Travel off the beaten path for a great american adventure

When it comes to travel, most people opt for the vacation standards: a cruise, a Disney vacation, or booking a hotel in New York or another major city. Yet there are many American vacation destinations that are often overlooked - cities that offer wonderful sights and sounds, and even better value. When you book travel to one of these destinations, you're sure to be delighted and surprised - and all the more appreciative of what our great country has to offer.

Think about it. When was the last time you visited Cleveland? Unless you're from the Midwest, chances are you've never been there. That's means that you've never experienced the gorgeous architecture of I. M. Pei's Rock and Roll Hall of Fame, nor have you seen Jimi Hendrix's handwritten lyrics to "Purple Haze." While you're in Cleveland, you can catch a Cleveland Indians baseball game, attend a performance of the Cleveland Orchestra, and visit the Cleveland Museum of Art. If you're into thrills and chills, you can rent a car and drive about an hour and a half to go to the "Rollercoaster Capital of the World" in Sandusky, Ohio.

If you've never been to the American Southwest, you're missing both rich history and fantastic fun. A vacation to Austin, Texas, gives you the best of both worlds: the features of a big city with the atmosphere of a small town. Home to the University of Texas and, of course, the Texas State Capitol building, Austin is known as the "Live Music Capital of the World." If an evening listening to music isn't your thing, perhaps hanging out with one and a half million bats under the Congress Avenue Bridge will do the trick. During the day, you can visit the Lyndon Baines Johnson Presidential Library or visit one of the city's 20 museums.

If you love outdoor adventures, Bangor, Maine, should definitely be on your travel itinerary. Home to author Stephen King, Bangor is the perfect place from which to explore the Maine Highlands, Acadia National Park, and quaint fishing villages. With nearby mountains, coastlines, lakes, rivers, and some of the best fall foliage to be found, Bangor is the perfect travel destination for outdoor enthusiasts.

In case you haven't heard, there's more to Florida than a Disney vacation. Sarasota, Fla., located on the state's Gulf Coast, offers spectacular white sand beaches and numerous small islands. It was also the resting spot for the Ringling Brothers, so when you're not clowning around, you can visit the Ringling Estate, two Circus museums, and an art museum.

One of the best things about vacation destinations that are a bit off the beaten path is that it's often a bargain to travel there and to stay there. Online travel packages often include both airline and hotel accommodations at steeply discounted rates. The best online travel companies allow you to choose, for example, the hotel room and type as well as flight options. So, the next time you think about packing your bags, consider travel to one of America's overlooked vacation destinations.

Selection based on fragrances and perfume category

The first step to cut off the confusions regarding the selection of the apt category of fragrance is to have a thorough understanding of the fragrance families and the perfume categories. A little bit of knowledge is however essentially necessary in order to pick the right thing at the right price.

Basic Categories

On the basis of the notes and the order they have been layered, the perfumes and the fragrances have been categorized into a number of families. Although almost all the fragrances have the refreshing aromatic fougere base, yet many others are having certain other unique bases. Some of the basic categorizations are as follows:

Citrus is a unique family of fragrances that has got the aesthetic aromatic note of the fruit oils. The leading brands of the perfumes of Iran and France use to use the basic notes of the lime, oranges, grapes, lemon, and apricots. Many leadung perfume makers use the predominant notes of peaches as well.

Drywoods bases are strictly for the men. This is a category where the presence of the wondrous woody fragrance is noticed when dried up, along with the additional notes of tobacco or leather or cedar or burnt woods. Sometimes the masculine woody notes are made lightened by applying some citrus notes, which gives the fragrance a special effect.

Floral base is another unique fragrance family having some awe-inspiring features of softness. The perfumes falling under this category are specifically for females. First appeared in 1900’s floral oriental base of fragrances have earned a great deal of admirations all over the world within a very short spell of time. This is due to the fact that some of these perfumes contain the sweet fragrances of exotic flowers.

Fougere is again another aesthetic category of fragrance, which – in French means – “FERN”. This particular family contains the aroma of some of the harmless forest herbs and grasses. These superb oriental notes of fragrances have engulfed much of the occidental market, with the sweet spicy bases of citrus or softwoods or may be floral. Formulated with a wide range of awesome fragrances this specific category has always admired by the world’s most fashionable men.

Chypre is a special category of fragrance that is presented with the refreshing notes of citrus aesthetically blended with the inconspicuous fragrances of the woody tones of oakmoss or patchouli or etc.

Water base fragrances are the lightest of all the categories of fragrances. Alike some others this class of perfumes has been subcategorized into males and females notes. Predominated by the water bases with the refreshing notes of citrus, fruit oils and water herbs, this is one of the smartest choices for the summer seasons.

It is possible to run a home business and work

Many people ask themselves if it is really possible to run a home business and still continue to work at their office job. The answer is yes. This may surprise some people. How do you have the time? That’s too much to do at one time. How can you manage?

All of these comments and questions are involved in juggling home business and an outside job, but the key is that it that you are capable. Here are three main things you want to keep in mind in order to have it all.

Drive! The want or desire to have a home business is what really matters. If you want to keep your current job as well as begin your own home business you truly have to be focused on being able to do so. Without a strong want that will drive you to do what is necessary you will lead yourself to failure. If you believe that you are ready to commit to both jobs, and do whatever is necessary to maintain both than you are taking your first step in the right direction.

Time! You aren’t just given a pocket full of time. Everything in this day and age is about rushing and stretching what time we have. This is still very true with juggling outside work and a home business. You have to be willing to make time. What this means is you must be willing to use whatever free time you have from your office job and apply it to your home business. Weekends, evenings as well as holidays can be spent working on your home business. As long as you are applying the time you have to your home business, you can work both. It all goes back to having the drive to do what is necessary to have what you want.

Patience! This is something we all need more of. You will need to build patience when running both your home business and outside work. You will indeed be frustrated at times, waiting for packages or updates on business progress. You will be frustrated with customer or clients from both jobs. By building patience and also some understanding you will help ease some of the stress that comes from working both jobs.

Drive, Time and Patience all go in hand when working home business and outside office work. You have to be efficient with your time and manage it wisely. Keep focused on your goal. Don’t lose track. Be patient, because success does not happen overnight and unfortunately not everyone you will encounter in your job is patient or understanding. As long as you make the effort, you can in fact run a home business and work to.

Poor credit secured loans could be your option to getting credit

If you have a bad credit rating through having financial problems in the past then trying to get a loan could seem like an impossible task. One option that is available to people in this situation is to look for the cheapest poor credit secured loans and looking online with a specialist secured loans website and allowing them to shop around on your behalf for a quote is the best option.

A specialist website will be able to search the internet with the majority of the UKs top lenders to find you the best deal on a secured bad credit loan and as they have access to the bulk of the marketplace you can be sure that you will not find a better quote.

Specialist loans brokers also have the advantage of knowing whose lending criteria your own particular circumstances best match, meaning you will not waste time applying for loans that you will not be accepted for.

While you will not have access to some of the cheapest interest rates around because of your bad credit rating this doesn’t mean that you cannot make savings. Just as with any type of loan, the cost of bad credit loans do vary and so taking advantage of your broker’s specialism is the best way to find the right deal. Bad credit loans always attract a higher rate of interest because you are seen as a bigger risk to the lenders, however not being able to get a loan isn’t always down to having a bad credit rating. If you have not got an established credit rating such as if you are just out of college, then it can be just as hard to get accepted. If this is the problem then poor credit secured loans can help you get a credit rating.

It is essential when applying for poor credit secured loans that you understand you will have to put up something substantial as a deposit on the loan, this is usually your home and as such if you should falter on the loan then you are at risk of having your home repossessed. Before taking on any loan you have to know that you can repay the borrowing over the number of years you have taken it out and be aware that during this time your circumstances could change financially.

Before going with a specialist website to let them search on your behalf you first have to decide how long you want to take out the loan for, a secured loan can usually be taken out for many years and you are allowed to borrow a larger sum of money, but you do have to remember that while extending the loan will keep the repayments down you will pay more interest in the long run.

Poor credit secured loans could be your only option but it is essential that you make the right choice and can safely say that the reason for taking out the loan is worth the risk of putting the roof over your head at risk. Always make sure that you read the small print of any loan you are considering before signing the document, as this is where any additional costs attached to the loan can be found along with the total repayments and interest.

Should you buy or rent a corporate jet

When it comes to the question of corporate jets, everybody thinks of high-class-luxury aviation; and why not? The cost of corporate jets is too much to expect anything less! Right from the pilot crew to the catering facilities, corporate jets offer the best services to make your journey a pleasure. Though, you will be at ease about these matters only when you are opting for corporate jet rentals and just hiring the jets. Owning corporate jets add some responsibilities and works that organizations and companies need to sort out.

