring and unchallenging. The bar scene is also boring and one can hardly remember the last fun date. Drinking with the friends turns into a bitter routine, despite the fact that all those involved are keen to disguise this fact from themselves and from each other.

Sex is also no longer as exciting as before, and, worst of all, a change of partners won’t help this time because the problem lies with you. Long hours spent at work sitting in the same chair, lack of physical activity and a chaotic daily diet are taking their toll on your sex life. You penis is no longer as quick to respond to the call to arms and the orgasm is not as good anymore. The natural response in such cases is to wonder if this is just a passing phase or something worse. Fortunately, most men going through this situation are in for nothing more than a temporary discomfort that should go away with a combination of relaxation to relieve stress and of working out to stimulate testosterone production.

But there is something else you can do to make this problem go away. Something that many men have tried before you and which helped them enjoy sex a lot more. Wouldn’t you feel good to know that your erection and orgasms last longer and that you can ejaculate more semen than ever before? This is why you need Volume Pills , the high quality, perfectly natural pills which can lead to the greatest sexual experience of you're life.

You may say that ejaculating more sperm is not that important, but think about it for a minute. The intensity and duration of your orgasm depends on how much sperm you ejaculate, which means that the more sperm travels upward from the testicles, the longer will your orgasm be. Volume Pills works by stimulating the production of various substances in your body in order to accomplish certain ends. The natural production of testosterone is boosted with the help of Zinc and Dong Chong Xia Cao, which results in an increase of both the quantity and quality of sperm. Other substances help regulate the blood flow whose healthy functioning is so important for longer and harder erections.

So, what can Volume Pills do for you? It can put a satisfied smile on your face. It can help you become a better lover who pleases his lady every time and makes her come back for more. It can help you get more pleasure out of your sex life. And, lastly, it promotes the psychological well being that comes with a happy and fulfilling relationship. But first and foremost, Volume Pills is here for your pleasure.

Abdominal weight loss yoga can help you lose the gut

Whenever anyone says or gestures that they want to lose weight, most of the time, they point to their guts saying “I wanna lose all this!” Obviously, abdominal weight loss is a goal for many people.

However, what most people might not be aware of is that-of all exercises-Yoga actually can help immensely for weight loss in the abdominal region. There are specific poses, that target excess weight in the abdomen and coupled with a customized diet, those seeking abdominal weight loss would find success in using these yoga exercises.

Let’s go over them, shall we?

Abdominal Weight Loss: Yoga Poses to Use.

1. The Sun Salutations: These are a combination of poses that serve as a warm up-routine for a Yoga session or class. They are very similar to the popular calisthenics exercise known as burpees. However, they differ in that they have a spiritual significance included as a result of executing them. Due to the forward and backward bending motions involved, after performing a few to several rounds on a daily basis, you are bound to notice a marked loss of weight in you abdominal area and the added bonus of muscular tone.

2. The Bow Pose: This simple pose involves laying flat on your belly and grabbing your ankles with both arms while simultaneously lifting your head up high. When performed correctly, you should be resting on your abdomen. Needless to say, it is a pose commonly recommended for weight loss and the prevention and correction of chronic constipation.

3. The Peacock Pose: This is slightly more challenging. The objective is to balance your abdomen on your conjoined elbows while simultaneously raising your legs and head of the floor. Naturally, merely attempting it speeds up abdominal weight loss and detoxification of the visceral organs and the preparatory stage could suffice as the actual execution of the pose till the mastery of it is achieved.

4. The Abdominal Lift: This is not a pose, per-se but is a specific exercise that involves you exhaling your breath and pulling the diaphragm in while holding the breath out. This is a specific abdominal exercise for weight loss, spiritual rejuvenation and detoxification.

Now friends, there are other poses such as the shoulder-stand, the forward-bending pose, the spinal twist and the wheel pose that also target increase in muscular tone and weight loss in the abdominal regions, however from practice the 4 above will perhaps be the most effective.

Do note though that if you are female and pregnant or in your menstrual period, some of these poses might not be the best to execute.

Moreover, since these poses-besides helping with abdominal weight loss-aid tremendously with detoxifying, it is advised that one eats a proper and healthy diet to augment the actions of these poses.

