The Best Tips in the Internet

COMPUTER COURTESY

2009-10-10T12:53:00.003-07:00

The tips that follow should help you to write e-mail that will be well received every time The links in this PDF are 'live'. You can search keywords by going to Edit, Find, type word and click Next

Pay attention to punctuation, spelling, grammar and capitals. It shows that you value us and that you've thought about what you've written rather than an off-the-cuff rushed message in the heat of the moment.

Your subject line should be descriptive, especially when we get so many emails or if we like to save the emails in a file. It'd be great a practice to start the subject with "Recipient or group name" then a hyphen, your subject (specific and changed for each email), another hyphen and then the date. E.g. Thea-Email tips attached-15Oct05 Make the subject crystal clear.

Use short paragraphs and leave lines between them. This makes for more easy and quick reading when you experience a lot of email activity on a regular basis.

Tidy up all those ">" characters when replying or forwarding. I use a handy tool for this http://www.dsoft.com.tr/stripmail/ I've downloaded it and I keep it on my desktop.

Check the source of any "news" or "chain" mailings before passing on. Here is a good resource for that: http://www.sophos.com/virusinfo/hoaxes/

Avoid sending unsolicited, large attachments. That 3MB movie file may be the funniest thing you've seen for a long time, but don't automatically send it to everyone to know. Ask them first if they want to receive it. A great tool for large file sending is http://www.yousendit.com/

Ensure that your PC is protected against viruses. Your virus scanner might not protect against Spyware and Adware. Good quality free tools are: ~ http://free.grisoft.com/doc/2/lng/us/tpl/v5 ~ http://www.lavasoftusa.com/software/adaware/ ~ http://smb.sygate.com/products/spf_standard.htm ~ Remember to set your email service to scan viruses for emails coming in and out.

Use lower case font. When in all capitals, it is harder to read and may be perceived as aggressive.

Thou shalt not spam! Go to http://www.acma.gov.au/ACMAINTER.65690:STANDARD:298294164:pc=PC_1965 Or click here for same http://yatuc.com/a0 Another handy tool http://yatuc.com/index.php?lang=en

Re-read your message before sending. Read it from the perspective of the recipient.

Consider first if your message needs the "Reply To All" treatment, or if it is sufficient to simply "Reply To Sender" only. Always ask permission if wanting to pass another's contact details forward. If you need to keep another's email details hidden when you "Cc:" then place their email address in the "Bcc:" text box.

Limit your "non-group related topic" emails to e.g. one per week, when using the group email option. Keep emails short i.e. to a single screen page. When it's a more complicated issue to discuss, why not use the telephone and speak? In emails to busy people, tell recipients if/when you do/don't want a reply.

Be mindful of when you use the 'priority' or the 'request receipt' options (these are under 'Tools' and 'Message' when you have email open & ready to send). Less use has greater impact when you need it.

Is it clear who's the sender? Use an email signature that has contact details and change the "From:" option for your emails. As an email signature I use http://www.addbranding.com/ or you can go to your task bar Tools, Options, Signatures. To change what shows in the "From:" box, go to Tools, Accounts, Properties and change "Your Name:" in User Information. It won't impact account settings, it's safe to do.

EMAIL HUMOUR Purely for your entertainment: http://www.pmaco.com/humor/Tomatoe_Cart.html
About the Author

©2005 Thea Westra is an international life coach who resides in Perth, Australia. She is editor and publisher of a free, monthly newsletter which you can receive by going to her website http://www.forwardsteps.com.au She also publishes a blog called Triggers http://forwardsteps.blogspot.com

Written by: Thea Westra

Computer Controlled LED Signs

2009-10-10T12:53:00.001-07:00

Most LED signs available today can be controlled by the operator. Computer Controlled LED signs are controlled by the operator. These are the most upcoming technology that is being spread all over the world in speed.

Computer controlled LED signs use the LED technology stands for light emitting diodes and produces very bright light while at the same time being energy efficient as they do not burn off heat as a wasted by product like incandescent lighting. These signs are used as indoor and outdoor outlets in world’s most cosmopolitan cities.

Computer controlled LED signs are employed by many industrial places and even unlikely places too. The main advantage here is that one LED sign can be used as multi talking functionality as computer controlled featured is available which controls the messaging and information. So the operator can choice from number of text and languages, again user defined message can be transmitted to broadcast to the world.

One important feature is the memory capabilities of computer controlled LED signs. While it is common to have electronic displays save 10,000 characters, some models can even save 150,000 characters at a time.

Jayex Technology is successful in proving that Computer Controlled LED can be equipped and controlled easily and with no technical expertise. LED signs can now be seen hanging above some of the world’s most cosmopolitan cities in flashy advertising billboards.

These computer controlled LED signs can be controlled from remote location, in advantage. Infra red keyboard or windows based software are used to update the signs, they can now be updated with other means also.

Moreover, fiber optic cable, telephone modems, pagers and certain cellular phone technologies can also be utilized in computer controlled LED signs.

Paula Jones

Jayex Technology Limited, based in London specialise in advanced information display systems. Established in 1978 we have pioneered the development of the LED display market and now have over 18,000 customers worldwide. We offer, probably the largest range of models from small single line signs to big screen Megavision screens that can display live video and action replay in stadia.

jayex.co.uk

Written by: Paula Jones

Car Detailing Manuals — Tips and Tricks that Save!

2009-10-10T12:52:00.001-07:00

If your idea of car detailing is washing and waxing your car, you might be in for a bit of a shock. While you can save a lot of money making this a do-it-yourself (DIY) project, this is definitely a skill which has been developed over the years.

If you do not want to pay the detail shops to perform this work for you, buying a DIY manual on car detailing is probably the next best step. A manual will provide time-saving shortcuts, as well as tips to give you the professional edge you need.

Repair Minor Body Damage

We all hate the annoying dings and scratches we get from everyday driving. Luckily, a repair book can save you a lot of money. There are many how-to tips which will enable you to repair simple dents (such as hail damage), saving hundreds or even thousands of dollars.

Waxing and Buffing Techniques

Think you know how to wax a car? Well, after reading a manual you might find out you didn’t know as much as you thought! First, you need to start with the right type of polish or wax for your vehicle. Understanding the chemical and material makeup which provides the best shine and long-term protection will help you determine what type of wax to buy. Most do-it-yourself guides will even list a comparison of the most popular brands (so make sure you purchase a recent version).

Interior Preservation

The best way to make sure you don’t have to restore your interior is by preserving it. Easy how-to instructions explain the best way to care for leather, synthetic leather, vinyl, and cloth seats. You will also learn about wear patterns, and how to prevent them. Remember, prevention is the best medicine!

Interior Restoration

Although it is possible to completely restore the interior of a vehicle by having new upholstery installed, this is not always the most practical—or cheapest—method. Car detailing manuals demonstrate common methods to repair small tears in cloth, leather, and vinyl. They will also show you how to bring life back into your worn fabric, which is valuable since it is not always easy to find an exact match on vintage vehicles.

Engine Detailing

If you have ever purchased a car, surely one of the first things you did was open the hood to look at the engine – even if you didn’t have a clue what you were looking for! Whether you are looking to care for your existing car, baby your classic, or spruce up a bit before you sell, engine detailing is one of the most important steps in car detailing.

It is extremely important to follow the instructions in the do-it-yourself manuals. Some cleaning chemicals can cause accelerated deterioration of hoses and electrical components. Certain cleansers are not meant for automotive use, and their residue can remain flammable for several hours. Following a manual will prevent you from making the basic mistakes, show you the best techniques and tools to use (saving you scrapes on your hands as well as time), and can even help you create your own cleaning products which are just as effective as the one sold in your automotive store.

Wheel and Tire Maintenance

Keeping your tires looking good is a great way to keep your car looking good as new. While there are many great products out there to make your tires look great, you should know which ones clean, and which ones leave a residue all over the rubber which will haunt you once the shine wears off. When it come to wheels, it is important to keep them clean and protected. Small rocks and other debris on the road will put small pits in your wheels, making them more susceptible to rust and corrosion. A good how-to book shows you how to clean and protect your wheels so they look brand new for years.

It Just Makes Sense

Owning a how-to manual or book just makes sense. For a few dollars, you will have a wealth of knowledge and a handy reference guide to look at while you are detailing your car. You will pick up time-saving techniques and money-saving tricks that will improve the overall quality and safety of your DIY projects.

It just may turn out that car detailing will be a perfect new hobby for you!

About the Author

The Motor Bookstore sells repair and service manuals for cars, trucks, motorcycles, boats, farm tractors, and much more.

Written by: The Motor Bookstore

Car Dealer Reviews - One of the most important pieces of information you need.

2009-10-10T12:51:00.002-07:00

You've shopped the makes and models online and found the perfect car to buy. More surfing has landed you a great loan rate via an online bank. Best insurance rate? Got it. Dealer invoice cost for the car and its options? Printed and in hand. Then why do we still feel that sense of impending betrayal when we walk into the dealership? Because up until now, there was no online resource to give you the true dirt on the dealerships.

Enter http://www.dealerscene.com>Dealer Scene, an all new, 100% free car dealership review and rating resource. At last, an online resource where new car buyers can research the dealerships in their area. Find out what the buyers before you thought about the dealership. Good, bad, ugly? This very important information is now a mouse click away. No more relying on your Uncle Bob's co-worker's friend's cousin's advice to try "XXXX Auto Mall".

The site layout is easy to use and the registration process is quick and not invasive. I was able to sign up and post my own review in a matter of minutes. Each review requires an overall rating on a 1-10 scale. The ratings are compiled and averaged for an overall score. This score is the main indicator of the dealership's performance. For more detailed information you can read each independent review as well. There were a few interesting stories left for other dealerships that I suspect will have them thinking twice before mishandling customers now that this information is easily available!

If you are in the process of car shopping or are about to embark on that treacherous voyage, I highly recommend checking http://www.dealerscene.com>Dealer Scene as part of your research and homework.

http://www.dealerscene.com>Dealer Scene - Car Dealer Ratings

http://www.DealerScene.com
About the Author

Dan Blasi is the CEO of DANKEN, Inc. which specializes in several different internet based consumer services. This article Copyright DANKEN, Inc. - 2005

Written by: Dan Blasi

Become A Travel Pro In One Easy Lesson

2009-10-10T12:51:00.001-07:00

I focus a lot on helping the first time or inexperienced traveler head out prepared and confident in themselves. Starting out as a new traveler can be intimidating. How do you jump into the gigantic travel fray and survive? How can you learn to love delays and long lines?

Get prepared.

What exactly does that mean? It means being confident in what you are doing, where you are going and how you are getting there. Basically, it means being comfortable with yourself when you leave home.

OK, so what. How do you do that? Follow these quick tips:

Tip #1
Know your destination.
Do some kind of reading before you go. Know how long it’s going to take to get there, and the time zone. Understand how the currency converts and get a handle on local customs.

Tip #2
Be prepared before you leave home.
Make sure you have the essentials you will need, especially for a safe trip. This includes a hide away money belt, copies of your passport, one credit card, debit card, ATM card and traveler’s checks. Take no more than $500 cash. Make sure someone has your itinerary in case of an emergency.

Tip #3
Travel light.
Pack for only five days. Carry one bag. Your bag should be a soft sided, durable carry bag of ballistic nylon. It needs to have a padded carry strap to sling it over your shoulder.

Tip #4
Leave early.
Wherever you are headed, no matter what type of transportation, leave early for you departure terminal. It means less stress for you . . . a lot less stress for you.

Tip #5
Look like you have traveled all your life.
Appearance matters. If you do the above tips you will look and feel like a veteran traveler. Veteran travel pros DO get a higher level of treatment and service from people who work within the travel industry.

Tip #6
Expect things to go wrong.
Most things run pretty well in the travel industry. There are inevitable delays and cancellations. After all, it’s a dynamic industry and getting the mind boggling number of pieces to work all in sync is a real juggling act. If you expect delays you are better prepared to deal with them. If things go well, and they usually do, you get a nice mental lift as you travel. The more travel experience you get the better you get at knowing where delays usually occur and can either plan for them or try to avoid them.

Tip #7
Be polite.
This follows Tip #5 and #6. While it is your hard earned money that is paying for your travel you are one of thousands of travelers a day moving around the globe. Almost three-fourths of these people are inexperienced travelers. Many are stressed out, tired, cranky and rude. If you are polite you will feel better and get better treatment.

See you on the road! Joyce travels and writes extensively. Her travel tips from 30 years of traveling appear on her website: http://travel-packing-tips.com

Written by: Joyce Jackson

Beautiful BARCELONA - Easy Travel Guide

2009-10-10T12:50:00.002-07:00

Beautiful city of Barcelona, capital of Catalonia (a Spain's province), is situated on on the shore of the Mediterranean sea and bordered at either end by 2 river deltas. Barcelona is the second largest city in Spain after its capital city Madrid. Barcelona has a population of 1.5 million, over 4 million including suburbs. The varied, eventful history of the city dates back 4,000 years to the first settlements by ancient farmers. Later it became a Roman colony, the Visigoth's capital city, then it came under Moorish rule. It went through sieges, destructions and occupations, finally to become an autonomous democracy 1975. The city has always played an important role in political and cultural life of Spain and it is well reflected in the variety and quality of historical buildings, museums, many other tourist attractions. Today Barcelona is one of the most diverse european cities with unique culture and rich traditions. You can find here a formidable balance of the traditional things and the avant-garde. A cosmopolitan metropolis, Barcelona affords visitors a warm and sincere welcome, being aknowledged worldwide as one of the best tourist-friendly cities in Europe.Barcelona's organisation of the 1992 Olympics provided regeneration of this dynamic city, gave a fresh start to its infrastructure development. WHAT TO SEE AND WHERE: POINTS OF INTEREST - La Rambla is a tree-lined pedestrian boulevard packed with buskers, living statues, mimes and itinerant salespeople selling everything from lottery tickets to jewellery. Pavement cafes and stands selling craftwork, street performers surrounded by curious onlookers, a noisy bird market, Palau de la Virreina, a grand 18th-century rococo mansion, the Gran Teatre del Liceu, the famous 19th-century opera house- these are all colourful parts of La Rambla's mosaic. La Rambla ends at the lofty Monument a Colom (Monument to Columbus) and the harbour. Barri Gotic - also known as Gothic Quarter, it is the old part of the city. Picasso lived and worked in Barri Gotic from 1895 to 1904 and Joan Miro was born and lived here during his youth. Gothic Quarter is situated on the right hand side of the La Rambla, it contains a concentration of medieval tall Gothic buildings (14-15th century) on narrow cobbled streets and now is home to much of the city's nightlife. La Sagrada Familia - La Sagrada Familia is one of the most famous and magnificent among Barcelona's landmarks. The life's work of Barcelona's famous architect, Antoni Gaudi, the magnificent spires of the unfinished cathedral imprint themselves boldly against the sky with swelling outlines inspired by the holy mountain Montserrat. Above each facade there are four towers, 12 in total, which are dedicated to the Apostles. The tower in the center, the tallest of all at 170 m., is dedicated to Jesus Christ. Around these there are the towers of the four Evangelists, and the tower over the apse is dedicated to the Virgin. They are encrusted with a tangle of sculptures that seem to breathe life into the stone. Gaudi died in 1926 before his masterwork was completed, and since then, controversy has continually dogged the building program. Nevertheless, the southwestern (Passion) facade, is almost done, and the nave, begun in 1978, is progressing. La Pedrera - Casa Mila (Mila House) is an apartment building, the last example of Gaudi's civil architecture.It is one of his finest and most ambitious creations, extraordinarily innovative in its functional, constructive, and ornamental aspects. Visitors can tour the building and go up to the roof, where they can see spectacular views of Barcelona. One floor below the roof is a modest museum dedicated to Gaudi's work. Montjuic - the largest open space in the city, its main attractions are the Olympic installations, the Spanish Village and the hilltop fortress. Montjuic, the hill overlooking the city centre from the southwest, is home to some fine art galleries, leisure attractions, soothing parks and the main group of 1992 Olympic sites. Montjuic is covered in ornamental gardens with water features and is the most popular destination in Barcelona on Sundays. Tibidabo - is the highest hill in the wooded range that forms the backdrop to Barcelona. It has amazing views of the whole of Barcelona, a stunning cathedral, and a family fun park Parc d'Atraccions with old-style rides offering breathtaking views. A glass lift at the park goes 115m (383 ft) up to a visitors' observation area at Torre de Collserola telecommunications tower. Modernisme - spectacular modernista architectural creations dotted around the city by famous Antoni Gaudi and his contemporaries. Camp Nou - home of F.C. Barcelona, one of Europe's leading soccer teams, with capacity of almost 100,000 spectators. The Seu Cathedral - Built in medieval times on the site of a Roman temple, La Seu is one of the great Gothic buildings in Spain. Parc de la Ciutadella - Barcelona's favourite park and a Sunday afternoon rendezvous for families, friends and ducks The Sardana - traditional Catalan dance, performed outside the cathedral and at national festivals, with everyone encouraged to join in.

MUSEUMS - The Barbier-Mueller Museum of Pre-Columbian Art -the only museum in Europe devoted exclusively to Pre-Columbian cultures. Housed in a gothic palace, its collection is one of the finest of its kind and gives visitors an insight into the rich world of the earliest cultures on the American continent. This tiny museum contains one hundred pieces, including wood and stone sculptures, ceramics, tapestries, jade, often found in international exhibitions and prestige publications. The exhibits represented the Olmec, Maya, Aztec, Chavin, Mochica and Inca civilisations. Palau de la Musica Catalana - one of the world's most extraordinary music halls, it is a Barcelona landmark. From its polychrome ceramic ticket windows on the Carrer de Sant Pere Mes Alt side to its overhead busts of Palestrina, Bach, Beethoven, and Wagner, the Palau is the flagship of Barcelona's Moderniste architecture. Museu Picasso - is Barcelona's most visited museum. 3,500 exhibits make up the permanent collection. Picasso spent several years (1901-06) in Barcelona, and this collection, is particularly strong on his early work. Displays include childhood sketches, pictures from the beautiful Rose and Blue periods, and the famous 1950s Cubist variations on Velazquez's Las Meninas (Ladies-in-Waiting). Gaudi Casa-Museu - Gaudi lived in this pink, Alice-in-Wonderland house from 1906 to 1926, which now houses a museum of Gaudi-designed furniture, decorations, drawings, and portraits and busts of the architect. Fundacio Miro - it was a gift from the famous artist Joan Miro to his native city. The museum opened in 1975, and now it is one of Barcelona's most exciting showcases of contemporary art.

BEACHES - One of Barcelona's greatest draws is undeniably its beautiful beaches. Beside world-famous Costa Brava and Costa Dorada which are within 1-hr drive time from Barcelona, there are also several nice beaches over 4 km long within the city boundaries, we will list just several of them here: Nova Icaria- Closest to the Olympic marina, always crowded, this wide swathe of rough golden sand is great for food goers. There are three perfect beach bars and two very popular restaurants on the promenade (Mango and Chiringuito de Moncho) and countless bars and restaurants are just a short stroll away. Bogatell- This beach is twice the length of adjoining Nova Icaria and fringed by a stretch of stone walkway perfect for jogging, roller blading and cycling. Three large informal restaurants on the promenade. Mar Bella (Metro Ciutadella Vila Olimpica, plus 20-minute walk)- Barcelona's only naturist beach close to a peaceful park - good for a picnic or siesta under the trees. Barceloneta- wide and long, a traditional and popular stretch with locals, crowded, noisy and very jolly.

WHEN TO GO, WEATHER: The best times to visit Barcelona are late spring and early autumn, when the weather is still comfortably warm, around 21-25°C. Summers are usually hot and humid, with temperatures averaging +30 (+ 86 Fahrenheit). Especially avoid the "dead" month of August, when many shops, bars and restaurants close for the month as many local inhabitants head out of the city. Winters are cool with average daytime temperatures around +12 C (+59 Fahrenheit), occasionally rainy.

GETTING THERE AND AROUND: By a direct flight to Barcelona, or through Madrid or via another large European city from almost any major airports in the world. The highest fares are from May to September, the lowest in March-April, October-November and December to February (excluding Christmas and New Year when prices are hiked up). Note also that flying on weekends may increase your ticket cost. If traveling to Barcelona from within Europe you can also chose train, bus or car, though these take much longer than a plane and often work out no cheaper. Many Mediterranean cruises include Barcelona as a port of call.