Catering facility is one of the major problems, as the food quality can't be spared in any case. Fortunately, the National Business Aviation Association has many sub-committees in place that handle different aspects of corporate aviation, and catering is one of them. The companies can benefit from this sub-committee a lot, as the committee provides a comprehensive program to check-out the services provided by the flight attendant companies. If you want to find out what the companies are providing, the sub-committee can provide you with mentoring programs for menu planning, plate presentation and garnishing, ordering, packaging, and similar tasks. This helps in eliminating the need of trying-out various caterers and then deciding which one you would like to have for your corporate jets. You can easily visit the catering companies, check their provisions, and can match with your expectations that the sub-committee has helped you to develop.

However, if you are thinking of options outside the schemes of rentals or owning, there are still more options. Some companies offer fractional ownership for corporate jets, and you can avail this facility. You can check the details of this partnership from the companies' website or their physical office; however, the fundamental thing about it is that you co-own the corporate jet and can use it, but you do not have any need to think about it maintenance and other duties The company providing fractional ownership will cater to these things. Though, financial matters should be clearly discussed with the companies providing this type of option.

More often than not, companies prefer to choose the rental option for corporate jets, as it does not pounce them with heavy cost and do solve the issue of private aviation. Nonetheless, it has been observed that in the last 4-5 years, the demand of corporate jets have increased due to traffic at major airports of the whole world; due to increased security threats around the globe; due to shortage of time and global demand in business; and of course due to improved economy. All these factors have contributed a lot to make bigger companies think about owning a corporate jet, and somehow, they are going for it! Experts can easily predict, and they do, that the demand for corporate jets is going to increase in the coming time.

A new program to assist first-time homebuyers

Studies show the dream of homeownership is becoming a reality for a growing number of Americans.

For example, according to the 2005 Harvard Joint Center for Housing Studies State of the Nation's Housing Report, minorities are making inroads into all housing market segments across the United States.

This trend is expected to continue with minorities making up a growing share of the homeowner population with each successive generation. The study reveals that nearly 35 percent of all first-time homebuyers are minorities and more than 40 percent of all renters are minorities-these could be or will be the homeowners of the future.

Companies in the housing and mortgage industries are taking notice of this trend and are making efforts to meet the needs of today's prospective homebuyers.

"Mortgage lenders need to have people who reflect the communities they serve located in the neighborhoods that we want to serve if we want to inspire people to become first-time homeowners," said Jackson Cosey, senior vice president of Emerging Markets for Wells Fargo Home Mortgage.

For instance, Wells Fargo recently introduced a program designed to help serve consumers with down payment difficulties or lack of traditional credit history by helping them qualify for loans they can afford.

Called the Home OpportunitiesSM program, it includes qualifying debt-to-income ratios that address the growing reality that homeowners need to spend a greater percentage of their income on housing.

Also, it provides for nontraditional credit references that enable consumers who do not have traditional or lengthy credit histories to qualify for the program. In addition, flexibility on down payments and closing costs allows customers to purchase a home without a down payment.

"Home-financing options such as this program will allow more people including first-time homebuyers and low - to moderate - income borrowers to do something they have only dreamed about: owning a home," added Cosey.

Keys of hung gar kung fu mastering

1. While polishing your technique you should never stick out your chest or stomach either when fighting or practicing. It stiffens your body and makes your movements awkward. As a result, you are losing control over your body. While practicing always make sure to keep your back bent outward and chest incurved. This is the right sign to distinguish between Kung Fu masters and Kung Fu athletes.

2. Despite the fact that the back should be a bit bent outward, you have to maintain the body centrality; by no means should the body be bent too much. Otherwise it will lose the balance, which can result in loss of equilibrium and steadiness, and make the outgoing energy weak. The back and pelvis must be in the same plane.

3. Bending your head down in fight is like blindfolding yourself, since with your head down you cannot fully control all the actions of your enemy. Moreover, it can lead you to losing the balance.

4. During the fight, your waist should be down. If it is not, it makes Qi to go upward and accumulate in the chest. This accumulation of Qi in the chest causes you to lose the steadiness; your movements will immediately become clumsy and awkward. A man with his Qi in lower Dan Tian can be compared to a weeble wobble, since it is virtually impossible to throw him down on the ground. Now, consider moving the load in the lower part of the weeble wobble upward; the slightest push would overturn the weeble wobble.

5. The hand is rounded in elbow and wrist.

6. Practicing, always make sure to perform movements correctly. Otherwise, you would get bad habits, which is rather harmful than advantageous. Mastering new techniques, you should always act without haste; only when you have repeated movements correctly many times, you can consider increasing speed and strength.

7. It is not good performing already learnt techniques with negligence, so-so, since it is hardly of any use. Performing already mastered techniques you need to fully use your consciousness, i. e., using consciousness (Yi) send your energy Qi to the section of the body engaged in this technique. For example, kicking with your heel the moment the heel touches the enemy (target) you need to fully focus on throwing the energy through the heel.

8. Inside yourself, you should work out your mind, spirit, consciousness and Qi until they join together. Only when this happens you will be able to send your Qi anywhere at your wish.

9. The key to mastering is in everyday work at the thing neither master not disciple can do without, namely polishing the basic technique.

Real estate negotiating - 4 steps to success

“Let us never negotiate out of fear. But let us never fear to negotiate.” (American 35th US President (1961-63), 1917-1963) Even the most famous recognize the need for the art of negotiation. To be able to make a good real estate deal, you must develop the art of good negotiation or find someone who can do the negotiating for you.

The real secret of being a successful negotiator is to help both parties obtain their goals. To do this you must present your case in a businesslike way and close the transaction. This can be accomplished in 4 steps.

1. The first step in any negotiation is to know your goal. If you have someone else negotiating on your behalf, make sure they understand what your ultimate goal is. If your goal is to get the property at the lowest price, make sure you understand exactly what is involved to achieve that success.

Don't be afraid to reevaluate your goals. If during the negotiation process new details come to light that may allow you to obtain your goal by a different means, allow yourself the ability to explore the new details, don't get stuck in your negotiations by being to rigid.

Once you are comfortable with your goals, and understand how far you are willing to go to obtain the property, you are ready to move to the next step. However, even when you are comfortable with your goals, you must be flexible. Remember there are two parties involved and the other party may present an option that could get you to your goal faster. In real estate there are several ways to achieve the same desire.

2. There are two types of negotiations: Blind and Open.

In a blind negotiation you don't know anything about the other party. You do all the negotiation via an agent or third party and don't meet the sellers. Keep in mind you may be dealing only with the other parties agent and they have their clients interest at heart.

In this type of negotiation your homework is very important. Know the property, know the market, and know values so you are able to negotiate the deal that is best for you, or be able to walk away. Blind negotiations can be handled, but they are a bit more time consuming.

Open negotiations are a bit easier, but require you do be good at your homework. In an open negotiation you may be working with the for sale by owner. In this way you have access to a bit more information.

If during your negotiations you begin having problems on a particular point, such as price, do your homework. Find out why the other party is buying or selling. Knowing the other parties motivation can give you the upper hand. For instance, if you know the seller or buyer needs to move quickly, you will then have a bit more leverage to work with.

What homework will help you in your negotiations?

a. Why does the other person want to buy or sell?

b. Who is the other person trying to impress?

c. Know the timing aspect of the transaction.

d. Verify the facts.

3. In the art of negotiating, it is critical to get started on the right foot. Do not try to antagonize the other parties to the transaction. Be very neutral about the entire deal.

a. Don't praise or criticize the property.

b. Don't try too hard to buy or sell the property.

c. Don't criticize the other parties to the transaction, including any agents involved.

d. Explain motivation without disclosing too much information.

e. Meet all deadlines or better yet be ahead of the deadlines.

f. Do not lie, rather say nothing.

4. Communication is the key to negotiation. However, too much talking can kill your negotiations. Make your offers in a written contract and let the other party do the same. Remember "lose lips sink ships."

When you begin talking to the other party you will give away too much of your motivation. You may think you can better obtain information from the other party about their motivation, but keep in mind it works both ways.

Now that you've learned the 4 basic steps to negotiating you are ready to go out and get the property you desire. You must also keep in mind that not all negotiations turn into real estate deals. Don't be afraid to walk away from a deal that is not to your liking. Otherwise you may well find yourself making very bad deals and wasting your negotiation skills. Good luck and good negotiating.

Home based business and network marketing tips you can take to the bank

If you’re looking to get involved in a home based business or network marketing opportunity, there are some things that you should definitely take notice of if you want to become successful. Often times, people who are new to the work at home industry fail because they don’t have a plan for succeeding. In this brief article, I’m going to give you some “best practices” that have greatly contributed to my personal success. Hopefully by the time you’ve finished reading this, you’ll have some ideas that you can immediately apply to your own business and ultimately make more money as a result.