Other fantastic exercises for abdominal weight loss include your intense Aerobics, the use of the ab-wheel, basic sit-ups, windmills etc.

So empower yourself with these tips and information to achieve your goal for weight loss. Lose that gut starting today.

What are mezzanine loans

An increasingly popular loan vehicle for commercial property, the mezzanine loan is similar to a second mortgage with a major variation. Rather than being secured by the actual real estate property, mezzanine loans are secured by the stock that is held by the company that owns the real estate. The real estate itself has already been used to secure the first, or primary loan.

If the company fails to make timely payments on their mezzanine loan, the lender can foreclose on the property, seizing the stock. If the lender has control of the stock, the lender has control of the company and of the property or real estate. In fact, foreclosing on a loan that is secured by stock is much easier than foreclosing on a loan that is secured by real estate property.

If the loan holder defaults on the mezzanine loan, the lender can take over the stock of the company. This means that the lender can sell the property although it would still have to pay off or satisfy the initial mortgage. This strategy provides a streamlined foreclosure that takes much less time than the standard foreclosure on a mortgage.

Why would someone need to get a mezzanine loan rather than a conventional second mortgage? In many cases, the terms of the first loan preclude subsequent liens or second mortgages on the property. Hence, the mezzanine loan comes into play since it does not involve the actual real estate holding. It allows the borrower to have access to additional funds that would not be available otherwise.

Typically, a mezzanine loan is one that is acquired for a large project such as an office tower, large shopping center, shopping mall, large hotel, apartment complex, or industrial park. Mezzanine loans are large loans that cover millions of dollars of debt. In fact, mezzanine lenders are often quite specialized in the specific type of loans that they offer. Therefore, it might be necessary to search for a lender specializing in loans for the specific venture that you are in.

The first mortgage always takes precedence and the mezzanine loan always takes second place. For the borrower, one of the advantages is the ability to secure additional funds without the use of the property as security. The borrower can meet financial goals with the additional dollars provided by mezzanine loans. This would not be possible with conventional loans due to the terms arranged in the first mortgage.

One of the advantages for the lender is the ability to foreclose at a quicker pace should the need arise. The mezzanine loan is a form of junior financing that has no claim whatsoever on the underlying real estate or property. The company or partners in the project pledge their interest holdings or stock as security. The interest of all holders must typically be pledged to the lender of the mezzanine loan. This practice guarantees that the lender will acquire full control of the stock or interest in the project should the loan default. Partial control could inhibit the ability to sell the property in order to realize the repayment of the loan.

Mezzanine loans can be short term, long term, fixed rate, floating rate, amortized, or standing. In most cases, they are short term, interest-only, and floating rate loan transactions. Additionally, this type of loan is generally used to borrow millions of dollars.

What to look for in a web hosting provider

The Internet is one of the largest sources for information available now-a-days. Millions of company and personal websites are opening up every day. One should also be a part of it to survive in today’s competitive world. Before opening a website, however, he needs to have a solid web hosting provider. In this article, the necessary aspects of a web hosting provider will be discussed briefly.

One needs to find a web hosting company that meets his requirements. It is never an easy task to search for an adequate web hosting provider. However, this task will be simpler if one knows what they should look for.

The primary objective that one should look into is support. No matter how great the web host is, one will need assistance sooner or later. It is a good idea to send them some e-mails (most preferably in awkward times) to have an idea of their response time. This way, one can also judge the provider’s quality of answers beside the speed. A web hosting company that offers the right balance of quickness and substance should definitely be on one’s preferred list. A host offering a true 24/7 support is highly suggested. It is imperative that they provide several different types of support. Usually, most web hosting companies offer message boards, help desks and an online support staff. One will be benefited immensely if he can talk to an online member of the support team via popular online messengers such as ICQ, AIM, YAHOO or MSN when he just needs a quick fix. Message boards are also an effective tool used by the web hosting provider to contact their group of clients on issues which the company has not covered beforehand. Aspects of design or formatting of clients’ web pages are some of the problems handled by message boards. A lot of web hosting message boards show a friendly and helpful attitude which makes it easy for a client to join in. One should check out all the types of support and compare them with other companies he might be interested in doing business with.