ACCOMODATIONS: We can offer you a range of choices. You can choose vacation rentals in Barcelona starting from $ 125 USD for a double room in a 4-star apartment hotel. Or you can opt for hotels from $ 65 USD for a double room in a 3-star hotel. Accomodation prices do not change much throughout the year due to the steady all-season flow of visitors to this extremely popular tourist city and surrounding resorts.

DINING: Besides restaurants you can eat at bars where you would have a succession of tapas (small snacks- three or four chunks of fish, meat or vegetables, or salad, which traditionally used to be served up free with a drink) or raciones (larger ones). The bar option can be a lot more interesting, allowing you to do the rounds and sample local specialities. Generally, the average cost for a meal consisting of two dishes and dessert would come to about 25 Euros. Travellers on an extremely limited budget can do well for themselves by using the excellent markets, bakeries and delis and filling up on sandwiches and snacks. Decent restaurants and cafes are easily found all over the city, though you'll probably do most of your eating where you do most of your sightseeing, in the old town, particularly around La Rambla and in the Barri Gotic. Look for the best and most authentic seafood restaurants in Barceloneta, a seaside neighbourhood. Gothic Quarter neighbourhood is home to some of the oldest and most traditional restaurants in the city. Gracia is a very popular area among young people during the weekend, it leads the way in terms of exotic restaurants (Lebanese, Egyptian, Thai etc.).

TRANSPORT: Barcelona has excellent transport system comprising the metro (subway), buses, trains and a network of funiculars and cable cars. You can find a link to transport maps at the end of our guide. On all the city's public transport you can buy a single ticket every time you ride, but even over only a couple of days it's cheaper to buy a targeta - a discount ticket strip. The T-10 targeta is valid for ten separate journeys on the metro, buses and trains. These tickets can be used by more than one person at a time. The metro is the quickest way of getting around Barcelona. For black-and-yellow taxis there is a minimum charge of $ 2 euro. You'll obviously have a great deal more freedom if you rent a car . Major roads throughout the city are generally good, and traffic is generally well behaved, though Spain does have one of the highest incidences of traffic accidents in Europe. It also has some of the lowest fuel prices on the continent.

SHOPPING: Barcelona, one of the most stylish cities in Europe offers great shopping, from designer clothes and accessories to household items. You will find the city to be quite cheap for a lot of items, especially if you coincide with the annual sales ( rebaixes in Spanish) lasting from mid-January until the end of February, and throughout July and August. The best shopping areas in Barcelona are the old streets off the upper part of the Ramblas. Souvenirs include ceramics, which are widely sold in the streets around the cathedral; leather goods; city's delicatessens, particularly cooked Catalan meats and sausages; a porron (the long-spouted glass drinking jar); CDs and tapes of Catalan rock and pop, sardana music, Spanish rock or flamenco. If you're looking for original gift ideas, some of the best hunting can be found in the shops of any of the city's museums, where you'll find reasonably priced and unique examples of Catalan disseny (graphic), and other original items ranging from postcards to replica works of art. We wish you a nice and safe trip!

For more information on Barcelona, travel tips, useful Barcelona travel links, maps, other destination guides visit us: TravelMake.com
About the Author

Travel Make.com - one of leading online discount travel agencies, a source of useful travel information.

Written by: TravelMake.com

Adult ADD And The Art Of Grocery Shopping

2009-10-10T12:50:00.001-07:00

One of my greatest struggle with sticking to a budget, is that I always overspend what I budget on food. Here are some of my tips to help an Adult with ADD when going Grocery Shopping:

1. Write a menu of what you want to eat for the week. Make sure to include breakfast, lunch, and snacks. There are software products available to help adults with ADD who are more visual thinkers. 2. Based on the menu create a list of what you will need to prepare the items on your menu.

3. Look in your cabinets and refrigerator, for items that are on your list, remove those items from your list. If you go the supermarkets to buy cleaning products or toiletries, you will need to check your bathroom, closets, and if you are like me anywhere else in the house where you put these items. Add items that you are running low on, on to the list.

4. Can you afford the items that are on your list? This will be difficult to determine if this is the first time that you have set a limit for yourself, or if grocery shopping is new to you. Once you have shopped a couple of times with a set limit, you will understand whether your food budget is realistic, or if you will have to make changes to your limit or what you buy. A lot of adults with ADD like to use online services that will deliver the groceries to you. This can be helpful for several reasons; it will total up all you purchases before you make them, it reduce the time of a mundane task, and it helps to control impulse buying.

5. If you are planning to go out shopping, make sure you eat a proper meal before hand. This helps you keep a clear head and reduce impulse buying, by not buying things that you are craving because you are hungry.

6. Have you checked circulars, newspapers or the Internet for coupons for the products that are on your list? This can be dangerous because you might also be tempted to buy additional items that you do not really need.

7. Before you head out decide if you want to go to one store or more than one store. While you can save money by going to additional stores, I would not recommend it. First the additional money and time that you spend traveling could negate any savings that you get. Second it adds a lot of complexity to a task that should be done as simply as possible.

About the author:

John MacKenzie is the assistant director of ADD Classes. He also writes a blog titled Adult ADD and Money

Written by: John MacKenzie

A Brief Guide When Shopping For Personal Loans

2009-10-10T12:49:00.003-07:00

Sometimes you need extra money for unexpected expenses like car repairs, unexpected bills, health expenses, school expenses, or a myriad of other reasons. Where do you go to get money for these unplanned expenses? Personal loans are available from many different companies and lenders for consumers today whether you have good or bad credit.

Your first place to try to get a personal loan is from a bank or credit union. Many times, they can offer you a loan based on your credit record. Personal loans from a bank or credit union usually do not have collateral attached to them and they are loans based on your name and credit record. Banks and credit unions are a great place to go for a personal loan if you have comparatively good credit.

Another place that you can get a personal loan is from a personal loan company. There are many of these places that will give you a loan. They usually need you to list some sort of collateral, but if you have a job and a consistent home, then they will normally approve you. This is a good option if you cannot get a loan at a bank or credit union but you need to be a smart consumer and ask questions before signing any loan papers. You need to know the interest rate, the length of the loan, and the monthly or weekly payment amount. Make sure that you can meet the requirements of the loan or you will end up in a worsened financial situation.

There are other options available if the above two choice do not work out. You can take items from your home to a pawnshop to get a loan. This will be a higher interest rate, but if you do not have any other options, this is a good choice. A car title loan is an option, but you need to keep in mind that you will lose your car if you do not make timely payments. A payday loan company is also an option but you need to be sure that you understand the terms of the loan. You need to understand the terms of any loan that you take out to make sure that you can make the payments and pay the loan off. Some of these options are a last resort, but if you need the money for a necessity, it may be your only choice. Just be sure that you go into the loan process knowledgeable about the details of the loan.

There are times in your life that you will need extra money for unexpected or unplanned expenses. It is always best to plan ahead and have a savings account for these expenses, but sometimes it is just not possible. If you do not have any other options, then you may have to take out a loan to cover these expenses. Getting a personal loan can be stressful and difficult at times, but if you do your research and know what you are getting into, then you are sure to be satisfied with the result!
About the Author

You may freely redistribute this article on your website providing no alterations are made to the text and the links remains intact.

For Uk securerd personal loans Please visit us at http://www.4a-loan.co.uk

Written by: Paul Heath

Bad Credit? With Poor Credit You Can Still Refinance Or Get A Home Equity Line Of Credit

2009-10-10T12:49:00.001-07:00

Have you decided to refinance your home or apply for a home equity line of credit but worry about your credit rating? Even with poor credit it is possible to refinance your existing mortgage or obtain a home equity line of credit. New practices in the lending industry have made it easier than ever for you to refinance your mortgage or get a home equity line of credit. If you have adverse credit, specialized lenders can help you find the loan package your need with an interest rate you can afford.

Refinancing your home loan can allow you to make improvements to your home or consolidate debts. Some lenders offer loans up to 125% of your home's value even if you have less than perfect credit. Your current mortgage terms and interest rate, the length of time you intend to stay in your home, and the level of debt your currently have are all factors to be considered in making the decision to refinance your mortgage. If you have equity in your home, you will often receive a lower interest rate than those with little or no equity.

Home equity lines of credit are revolving accounts with your home serving as security for the loan. When you get a home equity line of credit you are approved for a certain amount of credit. The maximum amount you can borrow at a given time will depend on your credit limit. Typically, a home equity line of credit will have a variable rate of interest although some lenders may offer a fixed rate as well. You will have an amount you can borrow at any given time and you may not borrow more until a certain amount is repaid. Often you will have specific times as to when you may borrow money from your available credit limit.

Obtaining a home equity line of credit is can be the perfect solution for people with remodeling goals, children to put through college, or the need for access to extra cash in the event of an emergency or unexpected financial situation. You can use the money for any purpose and gain peace of mind in knowing you are prepared for whatever life brings you.

Refinancing your mortgage or getting a home equity line of credit has been the answer for millions of people looking to realize their financial goals. Even if your have bad credit there are loans and lenders who specialize in helping finance people with poor credit. They can help you reach your individual objectives.

To view our list of recommended bad credit or sub-prime mortgage lenders, visit this page: Recommended Bad Credit Mortgage Lenders.

About the Author

Carrie Reeder is the owner of ABC Loan Guide. ABC Loan guide is an informational website about various types of loans. The site has informative articles and the latest finance news.

Written by: Carrie Reeder

Bad Credit Refinance Loans - Finding a Good Lender

2009-10-10T12:47:00.000-07:00

Finding a good lender to help you with refinancing your home loan can be tricky if you have bad credit. There are plenty of predatory lenders out there who would like to take advantage of you with excessively high interest rates and fees. The key to finding a good lender is to know what are reasonable terms and to compare lending companies.

Look At Your Credit Record

Credit records are not perfect accounts. Before you apply to refinance your loan, you should check to see that all your information is correct. If you believe there is a false record, resolve it with the credit reporting company.

You also want to know what your credit score is. The lower the score the higher rate you will have to pay, but at least you will have an idea of what to expect from a lender. Paying three to five additional points is common for people with bad credit history.

Compare Lenders

Lenders offer different rates for the same type of loan, so shop around. The easiest way to compare quotes is to use an online website. By entering your information online, companies compete for your loan, offering you better rates. The internet also allows you to compare mortgage lenders outside your local area, possibly finding a better deal.

Once you receive offers, compare the rates and fees. Often the fees are where lenders make their money. Adding up the interest and fees, and comparing that figure will give you the true cost of the loan.

Look For A Good Deal

Mortgage lenders increase their profits by pushing loans with high interest rates and points. Some lenders will push these types of loans even if they aren’t best for you, so beware of fast-talking dealers. Be sure to read the terms and look for hidden fees before you sign the paperwork.

Online mortgage companies eliminate some of this risk by requiring mortgage lenders to state their terms online. Online quotes are also more competitive since lenders know you are probably shopping around to refinance your loan. Once you have an offer, print out the terms for your records.

To view our list of recommended bad credit or subprime mortgage lenders online,
visit this page:
Recommended
Bad Credit Home Mortgage Lenders Online.

About the Author

Carrie Reeder is the owner of ABC Loan
Guide, an informational website with articles and the latest news about
various types of loans.

Written by: Carrie Reeder

Baby Travel Systems

2009-10-08T12:17:00.005-07:00

Baby travel systems

Baby travel systems are the best value for your money. These systems are really wonderful. They come with many different features but all include a car seat and stroller. The car seat normally attaches to a base that stays in the car. The car seat also attaches to the stroller. The car seats are easy to attach with a one hand latch that most systems today.

There are many brand names out there that offer quality and durability in the baby travel systems line. Some of the names you will hear are Cosco, Eddie Bauer, Graco, Evenflo, among many others.

Cosco’s baby travel systems have wonderful features that include a car seat which is also the infant carrier and the stroller. The stroller is equipped with an infinite position reclining seat, a three point harness system, front wheel suspension, front reflectors, a large basket under the seat, a snack tray for your baby, and a parent tray on the handle. The car seat features include a washable and removable padded fabric pad, and a 5 point harness safety belt. This stroller is easy to fold up and put away with a one hand motion.

Eddie Bauer baby travel systems are lightweight and easy to maneuver. Other wonderful features include a multi-position reclining seat, child and parent snack tray, and the 5 point harness system. Eddie Bauer has more than one style you can choose from all with different features that you are sure to love.

Graco baby travel systems are designed for infants up to age 3. This system has great suspension to give your baby a smooth ride, a child’s tray, a parent tray with a temperature gauge and clock included, and other unique features. The AutoBaby car seat locks simply onto the stroller and the SafetyBase very easily with just one hand. This system is convenient and economical.

An Evenflo baby travel system has many different designs to choose from, all with some great features that you should check out. The large canopy will protect you little one from all types of weather and this system can be pushed using one hand.

As you shop for you baby travel systems check out all the new features and options available today. You will enjoy having a travel system that will save you time and money.

About the Author

Serenity is an author at Baby">http://www.baby-strollers-guide.com">Baby Strollers Guide
Serenity, a mother herself, has years of experience with baby products

Written by: Serenity

Astral Travel

2009-10-08T12:17:00.003-07:00

ASTRAL TRAVEL: - Why would I put something so natural and real in a mystery segment? Although everyone travels astrally few are conscious of where they go or what happens when they are asleep. The waking consciousness seems a jealous protector of its domain and wishes to give little credit to our dream state. Yet, there are systems of belief that know what our soul learns in sleep to be as important as when we are awake.

Conscious dreaming may have an element of positive thinking and visualization or prayer (wishful thinking) that pure astral travel does not. Some purists will say that OOBEs or 'Out of Body Experiences' are the only astral events. It is possible for others to take you with them on their 'travels' and the adept I mentioned in relation to the mountain-climbing Sutra did that with me. I met Blue Harary at the Psychical Research Foundation in Durham North Carolina many years before he wrote his book on the subject. He had a black cat in his room when I saw him doing his research with them. I have found this helpful myself. Whether that is a 'familiar' or a guide and sometimes even known as an ally is also just words. What might work is what should matter.

As part of the process to conscious dreaming and decreeing it is good to think of everything you did during the day before you go to sleep. As you do this you should think of what you would like to change or do better if the chance occurs (it usually will). In this re-evaluation we learn a lot and re-structure the experiences into new approaches. Then you should think about what you hope to do in the next day as you begin to sleep. No better visualization might come your way, if you are honest with yourself and your soul is close enough to make your ego and worries seem as important as they really are (not very important at all). When this routine is comfortable and you are able to command yourself (More importantly your SELF) and your mind to behave with a smile when the formerly frustrating things you used to react towards; you will begin the process of trusting your soul and dream state. Do not fear anything because you are on the path to greater goodness (if you have really given your ego a break and trust your purposeful soul 'within').

There is much in the self-improvement or human potential movement that comes from Yoga. Yoga is properly translated as 'union' despite what the Catholic Encyclopedia says about it being 'yoke'. The astral or spiritual world of Yoga is not prone to religious or ecclesiastical process and enables a person to 'Follow their Bliss'. This is the essence of all science of the soul work which Jesus and Yogananda are great teachers of when not interpreted by control freaks and power-mongerers who seek to put words in their mouths.

About the Author

This is from my Encyclopedia which can be found at World-Mysteries.com
Columnist at The ES Press Magazine
Author of Diverse Druids

Written by: Robert Bruce Baird

Assorted Tips For Business Travelers

2009-10-08T12:16:00.002-07:00

Our web community of business flight attendants is always thinking of ways to make traveling easier. You have to when your job takes you away from home base for several weeks at a time! The following tips are for business as well as leisure travelers.

1. Ring Around the Collar Dirty neck rings around shirt or blouse collars can be removed by putting shampoo on them. Rub the shampoo in as if you were washing your hair. Shampoo is specifically made to remove body oils the "ingredient" of neck rings.

2. Removing Gum You can pick up just about anything on the soles of your shoes. Removing gum can seem like one of the most difficult things to do. The solution? Rub ice on the gum to harden it and then use a dull knife to remove the gum. The gum will come right off without damaging your soles.

3. Killing Flies Are there flying insects in your hotel room? Hair spray will kill flies and most other insects.

4. Drying Out Wet Magazines or Books Place paper towels on both sides of a wet page to absorb the moisture and prevent wrinkling.

5. Lingering Onion or Fish Smells on Hands Can't get rid of onion or fish smells on your hands? Wet them, sprinkle them generously with salt, and rinse.

About the author:

Copyright 2005 -- Matthew Keegan is The Article Writer who writes on a variety of topics including: advocacy, automobiles, aviation, business, Christian themes, family, news, product reviews, travel, writing, and more. Samples from his portfolio are available right online.

Written by: Matthew C. Keegan

22 Questions to Ask Before You Use Any Shopping Cart System

2009-10-08T12:16:00.001-07:00

Competency: Sales and Marketing Many seasoned professional speakers agree that you can make more money selling your knowledge in the form of products than you can speaking.

You can use traditional methods to sell products such as direct mail, catalogs and advertising. However, if you have a great online presence, the entire world is your marketplace at a fraction of the cost of most traditional methods. To easily sell to this worldwide marketplace, you need a great shopping cart system.

Choosing a shopping cart system is perhaps the most important single decision you'll make in your online marketing career.

This is because:

You're stuck with the decision for a long time.

If you buy into a system that isn't adequate, it can cost you money--big money- because it won't maximize the amount of money spent by each visitor.

There are hundreds, maybe thousands, of off-the-shelf, free and alternative products out there vying for your money, time or both. And most of them are junk.

Don't suffer like I did I learned the hard way. When I started on the Internet I couldn't find a decent shopping cart program, so I took one that was highly recommended by my ISP (I now know the only reason they suggested it was because it made them the most money. They didn't care if it was the best one for me or not). What a headache! The system wouldn't do anything but take the order, but you had to have a PhD in computer science to work on it.

Here are 21 questions you absolutely, unfailingly must ask anyone trying to sell you a shopping cart. If you don't hear positive answers to the majority of these questions, put your wallet back into your pocket and evaluate the next option. Don't get stuck with a crappy shopping cart, even if they give it to you free.

If you have a poor shopping cart, get rid of it. I know that hurts, because you may have spent lots of time and money getting it going, but a bad one will cost you many thousands of dollars by waiting to replace it later rather than sooner.

Oh, and one more thing: if you hear the shopping cart programmer answer one of the questions below by saying, "Well, we could make it do that," run away even faster, because you're going to get stuck with a big custom programming bill with no guarantees that the cart is going to work the way you expected.

Every question below is very important when it comes to having a quality shopping cart system that gets more money out of the same number of visitors.

1. Will it calculate shipping and tax?

2. Does it handle specialized shipping like FedEx and UPS?

3. Will it automatically deliver hard goods and soft goods (e- books and other digital products) in the same transaction?

4. Does it offer customizable "Return to Shopping" pages without needing custom programming? This is important so you can send your customers to the most likely product they will buy next. Standard carts just send customers back to the main catalog, which forces them to search for related products. This is both irritating and time-consuming. Any delays in finding what they want could mean a lost sale, when they finally throw their hands up in disgust and move on to your competitor's site.

5. Does it offer customizable "Thank You" pages based on what the customer just bought? These are pages where savvy marketers put affiliate links and other offers specifically related to the customer's interests. When a customer clicks on one of these links and buys something from someone else, you get a commission.

6. Does it deliver receipt and confirmation e-mails automatically? The customer wants to know immediately that the order went through. If he or she is unsure, you are going to have to field many wasted e-mails and phone calls letting the customer know everything is OK.

7. Does it allow multiple order and dropship e-mails? In many cases, several different people in your organization and/or outside your organization need notice of an order. Again, you don't want to have to do this manually.

8. Does it have a Web-based administration page so you can work on your cart from any computer that has Internet access?

9. Does it include encryption technology and a secure server? Many companies make a fortune by sucking you in with a cheap or free cart and then make money on selling you an overpriced secure server.

10. Does it deliver easy output to your accounting software? You want to be able to import and export data easily between the cart and whatever programs you have that need to share the customer and sales information.