One of the biggest pitfalls that I see many new home based business owners make is not having a dedicated work space at home to work from. Let’s face it, working from the house is great and it’s pretty freakin’ cool to sit on the couch in front of the TV and make money. But, are you really realizing your productivity potential here? Set aside a dedicated room or area in your house where you can work without distractions. This will ensure that the time you invest in your business yields the greatest return.

Another mistake that many individuals make when starting a home business or network marketing venture is that they don’t have daily, weekly, monthly, and yearly goals. I know, I know. “Goal setting” is so cliche and seems to be the mantra of every wannabe “guru” these days, but it does play an important part in your success. Goals keep you on track, and more importantly let you know when you’re not.

Hopefully this short article has given you a few valuable insights into what it takes to become successful in a home based business or network marketing opportunity. Working from home is the best thing in the world, but it doesn’t come without pitfalls. Follow these tips and watch your productivity skyrocket as a result.

How legalized online gambling is better for society

The question we should be asking is, by banning online gambling are we going to make things better or worse?

The answer to that question is simple, banning legalized and regulated online gambling in any form, just makes another way for organized crime to get a hold of peoples money, and then no one but the criminals win.

If you want to keep a child from seeing an R rated movie you do not ban the movie from the theaters do you? No that would be silly you just make sure that people are doing there best to check and verify that no one under 18 gets into see the movie. By banning the movie chances are greater that someone will get a bootleg copy and show it to every kid in the town.

So if you want to keep a child from gambling online then all the online casinos should be regulated and monitored, not banned.

The same goes for terrorists. If you believe terrorist groups are exploiting an unregulated and unmonitored industry such as the online gambling industry, then by regulating it you can see where the money is going and make sure it is not going to fund international terrorist attacks. All that is accomplished by banning it is that the criminals get a stronger grip on the industry.

The ban on online gambling is much like the war on drugs. If marijuana was legalized in the USA crimes related to it would almost go away completely, because it would be sold in stores and it would be controlled, another advantage would be that people would no longer be going to jail for marijuana related charges, this means thousands of less people getting arrested and going to jail every year, which would save us tax money that could be better spent.

By making online gambling in the USA a legalized form of adult entertainment it would also bring in an estimated 1.2 billion dollars in taxes to the American government. This money could be used for schools, police and universal healthcare for all Americans.

This is how you improve society, not by telling people what to do. It is human nature to want what we can not have so the more laws you put in place to stop people from doing something the better the chances are that people are going to do it.

People are just as likely to become addicted to gambling at a regulated casino as an unregulated one, but the difference is that in a regulated casino they will not extend you the amount of credit that will get you into trouble in an illegal casino.

And in a regulated casino they will have information on how to get help if you have a gambling problem. In an illegal casino they will not have this type of information, they want you to continue to gamble till you have nothing left, and then they will let you fall and find someone to take your place.

In the long run society can only prosper if we educate people on the dangers of gambling both online and in a casino, and not from banning an industry that employs thousands of people in countries all over the world. No one gains anything from just telling people they can not do something that they are going to do anyway.

It is about time the government learned this and stopped making the same mistakes year after year.

Random drug and alcohol testing

Random drug and alcohol screening is used by many UK companies to deter the use or abuse of illegal drugs and / or alcohol by employees within the workplace. There have been a large number of case studies to demonstrate how effective random screening is in reducing accidents, absenteeism, ill health, litigation, etc, and as a result it is frequently considered to be best practice, especially in safety critical environments.

Even when a business doesn't introduce full random drug testing, they often choose to conduct testing when there is a problem - such as incident or accident based screening or "for cause" testing when there are sufficient grounds to suspect that an employee is not fit to perform their duties due to drink or illegal drugs.

How often random drug and alcohol testing should be carried out can be determined by the business based upon a number of factors. Such factors include the nature of the business, demographics of their staff or factors relating to the culture of the business – for example, a culture of lunchtime drinking.

Some companies carry out as little as 5 percent random testing (i. e. only 5% of staff are drug tested just once per year after being randomly selected), whereas other businesses may insist that every employee is screened at least once annually or more. It really depends upon the cost, certain health and safety considerations and their own drive to enforce a drug and alcohol free workplace.

Substance abuse screening in the workplace is relatively straight forward to implement and can be put into place without much expense when done correctly. Random testing of company employees can be carried out on-site for less than Ј10 per employee.

All a company needs to do is formulate a drug and alcohol policy - which is basically the business's views on drugs and alcohol, what is deemed acceptable, what isn't, and what are the consequences of breaking the rules - along with procedural information. Many companies have consultation with staff and union representatives to be sure that the company policy was developed with input from all concerned parties.

If companies find this process to be too time consuming or complex for your managers, we can develop your policy for you as consultants, or review your current draft policy to ensure that it is completely legally defensible and user friendly. Our years of experience really can make a significant difference to your company policy and allows you to implement it as fast as possible.

When you have a finished drug and alcohol policy, it is time to issue a copy of this to your employees along with an implementation date. As long as the start date for the policy is further away than their contractual notice period, when the start date arrives, the policy has become part of all employees' terms and conditions of employment. At this point, if it is your policy that employees undergo random drug / alcohol screening or testing in accident / incident or "for cause" situations, then failure to comply constitutes a failure to undertake a reasonable request - which may have disciplinary consequences up to and including dismissal.

Ultimately, it should be every employer’s goal to remove the substance from the individual, rather than the individual from the workplace, so assistance for those who come forward to seek it is vital.

To reinforce a drug and alcohol testing policy it is a good idea to train managers in drug and alcohol awareness so that they can spot the signs and symptoms of drug misuse and understand how to deal with the situation should it arise. The majority of our business customers choose a half day of training for their managers.

Affodable mortgage size

What Size Mortgage Can I Afford?

When shopping for a house, it can be easy to fall in love with the home of your dreams. Be careful, however, that you are aware of how much house you can afford so your dream home isn’t crushed at the lender’s office.

Lenders often talk about qualifying ratios or debt ratios. These numbers can seem a bit mysterious, but a few simple formulas will give you an idea of what size loan you may be able to afford. Although this is helpful to determine a house budget, never rely on these numbers alone when planning a purchase. Consider visiting a lender to get pre-approved for a loan so you know the exact amount you have to work with.

Grab a piece of paper and follow these steps to determine how much you can afford:

1) Determine your monthly gross income (before taxes).

2) Multiply this amount by 0.28. This is your maximum monthly housing expense. (Lenders allow 28% of monthly gross income for housing expenses. This is also known as the front end ratio.)

3) Now multiply your monthly gross income by 0.36. This is the allowance for your long-term monthly expenses. (Many lenders allow 36% of monthly income to go toward long term debt that can’t be paid off in 10 months.)

4) Add up your monthly long-term obligations including child support, auto loans, credit cards, and other payments that can’t be paid off in 10 months.

5) Subtract the total of those obligations from your long-term monthly expenses in step 3. This is your monthly housing expense. (This number is used for the back end ratio, or debt to income ratio, to make sure your total debt does not exceed 36% of your monthly income.)

6) Compare the maximum monthly housing expense from step 2 and your monthly housing expense from step 5 and take the smaller of the two. This is the amount you can afford each month for payment of principal, interest, taxes, and insurance – also called PITI.

The length of the mortgage and interest rates will affect the total dollar amount of the loan, so talking with a lender will give a big picture view of what you can afford. Getting pre-approved for a mortgage will take the guesswork out of deciding a price range for a potential house and reduce stress in the home-buying process.

Roadside assistance what every driver should know

It's dark. The highway is deserted. You're driving alone. Still miles from home, you stare at the illuminated patch of pavement ahead when suddenly… an unrecognizable POP from under your hood and your vehicle quickly loses power. You pull to the shoulder, grab your cell phone, and start to rummage through your wallet looking for the 800 number to your auto club.

We've all thought about it. And many of us have experienced exactly that scenario. When it happens, we're proud of ourselves for having the foresight to renew whatever roadside assistance club we belong to.

And whether it's personal safety and the safety of our family members, free towing, or even a quick tire change, roadside assistance is one of those options that isn't really just an option. It's a necessity.

When it comes to selecting the right roadside assistance or auto club for you, consider these facts:

Many vehicle manufacturers now provide comprehensive roadside assistance programs. Whether you lease or own your car, truck, or SUV, check with your dealership to see if one came with your vehicle.

For example, the Isuzu Ascender provides roadside assistance for the first seven years or 75,000 miles.

You may have roadside assistance as a benefit of carrying one of your credit cards. The American Express Gold Card offers towing, emergency fuel delivery, locked key retrieval, and tire replacement any time a Gold Card member is present, anywhere in the U. S. and Canada.