One needs to compare the price of the service to the number of benefits offered by the provider. There is no point in paying a setup fee when a web hosting provider has nothing unique to offer and hence, it is best to look for hosts with a $0 setup fee. One should also look for a month-to-month payment system as it gives you the freedom to switch hosts in case their performance/quality drops radically. One should also check out the public forums to find out if the clients of a particular web hosting provider are really satisfied. As little as ten percent bad review mean there is something wrong with the host. Hence, you should also try this before picking a web hosting provider.

In a nutshell, extensive research is the key to find a good web hosting provider.

Securing your wireless internet connection

The widespread use of Wi-Fi Technology is bringing to light many security issues that may have gone unnoticed by the average user. Traditional wired connections have obvious security precautions that most users are accustomed too, but extra measures must often be used when transferring data across a wireless, and sometimes public network. A wireless Internet connection without security can easily give anyone access to your files, email, and even gives others the ability to make changes to your computer.

These types of security problems will probably have little impact on most users. Occasionally surfing the web at a coffee shop or having a wireless adapter set up on a printer will likely not bring down the house. To a business holes in security can cost time, money, and could possibly be a legal violation. A badly secured Wireless Internet connection is an open door for hackers to use the technology to cause general mischief or to even commit crimes. The most common methods currently in use to secure a Wi-Fi connection are SSIDs, Wi-Fi Protected Access, and WEP.

SSID (Service Set Identifiers)

Every data packet sent over a Wi-Fi connection has a specific identifier attached to it. This identifier, or SSID, can recognize particular wireless networks and everyone accessing a particular network must have the correct Service Set Identifier. From a security standpoint SSID alone offer almost no protection, but it does give a network a specific name making is clear what network a user in connected too.

Knowing where you are connected too has become increasingly important due in part to a wireless internet attack called The Evil Twin. While this may sound like something Dr. Evil would use, it's a common hacker technique. The way it works is a hacker takes in a mobile wireless access point, usually set up on a laptop, and then enters a public area where an access point already exists. If no SSID is set up, then someone may actually log on to the hacker's computer giving them access to all data sent and received. This is a great way to get access to usernames and passwords.

Even with SSID a hacker is going to name their network something confusingly similar. If you are at your favorite coffee shop and are about to log on, check the names of the networks carefully. Be careful if you see two possible networks with very similar spelling like these:

• CoffeeHouse

• CofeeeHouse

The hacker is hoping his network shows up first in the list, and that users will log on so quickly they won't realize what they are doing.

WPA (Wi-Fi Protected Access)

WPA was originally designed as an answer to security holes that were becoming apparent in the widely accepted WEP technology. Wi-Fi Protected Access is an attempt to create standards within the wireless security industry, and begin a move towards unifying the market. The Wi-Fi Alliance designed the technology and a scattered market is beginning to see a unified method of security on the horizon.

The two main differentiators between WPA and WEP are key size and the number of packets that actually carry the key. The number of characters in a WPA key is considerably more than a WEP key, and it would taking sifting through many more data packets to actually put a WPA key together.

WEP (Wired Equivalent Protection):

Wired Equivalent Protection uses encryption to protect data as it travels via radio waves from transceivers. This means that when you send your email from your laptop it becomes encrypted, is sent out wirelessly on radio carrier waves, is received by a wireless access point, is then decrypted and sent on to the Internet as any wired connection would. As the name implies this security was designed to provide the same level of security a wired connection would. This is not the case, but the security is usually strong enough for most users.

The reason WEP has never become as secure as a wired network is there is simply no way around the fact that anyone can intercept radio wave and get the data out of them. The level of encryption that the data has will mean the information is meaningless unless the interceptor has the WEP key. The problem here is that all data packets carry a piece of the key and that in time, with enough packets, the key can be produced. This is a lot of trouble to find out where a user has been surfing, but maybe not too much to acquire hundreds of credit card numbers. Again if you are not targeted by a hacker, WEP is surely enough protection. WEP is currently installed on almost all wireless routers available to consumers.