11. Does it have its own associate/affiliate program or is it easily compatible with other major brands of associate software? An affiliate program lets other people promote and sell your products on their Web sites. You don't pay them unless they sell something. When I tried to get an associate/affiliate program to work with my old cart, it cost me six months of down time and untold amounts of money lost because it wouldn't work. The associate program people blamed the shopping cart people and vice versa. But ultimately I was left holding the bag.

12. Does it have integrated up-sell modules? The ability to offer more related products to customers making a purchase makes me a small fortune each month. We call it, "Do you want fries with that?" If you don't have this ability, you are leaving many thousands of dollars on the table from people who would have spent more if your cart just gave them the chance.

13. Does it have an integrated sales and prospect database? In the old days I would have to print out orders and then retype them into ACT or some other database program. A good shopping cart system eliminates all this hassle and potential for error and gives you instant access to your sales reports and clients.

14. Does it have broadcast e-mail capability? Good shopping cart systems are able to manipulate your customer database instantly and send e-mails to any segment or sub-segment of your clients and handle unlimited e-mail magazines. Again, in the old days I would have to be genius enough to pick out segments of the database, export them to a file, import them into a mail program and then an hour later send the darn e-mail. Now this is all done in a few seconds.

15. Does it have mail merge capability? The e-mails sent are personalized to the recipients in any number of ways. Their names can be popped in to the subject line and in various portions of the body of the e-mail. You can merge "what they bought," "when they bought," "where they live" or just about anything that will make them feel the e-mail was just for them. Virtually all studies show that mail merge gets a much higher response than plain broadcast e-mail.

16. Can it handle coupons and other discounts? You can make a deal with Joe Blow that everyone coming from his Web site gets an automatic discount -- either a percentage or dollar amount. This makes Joe look great to his visitors and makes more sales for you. Here's a secret: Joe is your affiliate and makes money on the sale too, so he's got a great incentive to keep your discounts and coupons in front of his visitors. Good shopping cart systems can automate all of this and also handle any quantity discounts you offer.

17. Can it work for multiple Web sites with no extra fees? When I first started I had to get a separate (and expensive) license for each site and a separate merchant account too. Not only was this a great deal of expense, the hassle with installation every time you wanted a new site to go up was enormous. Modern carts can sell bras on one site and bibles on another, and no one knows the difference. The carts run on their own servers so there is no expensive installation and set-up is immediate.

18. Does it have unlimited and fully integrated "sequential" autoresponders? This is one of the most powerful features when it comes to Internet marketing. This feature follows up automatically over and over again to your clients and prospects to provide them customer care and to sell them more products and services. You can even provide free or paid e-mail courses, and each part of the course is delivered automatically.

19. Does it have ad tracking tied into actual sales? Simple ad tracking can be had all over the 'Net, but it is pretty much worthless unless it is tied to actual sales. This is called the "conversion ratio." Your cart system should be able to tell you how many people clicked on a particular promotion and how many people bought. This is the only way you can determine if an ad paid off. Good carts will also automatically split test one of your sales pages against another and tell you which page sells more. You keep the page that sells more and get rid of the page that sells less.

20. Does it have a pop-up box builder? Even though many people hate popup boxes, they work. I use them judiciously to make all kinds of offers, and I have the sales figures to prove they get more money out of the same number of people. If you know how to use them properly, no one gets upset.

21. Does it have a printable off-line order form? Believe it or not, many people are still afraid to put their credit card numbers into a Web site. I still get lots of fax orders and phone orders. If you want to maximize your sales, your cart must take these kinds of orders easily.

22. Does it provide free training? You'll need training in both the basic set up of using your shopping cart and determining your online sales strategy, so that you maximize the amount of money spent by each customer.

You may not understand what all the above questions mean right now, but I can assure you they are important in putting more money into your bank account. If you want to know even more about this subject, you can download a free e-book, How to Pick a Shopping Cart System That Makes You Money at www.public- speaking.org/ebook.htm.

What shopping cart system do I use? I have my own private label called www.KickStartCart.com.

www.netaim.info

About the Author

http://www.netaim.info/bios/tom.htm

Written by: Tom Antion

21 Questions to Ask Before You Buy Any Shopping Cart System

2009-10-08T12:15:00.003-07:00

21 Questions to Ask Before You Buy Any Shopping Cart System by
Tom Antion

Once you've decided which product your going to sell online, the
next most important decision you'll make is which shopping cart
system to buy. It is perhaps the most important single decision
you'll make in your online marketing career. This is because:

* You're sort of stuck with the decision for a long time.

* If you buy into a system that isn't adequate, it can cost you
money. BIG money.

* There are hundreds, maybe thousands, of off-the-shelf
alternative products out there vying for your money, time or
both.

* Even if you decide you've made a mistake, switching shopping
cart systems is really difficult.

I know. I learned the hard way. When I started in this business I
couldn't find a decent shopping cart program so I rolled my own.
What a headache. In the process of living with that monstrosity
- - and shopping for a suitable replacement -- over the last
couple of years, I've come up with something I think you'll find
useful.

Here are 21 questions you absolutely, unfailingly MUST ask anyone
trying to sell you a shopping cart, custom or otherwise. If you
don't hear good positive answers to the vast majority of these
questions, put your wallet back into your pocket and move to the
next choice. Don't get stuck with a crappy shopping cart. (If you
want to know even more about this subject, you can download a
free eBook "How to Pick a Shopping Cart System That Makes You
Money," from my site at http://www.public-speaking.org/ebook.htm
You can even redistribute that book to others if you want to
share these insights!)

1. Will it calculate shipping & tax?

2. Does it handle specialized shipping like FedEx and UPS?

3. Will it deliver hard goods and soft goods (digital products
like ebooks & in the same transaction?

4. Does it offer customizable "Return to Shopping" pages without
needing custom programming?

5. Does it allow you to make special offers?

6. Does it deliver receipt and confirmation emails?

7. Does it allow multiple order and dropship emails?

8. Does it have a Web-Based administration page?

9. Does it use encryption technology?

10. Does it deliver easy output to your accounting software?

11. Does it have its own associate program or is it easily
compatible with other major brands of associate software?

12. Does it have integrated upsell modules?

13. Does it have an integrated sales and prospect database?

14. Does it have broadcast email capability?

15. Does it have mail merge capability?

16. Can it handle coupons and other discounts?

17. Can it work for multiple websites with no extra fees?

18. Does it have unlimited and fully integrated autoresponders?

19. Does it have ad tracking tied into actual sales?

20. Does it have a pop-up box builder?

21. Does it have a printable off-line order form?

============================================
Tom Antion is an Internet Marketing expert who really makes money
on the Internet . . . he's not giving a book report. Tom is the
founder of the infamous "ButtCamp" seminars where you learn to
make money sitting at home on your rear end. Contact him at
mailto:tom@antion.com or visit http://www.antion.com or
http://www.GreatInternetMarketing.com

About the Author

Tom Antion is an Internet Marketing expert who really makes money
on the Internet . . . he's not giving a book report. Tom is the
founder of the infamous "ButtCamp" seminars where you learn to
make money sitting at home on your rear end. Contact him at
mailto:tom@antion.com or visit http://www.antion.com or
http://www.GreatInternetMarketing.com

Written by: Tom Antion

10 Ways To Protect Your Financial Identity Being Used For Someone Else’s Shopping Spree

2009-10-08T12:15:00.001-07:00

Someone impersonating you could be spending your hard-earned money.

Impossible! Not really, check, loan, and identity fraud are a real problem. In 2002, the federal trade commission estimated that identity fraud affected and estimated 3.3 million Americans; costing consumers $3.8 billion and business $32.9 billion.

Here are 10 ways to protect yourself from having your financial identity used for someone else’s shopping spree:

1. Order your credit report once a year from each of the three credit bureaus to make sure that you are familiar with all of the reported transactions and that there isn't any unusual activity. Call (888) 5OPT-OUT to request to have your name removed from their marketing lists.

2. Cancel all unused credit card accounts, and make sure to keep a copy of your credit cards and the toll free contact numbers so you can report the card number immediately if it is lost or stolen.

3. Don't carry extra credit cards, your social security card or passports in the same wallet except when completely unavoidable.

4. Install a locked mailbox at your office or home to keep people from snatching your mail. Don't drop paid bills in the mailbox; take them to the post office to be mailed.

5. Ask your bank about its privacy policies and information practices. Find out the circumstances under which your bank would provide your account information to a third party.

6. Always save your credit card receipts to match against your monthly statement. Keep track of when your cards expire to make sure your new card arrives in the mail.

7. Never have your social Security number printed on your checks. Never put your account information on the outside of an envelope or on a postcard. Give your Social Security number only when absolutely necessary. Ask if you can use another type of identifying number whenever possible.

8. Review your phone bills and cellular phone bills each moth for any unauthorized use. And compare your ATM receipts and cashed checks with your periodic bank statements to check for unauthorized transfers or charges.

9. When filling out a loan or credit application, ask how the company disposes of them. When you receive one of those pre approved credit card offers in the mail make sure to cut it in small pieces before throwing it away.

10. When creating passwords or Personal Identification Numbers (PIN) choose something different from your address, telephone number, middle name, the last four digits of your Social Security number, your birth date or any other information that could be easily discovered by thieves.

Bonus- Always write checks using a fine point permanent marker and put a line before the written amount so that no one can add something in once you’ve written the check.

Resources:

Credit reporting bureaus:

Eqifax- P.O. Box 740241 Atlanta GA 30374-0241.

To report fraud 800-525-6285

To order a credit report 800-685-1111

To opt out of pre-approved credit offers 888-567-8688

Experian- P.O. Box 2104 Allen TX 75013-2104

To report fraud or to order a credit report 888-397-3742.

To opt out of pre-approved credit offers 888-567-8688

Trans Union- P.O. Box 390 Springfield PA 19064-0390.

To report fraud 800-680-7289.

To order a credit report 800-888-4213

To opt out of pre-approved credit offers 888-567-8688

Check verification companies: To verify if there are any activities on your account from fraud contact these verification companies.

CheckRite- 800-766-2748

Chexsystems- 800-428-9623

National Processing Co. -800-526-5380

Telecheck- 800-710-9898

Social Security Administration-

To report fraud 800-269-0271

To order your earnings and benefits statement

800-772-1213

©BZ Riger-Hull. www.in-spiros.com. For valuable free articles, assessments, & practical success tools mailto:A1@smartautoresponder.com Certified as a Success Coach, “Four Agreements” Facilitator, & Tele-Course leader We help you communicate powerfully, reduce stress, Strategically Attract success, & increase your financial well-being.

bz@in-spiros.com

Written by: BZ Riger-Hull

Bad Credit Refinance 101: The Hows and The Whats

2009-10-08T12:14:00.002-07:00

If you are like every other home owner or general consumer out there, you need to pay for your expenses somehow. If you have bad credit, you might be limited in your options as to what you can do (or so you think…keep reading!). This can be especially annoying to homeowners who want to refinance their mortgages to take advantage of low interest rates but have had a few debt defaults in recent years. The story is always the same: you see these low 5% interest rates advertised on TV and you know that you deserve to refinance your home loan with this low interest rate. However, once you call, you find out that in fact you can refinance your mortgage, but it will cost you a lot more than you think. "What?" you think to yourself… "Why does it cost more for me to refinance my mortgage than I thought it would?" The reason is simple: bad credit. Refinancing with bad credit can be difficult. You might have filed for bankruptcy or racked up a whole bunch of debt which you just couldn't pay off. Debt defaults take a long time to get off your credit report (if they ever come off!) and they can affect every lender to whom you owe money.

This is because these days, lenders are very clued in to borrowers credit scores and credit history. All your credit information is stored in a giant database somewhere and if your credit is bad for some reason, it's going to show up on a mortgage refinancing report. And banks probably don't mind seeing a few defaults and bad credit accounts here and there. More fees for them! Your bank might like to see one of their client's earmarked as 'bad credit'…they can raise your interest rate and you can't do anything about it.

These days, having bad credit isn't necessarily as bad as it should be. This is because banks are business entities too. Banks borrow money just like people do. In times of relatively low interest rates, banks need to make money by originating loans. And, a lot of new 'subprime' lenders have opened up shop in recent years and are specifically in the business of lending to people with bad credit. They are looking to refinance bad credit accounts like yours and collect massive fees on the backend.

Many people with bad credit history look to take out loans from friends and family. While this may be a fairly good short term solution, it might not be the smartest of long term business moves. What you need to do is refinance your mortgage and lower your payment. The best thing you can do for yourself is to shop around. I'd be willing to bet that some banks will give you a better deal on a mortgage refinancing than you think they would. Find out who's got the best rate to get the best deal on your loan. This might take a little legwork, but it could pay off. Finding that right bank to give you the right deal on your refinancing will be worth the effort.

Mortgage can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. I have friends that are in their 70s and still paying off their home loans. It'll pay off in the long run to make sure you find the best deal possible. Don't let bad credit stop you from refinancing your home.

About the Author

Richard Martin is a contributing writer at http://www.LegalClips.com. LegalClips.com has Vioxx and injury lawyer articles.

Written by: Richard Martin

Bad Credit Mortgage Refinancing - Refinance High Interest Mortgage With Poor Credit

2009-10-08T12:14:00.001-07:00

With bad credit, you can't afford not to refinance a high interest mortgage. Working with the right lender, you can trim your loan costs and help your monthly budget. You even have the option to cash out part or all of your equity to pay off high interest credit card debt. Subprime lenders can help you secure financing and reestablish your credit.

Ways To Reduce Your Rates

Even with poor credit, you can lower rates on a future refi loan. Adjustable rate mortgages offer lower initial rates than fixed rate mortgages. Often for two to seven years, rates can be guaranteed. After that, rates are based on an index fund, so they may increase. But with most lenders you can either lock in rates earlier or refinance.

Some lenders will also further reduce your rates if you opt for automatic payment. Your monthly mortgage payment is deducted from your checking account, so you don't worry about getting a payment in the mail.

The surest way to find low rates is to compare loan quotes. Each lender will offer you a different loan package with varying rates and fees. Base your loan decision on who can offer you the best overall financing. If you plan to keep your loan for seven years or more, consider paying a point or more to reduce your rate even more.

Kinds Of Rates To Expect

The best credit scores, 650 or higher, are eligible for market loan rates. Every 50 point drop, on average, adds a point or two to that loan rate. Closing fees are comparable to a conventional rate mortgage. A bonus with subprime lending is that you don't have to pay for private mortgage insurance.

Where To Find Subprime Lenders

Most financing companies now offer subprime financing to those with adverse credit. You can start your loan search with a mortgage broker. Simply mark that you have poor credit on your loan estimate form, and they will connect you to several competitive lenders.

Another option is to go directly to the lender sites. Either check their market rates on the homepage or request a quote. Make sure that you also note closing costs and fees. You don't want to get caught on early payment fees either.

About the author:

View our recommended Bad Credit Mortgage Refinance lenders or view all of our Recommended Refinance Lenders.

Written by: Carrie Reeder

Bad Credit Mortgage Refinance - Should I, Shouldn't I?

2009-10-08T12:13:00.002-07:00

It is a common financial scenario across households in the Western world. Multiple debts have started to build up: a car loan here, a department store loan there; a bank loan here and several credit cards there. While all may have seemed manageable on the optimistic day you took them out, or spent on them, suddenly you realise that you cannot keep up with the monthly payments. You miss out on a payment or two, and suddenly you have a bad credit record. A few more missed payments and you start to feel the pressure, so start thinking about refinance.

The silly thing is, in asset terms you are not poor. You have a home of your own; it is mortgaged, but you have plenty of equity. Now wouldn't it be great if you could get a new loan to consolidate those monthly payments and get your finances back in order? Well, maybe, you think, but can you get bad credit mortgage refinance?

What To Consider Before Seeking Bad Credit Mortgage Refinance

Any mortgage refinance package is not something to be taken lightly, nor without careful thought about the costs, consequences, and whether or not it is really necessary. What, then, do you need to consider before refinancing your debts through unlocking the equity in your home?

1. First of all, you need to make sure it is really necessary. You should take a long hard look at your outstanding debts. List them out, total the amounts owed, total the monthly payments, and total the amount in arrears. Your cheapest and simplest way out will be to put your current financial house in order without resorting to new, and possibly expensive, borrowing.

a. Look at some ways to clear those overdue amounts. By taking a critical eye to your home budget, your expenditure, see if there are any regular expenses that can be cut out or reduced. If so, take the necessary action and make sure that money goes towards reducing at least one of the outstanding debts where some amount is overdue. If you have several overdue debt repayments, and it will take a few months to clear the outstanding amounts with your newly released funds, write to the credit companies concerned and tell them what steps you are taking to pay off the over due amount. That may take the pressure off you a bit while you get things in order again.

b. Seriously consider how you can make some extra money. Will a few weeks' overtime, if available, help you clear the over due debts and allow you to get your finances in order again? Could you use one of your skills to earn some extra money part time? Remember, if you take no action at all, your financial situation will deteriorate. If it is possible to take some action that will eliminate your overdue debts without resorting to bad credit refinance, then the chances are it is worth doing.

c. Have a look around the house. Do you have any things you do not use, but are worth selling to clear some of those overdue payments? Do you have some old shares that you could sell, or an old savings account, with a healthy balance in, you've not touched for years.

2. You need to consider the other alternatives to bad credit mortgage refinance, especially a debt consolidation loan. Look around and get a few quotes for consolidation loans, ready to compare the results with a bad credit mortgage refinance option. Remember to make a note of the costs of each of the loan options, as this may affect your decision.

3. You have now looked at the possibilities of paying off your debts without resorting to a new loan or refinancing. If that came up blank, or insufficient, then now is the time to consider mortgage refinancing. Again, you need to shop around and get more than one quote. With a bad credit record, some lenders may try to get more money out of you than than is really justified. You have the right to get the best deal possible. Look very closely at the charges of the lender and broker, if there is one, and record them, ready to use them in your calculations to decide what option to take.

4. The final stage is to make a comparison between using bad credit mortgage refinance and using a debt consolidation loan. Really, you need to do this over the full term of the mortgage. What you will actually be comparing is:

The mortgage refinance costs, interest rates and repayments based on the the best quote you have had,

with

Your current mortgage plus the costs of the consolidation loan. This is important, as the bad credit mortgage refinance loan may be at a higher interest rate than your existing mortgage. If you are not good with figures (many people are not so don't feel bad about it!), ask a friend who is to help you out, or if you can get free counseling from someone who can help you make the choice.

Once you write down all the figures, the choice will probably be clear. Remember, however, that with the option of keeping your existing mortgage and having a separate debt consolidation loan, once that consolidation loan is at the end of it's term, say 5 years, you will no longer have any repayments. That is why it is important to look at the whole mortgage period to make a comparison.

About the Author

This bad credit mortgage article was written by Roy Thomsitt, owner author of the website http://www.eliminate-credit-card-debt-now.com>http://www.eliminate-credit-card-debt-now.com

Written by: Roy Thomsitt

Computer Consulting Profit Secrets

2009-10-08T12:13:00.001-07:00

Do you own or manage a computer consulting company? Are you having trouble growing your computer consulting company’s profits?

If so, then you must learn how to focus on your computer consulting firm’s profit and bottom line.

In this article, we’ll look at 7 profit secrets and strategies you can use in your computer consulting business, to ensure that you are able to balance your clients’ small business IT needs against your own computer consulting company’s profitability challenges.

Origins of the Problem

While focusing on your computer consulting profits may sound simple enough at first glance, this business-focused discipline often eludes many a computer consulting firm.

This usually happens because many computer consulting business owners fall in love the technology gadgetry, and get seduced by seemingly attractive reseller channel programs, at the expense of their business’ profit.

At the end of the day however, your computer consulting company is a business... not a charity and not a hobby. And your computer consulting company must be run like a business.

Profit Secret #1: Show motivation with your small business computer consulting clients.
To avoid being labeled as just another clueless geek, you need to position your computer consulting services to be more in line with those of a virtual CIO for hire. So always be on the look out for new ways to enhance your clients' businesses... not just fix broken desktops and servers.

Profit Secret #2: Be dedicated to the task and relentless in your pursuit to improve the status quo.
Because it takes a lot of work to land the best computer consulting clients, you need to focus on lifetime customer value... not just one-shot-deal sales. So always remember that your proposed or recently implemented computer consulting technology solution isn't a one-shot deal. This kind of long-term vision and planning requires tremendous staying power and perseverance... which often escapes many computer consulting business owners.