Emergency assistance plans like On-Star provide wealth of roadside assistance services including help if you get lost or break down, emergency services if your airbag deploys, and will even find you a ride if you've been drinking and aren't in a condition to safely drive yourself.

Auto clubs like American Automobile Association provide quick responses to roadside emergencies as well as travel planning assistance, vehicle financing services, and discounts at approved mechanic garages and hotels.

Be mindful of the benefits of all of your roadside assistance programs so that you're not paying to duplicate services (like towing), and make sure that at least one of your programs is full-service, meaning it covers almost any unforeseeable circumstance you might face. Keep the numbers of all of your roadside assistance programs (for example, the 800 number for a credit card roadside assistance benefit may not be printed on the actual card) on one sheet of paper, readily available in your glove compartment. Taking a few minutes to review your programs and plan ahead, could save you a great deal of worry and expense when an emergency arises.

Escaping from drug addiction through professionally-assisted withdrawal

Check out the statistics; almost 12 percent of young Americans aged 18 years old are now addicted to illicit drugs and approximately 27 million Americans use illicit drugs regularly. Results of the 2001 National Household Survey on Drug Abuse and Addiction revealed that while millions of Americans habitually smoke pot, drink alcohol, snort cocaine, and swallow prescription drugs, many drug users do not recognize that they have a drug addiction problem. The figure of those “in denial” about their drug addiction is estimated at more than 4.6 million.

Individuals who struggle with drug addiction do not set out to destroy themselves, or everyone and everything in their path. Rather, these disastrous consequences are the effects of the vicious cycle of drug addiction. For many, drugs seem to be a means of averting emotional and physical pain by providing the user with a temporary escape from life's sometimes uncomfortable realities such as depression and stress.

Physiological sensations are abused to create a new reality or a “high” when one does not wish to correct one’s physical, emotional, and spiritual reality. An addicted person does not believe that it is possible to have a satisfying, happy life without the use of narcotics.

Addiction or substance abuse is a complex psycho-chemical problem. A person with an addiction experiences cravings that persist even in the face of extremely negative consequences. During a craving, a person with an addiction misses the habit-forming drug terribly, and often he or she experiences symptoms of withdrawal.

Withdrawal refers to the physical problems and emotions you experience if you are dependent on a substance (such as alcohol, prescription medications, or illegal drugs) and then suddenly stop or drastically reduce your intake of the substance. Symptoms of withdrawal are caused by decreased amounts of alcohol or drugs in the blood or tissues of a person who has grown accustomed to prolonged heavy use and who then suddenly stops. Withdrawal syndrome is a set of symptoms that occur when you decrease or stop drinking or using drugs after using alcohol or drugs for a long time.

Symptoms of withdrawal from either illegal drugs or medications such as antidepressant prescriptions depend on the drug or combination of drugs. The common symptoms of withdrawal include:

· Abdominal pain

· Nausea and vomiting

· Drenching sweats

· Nervousness and shaking

· Seizures

· Death

Withdrawal symptoms can last a few days to a few weeks and may include nausea or vomiting, sweating, shakiness, and anxiety. Withdrawal symptoms only occur if a person has regular, heavy use of a drug. Drug withdrawal symptoms can be extremely uncomfortable without professional help. Treatment for withdrawal from alcohol or drugs may require a medical professional to be present. Drug and alcohol rehabilitation is often the best way to overcome withdrawal symptoms and recovery from drug addiction. There are a number of different signs to signify withdrawal symptoms depending on the drug of abuse. More noticeable signs are associated to certain drugs. However, there are some withdrawal symptoms that are associated with all drug use.

If you are dependent on alcohol or drugs and are experiencing symptoms of withdrawal, you may need a visit to your health professional to help you manage your symptoms.

Super 8 hotel

With its branches distributed in so many places in U. S. and Canada supers and hotel happens to be one of the most dignified reputed and popular hotels in U. S.

The New York and Las Vegas Super 8 Hotels have earned a name and place of their own.

The hotels provide an extensive range of facilities that is unlike any other hotels in the whole of U. S. Starting from the strip area of Las Vegas we can give some idea of the hotel’s elegance and superiority. Situated in the strip area the hotel’s guest rooms are filled with features that include TVs, A. C, and Telephone. Among the hotel amenities there are game rooms, restaurants, swimming pool, Jacuzzi, Casino, laundry, Elevator and many more.

The administration lays down some policies that include-

Minimum age for booking. A reservation is twenty one years.

No checking in on Saturday.

A guest can stay for maximum time for seven night.

Second one our list is Nil’s super 8 motel in Las Vegas. It is approximately a distance of 5 miles from Joekneid Park.

The motel with a one fifty guest rooms of high quality food, bar, TV, refrigerator, swimming pool, coffee bar, complementary breakfast and so many other facilities.

Moving down the live on our list is Las Vegas down town and Boul

Build in 1992 and renovated in 2001 it is the supper 8 motel New York.

Facilities provide include:

Gym

Business Centre

Elevator

Internet

A. T.M booth

Policies under seventeen kids are allowed to stay free in the rooms with their respective guardians.

No pets

Payments through Credit Cards are acceptable.

So any individual desiring a smooth drive to the super 8 hotels can set himself for a exclusive stay in the same. The wonderful interior decoration and luxurious service of the hotels make it a dream roam for the residents. The consistent overviews of the hotels on itself has really enabled it to escape from any sort of misshapes. The remarkable business policy, which we can only admire, not aspire and the diligent efforts of the wide ranged stuff have constituted the hotels to create an embark on the global hotels industry.

The value of the hotels is maximized when the boarders have confirmed their hire. The twenty four hour service and convivial behavior of the hotels authority offer the boarders a pleasant stay. The main strategy of their service system is to treat the boarders as guests, not customers. This has always been the most prolific distinction for the hotels which is embedded on their upward slope of their profit hierarchy. We can only consider the fact that the better the hotels are trying to deliver, the higher the probability of its longevity is raised to.

In order to substantiate its value in the market and cement its position, the hotels authority is ever conscious to carry on with the good work that they are expected to do as an elite hotel in the park. At the same time the person who would like to put himself for a luxurious outset in the Super 8s, has to make sure that he has got his wallet loaded.

Easy tips for choosing trustworthy insurance companies

There are hundreds of insurance companies offering thousands of products. Choosing the right one is challenging. Here are some things you should consider:

Reputation of Company - Pick a company that offers high standards of service and quality, while having a strong reputation and financial stability. In the US, check your state insurance department to find out more about the companies, and their reputation.

Availability and Communication - Choose insurance companies that are available for you when you need them the most. Think about what's important to you. Is it a national company with local representation, or is their online presence as strong as their offline presence? Check their Internet presence. Erase doubts.

Service - Check the insurance company's customer service and support. Call up the insurance companies' toll-free numbers and ask them questions pertaining to your issues related to different insurance policies. Make sure you select a company with knowledgeable representatives, who are specially trained to answer all your questions related to coverage. They should also be able to respond to your claims efficiently and quickly.

Product Choice - When choosing an insurance company for your insurance coverage, you should opt for a carrier that offers a wide range of coverage options suitable for most of your needs and requirements.

Price - Remember, that for any insurance policy you get coverage based on the premium you pay. Also, some insurance companies will tell you that your insurance can come down to a certain price and not lower than that. Don't waste money paying for insurance coverage for possessions that you don't need, or, get less protection just to get a lower premium cost.

If you are buying a home on mortgage, then your mortgage company may suggest homeowners' insurance companies that they work with, but this should not mean that you have to use this company for your insurance needs. Take your time to decide the insurance company that meets your expectations and offers you the best coverage at reasonable rates, so that you do not have to regret your choice.

Insurance providers even give free online quotes, so you don't have to visit every insurance company's or agent's office in your locality. Just click on 'Get a Quote' and relax. If you buy insurance online, you can get discounts from 10% - 25% depending on the policy.

Whether you are looking to purchase a new policy or renew your existing policy, all you need to do is connect to the Internet and browse your way to a new policy - with the click of a mouse!

Overnite adsense success

I remember the day my brother called. We had a six figure success selling on Ebay last year. When you do EBay you learn to spot another eBayer easily in the post office as you wait in line to send your sold goods to the winners of your auctions. Dan had become acquainted with Bryan who was doing 4 times as much as we were on eBay. They talked regularly. This particular day Bryan was explaining that he had put ad sense on his site and was making $200 a day on ad sense alone! He insisted that Dan not waste one day and try ad sense on his site.

I had read some on ad sense but discarded the importance as so much "more work" to be addressed in the next life. I was busy with 111 urls, 3 that were earning money that I was earning ALL my income from. (I work full time from my home selling real products on websites that I have to ship when they are ordered.) EBay was a new adventure, but came to a screeching halt when we ran out of the exclusive product that sold like hotcakes for 18 months.