The benefits and pitfalls of working from home

Working from home has become increasingly popular in recent years. Many people enjoy the freedom of working from home and this has prompted several of them to join the ranks of freelancing and operating small businesses from the comfort of their own homes.

But for those who think that working from home is an easy stress free way to earn a living they may want to delve a little deeper. While working from home does offer many benefits it’s not always as simple or luxurious as some may imagine. Some people may have a mental image of making money while sitting at home in pajamas sipping morning coffee, being done with the workday by noon then going out to play golf after lunch. Anyone who works at home knows it’s not that easy.

Working at home does have its perks and if you choose to work few hours you won’t be making much money. Basically what you put into a work at home career is what you get back. It also depends on the type of home business you venture into and your area and level of expertise. For example, freelance writing, as with most other freelance jobs can be unpredictable. You may experience high and low periods where you may have more work flowing in than you can handle and other times when there is barely enough to make ends meet.

Making the decision to open your own business, even a small work from home business may take some time and investment. Depending upon your career choice, you may need to purchase equipment, build a list of clients and invest in advertising. You may also need to check and see whether a zoning permit or other license is required. Word of mouth is a good form of advertisement; it doesn’t cost you anything and the results are usually quite positive. You can also utilize the internet as a no or low cost form of advertising as well as the local newspaper. You may also want to invest in some sort of sign and if you will be having clients come to your home office you may want to set up your office in a room of the house that allows access to a private entrance so that people are not traipsing into the living areas of your home.

Working at home has become very popular among stay at home moms but many others have decided to make the change as well. Working at home is ideal for parents who want to remain at home with their children but doing so can be stressful when trying to work amidst distractions. It may be helpful if there is someone else at home who can assist with the family duties and tend to the children during work hours. If this is not possible it may be best to try to schedule work hours so that they coincide with school hours or nap times for younger children.

Work at home jobs have touched on a variety of professions from medical billing and consulting services to childcare and pet sitting. It has also become an avenue for bringing out creativity in many individuals. People have taken hobbies such as candle making or pottery and turned them into fairly lucrative businesses. Others have taken their knowledge and concern for health and well being and combined them to create items such as natural soaps and skin care products. Many environmentally aware individuals have found creative ways to recycle old products into reusable merchandise. They have found ways to give new life to old items, help the environment and earn a living at the same time.

If you want to work from home but aren’t sure how or what to do, put some serious thought into your decision. Ask yourself a few questions and jot down your thoughts and ideas. What do you do best? What do you enjoy doing? What training, experience and education do you have? What type of jobs have you held previously? Be honest with yourself. Are you good with children? Do you have a unique and gentle way with animals? Do you have a special area of expertise? Do friends come to you for help when planning a party or decorating a room? If so, you may want to consider those possibilities. Perhaps you have a knack for sewing or maybe you enjoy refinishing old furniture. The possibilities are endless. Once you’ve made your decision, do a thorough amount of research so that you are well prepared to launch your new career. Being informed and prepared are the first steps to success.

Easy steps to maintain a good credit score

A good credit score can be an asset when you need it most. But if you don't regularly monitor your credit status, your credit score can become a liability. Have you checked your credit report lately?

By law you are able to obtain a copy of your credit report free every 12 months from each of the three nationwide credit reporting agencies, Equifax, Experian, and TransUnion. The three companies have formed a central agency so that you can request a copy from all of them at once. It’s called Annual Credit Report and can be accessed online.

This free credit report can be a valuable tool in maintaining your lifestyle and can save you money. By monitoring your credit report on a regular basis, you can catch any errors that may have been recorded and see that they are corrected immediately. Also with the increased crime of identity theft, with a vigilant eye on your credit reports, you can catch any funny business early.

There are just a few things you need to do to maintain a good credit score.

-First and foremost, make your payments on time.

-Stick within your budget and manage your debt.

-Do just what you're doing and monitor your credit report regularly to correct any possible errors.

-Try to avoid any unnecessary inquiries of your credit report, as each request can be marked against your good credit score.

-Reduce your credit card balances if they're limited out.

-If you don't have enough credit history, you may consider applying for new credit.

By carefully reviewing your credit report on a regular basis, you can be sure that you maintain a good FICO score. "What is a FICO score?" you say.