Profit Secret #3: Don't be afraid to be creative with your client engagements.
Small business technology solutions often need to stay within relatively modest budgets. And your computer consulting solutions must work without the need for in-house IT staff. To satisfy these challenges, don't be afraid to think outside of the box when appropriate.

Profit Secret #4: Evaluate how your clients' systems, both paper- and computer-based, function today.
As part of your virtual CIO role, look at how these existing clients systems are meeting or not meeting present and future needs. Most of this work will be done during IT audits... another key computer consulting profit secret that can really help to separate you from the pack of mediocrity.

Profit Secret #5: Put yourself in your clients' shoes and think about what THEIR clients need from them.
Yes, as a computer consulting business owner, you need to have good people skills and a certain degree of empathy for your clients’ business problems. But an even more advanced computer consulting business owner doesn’t just stop at understanding their clients’ business problems. The virtual CIO really digs in and learns about their clients’ customers’ business problems... one layer down on the value chain.

Profit Secret #6: Keep up with advances and new versions.
As virtual CIO for your computer consulting clients, your clients depend on your firm to advise them on what tools can better help their businesses grow. So while you can’t allow this R&D and training to consume and devour all of your scarce weekly schedule, you do need to stay a few steps ahead of your clients’ IT needs at all times.

Profit Secret #7: Summarize and share that information with your clients.
The essence of your R&D and training should focus on one major objective: will this new platform or tool add value to your computer consulting clients’ existing or future installations? And how you can best summarize this information, in layperson language that non-technical clients can understand?

The Bottom Line
Your computer consulting firm’s needs to be your client’s virtual IT department can often be at odds with your computer consulting firm’s need to be profitable. A big part of this problem happens because computer consulting business owners fall in love with technology, at the expense of their marketing and sales activities.

To make sure you don’t fall into this same strap, which can kill your computer consulting profits, don't go overboard with your training and R&D activities. Be sure to keep business development activities in your weekly schedule... EVERY week. If you want to keep your computer consulting profits as healthy as possible, make sure that you’re proactive in your marketing and sales activities... dig the well for computer consulting profits BEFORE you’re thirsty. And a great way to start is by listening to the profit-generating secrets at http://www.computer-consulting-101.com

About the Author

Joshua Feinberg is a 15-year veteran of small business computer consulting and has appeared in CRN, VARBusiness, Microsoft Direct Access, TechRepublic, American Express OPEN, Entrepreneur, Inc, SCORE, Small Business Computing, and USA Today. To get immediate online access to Joshua’s free proven strategies for growing your company’s profits, sign up now for the free training at http://www.computer-consulting-101.com

Copyright MMI-MMV, Computer-Consulting-101.com, All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

About the Author

Joshua Feinberg is a 15-year veteran of small business computer consulting and has appeared in CRN, VARBusiness, Microsoft Direct Access, TechRepublic, American Express OPEN, Entrepreneur, Inc, SCORE, Small Business Computing, and USA Today. To get immediate online access to Joshua’s free proven strategies for growing your company’s profits, sign up now for the free training at http://www.computer-consulting-101.com

Written by: Joshua Feinberg

Computer Consulting 101 Hiring Tips (Part 1 of 2)

2009-10-08T12:12:00.002-07:00

Does your business need the services of a computer consulting firm? Before you rush out and hire the first techie or slick-salesperson that knocks on your door, be sure to consider these favorite Computer Consulting 101 hiring tips for screening and interviewing local computer consulting firms. In this first in a two-part series, we’ll look the root of the problem, as well as the four most basic criteria that you’ll need to ask about when searching for computer consulting vendors.

Computer Consulting 101 Preventative Medicine

Many small business owners have a tough time knowing how to deal with difficult computer consultants. However, if you're able to uncover potential problems at the start of your computer consultant/client relationship, you can avoid many of these unpleasant issues altogether.

Root of the Problem

While most entrepreneurs and small business managers know exactly what to ask when it comes to hiring for internal staff positions, hiring a computer consulting firm can be more difficult.

So on top of dealing with the myriad legal issues surrounding how you retain the services of contractors (best advice: consult with your attorney), as opposed to hiring employees on your payroll, you'll need to know how to ask the "right" questions. Don't make the ultra-common common mistake of focusing on the wrong things. Use these Computer Consulting 101 Hiring Tips as your checklist for doing your homework before you sign on the dotted line.

Part-time or Full-time Computer Consulting

Do you have a "day job"? Are you moonlighting?

Solo Practitioner or True Computer Consulting Business

What do you mean by the "we"? Are there any other people who work at your company?

Are they employees or contractors? What are their names, specialties and backgrounds? How long have they been with the company? Will they be involved with this account?
(Tip: The more pointed questions you ask, the more you’ll flush out the B.S. and hyperbole.)

Small Business or Large Company Computer Consulting Experience

What "size" is your typical consulting client, in terms of number of PCs, employees and annual revenue?

Generalist or Specialist Consulting Company

What industries or vertical markets have you worked with? And in what particular aspects and software applications?

What kinds of products, services, and platforms does your company shy away from? Do you work with any specialty hardware, software or services vendors?

The Bottom Line

In this first of a two-part series of these Computer Consulting 101 hiring tips, we looked at why small business owners and managers find that computer consulting companies are so difficult to hire, as well as four basic issues that you must confront when searching for a new computer consulting vendor. In the second installment of this two part series on Computer Consulting 101 hiring tips, we’ll look at how you can get your hands around the true costs of using a computer consulting firm, as well as how you can more objectively evaluate the computer consulting firm’s suitability for the task of servicing your company’s technology needs.

About the Author

Joshua Feinberg, co-founder of Computer Consulting 101, is a 15-year veteran of computer consulting and has appeared in CRN, VARBusiness, Microsoft Direct Access, TechRepublic, American Express OPEN Platinum Ventures, Entrepreneur, Inc, SCORE, Small Business Computing, and USA Today. To get Joshua’s proven sales and marketing strategies for growing your profits, sign up now for the free training at http://www.computer-consulting-101.com

Copyright MMI-MMV, Computer-Consulting-101.com, All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

About the Author

Joshua Feinberg, co-founder of Computer Consulting 101, is a 15-year veteran of computer consulting and has appeared in CRN, VARBusiness, Microsoft Direct Access, TechRepublic, American Express OPEN Platinum Ventures, Entrepreneur, Inc, SCORE, Small Business Computing, and USA Today. To get Joshua’s proven sales and marketing strategies for growing your profits, sign up now for the free training at http://www.computer-consulting-101.com

Written by: Joshua Feinberg

Computer Components for Idiots

2009-10-08T12:12:00.001-07:00

There are many fancy add-ons for computers, but the basic components of the computer are simple and universal. If 1 of these main components is missing, it's not a computer.

The 4 essentials of every computer system are: a motherboard, a Central Processing Unit (CPU), memory, and a hard drive. These components are installed in a case to which are attached a monitor, a keyboard and a mouse. That's your basic computer.

Mother WHAT?

The motherboard ("mobo" for short) is the foundation. Everything attaches to the mobo -- the CPU, memory, hard drive, monitor, mouse, keyboard, add-on cards, even additional peripherals like printers, scanners, and speakers. The motherboard is like the nervous system and skeleton of the human body -- it provides support for the internal components and also passes information between the computer parts.

CPU

If the motherboard is the nervous system, then the CPU is the brain. Most of the mathematical manipulations that make computers operate are done by the CPU. Other components may also have their own processors, but their results still have to be passed through the CPU.

The speed of the computer is usually measured by the speed of the CPU. Even though other factors also affect overall speed, the CPU rating is generally seen as the single most important measure of performance.

Modern CPUs are usually rated between 2.0 GHz and 3.0 GHz, although each passing month will see increasing performance. This measurement refer to the number of calculations the processor can make in 1 second. The higher the number, the faster (better) the computer.

CPUs generate a lot of heat doing this work, so they need a heat sink and fan to keep them from overheating. Heat is a major enemy of the computer and directly affects its life span.

Computer Memory

RAM (Random Access Memory) is the part of the computer that stores information the computer needs while it is operating. It is Random Access because the computer can get the data in any order, not necessarily the order in which it is stored. Generally speaking, the more RAM the better. 512 to 1024 megabytes is common for memory.

The most common type of RAM these days is DDR-SDRAM, which stands for double-data-rate synchronous dynamic random access memory. We already know what the RAM part means. DDR means that the data is accessed twice as fast as ordinary RAM.

The latest type of RAM is DDR2. It offers even faster access rates and is quickly becoming the standard for computer memory.

Hard Drive

All the data contained in RAM is lost when the computer is turned off, so there has to be a place to store it permanently. This is what the hard disk is for.

It holds the computer's operating system. An operating system like Windows uses around 4 gigabytes of hard drive space. The extra space is used to install computer programs and to store your personal data.

80 gigabyte hard drives are common, but 400 GB units are available. Furthermore, you can install more than 1 in a computer case for added security and convenience.

Peripherals

All you need to complete the basic computer system is a monitor, keyboard and mouse.

Accessories like a printer or scanner are useful for office work, and gamers will probably want to add speakers and joystick controls.

So there you have it. The basic computer needs just 7 major components. For the best performance, these components must integrate well. The motherboard is the most important component for determining the type and specification of the other parts. Choosing an appropriate mobo for your computer needs is the first step and may require a quick call to your local geek.

Soon YOU will be considered the local geek!
About the Author

Ron King is a full-time researcher, writer, and web developer. Visit http://www.build-computer-now.com to learn more about this fascinating subject.

Car Color Trivia

2009-10-08T12:11:00.001-07:00

REQUIREMENTS FOR REPRINT: You have permission to publish this article free of charge in your e-zine, newsletter, ebook, print publication or on your website ONLY if it remains unchanged and you include the copyright and author information (Resource Box) at the end. You may not use this article in any unsolicited commercial email (spam).

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Words: 349 Copyright: 2005 Marilyn Pokorney

Please leave the resource box intact with an active link, and send a courtesy copy of the publication in which the article appears to: marilynp@nctc.net ------------------------------------------------------------ The color of car a driver chooses reflects their personality and perhaps their favorite color. But the choice of color in a vehicle can be much more important as well.

According to a study by researchers at the University of Auckland in New Zealand silver cars are 50 percent less likely to be involved in a crash resulting in a serious injury as compared to white cars.

The least safe colors are brown, black, and green according to Reuters.

While, yellow, gray, red and blue cars ranked in the middle range.

According to optometrists, red is the most difficult to see color.

Red is the most controversial of colors. Many drivers claim that by driving a red car they get stopped less for speeding and have less accidents. On the other hand, red car drivers complain that because they drive red cars they are stopped more often for speeding and are moving targets for accidents.

White is actually the easiest color to care for. Half of the white car drivers claim that white cars don't look dirty as quick as colored cars, while the other half complain that they have to wash the car more often just to keep them looking clean.

Black, red and most other dark colors absorb more ultraviolet rays than light colored cars so they are more susceptible to sun damage.

At night white is the most visible and red is seen as black.

Owners of both red and black cars say the interior warms up faster than in other colored cars. This is due to the absorption of heat rays from the sun. Depending on season and locale this may be good or not so good.

Accident statistics show that gray cars are the most invisible in foggy conditions.

Lime yellow is best seen on cloudy days and in snowy winter conditions.

No matter what color the car is, keeping a car in excellent working order and keeping it clean are the most important for safety concerns.

For more info on how to protect the finish of your car visit:

http://www.apluswriting.net/gasmiles/5starshine.htm
About the Author

Author: Marilyn Pokorney Freelance writer of science, nature, animals and the environment. Also loves crafts, gardening, and reading. Website: http://www.apluswriting.net

Written by: Marilyn Pokorney

Car Buying Scams

2009-10-08T12:10:00.001-07:00

Purchasing a new automobile is hard enough without having to deal with the sales pressure from a car salesman. It’s no big secret that almost every car dealership can be talked down on the initial price they want for a car. The key is to know what scams to watch out for in order to maximize your hard earned dollar. This article details a few sales tactics that you may want to be on the lookout for the next time you purchase a new automobile.

The first money wasting scam deals with etching the vehicle’s VIN# on the window. In some cases a dealership will try to make you pay for this added feature. Please don’t fall for this trick. No lender will require you to pay for any extra options that you don’t require. To be honest all they really care about is whether or not your payments are on time.

Be on the look out for the phrase “subject to loan approval”. Almost every car loan will have this phrase in it and trust me when I say that some dealerships will try and exploit you out of more money using this phrase as the reason why. This scam is usually pulled on consumers that may have bad credit so if your credit score is good you shouldn’t have to worry about being taken advantage of by the dealership. The bad news is for those that are taken advantage of it usually means upwards of $1000 more in finance fees and an additional $50 a month added to your car payment. One way to avoid this scam is to finance the car through your own bank or credit union.

The most abused scam is the credit score scam. This is where the car dealership tells you that your credit score is lower then what it actually is in order to charge you a higher finance rate on your car loan. No one is immune to this scam because the dealership doesn’t care if you have good or bad credit when they attempt to con you. The best way to deal with this greediness is to bring a copy of your credit score with you when you go looking to buy a new car. That way there is no confusion as to what your credit score truly is.

Another favorite scam is the forced warranty scam where the auto dealership will insist that in order to qualify for the car loan you will need to purchase a $2000 2 or 3 year warranty. The bottom line upfront is that it’s hogwash and you don’t need the warranty.

Here’s a good scam that I’m sure you’ve seen often. It’s called the dealer prep scam. Yes that’s right I’m talking about that extra $500 that seems to appear on your contract to compensate the dealer for basically doing nothing since the car arrives in the dealership ready to be driven off the car lot to a prospective buyer. Try an avoid paying this if you can otherwise find a dealer that will knock this ridiculous charge off of the contract.

The dealer markup fee is another phony fee that is made up just to pad the car dealership’s profit margin. This is an unnecessary fee that the dealer charges for no reason other than greed. This fee can be seen on the orange sticker marked on the manufacturer’s suggested retail price (MSRP).
These are just a few of the many scams that can surface from time to time when you are attempting to buy a new car. Although these practices to go on there are many trustworthy car dealerships that can and will sale you a car for the right amount of money allowing you to purchase the car without getting ripped off and still allow the dealership the opportunity to make the compensation they deserve for their efforts. The trick is to find that dealership. Best of luck to you.

About the Author

Tim is the webmaster of Best-Free-Insurance-Quotes.com. He offers discount auto, life and home insurance and Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.

Written by: Tim Gorman

Car Art in Many Forms

2009-10-08T12:08:00.000-07:00

Ever since the first car was produced, it's been an art object as well as a practical device. We love to look at all sorts of cars. We care about our own cars and we are very aware of what they say about us and our tastes. A red sports car makes a very different statement from a gray van.

Why do we spend so much time and money keeping up the finish of our cars? Again, it's an artistic matter, perhaps a combination of pride of ownership with the knowledge that people somehow identify us with what we drive around in.

Car art isn't limited to just the cars themselves. There are many forms of art that use cars. Whether or not you consider advertising an art form or a nuisance, the many ads for cars -- or for other things but using cars in them -- are a significant part of the history of car art.

Another form of car art is movies. Films use cars in them, to further the plot of course, but also to make statements about who the characters are. A lot of the wild rides you can enjoy vicariously in a movie or TV show would not be fun in person! Well, they might be, but they are beyond the reach of most people.

Paintings and photographs of cars are another realm that people have devoted themselves to. You can most easily own some of these through the wide selection of car posters available. If you love the elegant lines of a Lamborghini or Porsche, you can have one on your walls if not parked in your garage.

Car posters cover many topics. As well as celebrating rare and expensive cars, there are posters that offer a humorous look at our culture, that show great moments in car racing, that outline the history of the Mustang or other cars, that reflect the Art Deco look of bygone times, that show good-looking celebrities standing by a car, and much more.

About the Author

Rosana Hart is a reference librarian turned webmaster. Visit her site at http://www.infoandhelp.com/posters/ for a selection of popular posters and articles about their subjects.

Written by: Rosana Hart

Asian Girls Dating : Why Travel To Thailand?

2009-10-07T11:41:00.002-07:00

There are many reasons to travel. It can be to relax, have fun, experience, or simply to have a change of pace. Traveling can also be about relationships.

Traveling with a companion/lover is often viewed as the best way to travel as you have dedicated time for one another. But what about those of us who aren't in a relationship? While traveling alone has its advantages, the truth is that traveling without that special someone often just doesn't cut it.

And we know finding that special someone while on vacation generally doesn't happen, so we often end up not traveling at all.

Your concerns might also be even larger than not just having a travel companion/lover.

In the selection of one's life-mate department, you say you dropped the ball? And it turned out to be a major disillusionment, as you couldn't just simply turn around and get another relationship? You went through endless angst replaying the minutiae of what she said and what you said.

It was depressing. Also depressing is the realization that getting "good" at relationships is like anything else: it requires practice. And this kind of practice is often in short supply.

There's a solution for the problems of not having a travel companion, not being in a current relationship, and not getting the needed practice at relationships.

It's called Thailand. And thrown in as a bonus, you will also get tales to regale both friends and strangers with. Think of Thailand as an accelerated relationship course. Within a space of just a few days you can find yourself going from a fast night of sex to having a full time girlfriend.

It's not unusual that over a span of, say, two or three weeks that you connect with a girl like with no other one before; that you may very well be having the most incredible time of your life.

If relationship experiences are what you desire, Thailand is hard to beat. In Thailand you are king. Screw up your relationship? Not great but not a disaster either. You can get solace the next day (actually even sooner than that).

For a modest amount of money you can have a holiday that will be especially memorable, perhaps even life-changing.

Not only can you have all the girls you ever dreamed about, you can have a great time. Be it dancing, drinking, looking at sexy girls, sharing camaraderie, or relaxing at an open-air bar playing pool while having a sweet young thing cooing over you and ministering to your needs by applying cool moist towels to your hot neck and fevered brow.

You will have experiences that you've read about only happening to others in works of fiction. However, the difference this time is that you will be the main character. For real.

And you don't need to be a young stud muffin or have charismatic charm (it certainly doesn't hurt to have these qualities, but it isn't necessary either).

You can simply be you. The only real requirement is for you to want to have a good time. You will be surprised to find just how far a ready smile will take you.

Thailand is all about having fun; a place where every night is Saturday night. You may even discover a new you, that you are really an extrovert at heart; that you can say hello to a perfect stranger and receive a civil reply (this, from other fellow travelers. As for the Thai girls, they will be far more than merely civil...)

What is amazing is the different level of attention you receive over in Thailand. In the West, you may go to a club for the evening. You'll approach girls or they will approach you, but half of the time you either don't click or you don't find them attractive.

If you do find them attractive then you might swap numbers and talk for awhile or, if you're in especially good form that night, you might take them home, have sex, and that's it.

In the bars in Thailand the girls actually want to please, they want to massage you, they want to interact with you and they enjoy doing it. I know what you're thinking, of course you're going to get attention, these girls are after your money and they'll do whatever it takes to get it whether your 22 or 72.

Be that as it may, it's not that simple.

Women's lib hasn't made it over to Thailand. Thai girls aren't loud or brash; they are feminine and attentive. Treat your Thai girl with respect and attention (i.e., just be normal and treat her like a lady) and she will not be able to do enough for you.

She'll put toothpaste on the brush for you and wash your back. In bed she will wrap herself around you. Maybe even more than that. She might not allow you to put food on your plate in a buffet, insisting on doing it for you.

Or she might trim your already-shortened fingernails and clean your ears (you haven't lived until you have truly wax-free ears). She wants you to understand that she appreciates you. Thai girls take care of their men and it's intoxicating.

The sum of what Thailand offers is hard to beat: a rich, complex adventure fueled by randomness. Sit back and enjoy the ride. One of the nice things about Thailand is that it truly is "Up to you" (you'll hear this phrase a lot).

Many men, either by intent or by chance, do end up having relationships to some degree with the women they meet. It's easy to the point of being natural.

So why not combine travel with a relationship? You have everything to gain and only your heart to lose.

Do you want to know more about Asian Girls ?