Dan was emphatic, "Don't let the sun go down, until you have put ad sense on your high traffic website." As it happened one of the 111 urls was getting 3-4000 visitors a day as an information site but I had nothing to sell and was negotiating to sell the site for $10,000 in less than a week.

I made all the mistakes, column ads, flashy colors, 3 ads to the page and made $1550.00 the first month. I was shocked... I found Joel and made some changes, $1800, the next month. Then Google rustled in its cocoon. (Google does a rejuggling of sites quite often and your site may go up or down in the organic search engine that = more or less traffic to your site.) I went down to $390.00 and was very upset.

I wrote Joel, I hired an SEO to kill the traffic virus that was stealing my traffic and sending my ad sense revenue to someone else. I started on 5 of my other sites "pruning, fertilizing and watering" them to be accepted by the Google Lords, oh yeah I put the right google ads and placement on them as well. I have labored many hours to increase my sites with ad sense ads on them and make sure my high traffic site was meeting the SEO requirements. The results are not staggering. But each month my income from ad sense increases. I am back to $800 a month.

My high traffic site makes 75% of my total ad sense revenue. All my other sites combined do not equal 1/2 of the high traffic site visitors each day.

Bottom line no traffic = no ad sense revenue.

5 steps to success in the private label water business - affiliate program success for profits and wealth

The private label bottled drinking water is a growth industry with double digit growth and profit opportunities for the entrepreneur. But like most opportunities care must be taken to seek out and exploit the most profitable niche in the market.

A recent market study examined the growth and potential of the market for bottled water and concluded:

"The bottled water industry grew about 10% in 2005, while carbonated soft drinks revenue is essentially flat," says Gary Hemphill, marketing director of BMC. "There are a couple of things driving the market—sure, people like to have a tap water substitution, but it's really driven by people's demands for a healthier alternative to the wide array of beverages on the market."

Private label water is the fastest growing segment of the overall bottled water market and its future growth is considered by many to be “explosive”. .

Private label water combines the purity of refreshing drinking water with consumable advertising that is designed to an individual customer’s specification. The water is popular and the branding message, if designed properly, serves to promote business.

Almost every company in the United States can benefit from private label water with a custom branding message. The opportunities are huge, the market is largely untapped and the private label product is viewed by customers as a cost effective, power way to promote a brand message.

The bottled water industry consists of a number of interrelated parts including research and development, manufacturing, marketing and sales. Much of the business model however, requires significant amounts of capital and has high barriers to entry for most entrepreneurs.

Nevertheless, with the advent of the internet and e-commerce, an aggressive sales focused entrepreneur can develop a substantial profitable private label business through affiliate programs .

What Are Affiliate Programs?

Affiliate programs are revenue sharing programs between an entrepreneur and a company that manufactures and sells a product or service. Affiliates are rewarded with referral payments for sending customers to the manufacturer’s Web site. The process works as follows:

• The affiliate place links on its site to a particular manufacturer’s Web site.

• When a visitor clicks on the link and makes a purchase the affiliate earns a referral fee that is a percentage of the total sale.

• The best manufacturer sites have automatic payment mechanisms and real time accounting.

But an efficient affiliate site requires planning and work. Many affiliates believe they will be able to just put up a Web site, establish some affiliate links and sit back and wait for streams of cash to start coming in. Care must be taken however to be truly successful. Consider the following:

• What type of Web site should you have to make money through affiliate programs?

• What are the best programs for your site?

• How will you effectively market your site and the underlying product?

• How can you find niche markets?

Similar to other facets of developing a home business, careful planning is needed to map out a profitable strategy for building a home based business using affiliate programs - a strategy that will allow you to build income through content in a sustainable, month after month way.

The issue is – what are the steps required to develop an income producing web site using affiliate programs that generate consistent, substantial revenue?

Tip Number 1: Align With a Manufacturer That Produces A Quality Product With Unique Features and Manages a Robust Affiliate Program.

As any good sales person will tell you, a high quality product is mandatory for sales success. Look for a company that manufactures (resellers add little value) a quality product that is recognized as different in the marketplace. There are many types of water in the market but purified water is clearly recognized as the highest quality.

After identifying a manufacturer with a quality product offering, chose one with a robust, profitable affiliate program. This should include at a minimum:

• commitment to affiliate success

• commission plans that are substantial

• a website that allows for easy ordering and accrual and payment of commissions

• support for marketing, selling and booking of orders

Tip Number 2: Identify a Niche Market and Create a Plan to Penetrate That Niche Deeply

Avoid the tendency to mass market and “shoot at the flock”. Mass marketing is beyod the scope of most companies and entrepreneurs. There are many profitable niche markets that have significant growth potential. Identify a niche market, understand the buying patterns of that niche and penetrate the market. It takes time and work but done right this effort is very profitable.

Some examples of niche markets: hotels (small and large), health spas, golf courses, gyms, car dealerships, organizations and health clubs to name a few. Almost any organization is interested in promoting their brand and brand message in a cost effective way.

Tip Number 3: Create an Eye Catching Website With a link to The Manufacturer

One of the advantages of an affiliate program is that profitable business can be developed with only a nominal investment. Given today’s technical level of internet development expertise, creation of an attractive web site is easy and cost effective. The critical part of the website however is the creation of a focused message presented in an attractive manner.

Following the creation of the site, establish a banner link with the chosen manufacturing partner that will direct affiliate inquires to the site for order creation and booking of the affiliate commission.

The manufacturer’s site must be able to design and produce labels, provide powerful e-commerce facilities for order booking and shipment and include a facility for the booking and payment of commissions to the affiliate.

Tip Number 4: Create and Implement a Sales Strategy

A clear sales strategy is the most effective path to success and profits in the private label business. Identify in writing the target niche, strategy to penetrate that niche, buying patterns, target prospects and communication material (sales collateral) and tactics to sell targeted prospects. Then implement the strategy in an organized manner and make adjustments to the strategy as conditions change. Remember the old sales adage “Always Be Closing”.

Tip Number 5: Follow Up on All Orders and Provide Feedback to Customers

As part of any effective sales effort, follow up and feedback with and to customers is critical to maintaining good customer service and obtaining repeat orders. One of the most powerful aspects of private label water sales is that happy customers tend to be repeat customers. Creation of a long customer list with satisfied customers will generate a steady stream of repeat orders and significant cash flow.

Copywriting tips on the internet

Copywriting is one of the most important principles in having high search engine rankings. Other ways of doing things on the Internet are by no means as important as what copywriting is compared too.

Copywriting with a search engine it like having an ace in the hole. If you have something published the best way to have the best copy is through the use of the SEO system. As keywords are important, copywriting on the internet is different than copywriting or the publication of standards out in the world.

By capturing your market with powerful copywriting, It will help your web site profit and grow, as well as your ideas.

The use of Internet copywriting ensures that no one can take your ideas from the Internet or use them as their own. This specifically means, techniques, styles, or designs on a way you do things.

There are copywriting web sites that can offer consultations and creates a powerful campaign in sales and generating, with optimal results. These copywriting sites can also assist you in advertising copywriting and corporate communications. It is also capable of showing your business and marketing techniques. By translating technical terms into words consumers can understand.

Copywriting on the Internet gives you an experience that can gain hundreds of lead-generating and marketing communications with the business informational copying.

There’s also web site copywriting in which words that sell the best of the business marketing tools.

Copywriting is also a site about selling, because copywriting shows how well you can sell things. In advertising, copywriting is a key as well.

You see, there’s nothing wrong with advertising on your web site, as long as you are not duplicating what some else already has on their website. Ownership copywriting is a single demonstration of one’s own words. Originality is a quality for better sales on your website.

When copywriting the protection should begin when any described work is actually done and fixed by you. If people violate any type of copywriting laws even on the Internet it can cause monetary damages and is a definite violation, your web site could even be shut down completely.

Copywriting agencies and web sites assist you so that this doesn’t happen to you. You may have to pay a fee however, your original material is protected; as well as the fact that they can tell you whether or not someone else has the same type of material on another web site before you put it onto your web site.

Most web sites are not a matter of public domain. As far as graphics and other material on the web site it is copy written material. It using has a symbol depicting the fact as well. Right down to the java scripts that one might find on the web site. So be careful what you put on your web site and be sure it is all original material you are putting on your own website. Then you don’t run into the copywriting problems you will eventually incur upon yourself.

Pre-nuptial agreement when getting married

Have you ever heard the word called ‘pre-nuptial agreement’; where people think about the divorce when they are getting married? Many people may dislike this agreement, but it is still a fact.