The FICO score is the 'grade' with which financial institutions use to judge the risk they take when extending you credit. The higher the FICO score, the better. The scores generally range from 499 - 800 plus.

By keeping a close watch on your credit reports, you can help to protect your good credit. Whether it's a car loan, credit card, or mortgage, your credit score can dictate the interest rate of your new loan. A good credit score can save you money.

Car loan financing finding a good lender

When purchasing a new vehicle, most people don’t have enough funds to pay cash and must obtain car loan financing. After deciding which type of car to buy, the next important step is finding a good lender. While you may have no problem qualifying for car loan financing, it is important to shop around before deciding upon a lender. You can do this by either visiting local banks in your area or by researching car loan financing offers online.

If you have good credit, you may even want to decide upon a lender before visiting the car dealership. This way you can get pre-approved for a set amount of cash. Once you have been preapproved, you know how much you have to spend. You won’t be as tempted to look at cars that are out of your price range. If dealers know you have already been approved for a loan, they may be more willing to negotiate a deal. Since most salespeople work on commission, they will do their best to accommodate someone who has already been approved for a loan.

Down Payment and Interest Rates

Your initial down payment will affect what type of car loan financing you receive. The greater your down payment, the lower rate of interest you can expect to be offered. Auto lenders will consider you less of a risk if you invest more in the vehicle upfront. It may be very tempting to apply for car loan financing while a dealership has a “no money down” offer, but you should be aware that the interest rate terms might be much higher.

Length of Payment Terms

Until recently the longest term for car loan financing was sixty months. Today dealers have started to offer extended payments plans of seventy-two and eighty-four months. This has caused consumers to purchase more expensive vehicles, cars that would generally be out of their price range.

While you may dream of buying a $40,000 dollar SUV, it is probably not a good idea unless you can pay for it within a five year time frame. Remember that once the warranty period is over, you are responsible for all repairs. People who finance their cars over a seven-year period often end up owing more on the car than it is actually worth.

Attracting prosperity what do you have to believe to prosper as an entrepreneur

What do you have to believe in order to show up, serve, and prosper as an entrepreneur?

Your beliefs, assumptions, and opinions give shape to the world, ordering the vast quantities of information and overwhelming amount of stimulation you receive every moment. As many self-mastery gurus have advised us over the years, negative or limiting beliefs tend to close down possibilities, narrow the future, put a lid on progress. Much has been written (and fortunes built) on how to identify and dissolve limiting beliefs.

But what about positive beliefs? While it is important to be able to notice and work through limiting beliefs, it is also important to know and take a stand for what you "have to believe," to be proactive about what gets you out of bed in the morning, sparks your vision, fuels your choices, and instills the spirit of entrepreneurship.

A "have to belief" is a way of understanding that resonates so deeply with your sense of purpose, meaning, and service that you willingly embrace it and subordinate your choices to it. A "have to belief" is one that you hold with conscious commitment and self-reflective awareness, knowing that it is a belief (not a fact) and being responsible for the ways this belief endows your life with meaning, purpose, and focus.

There is no absolute, verifiable, objective third-party system that can prove a "have to belief." Instead you learn to hold these beliefs as a skilled fencer holds a sword or a tournament tennis player a racquet: with a loose-and-tight grip that responds to both inner promptings and encounters with the physical world.

It's important to hold a "have to belief" loosely enough to remember that you do not have the right to impose your belief on anyone else. And in this loose-enough grip, there is room to question, challenge, and evolve what you "have to believe" as your learn and grow.

At the same time, it is important to hold a "have to belief" tightly or firmly enough that it can order your experience (without closing down awareness of other possibilities) and provide emotional and spiritual sustenance.

So what does this have to do with being open for business and your prosperity as an entrepreneur? In my view, everything. Every day I encounter in myself or in my clients situations that we cannot rise to without an adequate belief system. It is not enough to deconstruct limiting beliefs. In order to continuously craft a meaningful and functional definition of success and to chart or re-chart your course, you must become responsible for what you have to believe and how you are about believing it.

Here are some other "have to beliefs" that show up in my work with entrepreneurs, business owners, independent professionals, and artists. Try them on for size. Notice that what a "have to belief" does not need to quarrel with reality.