Click here to find lovely girls from

Thail and - Phil ippines - Japa n - South Korea - Vi etnam - China - Hon g Kong - Sin gapore - Mal aysia - Taiwan - Russi a - India< /a> - In donesia

OR GO TO OUR ADULT DATING PAGES :

Thailand - Philippine s - Japan - South Korea - Vi etnam - C hina - H ong Kong - S ingapore - Malaysi a - Taiwan - Rus sia - India< /a> - In donesia

Best regards

Dao Jones

About the author:

Dao Jones, the founder of Asian-Girls-Dating.com is connecting Asian girls to western men in a very unique and succesfull way. Since 2001 she is giving dating and writing tips, as well as lots of information about the special caharcteristics of Asian women.

Asian-Girls-Dating Homepage

Written by: Dao Jones

Are you travelling along the slippery slope to your grave?

2009-10-07T11:41:00.001-07:00

When it comes right down to it where ever you go is where you are, whatever you end up doing, that’s what you are doing, whatever you are thinking right now, that’s what’s on your mind, what has happened to you, has already happened.
The important part is how are you going to handle it?

In other words “NOW WHAT”. Like it or not this is all we have to work with.
At every moment of the day, we find ourselves at the crossroads of here and now. The reason we can often feel lost is because we momentarily lose touch with ourselves and with the full extent of our possibilities. We fall into a robot like way of seeing, thinking and doing. In those moments, we are breaking the contact with our deepest inner self.

What we need to do is wake up to the way we do things. Waking up goes hand in hand, with what we might call “wisdom or spiritual enlightenment” which helps us to see more deeply into the cause and effect, the interconnectedness of things.

By seeing and understanding your inner self and trying to change your life for the better does not mean you are weird or becoming a religious zombie. It is simply being you and knowing something about yourself.

It helps to see the path we call life with its direction and meaning. You can easily remain on a slippery slope right into your grave if you do not do something about it.

We may never quite touch the fullness of our possibilities. Instead we lock ourselves into a personal fiction that we already know who we are, that we know where we are and where we are going, that we know what is happening, all the while remaining enshrouded in thoughts, fantasies and impulses about the past and the future. About what we want and like, what we fear and do not like. These thoughts spin out continuously, under veiling our direction and the very ground we standing on.

If what happens now does influence what happens next, then does it not make sense to look around from time to time, so you are more in touch with what is happening around now? You can then take your inner and outer bearings and perceive with clarity the path that you are actually on, the direction in which you are going.

You need to look inside yourself, only you can decide if you are happy and fulfilled and I mean “really happy and fulfilled” with the path you are on. If you are unsure then the chances are you wish to change something in your life. This could be a physical or mental change. By physical I mean you may wish to me healthier and would like to take up more exercise. You may wish to travel the world. By a mental change I mean a greater understanding of something that interests you, to educate your mind.

For example you may wish to travel more, see parts of the world that offer great wonders or different cultures. Unfortunately you do not earn enough money to do this.

If you were to educate yourself in your line of work, gain qualifications and advance your career path. You would then earn more money, which in turn would allow you to travel.
You see the choice is yours. You decide which path you wish to take.

The majority of people do not fore fill there full potential. They lack confidence and effort but most of all they do not believe in there own ability to change their life for the better.
Change your mindset. Believe in yourself and you will gain confidence. Put in the effort and you will reap the rewards both mentally and physically.

If you do this you will be in a better position to chart a course for yourself that is truer to your inner being. A soul path a path with a heart your path with a capital P.

About the Author

Lynn Claridge is a psychic medium. She specializes in self-development through meditation and the understanding of your inner-self. She has written a book “Understanding your Psychic Ability” and has a psychic website inthe6th.com covering amongst other subjects, spiritualality, self-healing and personal development.

Written by: Lynn Claridge

Are you a Traveler?

2009-10-07T11:40:00.000-07:00

I’m making an assumption that at want point in your life you’ve been a tourist. You’ve carried a map, a camera, maybe even had a tour guide. You’ve traveled to different destinations, relaxed on remote beaches, climbed stairs in buildings you see on television. You’ve done all of these things but some how when you get arrive home, all your left with is a short memory, and a few photographs.

Vacations are nice every once in a while, but it doesn’t make sense to me why we will travel thousands of miles to sit in hotel rooms and watch movies, or lie on a pool deck and catch some rays. These are all things that we can do where we are from, I want you to think about being a traveler not a tourist. You want to soak in as much of the new country and culture that you can rather than bring as much of your culture to them. It’s really quite simple. In one step you need to forget about your way of live, and adopt theirs.

It’s simple things like the mindset that we have when we go abroad, and what we bring. Don’t bring all of the things that we depend on in America. Bring what it is that you are going to need to survive and stay healthy during your visit. The more comforts you have, the more you will depend on them, and the less you will step out to become the traveler you ought to be!

Put yourself out there. Locals are always interested to interact with foreigners, and it’s best to take advantage of this. Meet people that you can share life with while you are in their country. Immerse into their culture and be open to new idea’s. A lot of times we are closed to new idea’s and we miss out on opportunities for better things to come along. Be open, willing and accepting.

If you want to be changed, and to experience you need to leave the tourist at home. Bring out the inner traveler in you and see the world in the way that it was meant to be seen.

--

Feel free to reprint this article as long as you keep the following caption and author biography in tact with all hyperlinks.

About the Author

Ryan Fyfe is the owner and operator of Travel Area. Which is a great web directory and information center for Traveling, Trips and lots of other related topics.

Written by: Ryan Fyfe

10 Tips To Safe Online Shopping

2009-10-07T11:39:00.002-07:00

The internet has changed our buying habits. Many people have found the convenience of online shopping to be a great experience. You can easily click and see the product. You have a fun time shopping, browsing, reading and getting informed about products. And you don’t have to take time out from your busy schedule to fight traffic, crowds and lines to buy the perfect gift for your recipient.

No wonder Internet business generated $301 billion in revenue last year, by a University of Texas estimate.

If you compare shopping online to offline you would think as far as security goes, it would favor offline shopping, right? Not really.

In the years past, shoppers were more reluctant to do their shopping online – now things have changed greatly. And that confidence in consumers directly reflects the enormous growth of online sales.

I have a friend who took his wife out for a romantic evening to a local restaurant. The last place you would expect credit card fraud to happen. By the time he noticed they had charged him double the amount for their dinner, it was too late to go back to the restaurant. He rang me and we concluded that it must be a mistake. It was later that we found out that the restaurant owner’s reputation was a bit shaky. Apparently he frequently overcharged customers in the hope they wouldn’t notice.

I don’t know. It’s a funny world we live in.

Does this mean the internet is safe? Relatively yes, but don’t forget, the Internet is an open field and there are some bad elements out there.

We have been shopping online for years. We never had a problem with credit card fraud on the Internet. But then again, we always take precautions. From this point forward, you will see 10 checkpoints online merchants have to pass to secure our business...

Will your credit card details be safe?

Reputable companies online know that one of the things preventing customers from placing orders with them is customers not been sure whether their credit card details will be safe. Responsible companies have taken this concern onboard and have set up their systems to provide the customer with maximum security.

How would you know if you are entering your payment details on a secure page?

You should see a picture of a lock on the bottom right hand side of your screen. This lock will appear on the page that you fill in when ordering and ensures that your name, address and credit card information is being sent to the online store through encrypted code. This encrypted code means that a hacker will not be able to steal your credit card information.

Does the online store value your privacy and confidentiality?

Prior to the internet days, when I used to order something from a mail order company, mysteriously I would be sent advertising from companies that I hadn’t done business with. Back then I didn’t know that companies sold your personal information for advertising purposes to other companies.

Receiving junk mail was annoying but because of the cost involved, it didn’t happen constantly. Imagine now if you do business online with a company that doesn’t respect your privacy and sells your email address.

Next time you open your email software, you are bombarded with emails ranging from a dozen to hundreds. Now that’s not annoying – it’s intolerable.

So moral of the story here, make sure your email address won’t be sold. Ensure the online store has a privacy statement which would state they will maintain your personal details in the strictest privacy and confidentiality.

Does the online store have contact details?

You may think, of course an online store would display their contact details on their website. You would be surprised. I was. No email address, nothing. This is a sure red flag.

Reputable companies will have contact details.

Do they have a refund policy?

Offline stores have a refund policy and you go into the store, physically select the product and are then allowed to return it for whatever reason. If a refund policy is important in offline stores, it’s twice as important for online stores.

The internet in convenience surpasses the offline world when it comes to shopping - but one thing it can’t match is that offline you can physically touch the product. Therefore a refund policy of 30 days is great, more is better. No refund policy and I would stay away.

Do they send you some sort of confirmation when you place your order?

When you place your order what you need is something to tell you they have receive it, a receipt if you like.

A reputable company will either issue you one via email or display a new page of their website where they thank you and tell you the order went through okay and your product is on its way.

When do they deliver?

What times do they deliver during the day? Do they deliver on the weekends? Can you choose a time to have your gift delivered? Will it be delivered personally to the recipient intended or will the courier leave it outside their door?

How will your gift arrive?

If its flowers, will it come with a vase or in a nice box or wrapped? Will your bouquet contain flower care instructions? How about flower food to make your flowers last longer?

If you’ve ordered another gift product, will they wrap it? In what kind of material will they deliver it? Do they tell you these things on their website?

How long have they been in business?

This may not mean too much. There are companies that start off and surpass all others. But perhaps for your peace of mind, you may want to use an online store that has been in business for some years. To check the history of the company is easy.

You can go to networksolutions.com and click on "whois" on the top bar. You will be taken to a page where you can enter the web address of the online store you want to check and you will receive the relevant information.

Is the online store’s site easy to use?

Is navigating easy? Is looking for products easy? Do their graphics download in a reasonable time? A sure sign of an amateur sight is if they have their website cluttered with information.

Have they gotten any bad reviews?

A reputable company isn’t necessary one that hasn’t any bad reviews to its name. It’s virtually impossible to please everyone.

There have been companies I have bought from and absolutely loved. So it surprises me sometimes when I stumble on a bad review about their products or even bad comments about them.

So when is a bad comment about a company worth considering? I take note of reviews where the writer complains of:

not receiving the product
not receiving a refund
not having their emails answered

If you want to see what kind of reviews a company may have, click on alexa.com. When you get to the website, type in the address of the store you want to check out. This will also show you how long the company has been in business.

Online shopping is fun. Take a little care and make it an experience! Happy shopping!

Looking for a gift? Let Gina and Nick show you what we buy for friends/family and each other. At our site you will find popular gifts, gift information and stories from our readers. Come have a look http://www.we-recommend.com

Written by: Gina Stathopoulos

10 Tips to Improve Your Shopping Cart

2009-10-07T11:39:00.001-07:00

Whether you call it a shopping cart, a basket or a bag, the process of completing a purchase on your site has to be as simple and pleasant as you can make it. And you MUST offer the assurances your customers need to reduce their security concerns.

1. Let customers know where they are in the process. Number the steps in the checkout process, and clearly label the task for every step. Allow shoppers to review what they did in previous steps and return to the current step if they do go back.

2. Include a link to the product detail page. Shoppers may want to make sure they selected the right item before they
complete their purchase. They shouldn’t have to navigate using their “BACK” button.

3. Add pictures in the shopping cart.
Including a thumbnail image of the product within the shopping cart has been shown to increase the conversion rate by as much as 10 percent.

4. Make the next step obvious.
Include prominent "Next Step" buttons on every checkout page. Be sure that the button you want shoppers to click on is the most obvious item on the page.

5. Make changes easy.
It should be simple for shoppers to change the quantity or delete items from their shopping cart.

6. Keep it friendly.
If information is missing or incorrect, provide an error message that helps the shopper understand the problem and how to correct it. But never blame him for making a mistake.

7. Reassure your customers.
Shoppers’ concerns increase during the checkout process. If they have a problem with the checkout or feel uncomfortable
using their credit card online, display your toll-free phone number so they can still complete their purchase. Link to
warranties, shipping costs, and return policies.

A clear summary of your privacy practices also reassures shoppers. Nobody reads or understands those endless legal policies, so if you need a legal document, link to it from the summary.

8. Don’t ask for information that’s not necessary. Make the checkout process as brief as possible. If you do request
non-essential information make sure that required fields are clearly marked and placed at the top of the page.

9. Include third-party reinforcement.
Truste, Verisign, Better Business Bureau and credit card logos help customers feel more secure, as do “real” testimonials.

10. Use an exit survey.
If a shopper abandons the checkout process, offer an incentive to complete an exit survey. She may tell you why
she didn't complete her purchase— very valuable information!

About the Author

Barry Harrison is the author of "REDiTIPS"
eMarketing Newsletter and a partner in Resolve Digital,
Web Strategies for the Real World.

Visit his site at http://www.resolvedigital.com or
mailto:barry@resolvedigital.com

Written by: Barry Harrison

10 Tips For Shopping For Weight Loss

2009-10-07T11:38:00.002-07:00

Copyright 2006 Donovan Baldwin

Everybody is different. What works for your friend might not work for you, or might work better for you. Therefore, these suggestions for shopping for weight loss are presented as helps, and I hope you will find something of use to you. With just a little thought and creativity, you should be able to come up with several more tips yourself.

1. Always use a list when you shop, and stick to it. Almost any other food item you put in the buggy will be something that does NOT fit in to your weight loss plan.

2. Plan ahead. Decide what your meals are going to be, and what ingredients you will need. Include portion sizes in this planning. If you just buy a pack of steaks, you will probably cook all those steaks at once and there is a chance they may be eaten all at once. Planning your meals will help you prepare your shopping list. Plan also for meals such as lunches you carry to work.

3. Take someone with you who you can trust to be on your side. By "on your side", I mean, of course, someone who understands and supports your weight loss goals. While this person should be aware of what you are trying to accomplish, YOU must understand that they ARE trying to help you, and YOU must give them permission to express their honest thoughts about purchases you are making...especially if you are deviating from your list.

4. Have this trusted friend or family member HELP you draw up your shopping list.

5. Always eat before shopping. It is a fact that shopping when hungry increases your tendency to put extra items in your shopping cart.

6. Learn to read the labels. Almost every food you buy has a label outlining nutritional content and levels. Knowledge of nutritional needs is important, but does not need to be daunting. Basic information is easy to obtain.

7. Avoid convenience foods. Most have additional calories, fats, or carbohydrates. Although they may taste great, this is often a direct result of those very attributes.

8. Plan PREPARED meals. Cook from scratch. Not only will you probably enjoy the meals more, but having to prepare a meal helps prevent you from indulging yourself with a quick and easy snack or meal.

9. Avoid buying "empty" foods. These are foods such as chips, cookies, or candy. An apple may have as many calories as a piece of candy, but it contains a much higher level of nutrition, and provides factors such as fiber, for example.

10. Buy foods you really like. Eating in a healthy manner does NOT have to be a boring or unrewarding experience. Types of meals enjoyed in Japan, for example, can be tasty and a different and inviting experience, but they can also be very good for you. Again, be aware of portion sizes. Just because it is "good for you" doesn't mean you ought to go back for seconds or thirds.

There you are, 10 hints for shopping for weight loss. Since portion sizes was mentioned twice, let me leave you with this thought. Most Americans eat portions much larger than recommended sizes. A discussion of portion size is more than can be incorporated into this small article. However, people in France tend to eat very rich foods yet do not have the obesity problems found in America. People in Japan who eat a traditional Japanese diet tend not to have an obesity problem such as is found in America. As diverse as these two cultures and their diet are, a common factor is portion size. They typically eat much smaller portions than Americans.

About the author:

The author's interest in fitness and health began in 1970 when he first read Dr. Kenneth Cooper's "Aerobics". Find more weight loss tips at http://nodiet4me.com . You can find additional articles on fitness, health, and weight loss at http://nodiet4me.blogspot.com .

Written by: Donovan Baldwin

Bad Credit Mortgage Refinance

2009-10-07T11:38:00.001-07:00

Bad Credit Mortgage Refinance

If you are looking to refinance your mortgage but believe you will be unable to because your credit may be challenged by late payments, bankruptcy, charge off's, or unpaid medical bills to name a few, don't worry, there is hope.

There are literally thousands of lenders across the United States that specialize in all different types of mortgage programs for people who have challenged credit.

They are not the typical banks you find down the street from your house that deal with perfect credit only. Nor are they hard money lenders that charge outrageous mortgage rates. They are known as wholesale lenders.

Wholesale lenders work closely with mortgage brokers. Mortgage brokers are the people who work with people looking for mortgages in the way of counseling, educating, and locating a loan for people who find themselves in a unique situation and have trouble finding a loan on their own because their needs may be special.

Keep in mind, wholesale lenders are out there by the thousands, and they are very competitive. So be sure to shop around. Just because you have bad credit, it does not mean that you should be at the mercy of mortgage companies. There are plenty of lenders out there who have programs to lend money to people with bad credit.

The best place to begin your search for a bad credit mortgage refinance would be the internet. Make an attempt to contact no more than four lenders, allow for them to assess your situation, than base your decision on the one that offers you the best deal that meets your needs and budget.

About the author:

Jennifer Hershey has more than twenty years of experience in the Mortgage Industry as a loan officer. She is the owner of http://www.explainingmortgages.com/, a mortgage resource site devoted to making mortgage terms and products easy to understand.

Written by: Jennifer Hershey

Bad Credit Home Mortgage Refinance - Should You Refinance

2009-10-07T11:37:00.002-07:00

A bad credit home mortgage refinance is possible for people with previous credit problems. The interest rates will not be as low as those for consumers with good credit but you can still end up saving in the end.

There are several questions you should ask yourself when considering a home mortgage refinance. First of all you need to access your credit situation. If credit has been a problem for you in the past, you will want to take control of your finances before applying for a mortgage refinance loan. Refinancing can either help or hinder your current situation.

You will need to calculate all of the costs involved in refinancing before making a decision. A lower rate of interest and a shorter loan payoff time are two desirable perks of refinancing. Some people are only interested in lowering their monthly payment amount. However, you will need to remain in your home long enough to reap the benefits of refinancing. It makes no sense at all to refinance your home if you plan on moving within a few years. It is a good idea to figure how long it will take to recover the costs of refinancing. Some loans may offer a lower rate of interest but have excessive closing costs and fees. You will want to be aware of all costs involved including any additional income taxes you may be charged.

The Two Percent Rule

The two percent rule refers to your existing mortgage rate compared to current rates of interest. Many lenders recommend that you refinance if you can obtain an interest rate two percent less than your current rate. This is just a general rule and should not be the only deciding factor. Often the time you intend to remain in the home is just as important as the lower rate of interest.

On average the costs of refinancing will be at least three percent of your mortgage loan. This is a lot of money to spend and you will want to make sure you will be able to recover these costs when refinancing. If you are making payments on your first home and plan on buying a larger home in the future, a drop in the current interest rates may be the perfect time to purchase a new home. If you can obtain more home space for about the same price, this may be a desirable option.

About the author:

View our recommended Bad Credit Mortgage Refinance lenders or view all of our Recommended Refinance Lenders.

Written by: Carrie Reeder

Bad Credit Auto Loan Refinance - Tips To Increase Your Odds Of Getting Approved

2009-10-07T11:37:00.001-07:00

Plan to refinance your auto loan but have bad credit? You can still find financing at reasonable rates by searching online for your lenders. Researching rates and terms will lead you to a good deal, saving you money each month. Increase your odds of getting approved for the best loans by following these tips.

Think About A Co-Signer

The better your credit score, the better your rates. So if you don't have great credit, look for someone who does. By having them co-sign for your loan, you can find yourself qualifying for much better rates. Lenders look at your co-signers record, but you pay for the loan.

If you are a couple, you may also choose to use the person with the best credit score to apply for the refinance auto loan. You can find out who has the better record by requesting your credit score online.

Update Your Credit Report

While you can't change your credit report overnight, you can be sure it is in the best condition possible. Take a few minutes to review your free copy and make sure all information has been updated. You may also want to include an open letter explaining any reasons for your bad credit score. Mitigating factors, such as a job loss or illness, are sometimes considered by lenders.

Eliminate Old Debt, Hold Onto Cash Assets

Besides your payment history, lenders also look at your debt and cash assets when considering your loan application. The less debt you have, the better you look to lenders - especially if you have a high income.

Cash assets are also important. Lenders like to see at least six months of cash reserves in the bank. This can mean a savings account, money market, or CD.