While a pre-nuptial is highly recommended, especially if you are very rich or earning a larger sum of money without the help of your fianc? e, mentioning of a pre-nuptial could lead to the end of the relationship too. So, what could you do to avoid a pre determined fate of your divorce?

The best way to do before the wedding is thus listing all of your properties, such as cash, stocks, bonds, cars and other assets. Your worthy future partner should be able to understand this. Or else, you have to look for way how you can handle it. You may explain to your fianc? e that you have been very successful financially in the part, and you are sure that the best is yet to come, but you need to ensure that the marriage is not based on the money alone. However, future property you and your fianc? e will be earning will belong to both of you anyway. You just want to secure your financial status for the future.

It will be best if you can encourage your fianc? e to do the same, at the same time, helping him or her appear to be a very worthy partner. Thus, pre-nuptial agreements should be agreed in both parties that each will still own their previous properties. This seems to be working and make your fianc? e feel much better.

Usually, a pre-pre-nuptial agreement could make the other person feeling unworthy or seem to have less financial capacity to the other person. This is when problems occurs to be simmer, but there is no reason to hurt your fianc? e with embarrassment a pre-nuptial is discussed.

Although nobody wants to discuss about pre-nuptial, or looming financial contracts before the wedding, but the pre-nuptial is highly essential if you are very rich and wealthy. It is ok to take the action to protect your properties when concerning that the situation could be more difficult if you lose all of your properties after the divorce and realizing later that your fianc? e wanted only your money from the marriage.

This is a great way if you plan ahead to protect your financial status and properties while you are also providing the one your love a good life. Once, everything above is done, things should go smoothly all the way to the wedding.

Lead by the right example

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We’ve all heard that leaders should lead by example; that people pay more attention to our deeds than our words. This is completely true. What is implied by this truth, but not always articulated, is that people will follow whatever example we set.

To be a remarkable leader then, we must make conscious choices to set the right examples – to lead in directions we want people to follow.

The Caterpillars

Processionary caterpillars are an unusual species. They travel one after the other, head to tail in their search for food. It is because of this behavior that Jean Henri Fabre, the French entomologist, conducted an experiment.

He placed processionary caterpillars around the rim of a teacup one after the other in a circle. In the tea cup he placed their favorite foods, inches from their current location.

Through instinct and the strength of habit, the ring of caterpillars circled the teacup for seven days, until they died from exhaustion and starvation. They died with the food they were searching for just inches away. Because of their nature and this arrangement they all assumed someone else was leading.

While we as humans are more insightful, complex and intelligent, our behavior, sadly, often mimics that of the processionary caterpillar.

We follow our leaders and habits blindly, without questioning if our direction will get us where we want to go. If we are leading we often rely too much on instinct and habit. Perhaps worse, if we aren’t the assigned leader don’t think at all, assuming those who are leading are doing it well. Perhaps they are. Or perhaps you are collectively lining your own teacup.

Following blindly is dangerous enough for us as individuals, but can be even more devastating for us as leaders. As leaders we are asked to lead people to a desired future. It is rightly expected of us to do that with good information and a reasoned approach.

The Quick Trip

Many years ago I worked in a business with very difficult economics. There was an opportunity to make a significant sale to a new Customer who happened to be located in Hawaii. As a part of the negotiation for this long term supply of product, they wanted to meet with our General Manager.

Our General Manager flew from San Francisco early one morning, and with the advantage of the time zones, was able to meet with the Customer all day. He then went back to the airport and flew home on the red eye.

He saved some money, no hotel stay, etc. – an important consideration in our tough business climate. But the more important reason for the quickness of his trip was that he wanted to lead by example. He told me later, “It was important for people to know that I went for the business, and not a mini vacation.”

The example he set made a difference for those he led. Through his simple act, people re-focused on ways to improve the business and save money. Steve clearly led by example.

I could give you many other examples – some big and historic and others seldom mentioned – to illustrate the power of a leader’s correct example.

Your task though is to take what you already know, that people follow the actions of leaders and not their words, and use it to your advantage.

Stop today to review the direction you are heading as a leader. Review the choices before you and make the best one, based not on comfort or habit, like the caterpillars, but based on the future result you desire.

Make your choice and step boldly forward in that direction. The combination of bold decision and action aligned with your words will be powerful, and will allow you to move people, and therefore your organization, in the right direction.

Enhance your fashion with estate jewelry

When it comes to fashion don’t play safe, have some fun with your style and enjoy your look. Make your fashion statement! And the world will notice! Estate jewelry is the perfect finishing touch to your wardrobe so don’t forget to compliment your look with jewelry!

Even the most conservative dresser can find a beautiful piece of estate jewelry that says loads about them. Show your personality with your jewelry. From the serious corporate executive to the sexy flirt there is an estate jewelry necklace or earrings for you!

Estate jewelry stays in style year after year. It stands you out from the rest of the crowd. While others are busy buying the same modern necklace, earrings, or brooch, you’ll be showing off your unique style and tastes. You’re not likely to find someone wearing exactly the same piece as you.

You can turn estate jewelry from sophisticated, to fun, to trendy. Dress it up or down. Mix and match color, style, shape, and size. And you simply cannot beat the quality of estate costume jewelry from the past.

Estate jewelry can be used to show your individual personality. Think of it as fashion art and personal expression. We tend to think of our fashion statement as our hair style, the clothes we wear, the shoes and hand bag we carry. But your jewelry is an important part of that fashion statement.

Every now and then you change the style or the color of your hair. Each season you add and remove pieces from your wardrobe. But your estate jewelry will take you from season to season, year after year. All you need to do is mix and match it to give it a whole new look.

All types of estate jewelry are very flexible. They can be worn to the office, to that important executive meeting, for a night on the town, to the beach, or for that intimate evening. Bring out your softer feminine side, the sexy goddess, or present simple charm, sophistication and elegance. Wear it with your most formal evening gown, your casual sportswear, your office wardrobe, or your favorite pair of jeans. Wear it in the summer, winter, fall, and spring.

Estate jewelry is available with a variety of base metals. Silver, gold, copper, and brass are all popular. There are shiny pieces, matte piece, there are glittering rhinestones, subtle gemstones. Large pieces, dainty pieces. There costume jewelry of the earlier eras was often based on design ideas of fine jewelry and it had an artistic flare that has never been surpassed in the jewelry industry. Truly a time period where jewelry stood out above the rest. And it still does!

Estate jewelry has been popular for many years but just recently it has seen an incredible surge in popularity. Women are tired of looking like everyone else. They want to show off their unique personality and their very own fashion statement. Since this can be difficult to do with clothing that is mass produced and jewelry that is mass produced they have turned to estate jewelry for that gorgeous unique finished touch. They know that they will have the finishing touches that no other woman has. When they walk into the room they know that they will be unique and beautiful and make their fashion statement! No one will forget!

Web design for the do-it-yourselfer

Many potential online business owners want to develop a powerful website that is a blending of their own personality and a potent visual presentation that will be attractive to visitors.

Interestingly, these same business developers often have very little in the way of solid direction for their site. They know they want to sell products to customers, but may not be sure how to translate that desire into a web design. This is where a web designer can come into the picture to help identify what you may actually need in the form of a web development and design.

The biggest problem with hiring a web designer is you are likely to pay a significant outlay of capital to get the site up and running and the cost continues as you essentially pay a retainer fee each month to keep the designer on hand in case of any major changes. The straightforward answer to your dilemma is your lack of planning will ultimately cost you significantly in present and future web design application and redesigning.

Is there a way to make design and development easier?

Yes.

Think about a website in terms of a family tree. Instead of the patriarch of the family at the top of the tree, you have your homepage. Under that homepage you list primary pages (instead of children). These pages may consist of features such as “About Us”, “Contact Us”, “Shopping”, “FAQ”, etc. Then you should identify how many pages you will need under each of these pages. For instance in the shopping section you should determine how many pages you need to list individual products and descriptions.

If you can work to develop a site map (something like a family tree) for your web business then you can develop the website yourself at significant savings. What’s more you can also make any changes to your website on your own without needing to work through a web host or designer (who may or may not have time to help you once the original design is finished and they have found a new client to work with).

Template rich site builders can allow you to develop your own web design. The primary difference is you will need to take some time to plan the site and then work to implement the ideas on your own.

Most of us have some idea about how a family tree works. With that same principle a new website can take shape that conforms to your own personality and offers the opportunities to use the latest in web tools to help you make your site unique and distinguishable to site visitors.

Think about it another way. If you are looking to complete a home repair you might likely look at a website designed to provide details on managing a home repair project. This information can allow you to gain the satisfaction and pride that comes with saving money and gaining a new skill.

Online tutorials can help you learn what you need to learn about web building tools for a positive, self-directed web design.