-- I have to believe that people can take care of themselves, and I know that sometimes they cannot.

-- I have to believe that my thriving and prosperity will not necessitate someone else's suffering, and I know that sometimes it might.

-- I have to believe that being a good steward for my business will help me show up and serve.

-- I have to believe that I can afford to act in my client's best interests, even when that means that I will earn less (or no) income.

-- I have to believe that prosperity is attractive to the people I want to work with.

-- I have to believe that there are plenty of people for whom my work is a perfect match who can and will value my services enough to pay for them.

-- I have to believe that mistakes are the compost for future success, and I know that this includes picking up after myself and making amends for my errors.

"Have to beliefs" are beliefs you choose because they make you stronger, wiser, smarter, kinder, more resilient. They challenge you to be bigger, more creative, bolder. And for every "have to belief" a new world of action is revealed.

What do you have to believe in order to show up, serve, and prosper as an entrepreneur?

Looking for a dog trainer in new york

If you are searching for a reputable dog trainer in New York, the first place to look would be your kennel or veterinarian’s office. Because both of these places come in contact with dog owners on a daily basis, they are bound to know of someone who has used a reputable trainer for their dog in New York. Asking around at the kennel your dog visits regularly, might end up with you finding the perfect trainer. Veterinarians’ are also a great resource when looking for a dog trainer because they are mostly one on one with many dogs and their owners, and have a chance to see which dogs are trained well and which ones are not.

Another excellent resource for finding a dog trainer in New York would be word of mouth. Asking everyone, who you come in contact with on a daily basis, might lead you to a reputable trainer for your pooch. The reason word of mouth is such a great way to find information is because you have a chance to talk with someone who has personally experienced their dog going into training with a particular dog trainer. This gives that person who has had that experience, a chance to tell you what they like and did not like about any given trainer that they may have used. As well as them telling you why they picked the particular trainer they did over another. This may also give you some insight on which trainer you want for your dog, and for what reasons.

Finding a dog trainer in New York can also be as simple as picking up your local newspaper and looking through the classified section. Many times in local newspapers there will be a section I the classifieds specifically for services to be advertised. Checking this part of your newspaper out may land you a reputable trainer looking to take on more clients.

Whichever way you choose to find a dog trainer in New York, be sure they have been in business for a while and have a good reputation. Knowing that your beloved dog is in the hands of a reputable dog trainer will ease your mind and make your dog more comfortable during training.

Why oh why is the golf swing so hard

What part of the body contributes the most to generating the maximum speed of the club head?

This single answer allowed me to make a huge leap in my understanding of the golf swing, and in everything I had seen and read about the golf swing none of it emphasised it enough.

I carried out a survey on the Internet over several weeks and asked visitors to my web site the question:- What part of the body contributes the most to generating the maximum speed of the club head?

Only 20% got the answer correct – That’s only 1 in every 5 golfers! And these golfers had a wide range of handicaps down to single figures.

Interestingly this figure corresponds to another golfing statistic - Did you know that only around 20% of golfers have a handicap of less than 18? It made me wonder whether the misunderstanding of the fundamental aspect could be the one thing that is holding so many golfers back.

Which part of the body do you think creates the maximum speed of the club head?

Is it:

Shoulders

Arms

Hands

Hips

Legs

Torso

wrists

....So the answer to the question that I posed above is that it is the hands (or wrists) that contribute the most to generating the maximum club head speed.

The club is moved through over 180 degrees whilst the arms move through less than 60 degrees – all of the rest of the movement of the head of the golf club is generated by the movement of the hands. Unfortunately the large majority of golfers think that it is with the shoulders and arms.

I’ll come back to this point later as even when you get everything else right in your swing this can be a real good swing killer!

National identification cards. what s the purpose

There are many reasons why countries, small and large, are reviewing the needs for national identification cards. Many of the reasons have to do with immigration, border control and some are simply economic. When considering national identification cards for a country, it’s fairly simple to understand the perceived need to clearly identify someone’s nationality for reasons from employment to citizenship benefits. Even when reviewing who should receive medical or any other service offered by a government to its citizens and to protect these services so they are not abused by individuals whose citizenship is with another country.