Be Honest With Your Information

More than likely, you will be approved for refinancing. What rates you qualify for depends on your information. So to get the most accurate loan estimate, be honest about your credit background. That way, when you actually apply for the loan, you will be approved for the rate quoted.

Remember too that not all lenders charge the same rate. A careful search will bring up favorable rates, even for those with poor credit. Sub-prime lenders often provide loans on a point or two

About the author:

View our recommended Car Loan Refinance lenders or view all of our Recommended Auto Finance Lenders Online.

Written by: Carrie Reeder

Computer Cleaning May Be The Best Home Based, Part-time or Full-time Business

2009-10-07T11:36:00.003-07:00

Computer Cleaning May Be The Best Home Based, Part-time or Full-time Business

With the proper motivation, training, and advertising you will be able to charge for most all aspects of personal computer and computer system installation, repair, and maintenance.

But, unlike your competitors, you will engage in the two most lucrative and high-profit aspects of computer maintenance -- computer cleaning (Note 1) and spyware removal (Note 2).

Imagine yourself being able to charge $50 to $75 per hour with almost no business expenses; no high-dollar office or advertising, no employees with their demands and aggravations.

Imagine yourself owning your own business within just a few days, no high-dollar startup expenses, no dealing with the bankers, no burdensome filing fees or taxes.

Imagine a work place with no boss watching your every move, no timelines except those of your making.

Your potential clients

Any individual, family, or business is a potential client. At one time or another, guaranteed, all are in need of your computer cleaning or spyware removal services. And, once your foot is in the door then the potential for 'rounding' the business is tremendous. Hardware and software upgrades, new systems, additional client terminals, one-on-one training, it's all there, just for the asking.

Nothing, other than a successful spyware removal is so appreciated by the customer as a physically clean system. Sticky keyboards make it difficult to type and a dirty monitor makes it difficult to read an e-mail or complete a spread sheet. Dust inside of the case can allow heat to rise until the system malfunctions.

In this guide we will be covering how to eliminate all of these dirt and contaminate related problems, as well as a few others that we've personally encountered.

Keep in mind that this isn't the be all or end all to system cleaning. But, using this information should keep your customers' systems in good shape and earn you their gratitude and dollars.

First, and most importantly, we need to emphasize that you should only perform these items if the hardware is turned off. Cleaning a computer while it is on could damage the equipment and possibly even cause harm to yourself.

Second, you must appear clean and tidy. A white lab or doctor's coat makes a great impression. Upon request, we will supply you with a scalable image of our PCdoctor™ logo that many of us proudly display. An anti-static strap, while not absolutely necessary, is another item that makes a customer remember your service, not your bill.

Finally, computer cleaning is an on-going business. Do a good job the first time, bill reasonably, and the customer will use you on a regular basis. Establish for yourself a reminder system to calendar repeat visits. Call or write the account a few days prior to the next calendared visit.

Note 1 : Computer cleaning is the physical cleaning of a computer system to remove dirt, dust, and airborne contaminants that accumulate over time. Among the items you will learn to properly clean are the case (outside and inside), keyboard, monitor, mouse, external ports, removable drives, printers, etc.

Note 2 : Spyware removal is the process of removing (un-installing) spyware, adware, trojans, browser hijackers, telephone number dialer software and keylogger programs that your customers knowingly or unknowingly install on their systems through Internet access. These programs cause pop-ups, un-wanted advertisements, home page (or start page) hijacking, modifying search results, dialing out to incur unwanted long distance telephone charges, and can even delete entire hard disks of valuable data.

Jay Stikeleather

http://www.pcdoctorsgroup.com/

Author Info:

Jay Stikeleather is one of the founding partners of http://www.pcdoctorsgroup.com/ PCdoctors are computer and pc technicians specializing in personal and business computer maintenance, installation, upgrades, and training. Visit us today, you too can become a PCdoctor.

About the Author

Jay Stikeleather is one of the founding partners of http://www.pcdoctorsgroup.com/ PCdoctors are computer and pc technicians specializing in personal and business computer maintenance, installation, upgrades, and training. Visit us today, you too can become a PCdoctor.

Written by: Jay Stikeleather

Computer Cleaning

2009-10-07T11:36:00.001-07:00

PC Cleaning

Taking care of your computer will help it last longer and work better.

To clean your mouse - The trackball can pick up dirt and dust from your desk and mouse pad. Also, the wheels that the trackball come in contact with get dirty and need to be cleaned. If you notice your mouse "doesn't work right", it may be time to clean it. First, turn your PC off. Turn your mouse over and you will see the ball sticking out of a cover. Look at the arrows on the cover and turn it in the indicated direction to open it up. Don't worry about anything falling out. The only thing that comes out is the ball, and maybe a little dust, and you want to take that out anyway. You can clean the ball with alcohol if it needs it, but usually just wiping it off will work. A cotton swab dipped in rubbing alcohol works well for cleaning the wheels. When you're done, drop the ball back in and put the cover back on. If cleaning it doesn't help, it may be time to replace it. PC mice are usually less than $10 and are sometime free if you watch for sales in the Sunday paper.

To clean your optical mouse - If you have an optical mouse, one with a red light under it, there is no ball and you can just wipe off the lenses with a cotton swab.

To clean your keyboard - Never spray anything into your keyboard, this includes coffee. You can use a vacuum cleaner to clean dust, dirt, staples and cookie crumbs from your keyboard, but make sure your computer is off before starting, and make sure you don't have any loose keys. Rubbing alcohol works well to clean the keys and surface of your keyboard, but use it sparingly. Using a cloth works well, as paper towels tend to leave little pieces behind. If you spill something sticky like your favorite soft drink on the keyboard, the keys will likely start to get sticky as it dries. It could be time to replace it. They too are cheap and can be free if you watch for a sale.

To clean the computer - You can use a vacuum to clean around the vents and anywhere else that looks dusty. Be careful in the back of the PC to not knock any plugs loose. It is a good idea to keep the vents clean and free of dust, pet hair or lint. How often you clean your computer depends more on the environment it's in than the manufacturer's recommendation. I have 2 dogs that shed so I clean my computer about every 2 months. A cloth and alcohol can be used on the outside of the PC if it's dirty but, again, turn it off first.

To clean your monitor - A vacuum can be used to remove dust from the vents. If you have fingerprints on the glass, you can use the same wipes that you would use on your glasses or use as soft cloth and warm water followed by a dry cloth. Think of your monitor glass the same way you think of glasses, if you wear them. They may have delicate coatings on them that can be scratched. Always avoid chemicals on displays. To clean a laptop display or LCD - These displays are plastic and can also be scratched by paper products such as tissues or paper towels or damaged by chemicals. Use a cloth made for glasses or camera lenses or a soft cloth and warm water followed by a dry cloth.
About the Author

Scott Dary, aka Parker Computer Guy, runs a computer repair and consulting business based in Parker, Colorado. Additional articles by Scott can be found at http://www.ParkerComputerGuy.com

Written by: Scott Dary

Computer Certification: Become A Utility Player

2009-10-07T11:35:00.003-07:00

In baseball, a "utility player" is one who plays more than one position. These players are usually backups, but they have a job in the major leagues because of their value to the team; since they can play more than one position, they have that much more value to their employer.

Too often in IT, workers become either LAN or WAN engineers, knowing little if anything about the other side. Many LAN administrators I worked with knew little about routing and switching, while many WAN engineers I knew not only didn't know much about the LAN side of their network, but they didn't want to know anything about the servers!

In today's IT world, it's a bad idea to specialize in only one thing and not know how to do anything else. Not only does it limit your future career prospects, but it limits your current prospects as well. Employers don't want to hire someone and have them get up to speed on the job - they want someone who can walk right in and do the job. The more you know, the better your chance of getting a better job - or quickly being able to get another job if you were laid off tomorrow.

A term often heard on Wall Street is "diversification", meaning that investors should not invest heavily or totally in only one stock; if that stock plummets, they're in big trouble. Your career is the most important stock you will ever own, and you're 100% in charge of it. Diversify. If you're working primarily with servers, learn some routing and switching. If you know the routing protocols your company uses on its WAN, learn something about that protocol. (If you don't know the protocol, ask!)

While you're adding these skills, get certified while you're at it! Adding a CCNA, MCSE, or other computer certification looks great on your resume while signaling to employers that you're constantly adding to your skills.

Adding more skills and knowledge to your IT skill set is always a good idea. Don't limit yourself to the technologies you work with every day. Make an investment in yourself and become a well-rounded network engineer. This will help you keep the job you have - and open doors in the future that might otherwise have remained closed.

About the author:

Chris Bryant, CCIE #12933, is the owner of The Bryant Advantage , home of free CCNA and CCNP tutorials! Pass the CCNA exam with Chris Bryant!

Written by: Chris Bryant

Car and Truck Alternators

2009-10-07T11:35:00.001-07:00

Has your vehicle's alternator failed? Are you absolutely certain that it isn't your battery or starter? Determining which part has failed is essential toward avoiding unnecessarily replacing something that hasn't failed, like your battery. Let's take a look at some steps you can take to determine that your alternator, in fact, has bit the dust.

If you own an alternator testing machine, you can test to see whether your car's alternator is charging correctly. For most people this isn't practical as few motorists own such an expensive piece of equipment. For everyone else, there is a practical way for you to easily check to see if your alternator is working properly:

Connect a volt meter to your car's battery

Start your car

Observe the voltage output on the volt meter so that you can make an accurate determination.

If there is an increase in voltage when you start your car, then your alternator is more than likely working just fine. Likely, you battery is the culprit; check the battery itself and the connections to make a final determination.

If there is no increase in voltage, you are likely looking at having to replace your alternator.

The next step, of course, is to determine whether you will replace the alternator yourself or have someone else do the job. Some things to keep in mind as you weigh your options include:

If you trust your vehicle to a mechanic, what will the total cost of the work be including the part and labor? Is there a guarantee?

If you decide to do the work yourself, do you have all the tools on hand to get the work done? Do you own a repair manual? Do you want to purchase a new alternator or will a remanufactured unit suffice?

Your choices today are much greater than they were ten years ago, before internet shopping became a strong factor in reigning in high auto parts prices. Several online wholesalers, including the Auto Parts Warehouse, are in business to sell auto parts directly to you. Costs are generally much lower than local retail establishments and parts are from well known manufacturers, names you can trust in the business.

Doing the work yourself can save you time and money as well as give to you a sense of accomplishment. With a trusty repair manual at your side you can replace your vehicle's alternator quickly and accurately.

****************************************************

You can replace an auto alternator yourself; at APW we sell premium Bosch alternators and Valeo alternators at heavily discounted prices.
About the Author

Matt Keegan is a contributing writer for the Auto Parts Warehouse [APW], an online wholesaler of high quality performance and replacement parts for passenger cars, SUVs, trucks, and vans.

Written by: Matthew C. Keegan

Car Accident Lawyer Legal Advice

2009-10-07T11:34:00.001-07:00

Car accidents are currently the number one killer of people between the ages of 1 and 37 in the United States. Car accidents, crashes, and collisions cause about 3 million injuries a year, 2 million of which are permanent and crippling injuries per year. 40,000 people die in car accidents every year in the United States alone. The Department of Transportation reports that most of these car accident deaths can be avoided. About 40% of car crash fatalities involve drinking alcohol and driving. Many accidents involve some combination of alcohol and speeding. Additionally, seatbelt use is only around 68% despite the proven fact that seatbelts protect drivers and passengers and save lives. In more than half of all car accident fatalities, the deceased were found not to be wearing their seat belts at the time of the crash.

Reckless and drunk driving is a serious offense and the law treats a car, when it causes injuries, as a dangerous weapon. When victims are injured and killed in drunk driving accidents, the driver can be charged the same as if he or she had attacked their victims with any other weapon, like a gun. A drunk driver who kills a person can be sent to prison for murder. Such dangerous activities as drunk driving and racing are often treated casually by young people, but they do not understand the inherent risks associated with this behavior. Every twelve minutes somebody in the country dies in a car accident.

If you or somebody you love has been involved in a car accident, either as a driver or as a victim, it is important to seek legal council. Remember, if you are involved in an accident, never to apologize or accept responsibility without consulting a lawyer. Car crashes are scary, but apologizing on the scene can fix the blame on you even if the collision is another driver’s fault. A lawyer can help you work out the necessary paperwork and protect you from accusations and court proceedings. Insurance companies have lawyers protecting their interests, shouldn’t you?

Finally, do not panic. As drivers become more aware of their responsibilities and car companies develop safer vehicles, the percentage of deaths in car crashes has steadily declined. When combined with safe, responsible driving techniques, such as acknowledging posted speed limits, wearing seatbelts, and going out with designated drivers, these new cars and advanced roadways promise a safer driving experience.
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If you have more questions, contact a car accident lawyer or read car accident news at http://www.hugesettlements.com.

About the Author

None

Written by: Anna Henningsgaard

~Car Accident Insurance Claim~ Regarding Impacts And Injuries

2009-10-07T11:33:00.000-07:00

As of January 2003 it was determined that in the good ole‘ US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Let’s take a look at four of the most common of these gazillion impacts and the typical injuries they cause.

#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that are considered to be any collision that takes place at speeds under 10 MPH. While there is absolutely no justification to call it a “Low Speed” impact that’s what the insurance industry loves to identify them as. Why ? Because a moniker like that is supposed to indicate that the, “so-called impact”, you were subjected to could not possibly have caused an injury.

It’s true that when such a crash does take place there’s often not a lot of damage done to the motor vehicle and yet, in most cases, people involved in these types of accidents more often than not suffer injuries - - neck injuries especially!

Although the insurance industry would like to have those making a claim think differently an injury can and absolutely does occur when a low impact collision takes place. The most common is identified as the “Whiplash”. This takes place when the occupants don’t have the slightest idea about the impending collision so they can’t brace themselves by forcing their back and/or neck against the seat or headrest. Because of this their body gets whipped and snapped about something fierce.

Automobile bumpers are built to withstand up to a 5 MPH crash without damage. This is not done to insure the safety of the occupant but rather to protect and limit the damage to the bumpers, keeping the cost of repair to a minimum. Many times vehicle to vehicle impacts can sustain an impact of 8 to 9 MPH before there’s recognizable damage to the motor vehicle. However, when the bumper doesn’t crumble and absorb the force of the impact, more of that crash is felt by the occupants. IMMEDIATE INJURIES: The individual that’s been crashed into by another (even at only 5 MPH) is thrown forward with a severe jerking motion - - causing necks to snap and backs to twist. Because of this many “Soft Tissue” styled injuries take place, including multiple body bruises, plus chest and rib injuries. In most cases adjusters attempt to deny the possibility of injuries in a low speed impact but research substantiates just the opposite! Sure, the motor vehicle will show little damage but the velocity and accompanying force have to be transferred somewhere, and that’s to those sitting in that vehicle. Cars are built to withstand such minor impacts - - the human body is not!

#2. FRONTAL COLLISIONS: In most frontal impacts the occupant’s can generally brace themselves because they’re usually aware of the collision they’re about to be subjected to. In Frontal Collisions the speed and weight of the vehicle play a role in the injuries of the occupant. (The more the vehicle crumbles at impact the less severe the injuries to the occupants. Many times airbags will deploy). In frontal impact collisions the speed and size of the vehicle determines the injuries that can take place. (And - - getting back to rear-end collisions for just a moment - - the striking vehicle not only undergoes a collapse, but transfers momentum to the car that’s been struck by pushing it forward. The airbag may or may not explode. This depends upon the rigidity of the vehicle that’s been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib and clavicle, arms and legs, concussions, soft tissue, internal, dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache, blurred vision, dizziness and loss of taste, smell or hearing. Also, difficulty breathing, blood in urine or stool, swelling, loss of motion and visualized bruising take place.

#3. SIDE IMPACT: Many times the occupants head will hit the side window and bounce off of it. There are no air bags nor bumpers, engines, etc., to help protect ones body or absorb the force of the impact. IMMEDIATE INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes and bruises. 48 to 72 hours later: Pain, headache, blurred vision, dizziness, loss of taste, smell or hearing, numbness or tingling (and basically the same as those listed above) so, at the risk of being repetitious but because it’s so important, I must say once again: It’s of major importance that the individual exposed to impact - - no matter how slight it may seem to have been - - should immediately be examined by a medical professional.

#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious. The most common factors in single vehicle accidents are approaching a curve at too high a speed, leaving the pavement or highway, or over-correcting the steering wheel - - particularly in vehicles with a short wheel base. The severity of injuries to the occupants generally depends on the beginning velocity of speed, the number of rolls, condition of the vehicle, and what your motor vehicle rolled through, over and into! Damage to the vehicle is generally extensive. It has been determined that 60% of the economic costs from roll-overs resulted from occupant ejection, and that the initial roll-over speed was between 40 to 60 MPH. (A recent study reported that restrained occupants showed a higher proportion of neck injuries than the unrestrained).

IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.

*******************

The bottom line (to all 4 of the above) is that in all motor vehicle accidents - - no matter how minor the damage it’s of the greatest importance that each and every individual immediately visit a medical professional for a physical examination and/or consultation. So, should you find yourself at the scene of an accident and somebody asks if you think they should see a doctor, your answer should always be, "ABSOLUTELY " ! Stare straight into their eyeballs and tell them, “It’s your body. There’s only one to a customer. You should do whatever you can to take care of it and protect it”.

DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING IMPACTS AND INJURIES is intended for background information only. Its purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any guarantee of any kind whatsoever NOR purports to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. where such professional help is desired IT IS THE INDIVIDUAL’ RESPONSIBILITY TO OBTAIN IT.

Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at: http://www.autoaccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury.

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733 0127 FAX: (413) 731 8358

Mail to: "mailto:dbpaw@attbi.com"

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)

Found on the internet at: "http://www.autoaccidentclaims.com"

For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retried and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.

dbpaw@attbi.com

Written by: Dan Baldyga

An Adventurers Travel Checklist

2009-10-06T13:55:00.003-07:00

The following is a List that I have gathered through years of experience and research. They don't neccessarily apply to an Outdoor Adventurer. You Pick and choose your priorities according to your destination and the length of your stay. Visit http://www.thecampingguide.com for more information and the necessary gear for your trip.

Gear Essentials
· Day Pack
· Flashlight
· Compact Binoculars
· First Aid Kit
· Sunglasses
· Multi-tool
· Watch
· Sunscreen
· Water bottle (with built-in filter)
· Hat
· Whistle
· Map or Travel Guide
· Compass or GPS receiver

Pre-Departure
· Passport
· Visa if needed
· Health Documentation
· Transportation Tickets
· Frequent Flyer Cards
· Emergency Information
· Insurance
· Hotel Reservations
· Traveler’s Checks
· Currency (both local and American)
· Credit Cards
· Guide Books and Maps
· Trip Cancellation/ Medical

Information
· Copies of Passport, ID and Documents
· Special Event Reservations

Travel Gear
· Main Travel Bag (Duffle/Luggage, etc.)
· Packing Accessories (clothes, small stuff and toiletries)
· Security (Passport carrier, luggage locks/ tags)
· Document Organizer
· Everyday Bag

Everyday Basics
· Travel Clothing
· Raincoat/ Umbrella
· Travel Footwear
· Visor or Brimmed Hat
· Camera. Lenses and Film
· Radiation Shield for Film
· Video Camera, Tapes
· CD/ Cassette Player
· Electric/ Phone Converters
· Travel Alarms
· Language Books
· Reading Materials
· Address Book
· Travel Journal
· Pen/ Pencil
· Scarf/ Bandana
· Games/ Playing Cards
· Snacks
· Hand Sanitizer/ Towlettes
· Travel Neck Pillow
· Eye Shade/ Ear Plugs
· Portable Door Lock
· Tissues/ Toilet Paper
· Keys

Maintenance Items
· Flashlight Batteries/ Bulbs
· Matches or Lighter
· Extra Batteries
· Sewing/ Repair Kit
· Duct Tape
· Travel Iron or Steamer
· Sink Stopper for Hotel Sinks
· Zip-Close Plastic Bags

Travel Health
· Travel Health Booklet
· Pain Reliever/ Aspirin
· Cold Medicine
· Contact Lens Items
· Diarrhea Medicine
· Motion Sickness Medicine
· Laxative
· Insect Protection
· Sun Protection
· Antibiotic Cream
· Malaria Medication
· Personal Hygiene Items
· Personal Prescriptions

Visit http://www.thecampingguide.com for more information and the necessary gear for your trip.