What is the secret to finding real wealth

Did you know that less than one percent of the people currently living on this planet account for almost twenty-five percent of ALL the wealth? These powerful people certainly don’t want you to know this...they want you to stay as mindless drones whose sole objective is to keep THEM wealthy. What is the secret this small fraction of the population knows that the rest do not?

If you haven't seen the movie "The Secret", I implore you to watch it! The Secret is the most powerful law in the universe! If you have already seen it, watch it again. To watch "The Secret" online, copy and paste this url into your browser; thesecret. tv/home. html

Or you can watch "The Secret" On Demand via cable and satellite for audiences in the United States and Canada.

This small minority of people who are currently pulling the strings on world politics and world economics have mastered The Secret. These are the same people who want The Secret banned like it was once banned hundreds of years ago. Now The Secret has been un-earthed for all to discover its tremendous power once again!

There also have been great leaders who have mastered The Secret and made positive contributions to all of humanity. Leaders like Albert Einstein, Abe Lincoln, and Mother Teresa to name a few.

We are now living in an exciting new age of technology where humanity can do incredible things. The brick and mortar corporations who once ruled our economy unequivocally over the little guy are slowly losing their death grip due to the astonishing power of the internet!

So what is this secret you ask? In a sentence; "The Secret Is The Law Of Attraction". Simply stated, you get what you wish for...or your thoughts dictate what you get in life. Your health is dictated by your thoughts as well as your wealth.

Think of your thoughts as little tiny magnets...the intensity of these tiny magnets or thoughts are in direct proportion to the emotions you attach to it. The stronger the magnet, the stronger the attraction. This explains why a lot of people don't get what they wish for. They have not attached a strong enough emotion to their dream. Or they feel they don’t deserve their dream so they don’t bother pursuing it.

Let me give you an example of how the law of attraction works in a negative way. Think of the days when you got started off the wrong foot, then said to yourself "this is gonna be a long and terrible day". What happened? A long and terrible day...you got what you wished for! The degree of how terrible your day turned out was proportional to the intensity of the negative emotion you attached to the thought, right?

So how do these little "magnets" or thoughts attract what we want or don't want in our lives you ask? Well, and this is based on quantum physics that scientists have just learned in the last 10 or 15 years. There is an invisible universal mind if you will that contains all the dreams and thoughts of everyone who has ever lived or will live...past...present...future. This is quite the paradox you may think, how can this be?

The "time" element in this universal mind has been negated or altered. Quantum physics has recently shown us that a single electron can occupy two different spaces in an electro-magnetic field at the same exact point in time, once thought impossible. This goes against the laws of physics unless time has been negated or altered some how, the only possible explanation. So you may be able to connect with the dreams of someone who hasn't been born yet. Are you getting excited yet?

The Universal Mind is a sort of collective consciousness. The place where dreams are born. These dreams are invisible and waiting to take physical form.

How do you convert your dreams from the universal mind to the physical realm? By constantly thinking about your dreams with strong emotions and just as importantly - taking action! I am NOT talking about wishful thinking here...you must take action on your dreams!

It helps to have pictures of your dreams and look at them every day. Write your dreams down. Formulate a plan that is specific and with deadlines that will bring your dreams to fruition...and stay the course! “Don’t die with your dreams still inside you” as Dr. Wayne Dyer likes to say.

That is why I firmly believe you should pursue ventures you have a passion for...then you will find it easier to attach strong positive emotions to your thoughts and dreams.

This is the most powerful law in the universe, use it wisely my liege...

Good Luck and Stay the Course!

John Lynch

Learn to skydive with accelerated freefall programs in new jersey

A safe and convenient way to begin skydiving is the tandem jump. If you get hooked to the thrill of freefall then consider doing a course in accelerated freefall and skydive solo.

Attend a basic training program and get ready to make a tandem jump and discover the joy of skydiving. New Jersey’s extreme sports centers offer skydiving for beginners and experts and allow you to complete programs that enable you to jump solo. You don’t have to worry about safety issues as you will be harnessed to an experienced and licensed jumpmaster and are assured a smooth descent on the square parachutes used for sport parachuting.

Skydive Jersey Shore

Enjoy 60 seconds of freefall followed by 5-7 minutes of smooth descent. Skydive Jersey Shore allows you to make your first tandem jump at $195 on weekdays and $215 on weekend. On offer are special deals for groups, so plan a group jump with family and friends and make it a day that none of you will ever forget. What is more is that you can record this unforgettable experience on tape or DVD and enjoy watching it at home over and over again. It is mandatory that you be over 18 years of age and in good physical condition and should weigh no more than 220lbs.

Finding The Extreme Sports Center

If you are driving down then take the Exit 98 on Garden State Parkway and travel North on Route 34. Make a left at the first traffic light into Hurleys Pond Road. Drive about 100 yards to the entrance of the airport and follow the signs to the Skydive Jersey Shore. You can also take the New Jersey Transit Train to Belmar and take a cab to the extreme sports center.

Freefall Adventures

Situated at the Cross Keys Airport, Freefall Adventures is open seven days a week and promises to make your experience of skydiving an impressive one. Enjoy the thrill of 60 seconds of freefall followed by a smooth ride down for about 5-7 minutes as you enjoy the view around and under you. Your first tandem jump costs $149. Also offered here is the extreme tandem skydive where you jump from a turbine helicopter whilst it hovers. For jumpers who want to pursue skydiving more seriously there is an AFF program that once completed successfully allows you to jump solo.

Directions to the Extreme Sports Center

Freefall Adventures is at 300 Dahlia Avenue, Williamstown. If driving in from Philadelphia select either the Walt Whitman or Ben Franklin Bridge to RT 42 and follow it till the Atlantic City Expressway where you take Exit 41 (Berlin Cross keys) and stay right and drive past Home Depot. When you reach the Tuckahoe Rd. traffic light make a left and then take a third right on Dahlia Avenue; a short drive finds you at Freefall Adventures.

Fha loans look strong

We take long-term mortgages for granted today, but it wasn't always that way. Long ago it was likely that if you financed a home you borrowed money with a five-year "term" mortgage -- and even then you needed 50 percent down. When the five years was up, you went and got a replacement loan.

But term loans have a built-in problem: They're not always available, especially if people lose jobs or if home values decline. That was a common situation after the Great Depression, but in 1934 the newly-formed Federal Housing Administration (FHA) began offering long-term mortgage loans insured by the federal government. The result was that millions of people could get long-term mortgages with little down that would allow them to ride-out tough times.

Today the FHA mortgage program remains an important option -- more than 555,000 FHA loans were originated in 2005. That's a big number, but it's a lot less that the 827,000 FHA loans started in 2004 or the 1.53 million originated in 2003.

Whatever the numbers, if you're a first-time buyer or someone looking for liberal qualification standards, the FHA program is worth considering. And given coming changes in the lending industry, it's likely that we'll see a lot more FHA loans in 2006 and beyond.

Under the FHA program you can buy with as little as 3 percent down. That's 97-percent financing, a good deal by traditional standards though it's fair to point out that 100-percent financing is now widely available. However, the 3-percent downpayment can be in the form of a gift or grant -- in fact for the past decade the FHA has even allowed couples to establish a "bridal registry" where friends and relatives can contribute to a downpayment fund.

In addition, the FHA program also allows owners to kick-in a "seller contribution" of 1 percent to as much as 6 percent of the sale amount. While you can bet that most sellers will not joyously give up money to help purchasers, in a buyer's market a seller's contribution might be the difference between "sold" and stilled listed.

To qualify for a mortgage lenders look at your monthly income and expenses. For a conventional loan the guidelines might allow you to spend 28 percent of your gross monthly income on housing costs such as mortgage interest, principal, property taxes and home insurance (PITI). In addition, loan guidelines might allow you to spend 36 percent on PITI plus other monthly debts such as credit card bills and auto loan payments.

With FHA fixed-rate financing the usual ratios are 31/43 -- liberal standards that will allow borrowers to get more financing than with conventional loans. FHA also offers an "energy efficient mortgage" or EEM. If you have an energy-efficient home the FHA believes you'll have lower utility costs so there's more money in the till each month for mortgage payments. The FHA guidelines allow for 33/45 ratios with EEM financing.

There are, however, some complications with FHA mortgage financing.

Under the FHA program you're buying with little down. This is possible because FHA insures the loan and you pay an insurance premium. The premium is equal to 1.5 percent of the sale price at closing (an amount which can be financed) and .5 percent per year for the outstanding loan balance. In other words, if you can buy with 20 percent down or with 80-10-10 financing you may want to skip the FHA program and avoid the insurance fees.

FHA also has a complex set of loans limits which means there may not be enough loan money to buy a property.