The only form of national identification is a printed piece of paper in many countries, and because of this many of these nations are reviewing their possibilities. These documents are simple to forge since they don’t contain a picture or other identifying marks other than being the person holding the document. Reducing the abuse of services and controlling costs is reason enough to implement a national photo ID card and database. Because of these needs and many others it is apparent that some of the information on the identification cards would include characteristics of the holder such as height, weight sex and eye color. Some nations have included items such as retinal scan information and finger prints into the national database and into the identification cards themselves.

Some of the countries that are entertaining or beginning this process do not have an up to date account on its current residents or even census information on their citizens. Implementing a national identification card into a country such as this allows for many other needed benefits, such as tracking the activity of its citizens when it comes to border crossings, criminal records, government employment history or military service. Presently many of these countries have databases to track these items, but most are independent of each other. Creating a national ID card would allow the merging of all of these databases into a common solution that would allow for a much simpler identification and review of an individual’s history.

As governments review these types of requirements, it has become in many cases a task for outsourcing. For many nations, undertaking the monumental feat of photographing, capturing information and providing ID cards to every citizen is too large for governments to handle efficiently. There have been a few companies providing solutions for nations and one of them is FullIdentity. com. This organization has been providing photo identification cards for individuals for about seven years and have created solutions that incorporate much more than simply providing cards. In many cases solutions have been developed for countries that are not only easy to implement but also provide an economic benefit for the countries implementing them. Simply put, when outsourcing the identification card needs of a country to a provider such as FullIdentity. com, the costs are less expensive than they would be if a nation took on the burden of developing a solution internally. Because of the discounted expense, the country can charge the citizens less for the ID cards than they would if the nation was passing the expense along directly to the resident. This would still leave a financial margin that would be paid to the government.

It is hard to find an economic reason for a government not to implement a national identification card system. Advocates will shout that “big brother” is stripping them of their rights and privacy; but shouldn’t someone be watching our criminal records, military service and border crossings? Doesn’t a government have the responsibility to ensure that only their citizens are receiving benefits from their own country or should anyone be allowed to receive these benefits when their citizenship belongs to another nation?

Exercise anywhere with your bicycle

A car bike rack will give you the opportunity to get more exercise anywhere that you want. You will be able to bike anywhere that you want-from beaches to mountains to forests.

A car bike rack can make your bicycling even more fun and adventurous. It will enable you to get that exercise anytime and anywhere that you choose, because you can always keep your bicycles handy for you and your entire family. All of the lower body muscles are used in bicycling, which makes it a wonderful cardiovascular workout.

You may enjoy indoor bicycling on a machine, but you are only getting a small part of the benefit that bicycling can offer you. Going bicycling outside can relax you and can be a very fun activity to do with your friends or family. Biking clubs can be found in almost any part of the country and this is a great way to find some friends that will enjoy sharing this hobby with you. All of these reasons only support the idea of you needing a car bike rack so that you can be ready to go biking anytime.

You will have a great deal of freedom with a car bike rack. You can take your bike anywhere that you want-from the beach to the mountains to the woods-easily and conveniently.

From a short weekend jaunt to a longer vacation, you will be able to take your bicycles with you with a car bike rack. This will help you stay on track with your exercise regimen and it will give you new opportunities to have fun. Bicycling can be relaxing and fun and with a car bike rack, you can do it anywhere that you choose.

A car bike rack will make it much easier to work out when you are on the road, too. If you travel for work, then you will enjoy having your bicycle with you so that you can work out as much as possible. A car bike rack can give you that flexibility and convenience.

This is great if you take your vehicle on your work trips, rather than flying. It will not take you much more time to load your bike with a car bike rack. You will have fun looking for fun and interesting places to bicycle and get your exercise, too. Another great benefit is that you will not have to worry about finding the gym in the hotel, either, because you will have your very own way to get that exercise in.

Getting a car bike rack will open up more opportunities for you to ride. Whether it is when you take a quick trip to your moms at Christmas or when you take a weeklong vacation at the beach, you will be able to take your bicycle so that you can have fun and do some exercise.