About the Author

Centerprises - are the owners of the http://www.TheCampingGuide.com which offers Camping, Hunting, Outdoor Gear and Information in General about the Great Outdoors.

Written by: Centerprises

Alternatives for Business Travelers

2009-10-06T13:55:00.001-07:00

"I'm coming home. I've been away too long. Been away so long. I'm coming home" – Ian Thomas, in Coming Home

I still recall my road warrior days. It seemed like every other week, I was hopping on a plane for Orlando or Vancouver or Palm Springs or Washington or Chicago or Toronto.

It might not be Rome, Paris, and Monte Carlo, but Washington, Toronto and Orlando are pretty classy places. I went to crucial meetings. I was an important person. I was a frequent flyer.

However, after a while, all the towns begin to look the same. One airport hotel looks amazingly like another. Surely the taxi driver in Washington and the taxi in Orlando were twins separated at birth. I was yearning to just stay put. I had had enough of hotels and restaurants

Traveling sounds glamorous until you have to do it over and over and over. Especially when you have a family, you want to spend some time at home between the episodes of jet lag. Comfort becomes a much bigger deal, and you want every place to feel like home.

You just can't do that in a hotel. Not in a Marriott. Not in a Sheraton. Not in a Hilton.

I wish I knew then about two other options.

Private Vacation Homes (or rental villas)

Private vacation homes, known also as holiday homes or villas are essentially houses that rent on a weekly basis. They are not much help for fly-in meetings. For those, only an airport hotel will do.

But if you plan to be in town for the better part of the week, there is nothing like kicking back in your own private home – a rental home, of course.

"Hotel rooms are cramped; a villa is spacious with room to walk about. Hotel rooms have a TV and desk in the bedroom; a villa has surround sound TV and stereo with comfortable couches and chairs in various parts of the home. A hotel has a public pool; a villa has a private pool," says Florida villas rental agent Stewart Granville. "It's private. It's comfortable. It's like a home away from home."

Mr. Granville notes that a vacation home rental also serves as an office away from home, with one room dedicated to the office. "In a villa, you don't have to sit on your bed when you type those memos. And what a great way to entertain business contacts."

Mr. Granville specializes in villas in America's vacation heartland: Orlando, Florida. Business travelers often bring their family along to enjoy Walt Disney World, Universal Studios and other famous theme parks. The family plays while the business traveler works. When the meetings are over, they all head for Disney together, perhaps for another week. With family in tow, a private rental home makes much more sense than a crowded hotel room.

Bed and Breakfasts

Bed and Breakfasts are also an option. Although they do not offer the same privacy and space as villas, they are warmer and more homey than a hotel. And like a hotel, they rent by the night, not by the week.

Is a bed and breakfast for you? If a relaxing atmosphere is more important to you than room service, a bed and breakfast is for you, yes. They are comfortable and relaxing, so the business traveler can walk confidently into his meeting free from stress and worries.

Bed and Breakfasts are growing more popular for weekend getaways in the country, but most major urban centers have bed and breakfasts right in the heart of the city...and these are ideal for road-weary business travelers.

So forget about room service and the mint on the pillow. For a stay of several days, the business traveler can rent a spacious, private vacation villa. And for just a night or two, it's a warm and comfortable bed and breakfast.

David Leonhardt is a freelance writer, and an online and offline publicity specialist. Contact him at:

mailto:info@thehappyguy.com

or visit his website at:

http://www.thehappyguy.com

For Florida vacation villa rentals:

http://www.lastminutevillas.net

For Orlando vacation home rentals:

http://www.orlandovillaowners.com

Info@thehappyguy.com

Written by: David Leonhardt

Along The Well Traveled Path...

2009-10-06T13:54:00.002-07:00

Along The Well Traveled Path...
© 2001 June McHardy

I've always been a reader!

I've always haunted the local library - still do - but
when we were going through some bad times several years
ago, I discovered a whole new classification of books
and tapes. Motivational and inspirational ones.

After a bad day, I could immerse myself in "Real Magic"
by Wayne Dyer, and know that there were possibilities
out there after all. This book taught me that
meditation doesn't need to be done in a specific way
but that you can simply sit by yourself quietly, for 30
to 60 minutes and you'll come up with numerous exciting
solutions!

Bob Proctor's "You were Born Rich" was my constant
companion for many years. It's dog-eared now, but it
taught me that riches include many things in our lives
besides money and we need to be grateful for each and
every one.

Every time I drove my car I listened to cassette tapes,
including Brian Tracy's "The Psychology of Success"
tapes or "Possibity Thinking" by Robert H. Schuller and
somehow, it gradually dawned on me that this assistance
is always present and available to us in our lives, in
good times and in bad.

Over the years, any challenges that I have always give
way to hope and possibility when I pick up one of my
books or tapes. Somehow, I can always open a book to
any page and find a quote or a statement that 'speaks
to me' and changes the way that I'm thinking.

The same is true of the books that I read today. "The
Seat of the soul" by Gary Zukov or Dr.Wayne Dyer's
"There's a Spiritual Solution to Every Problem" and
"How to know God" by Deepak Chopra - along with masses
of other material by the 'Motivational Masters' of our
times are all basically teaching us the same thing -
that we are 'Spiritual Beings' with access to miracles
in our lives.

What I find really exciting about this is that all of
these authors have in fact gone before me on their
spiritual paths and their legacy of books and tapes are
now my guideposts along my way.

Now I'd like to share them with you!

To that end, I've compiled a list of some of these
Motivational Gurus with many of their works at
http://www3.sympatico.ca/norm.mchardy/motivational.htm
http://www3.sympatico.ca/norm.mchardy/nightingale.htm

About the Author

June McHardy is co-editor of the Motivational Ezine Prosperity News - dedicated to maximizing success and joy in our lives.
http://www3.sympatico.ca/norm.mchardy/Prosper.htm
http://www3.sympatico.ca/norm.mchardy/articles.htm
Subscribe FREE now and be entered into a FREE Draw...
mailto:prosperitynews@yahoo.com?subject=subscribe+draw

Written by: June McHardy

All You Need to Know About Travel Humidors

2009-10-06T13:54:00.001-07:00

When humidors where first created by Zino Davidoff in the early 20th century, they were large cellar humidors which certainly made for restricted travel. One now had the ability to strive for the perfect cigar, but only from home. Most people would agree that the feasibility of traveling with a large room did not exist, and still does not, even today. A dilemma arose as to how to preserve a moist cigar while traveling.

Early models of travel humidors were patterned after air-tight cases in which the cigar aficionado placed cigars already maintained in a cellar humidor. This worked well except that when one opened the travel humidor, since the maintained humidity existed as a result of already moist cigars, each time the humidor was opened, humidity would escape and the ambient humidity of the room replaced the humidity that had been inside the travel humidor.

Today humidors can be found that are battery-powered or can be plugged into any available AC outlet or a combination of both. While these types of humidors are more functional than ostentatious, they can be made of any materials in varying shapes and designs, suited to please the taste of even the most discriminating smoker.

Most travel humidors are made of extremely durable plastic, designed to withstand the rigors of being moved about and for its lightweight portability.

Travel humidors now meant that a society that is becoming increasingly more mobile as a result of the prevalence of automobiles and air is no longer demanded to choose between having a perfect cigar and being tied to home or having to leave behind one’s favorite pastime to travel.

Travel humidors are also an inexpensive addition with many functional travel humidors costing less than $30. The internet is an excellent way to research the different styles and brands while also finding the least expensive style that will meet ones requirements. Humidors provides detailed information on cigar humidors, travel humidors, and humidor plans. Humidors is the sister site of Cigars Web.

Written by: Dave Lavinsky

ALASKA - BRIEF TRAVEL GUIDE

2009-10-06T13:53:00.002-07:00

Explore the true North, the land of spectacular scenery, abundant wildlife and friendly hospitality.
WHAT TO SEE, TO DO AND WHERE: Mount McKinley is the highest mountain in North America (6,194 m or 20,306 feet), 150 miles from Fairbanks. Mountain climbing season is very short because of cold weather, strong winds and avalanche hazards. Nearly 1,000 people each season attempt the mountain, the best climbing conditions are in June.The peak is located in Denali National Park that offers superb mountain scenery and incomparable wildlife viewing, from 400-kg (900 lbs) grizzlies to Alaska state birds, willow ptarmigans, from Dall sheep to porcupines. Many visitors come to Alaska in winter to see Aurora Borealis when Northern Lights glow in all its glory. Birdwatching is also very popular among Alaska visitors, over 250 bird species inhabit the area, especially the southwest region. You can find all Grizzly fishingAlaska nature watch viewing sites including detail maps here. Whale watching boat trips allow the visitors an opportunity to observe and photograph Beluga, Orca, Humpback and Gray whales, along with many other marine mammals, in their natural environment. Available Alaska whale watching tours are listed by geographic region here. There many miles of trails for backpackers- from the pristine glaciers and fjords of remote Wrangell-St Elias National Park to the famous Chilkoot Trail where you follow the footsteps of the Klondike gold prospectors on this demanding 33-mile route near Skagway. It is a difficult hike and usually takes three to five days. The Alaska Trail system has over 40 both land and water-based trails with recognized recreational, scenic, and historic value. If you travel by RV or motorcoach, you need to know where to camp. Alaska RV parks index comes in handy. Do not also forget to visit Talkeetna - every Alaska visitor's favorite small town is the base for superb flightseeing trips around Mount McKinley. Alaska's capital Juneau is worth seeing. Founded as a roughneck mining town in 1880, Juneau is very much urbane these days. The city is also close to breathtaking glacier lookouts. If you enjoyAnchorage city driving, challenge the lonely Dalton Highway , a 500-mile road leading from Fairbanks to the Arctic Ocean. On the way you can try recreational gold panning on any Federal stream segments along the Dalton highway south of Atigun Pass. For those looking for downhill skiing opportunities, Alyeska Ski Resort, located 40 miles south of Anchorage, offers 3 double chairs, 2 fixed quads, 1 high-speed detachable quad and a 60-passenger tram to move you 840 m (2,800 feet) above scenic landscapes. For cross-country skiing fans Alaska's many trails are available to trek through mountain valleys or to ski beside the ocean. Annual sled dog races (dog mushing) is Alaska's official sport that attract participants and spectators from all over the world. The most famous race, Iditarod, runs for 1680 km (1,049 miles) from Anchorage to Nom and lasts 9 days starting on the first Saturday in March. Throughout the year many Alaska's communities host festivals and carnivals, there are interesting events for everyone. One of them is World Ice Art Championships held at Fairbanks in February-March where competitors carve magnificent sculptures from blocks of ice. Among other outdoor activities we would like to mention are boating on Alaska waterways, snowmachining and ATV-ing. We also devoted three separate web pages to Alaska sport fishing , hunting and sightseeing cruises.
WHEN TO GO: Alaskan summers are cool, the average temperature is +14 deg.C (58 F) in summer and -12 deg.C (11 F) in winter. It receives midnight sunshine in May- July and goes into 24-hour darkness during the part of winter. May to September are the best months to visit for warm time activities. You can check next week weather forecast for Anchorage here.
GETTING THERE: There are many direct or one-stop flights from major US cities. The largest Alaska's city, Anchorage, is under 4 hours from Seattle by air. Anchorage is 2,463 road miles from Seattle, 3,608 miles from Los Angeles. It is more convenient to fly to Anchorage and rent a car or RV on the spot. To travel by water you can take a cruise to Alaska or use the Alaska Marine Highway Ferry .
TRAVEL TIPS: Northern weather can be unpredictable. Consider taking with you and wearing multiple layers of clothes in response to a wide variety of temperatures and weather conditions. Alaska is more expensive than most other states: apart from two dozen hostels there's little budget accommodation, and eating and drinking will set you back at least twenty percent more than in the Lower states. Still, experiencing Alaska on a low budget is possible, though it requires planning and off-peak travel. From June to August room prices are very high. May and September, when tariffs are relaxed and the weather only slightly chillier, are just as good times to go, and in April or October you'll have the place to yourself, together with a smaller range of places to stay and eat. Winter months are becoming increasingly popular, particularly for the spectacular aurora borealis . At this time of year hotel rates drop by as much as half.
For many useful links on travel to Alaska visit us at www.travelmake.com
We wish you a nice and safe trip!

About the Author

TravelMake.com - one of leading online discount travel agencies, a source of useful travel information. Visit us at www.travelmake.com

Written by: TravelMake.com

10 Smart Shopping Tips To Protect Your Family From Getting Sick

2009-10-06T13:53:00.001-07:00

Prevention of food poisoning starts with your trip to the supermarket. Here's how to start off safely.

1. Pick up your packaged and canned foods first. Buy cans and jars that look perfect. Don’t buy canned goods that are dented, cracked or bulging. These are the warning signs that dangerous bacteria may be growing in the can.

2. Look for any expiration dates on the labels and never buy outdated food. Likewise, check the "use by" or "sell by" date on dairy products such as cottage cheese, cream cheese, yogurt, and sour cream and pick the ones that will stay fresh longest in your refrigerator.

3. Check eggs, too. Choose eggs that are refrigerated in the store. Before putting them in your cart, open the carton and make sure that the eggs are clean and none are cracked or broken.

4. Raw meat, poultry, and seafood sometimes drip. The juices that drip may have germs. Keep these juices away from other foods. Put raw meat, poultry, and seafood into plastic bags before they go into the cart. Separate raw meat, poultry, and seafood from other foods in your grocery shopping cart and in your refrigerator.

5. Don't buy frozen seafood if the packages are open, torn or crushed on the edges. Avoid packages that are above the frost line in the store's freezer. If the package cover is transparent, look for signs of frost or ice crystals. This could mean that the fish has either been stored for a long time or thawed and re-frozen.

6. Check for cleanliness at the meat or fish counter and the salad bar. For instance, cooked shrimp lying on the same bed of ice as raw fish could become contaminated.

7. When shopping for shellfish, buy from markets that get their supplies from state-approved sources; stay clear of vendors who sell shellfish from roadside stands or the back of a truck. And if you're planning to harvest your own shellfish, heed posted warnings about the water's safety.

8. Pick up milk, frozen foods, and perishables (meat, poultry, fish) last. Always put these products in separate plastic bags so that drippings don't contaminate other foods in your shopping cart.

9. Drive immediately home from the grocery store. This will give cold or frozen food less time to warm up before you get home. If the destination is farther away than 30 minutes, bring a cooler with ice or commercial freezing gels from home and place perishables in it.

10. Save hot chicken and other hot foods for last, too. This will give them less time to cool off before you get home.

Terry Nicholls is the author of the eBook "Food Safety: Protecting Your Family From Food Poisoning". For more tips like these, and to learn more about his book, visit his website at http://tinyurl.com/3fr2t

yourguides@cogeco.ca

Written by: Terry Nicholls

10 Inside Tips to Saving Money and Making the Most of Your Retail Shopping Experience

2009-10-06T13:52:00.000-07:00

In addition to running my regular consulting business, I also work part-time as an Ad Set Supervisor for a national retail store. During this time I have learned many of the ins and outs of the retail business and how to get the most bang for my buying dollar. If you follow these same ten tips I guarantee that you too will save more money. Following are ten of the best inside tips I’ve learned about the retail world since becoming part of it.

1.How to Get the Best Clearance Price in Stores
In most retail stores, clearance is marked down at the beginning of the month. And for stores that use the tiered clearance system, where items fall in price as the month progresses, you will find that the best time to get the lowest price for a clearance item is toward the end of the month.

2.Yellow Tag, Red Tag Clearance Method - When the Best Price Isn’t Always the Final Clearance Price
Stores that use the yellow tag to red tag clearance method also use a tiered system to incrementally mark down items on clearance. Generally, items are placed on clearance at the beginning of the month and will be gradually marked down as the month progresses. Any remaining yellow-ticketed items are then red ticketed for final clearance at the beginning of the following month. Because this system is percentage based, when the yellow-ticketed price drops to its lowest percentage off (usually 50% off the yellow-ticketed clearance price) makes this the best item to buy. This way you can save as much as 80% off the regular price of an item. However, if you wait until the same item is red-ticketed for final clearance, you will pay a higher price and only receive about 50-60% off the regular price. This is a clearance strategy used by many major retailers.

3.Too Early/Too Late For a Great Sale – Not Anymore
Most retail stores have an unpublished policy that allows customers to receive the sale price for an item either a day before or a day after the begin and end dates of an advertised sale. You just have to ask to receive the sale price.

4.Price Adjustment – Too Late, Not Necessarily
Most retailers have a published policy allowing customers a specific timeframe to receive price adjustments and an unpublished policy that actually extends this timeframe anywhere from 7 to 14 days. Even if you are outside the official timeframe for a price change, make the request, as most stores will honor the adjustment based on the unpublished policy and because they won’t risk losing a customer.

5.Buy One, Get One Free and Buy One, Get One ½ Off Sales (BOGO) – Great for the Retailer, Bad for the Customer
The national retail store I work at part-time as Ad-Set Supervisor usually has a Buy One, Get One Free, and Buy One, Get One ½ Off Sale, also know as BOGOs, twice every sale cycle (12 weeks). It always amazes me how many people flock to the store for these sales because in the retail industry, these are known to be one of the worst sales for customers. How? By breaking the numbers down one can quickly see just what I mean. Let’s say you need a pair of jeans and find that there is a BOGO sale at your favorite store offering you ½ off the second purchase. If you paid $20.00 for the first pair and $10 for the second pair (since it was ½ off) your total purchase amount on two pairs of jeans is $30.00, with an overall savings of $10.00 or 25%. But more than likely, these same jeans usually go on sale for 30 to 40% off during one of the store’s regular sale events. That means if you had purchased these same jeans during a regular 30% off sale you would have paid $14.00 per pair or $28 for two pairs a savings of $12.00, or 30% off saving you an additional $2.00 than the BOGO Sale. At 40% off you would have paid $12.00 per pair or $24.00 for two pairs, or 40% off saving you an additional $6.00 than the BOGO Sale.

Buy One, Get One Free Sales are only good if you plan on purchasing two of the same items anyway. Otherwise, they force customers to purchase more than they had planned causing them to bring home two items they only wanted one of in the first place. A way around this dilemma is to shop with a friend or relative who intends to purchase the same type of item that you are going to purchase. Stores love these sales because it is a way of getting customers to spend more money, reduce store inventory quicker, and increase sales figures.

6.Shopping Day Savings Passes, Just Ask
Several national retail stores offer Shopping Day Savings Passes, coupons offering the customer anywhere from 10-20% off every purchase made throughout that day. These “savings passes” are available at customer service desks. All you need to do is ask. One large retailer that offers these passes is Macys.

7.Those People with the Scanners – They Know More Than You Think
Ever go into a store and see some of the associates with a scanner scanning items? Well, more than likely those are “Ad Setters” responsible for placing sale signs for upcoming sale events. Almost every store has an Ad Set Crew. Some stores have the Ad Set Crew set ads for upcoming sales after store closing. Most, however, have the Crew start setting ads a few hours prior to closing. Shop during these hours and seek these people out. Why? They are the most knowledgeable about what store sales are the best for customers and when these sales are going to occur since they know about upcoming sales weeks in advance. If you are wondering if an item you are interested in purchasing is cheaper during the current sale or cheaper during an upcoming sale, they can usually scan it and tell you. I have helped countless customers save this way and then proceeded to tell them about the day prior, day later rule covered in tip number three. Most regular sales associates don’t have this inside information about upcoming sales, nor do they have the ability to find out what upcoming sales prices are going to be on items - that’s why you need to speak to an Ad Setter.

8.Imperfections = Discounts, Even Packaging
Everyone probably knows about getting an additional discount on imperfect merchandise, but many don’t know that imperfect packaging gets the same discounts. The store I work at, like most stores, has a policy that allows at least an additional 10-20% discount on damaged items. Even if the only damage is to an item’s packaging, we gladly give this discount when someone asks. As a result, I have learned to purposefully seek out items that have damaged packaging and to always ask for this extra discount. To date, I have always received it. Being willing to purchase items with damaged packaging creates a win-win situation for both customers and the store: the store gets rid of slightly blemished items and customers save money.