For instance, this year the conventional loan limit for single-family homes in the continental U. S. is $417,000. By law, the maximum FHA mortgage is 87 percent of the conventional loan limit, or $362,790 in 2006. However, this upper loan figure is only available in high-cost areas -- and in many high-costs areas FHA loans are simply insufficient to acquire typical homes.

If you live in a community with less expensive housing it's likely that the amount you can borrow under the FHA program will be lower. Larger FHA loans are available for two-, three - and four-unit properties, providing at least one unit is owner-occupied. Your mortgage lender can explain the amount of FHA financing available in your community for the type of property you want to purchase.

For the past few years there has been another factor which has made FHA loans less attractive than some other forms of financing, a factor which may go far to explain the loan's declining popularity.

Beginning in 1998, the FHA started something called the Homebuyer Protection Plan. The idea was to have appraisers examine homes for physical defects -- not a bad thought except that appraisers are qualified as not professional home inspectors.

Many homeowners thought they might save money because an FHA appraisal under the so-called protection plan sure sounded like a home inspection. It wasn't, but as a result many buyers decided not to get their property checked by a professional inspector.

HUD said that FHA appraisers who did not meet its requirements could be prosecuted under the federal False Claims Act. The appraisers then did what sensible people do: They raised their rates because of the new requirements or refused to appraise homes for FHA borrowers. Lenders, in turn, began advising borrowers to try other programs if only because it was easier to find an appraiser.

The HUD effort was not adopted by conventional lenders or the Department of Veterans Affairs. And one home approved for FHA financing in Detroit was found to have 181 building code violations -- perhaps not a world record but so embarrassing that HUD bought back the property from the owners.

On December 19th last year, HUD announced that appraisers would no longer be responsible for reporting "cosmetic defects, minor defects or normal wear and tear" including such things as leaky faucets, soiled carpeting, poor workmanship or trash in the crawl space.

What the new HUD appraisal standards really mean is this: If you want to buy a home with FHA financing, that's great -- just make sure you get both an appraisal and a professional home inspection. The appraiser can establish the value of the property and the inspector will check the property to determine its current physical condition.

This is as it should be for all homes and all forms of financing. An appraisal is simply not a home inspection and buyers are well-served getting both.

As to FHA loans, without needless and sticky appraisal standards you'll see more of them in 2006. An inherently good loan is once-again available to borrowers on increasingly-competitive terms.

Thailand is their land

The true magic you'll find when you travel to Thailand is its alluring authenticity. Thailand is the only Southeast Asian nation never to have been colonized by European powers; consequently, the still-standing and functioning monuments of the past attract visitors who admire thousands of years of history integrated into present day society. Even more appealing, Thailand offers the diversity of a society running in parallel: booming city life and leisurely beach escapes, thickly canopied jungles and white sand islands, indulgent cuisine, clubs and cocktails and the sanctuary of Buddhist lifestyle. Thailand has come of age as a traveler's dream destination, an affordable gateway to paradise with all the modern conveniences at your fingertips.

What's In a Name?

The Kingdom of Thailand was known as Siam until 1939, when a bloodless revolution instated a constitutional monarchy and the name was changed to literally mean “free” land. The original kingdom was founded in 1238, but largely influenced throughout history by China and India. Geographically, Thailand is surrounded by countries whose turbulent 20th century histories have defaulted tourism into its exotic but more accessible borders. For this reason, Thailand is also a wonderful home base from which to explore Cambodia and Laos to the east, Myanmar (Burma) to the west, and Malaysia to the south.

Wat You Waiting For?

Thailand is littered with just as many exciting cities as beautiful beaches. Where you might notice the imbalance is in the inconceivable number of temples, or wat. As the main center of the very north, Chiang Mai is a large, beautiful and historic city. A visit to the famous Night Bazaar or the nearby Wiang Kum Kam archeological ruins is certainly not enough to distract even the most oblivious from the more than 300 Buddhist temples that sprinkle the skyline with shiny gold, red and green hues. Make sure to visit Wat Chiang Mun, the city's (and possibly Thailand's) oldest temple, located within the old city walls and dating back to 1296. Heading south, do not miss Ayutthaya and Sukhothai, Thailand's two former capitals (the latter being the founding city) classified as World Heritage Sites filled with hundreds of beautifully maintained temples, statues and bustling human activity, all embedded within the lush green environs.

Bangkok is perched on the Gulf of Thailand, but this humming, vibrant and congested 24-hour capital city is a far cry from the resort cities and towns found east and south along Thailand's sub-tropical coastline. Thailand extends south into the Kra Isthmus, providing for extensive coastline and some of the most filmed beaches in the world. Phuket is the most famous resort island, but more rewarding is a trip to one of the smaller and less commercialized areas. Ko Tao is of particular interest for scuba divers, while Ko Pha Ngan has become famous among younger travelers for its regular full moon festivals held all night on the sparkling shores. Ko Phi Phi is far more breathtaking in person than even the camera angles of the film "The Beach" could do it justice.

Some rudimentary social customs aside, Thailand is an extremely easy going and welcoming travel experience. Everything from simple to luxurious is at your disposal, and all with a very fair price tag, not to mention an unbeatable combination of picturesque beaches, rainforested mountains, and an intense metropolitan culture. So really, what are you waiting for? Start planning to travel to Thailand today.

Tips for helping to maintain digestive health

Did you know that over 70 million Americans suffer from digestive issues such as irregularity? According to a recent national study, one of the more common digestive issues--irregularity--affects about 26 million Americans. Irregularity can impact a person's overall well-being and have a negative effect on his or her quality of life.

Symptoms of irregularity include bloating and heaviness, as well as pain and trouble going to the bathroom. These symptoms can become particularly problematic and inconvenient.

There are a number of ways to help deal with irregularity, including drinking water, exercising and eating high-fiber foods. In addition, The Dannon Company recently introduced Activia®, a tasty, lowfat yogurt that was developed to help address the issue and contains a natural probiotic culture. Probiotics, meaning "good for life," are living microorganisms, which upon ingestion in sufficient quantities provide additional health benefits beyond basic nutrition.

Activia, which contains the natural probiotic culture Bifidus Regularis™, is clinically proven to help regulate the digestive system in two weeks, when eaten daily as part of a healthy and balanced diet. Activia works by helping to reduce long-intestinal transit time-the time it takes food to pass through the digestive system.

"Irregularity is a source of true discomfort for many people who experience feelings of being heavy and bloated-a person's entire day can be ruined by even a mild digestive problem," said Michael Roizen, MD, Dean of the School of Medicine and Vice President for Biomedical Sciences at SUNY Upstate. With Activia, there is finally a great-tasting food that helps regulate your digestive system. Each four-ounce serving is also a good source of calcium and contains five grams of protein.

Try these additional tips for dealing with irregularity:

Keep Moving

Doctors say exercising just three times a week can help people's digestive health. If you can't make it to the gym, try to at least add more movement into your day. Take a quick walk at lunchtime and choose the stairs instead of the elevator. Every little bit helps.

Have A Drink

Dehydration can sometimes worsen or even cause irregularity. Doctors recommend people drink at least eight glasses of water a day. Try keeping a water bottle at your desk at work or carry one with you at home. Doing so can help you remember to drink throughout the day.

Innovate with creativity

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Cheap car insurance quote for a lady

If two people walk into a car insurance agency – a lady and a gentleman – looking to purchase cheap car insurance, chances are the lady is going to walk out of the car insurance agency with a cheaper car insurance quote than the quote the gentleman will be offered. Why? A multitude of reasons, really. Statistics show that lady drivers tend to be safer drivers than men drivers, and are therefore seen as less of a risk to insure than men drivers.

So how can a man driver get the same cheap car insurance quote that a lady driver gets? Perhaps the most important change a man can make – other than learning how to put the toilet seat down before leaving the restroom – is how he shops for a car.

The motor vehicle-related accidents that lady drivers are involved in often don’t cause as much damage as motor vehicle-related accidents men drivers are involved in. A major reason these motor vehicle-related accidents cause less damage is because they are safe vehicles. Of course, the driving habits of whomever is behind the wheel undoubtedly plays a huge roll is how much damage is caused in a motor-vehicle accident; however, these days car manufacturers are offering us safer, more dependable and reliable vehicles than ever before.

Cars today compared to the cars of yesteryear have more dependable breaks, air bags for all passengers, and are built sturdier. These factors and many more help ensure that less damage will be caused to the drivers, passengers, and vehicles (at least the safer vehicle) involved in the motor vehicle-related accident. Since lady drivers statistically drive these kinds of cars more often than not, car insurance companies tend to give them cheap car insurance quotes.

So, the next time a man driver heads out to spend a sunny Saturday at the local dealerships, he should have safe cars on his list rather than flashy, yet unreliable, cars.