Ready set change

I was at work one day, calling on a customer who wasn’t answering her phone. Her voice mail message started out in the usual way, “…we’re not home, leave a message…” what followed was not so usual. It continued, “…by the way, we’ve recently made some changes in our life, if we don’t call you back, you’re one of the changes, beeeep”. My first reaction was disbelief at what was probably one of the rudest messages I had ever heard (and I’ve heard quite a few!). But I couldn’t get it off my mind, and by the end of the day I had changed my perspective. I began to admire this woman, who was obviously at the end of her rope. She was very determined, for whatever reason, to end relationships that were affecting her life in a negative way.

Change is never easy, especially when it requires us to dramatically alter the way we’ve become accustom to living our lives. Leaving our comfort zone, no matter how much we dislike it, requires a combination of bravery and determination, as well as education in that area.

Many times we’re so desperate to better ourselves, we hastily make ineffective and, sometimes expensive, decisions that we feel will quickly produce the results we are looking for. Purchasing a costly gym membership and vowing to attend seven days a week while surviving on lettuce, may seem like a great idea for a few weeks (if you’re very determined,) but how long can you live like that?

If you’re serious about making a long-term change in your life, take these steps to ensure your success:

Educate Yourself

Aside from determination, education is the most important key to your success. Knowing exactly what you must do to accomplish your goals will give you the power to make them a reality. Consult a professional or check out a book written by a credible authority on the subject. You can also tap the wealth of information to be found on the Internet. Friends and acquaintances can also provide insight. I have a good friend who is very organized, an area in which I am always trying to improve. Over the years I have learned a great deal from watching her manage her incredibly busy life.

Set Reasonable Goals

You are not going to lose 30 pounds in two weeks. Nor are you going to undo years of financial irresponsibility in six months. After becoming educated, you will get a realistic picture of how long it will be before you should expect to see results. Having this knowledge upfront will prevent you from giving up too soon.

Plan and Track

If you’re trying to accomplish something that requires long-term commitment, purchase a journal or notebook to write down your short and long term goals. Detail how you will carry them out and when you will complete them. Check each item off as you accomplish it. Keeping a journal to record your achievements can be motivating on those days when you feel like sliding back to your old ways.

Just Say No

Avoid situations that will prevent you from accomplishing your goals. This is especially important in the beginning, before your new way of life comes natural to you.

Pat Yourself on the Back

Be proud of yourself for making the decision to improve your quality of life. When you reach important milestones, reward yourself in a way that is in sync with your new lifestyle. A new outfit is a great reward for losing weight, but would be considered a setback if you’re trying to cut back on spending!

Hair loss basic understanding

Before solving a problem one must understand the problem. Hair loss is the most common medical problem. Millions of people all over the world are struggling in the endless battle to stop their hair loss. How ever, most of them did not spend a couple of minutes learning what exactly the meaning of hair loss is. Read the following lines to learn the basics about hair, hair loss and hair loss treatments.

Did you know that an average scalp has about 150,000 hair follicles and hair – more than 90% of them are continuously growing.

What is hair?

Hair is the fastest growing tissue of the body. It is made of keratins which are a type of proteins. Each hair strand includes three layers: the medulla (the inner layer), the cortex and the cuticle. Hair grows from roots – Those roots get the vital ingredients to the hair growth by the blood. The roots are a living tissue but the visible hair strand is a dead tissue. Therefore, any hair loss treatment should take care of the scalp and roots and not of the hair strands.

How does the hair grow?

It is natural to loose hair. Actually, we all loose about 100 hairs a day. We start noticing that we suffer from hair loss only after losing more than 50% of our hair.

The phases of the life cycle of hair are:

Anagen – In this phase the hair is actively growing. This phase lasts about 5 years.

Catagen – In this phase the hair falls out. It lasts about 3 weeks.

Telogen – In this phase the hair is resting. It lasts about 12 weeks.

What are the causes of hair loss?

There are various conditions that may cause hair loss from heritage to stress. For each cause one may find different hair loss treatments. Hair loss treatments include anything from the FDA approved hair loss drug called Propecia or Rogaine to natural hair loss treatments as Rogaine to hair transplant surgeries.