9.Forgot Your Extra Savings Coupon – No Problem, Just Tell the Cashier
Many stores send out extra savings coupons to holders of their credit cards or loyal customers on their mailing list. Sometimes, however, customers get to the register only to realize that they forgot to bring their “Extra Savings Coupon” with them. If this happens to you, no problem, since most stores have a policy granting the discount to the customer anyway just by telling the cashier that you forgot your savings coupon.

10.The Clearance Merry-Go-Round
Most stores have what is called “back stock.” This usually refers to clearance items that have not sold during the previous season’s clearance sales. These items are placed in a designated area in the stockroom and then brought back out onto the sales floor during a store’s next seasonal clearance event. For example, January and February are two good months to find last season’s bathing suits on clearance in many stores. May and June are good times to find heavy coats and leather jackets at rock-bottom prices. I know our store does this routinely, and have found this to be true for several other major retailers as well.

I hope you are able to save tons of money as I have by using these ten tips. Prior to working in retail I would have considered myself a frugal and smart shopper but have since become even better and saved more. By learning the ins-and-outs of the retail world and by using these tips, I now pay less for brand-new brand-name clothing, shoes, accessories, and home goods than I had previously paid at thrift stores and I hope you do too. Happy Shopping and Saving!

About the Author

Jona is an instructional designer, web and graphic designer, and technical and business writer. When she isn’t working on client projects, she can be found updating her personal project, www.simpleandfrugal.com, a website dedicated to those seeking to simplify their lives. Jona has been practicing simple living/voluntary simplicity for over 10 years and is available for speaking engagements. Contact her at simplefrugal@fuse.net.

Written by: Jona E. Kessans (Simple & Frugal)

8 Tips to an Easy Holiday Shopping Experience

2009-10-06T13:51:00.002-07:00

8 Tips to an Easy Holiday Shopping Experience By Patricia Twitchell - The Teddy Bear Lady of Myrtle Creek The holidays can be one of the most exciting times of year and at the same time, one of the most stressful. To avoid unnecessary stress you can take a few simple steps to ease through the season with joy, ease and fun. 1. If you are going to shop - pace yourself. You don't have to get everything done in one trip. Set aside a short period of time over several days rather than trying to accomplish everything in one trip. For some people, this type of shopping is favorable to doing everything in one trip. 2. There are some personality types who find it less stressful to get all their shopping done in one shopping spree. They do better to complete all shopping in one trip. It saves the need to make several trips to the stores. This is a great way to avoid the crowds often associated with the holiday season. 3. Shop in smaller stores. You will avoid crowds by visiting small shops in quaint towns. Often, you will receive more personalized service due to the owner being the one to serve you. 4. Get your gifts wrapped as soon as you purchase them. This one tip can save countless hours of frustration. There are still shops that will take care of the gift wrapping at no additional cost. Even if you have to pay, the convenience alone may be worth it. 5. Write a list of people you plan to shop for. To avoid unnecessary debt put a dollar amount you are able to comfortably afford. Stay within your budget. Although a couple dollars here and there doesn't seem like much, it can quickly add up. 6. Be aware of misleading sale items. Often what may seem like a great deal really isn't. If you are buying a large ticket item, do some research before you go shopping. You can save an incredible amount of money by doing so. 7. Enjoy the experience. Often people get so caught up in the pressures of the holiday season they forget to enjoy themselves. Relax in the experience. 8. Remember, the holidays are all about sharing with others. It isn't about how big a gift you can give, In fact, your expression from the heart is the greatest gift you can give.

About the author:

Patricia Twitchell is the proprietor of Just Bears and Stuff, a unique shop for gift collectors located in Myrtle Creek, Oregon. Enjoy one of the best selections of Boyd's, Gund, Cottage Collectibles, Quarry Critters, Ganz and more. We can ship your gifts anywhere in the world. Get FREE gift wrapping with every purchase and receive "Beary Special Moments" a free online teddy bear facts and tips e-zine by visiting www.justbearsandstuff.com

Written by: Patricia Twitchell

7 Things To Know When Shopping Bird Cages

2009-10-06T13:51:00.001-07:00

Okay, most people are not informed enough to make a good decision when buying a bird cage. That's really not good, because if you're buying a good quality cage it isn't going to be cheap, and if you are paying a decent amount of money, you need to get the best product you can get for that money!

Knowing this, I have created the article: "7 Things To Know When Shopping Bird Cages"

1. Is the bird cage you are considering made of materials that are safe for your feathered friend?

Have you thought about the toxin levels of minerals like Zinc & Lead in the cage you are considering? This should be your #1 priority when looking for a bird cage. This is the first question to ask, and if you can't get a good answer, then move on. And this is the reason some cages are priced so much lower than others. Powder-coating on regular powder-coated cages has Zinc and/or Lead in it, that's a fact, but good manufacturers have taken the time to discuss this with vets and other experts to determine a safe level for these minerals and the top manufacturers demand that their cages are manufactured in a way that stays inside of these standards!

2. Is the bird cage you're considering large enough to keep your bird safe, content, and healthy?

This is a tricky dilemma when shopping for a bird cage, but here is the general rule of thumb; the bigger the better, as long as the bar spacing isn't too wide. So what is too wide of a bar spacing? Basically, you don't want your bird to be capable of putting it's head between the bars, because this can cause injuries or even death to your bird. But you also need to keep in mind that the bigger the cage the better because many studies have shown that the larger the cage, the healthier the bird. For a great chart that shows you what bar spacing & cage size is right for your bird click here. Do keep in mind that all bird's are not the same. Even bird's of the same species can be quite different sizes (for example, a mini Conure might fall into the Small Category & a regular-size Conure might fit into the Medium Category).

3. What is the "ease of cleaning" factor on the cage you're considering?

People constantly overlook this when shopping bird cages, but this is arguably the most important thing to consider (beyond the toxin levels in powder-coated cages). Let me explain why; when a cage is fairly easy to clean, it not only cuts down on the amount of time you spend cleaning, it also extends the life of your cage. If your cage is an extreme pain to clean and it takes many hours you will put off cleaning it for longer amounts of time and this will drastically reduce the life of your cage (especially a powder-coated bird cage). Bird droppings can become very erosive, and the longer they sit on your cage, the more damage can occur. Even the best brand name cages will only last 3-4 years if not appropriately taken care of. But on the other hand, a carefully cared for, high quality powder-coated bird cage can last 10+ years. So what makes a cage simple to clean? The #1 thing to watch for is a cage that is sturdy, but can be broken down in a matter of 2 minutes or less, without the need for any tools. All of the top brand name bird cages have this feature. Even if you don't need to break your cage all the way down, it's handy to be able to pull a portion of the cage off to clean it without having to get out the tools. Good quality cages literally snap in & out of place without the need for any tools at all!

4. Do not buy a bird cage to fit into a tight spot in your house!

And here's why; when you decide to squeeze a cage into a specific place in your house this almost always takes away from the well-being of your bird! Let me explain; birds are a lot like us, they want space, they want sunlight, they want to look around. I recommend getting a cage with wheels so you can move your bird from place to place and give them a change of scenery.

5. Does your cage stimulate your bird like it should?

The top two ways to give your bird stimulation on a daily basis are: toy hooks & playtops. There's no need to explain why toy hooks are stimulating, they just are! But the reason I'm so high of removable playtops is because of the fact that they can be pulled off your bird's cage and set in a spot that's away from the cage. This is just good for your bird. It not only gives the bird a change in scenery, it greatly encourages your bird to be active and possibly get some sunlight too.

6. What is the quality level of the materials used in the cage you are considering?

Avoid hollow bars! Especially if you're getting a medium to large bird. Any decent sized bird will bend or possibly chew through a hollow cage bar. If you're looking at a quality cage it will be constructed of steel (powder-coated ones should have steel underneath the powder-coat and stainless steel cages need to be 100% stainless steel, not plated or hollow) or iron. There is no such thing as a perfectly manufactured cage, but there is a huge difference between the quality levels. Respectable companies will include decent warranties against defects and they'll also insure your cage against possible damages when shipping it to you. And since there isn't a perfectly manufactured cage, you need to buy from a company that'll stand behind their product. Do not buy a generic bird cage, it will most likely come without a manual, without a tech support phone number, and without a decent warranty. A respectable company will hurry to make things right if you happen to have a problem.

7. Functionality, Features, and great attention to detail!

First time bird cage buyers typically aren't the type that worry about features, functionality, and attention to detail. They've never owned a bird cage and they don't know what to look for in a cage. Bird cages are the type of thing that "you don't go cheap twice". If you go cheap once, you'll be sure to never do that again! Here is a feature that is often overlooked: bird-proof door locks. You should get a cage that your bird can't escape from. Just think about what would happen if your bird escaped & was free the entire day while you're out! Here's one other practical feature that you will fall in love with; stainless steel bowls that are only accessible from outside the cage. This is a must have if your bird is a "biter".

And there it is! You're now more informed about bird cages than 99% of the shoppers out there trying to decide which one to get. You're now armed with the education you really should have to make an educated buying decision!

Note: This article can be copied and republished on other websites as long as it stays complete, isn't modified, and the active hyperlinks stay in place.

Please research bird cages more by visiting Everything Birds and looking at the content that's available there for their visitors.
About the Author

Dave Hermansen - An exotic bird lover & expert.

Written by: Dave Hermansen

7 Shopping Tips For Smart Affiliate Marketing ROI

2009-10-06T13:50:00.004-07:00

For affiliate Marketers (AMs) success is all about investing in effective advertising. That sounds simple enough. Except that, for every successful AM, there are dozens who never get past the "first base" of making an income (no matter how small) from their efforts.

Why not?

Because, no matter what the elements of any advertising campaign,one vital factor is knowing how to choose the best, most cost-effective products (advertising tools), for the investment dollar. In short, they need to learn how to shop smart.

While "smart shopping" is a term usually reserved for back-to-school moms or the choice of a ripe melon (in which case, the ladies definitely have it all over the guys in this segment of the business), for an AM to break out and start showing a profit, they must adopt the same, basic principles. They must find good, cost-effective, yet quality products and services.

Here, then, are the basics of smart Shopping, Affiliate Marketer-style:

1. THE WORLD (WIDE WEB) IS YOUR OYSTER No matter the service -- whether it's lead generators, auto-responders, links, ad trackers, you-name-it -- when looking for a product or service, enjoy the advantages of the competitive marketplace. In other words, shop around. The time is past of being blindly led, either by recommendations, past experience or, worst of all, habit. Realize the potential and look around because every day, just as in any other aspect of the internet, new advertising competitors are joining the ranks, with fresh ideas, competitive pricing, new or better offerings. For example, while many still swear by such lead generators as Lead Factory and Cutting Edge Media, SimplerLeads.com has stepped in to offer true high-quality, double opt-in leads, plus offer their own auto-responding system and auto-mail system for true auto-pilot access-- all at rates lower than the competition.

2. INVEST NOW, IT PAYS LATER Invest the time now to research and study the various companies and it will pay off richly later. Pick a few different companies, research them, get familiar with the various features of all of them. Or, even more importantly, features that some companies have while others don't.

In doing all this -- and, yes, it often takes a week or two -- a marketer not only benefits from the education, but can can also gain a clear perspective of what's available and a product versus pricing comparison.

3. ASK AWAY-- EMAILS TO CUST SVC Never be afraid to ask questions. Even stupid ones. It's all part of the educational process. And that's what Customer Service -- bless their CS little hearts! -- are there for. And, too, CS gives a marketer a good idea of the quality of the company. It a good idea to note their turn around time. By and large, companies go out of their way for their newest and/or prospective customers. So if their response is anything less than stellar, keep looking. After all, if they treat new customers shabbily, how will they treat existing customers. Note, however, two things about CS: 1) They MAY have a good reason for a poor response rate (such giving preference to existing customers); 2) Never bother a company with truly silly questions. Don't, for instance, ask their cost, when it is clearly visible. Find questions that are relevent and genuinely add to your information. Then wait for the response.

4. NOTES, NOTES, NOTES While it sometimes happens that one company stands out among the rest, it's more common for the differences to be slight or the offers varied enough to leave a marketer dizzy. So note-taking becomes essential in the research process. For anyone who never kept good notes in school, the marketing version is simply a matter of deciding on the key factors in the proposed business, then keeping track of those factors from prospective business to business.

5. COMPARE COST VS. SERVICE This is when those notes become elemental in the process. Once several different companies have been explored and notes compiled, it simply becomes a matter of choosing which company offers the best product/service for the money.

6. TRIAL PERIOD Once chosen, the process is far from complete, however. As the old saying goes, "the proof is in the pudding," meaning that a marketer will see how a company/service performs only once they begin using it.

The next step is to follow a company closely for the first 1-3 weeks, making a note of any problems, delays, etc., that might arise. This doesn't necessarily kill a company's possible success, but a bad experience at this point does not bode well.

If there is a continued or repeated problem, the company should be re-evaluated, based on the new information.

7. REGULAR REVIEW Okay, so the AM has all the marketing they need, the business is well-established and the advertising has performed well. The AM's smart shopping has been successful and the job is done, right? Wrong.

As mentioned in Tip #1, above, the market is constantly changing and so are the advertising options available. Plus, while a company may perform well initially, their performance could change. Sometimes those changes are sudden and dramatic. But more often they experience a gradual decline that only becomes discernable when analyzed overa period of time.

So, unless a marketer decides to *opt-out* themselves, it is essential to continuously monitor and regularly review their advertiser's performance. And, when necessary, begin the process of smart-shopping all over again.

Does it ever end? Expert marketers know this is just one part of the on-going process known as affiliate marketing.
About the Author

Marige O'Brien has worked as a writer, web designer and, most recently, affiliate marketer. Her own website can be found at www.trackermo.com, where she actively lists the best opportunities and affiliate tools available.

Written by: Marige O'Brien (Tracker MO)

Bad Credit Auto Loan Refinance - Bad Credit Auto Refinance Tips

2009-10-06T13:50:00.003-07:00

Most people know that it is possible to refinance their homes but did you know it is also possible to refinance your auto? Indeed for many people who have high interest sub prime car loans, refinancing their auto loans may be a wise decision. How do you know when refinancing your bad credit auto loan might be a good idea? And once you have decided to refinance, how should you go about doing it so that you actually improve your loan situation?

Just as when you refinance your home loan, when you refinance your auto loan the old loan is paid off in full and it is replaced by a new loan. If when you bought your car your credit score was below 620, the interest rate on your auto loan may be significantly above the interest rate you can qualify for today. By refinancing your bad credit auto loan the monthly payment may go down substantially. Also, over the life of the loan you may save several thousand dollars in interest payments.

You may be a candidate for an auto loan refinance if

Your car loan has become "seasoned"; that is, if you have had it for at least a year.

You have made your payments in a timely manner.

Your car's value is more than the amount you owe on it.

If all of the above statements are true, then it may be time to investigate refinancing your car.

First, make sure you are fully aware of the state of your current credit report and current credit rating. Both of these are easily available online. You are entitled to one free credit report each year. Your current credit score (FICO score) should also be available for a nominal fee.

Second, find out your car's value. Having your car appraised is not a requirement for refinancing your auto loan but you should know its value. Most auto loan refinance companies require that your loan be at least $7,500 so your car value must be at least that amount. At your local bookstore and online there are many resources for estimating your car's worth. Two of the most popular sources are the Kelley Blue Book and Edmunds Buyer Guides. Be sure and have a realistic eye when surveying your car's condition, you can be sure your lender will.

Third, research the available lenders. It may be that your current lender will be open to refinancing your car. However, you should shop around for the institution that will give you the lowest interest rate and refinance as small an amount as possible. When these two conditions are met you will then also get the lowest monthly payment available.

Fourth, as with any loan, have all offers put in writing. Take the time to read the fine print and compare the proposals.

Finding a lender to refinance your bad credit auto loan may take some time and effort. The savings to your pocketbook every month and over the life of the loan, however, can easily make the time and effort worthwhile.

About the author:

Carrie Reeder is the owner of www.abcloanguide.com, an informational website about various types of loans. View her recommended Bad Credit Car Refinance lenders.

Written by: Carrie Reeder

Bad Credit: A Personal Finance Nightmare

2009-10-06T13:50:00.001-07:00

Unfortunately, those people who have poor credit ratings, even those who are trying to reform their ways, are rarely taken seriously when trying to conduct normal transactions.

A bad credit rating can make it exceedingly difficult to get important financing, such as car loans, mortgages, and credit cards.

Fortunately, a bad credit rating doesn't mean that all hope is lost just yet. You may wish to look into credit repair agencies that will allow your to fix bad credit related issues.

About the author:

Jeremy Maddock is the webmaster of FinanceFacts.info, a useful source of finance articles.

Written by: Jeremy Maddock

Auto Refinancing Guide - How to Refinance Your Car Loan

2009-10-06T13:49:00.002-07:00

At some point in a person's life they come to a conclusion that they are paying more for something than they should. If you wish to break out of this cycle and refinance your car loan therefore saving you thousands of dollars in interest and high rates then you are welcome to. Why should you be taken for a ride by a finance company that wants to take advantage of your situation? Don't put up with this and take your finance into your own hands and read what we have to say about refinancing your car loan so you can stop wasting time and start saving money today! Follow our simple guide to finding a refinance plan to suit you and your lifestyle. Over the years we have received letters from disturbed people who are trapped into paying high fees. We have uncovered a way to help people get out and put a balance back in to their life.

When you apply to refinance your car loan the best you can do for yourself is to alter the terms of the agreement to whatever suits you. If you wish you can shorten the repayment period or reduce the amounts paid out by stretching out the loan over a longer period and this can lower the APR rates at the same time. The first thing you need to ask yourself is, will I save money if I refinance my car loan? It can be quickly determined with factors that include the time remaining on your loan, the amount repaid and the existing conditions, these will determine if you should go ahead with refinancing. If you end up better off then you should apply for refinance.

There are many things that you need to look for when you are applying for refinance. The biggest reason to obtain refinance for a car loan is the thousands that will be saved on the interest the previous loan is costing you. Often the reasons a person may be trapped in their current finance situation may be due to pressure from a car dealer to buy a car on finance. Another example is when a person who may have poor credit history jump into a loan with high interest rates as this was the only option at the time. Later on it is only discovered, after the contracts have been signed, that the APR is considerably high. They may then realise that they cannot afford to make these repayments or had not taken the time to calculate the repayment costs through the excitement of buying a new car.

The best time to apply for refinance is when you want to change the amount of your repayments, either making them less or paying more each month and paying the loan off sooner. If you want to stretch your loan out over a longer period to keep more money in your pocket then we suggest applying with a specialised refinancing company to sort out your needs. Whatever your reason for wanting to change your repayments, check out your options of refinacne companies and compare interest rates, special terms and conditions so you don't get caught out. The amount of money that will be saved depends on your loan, the period chosen to pay it off your new loan and any other residing factors. Many people have saved from $500 to $3000 and upwards. Rethink your options if you are unsure about refinancing and then you can make a secure step to obtaining financial stability in the near future. If you want a refinance company with great service, competitive interest rates and good terms then we recommend asking your friends for companies they may have deal with in the past.

http://www.provincer.com

About the author:

Claire is an expert on all auto refinancing issues having operated a website on the subject for several years, helping countless people refinance their loans and save money in the process.

Written by: Claire Calkin

Auto Refinance Secrets: Refinance Your Car Loan And Save Every Month

2009-10-06T13:49:00.001-07:00

Refinancing your auto loan can be a easy and effective way to lower your monthly payments and save you a good deal of money in the long term. Huge numbers of people are taking advantage of refinancing in the face of much lower interest rates. If you think you are paying way too much money on your loan each month (and who doesn't?) then based on the amount of time left on your lease, and the rate of the interest you signed at, refinancing may be the way to go.

It's always frustrating when you sign on to a loan at a fixed interest rate and then see the interest rates steadily drop around you, while you're still stuck with the forking out the same high percentage payment every month. When you refinance your auto loan, you do so to save money by paying a reduced rate of interest, which, if you still have a few years or so to pay off the loan, can end up saving you a bundle of money. Basically, the new lender takes care of the difference of paying off the original interest rate, while you continue paying the car off to them at a reduced rate. The title to your car is then transferred to them, and the time it takes you to pay off the ever-increasing cost of owning an automobile these days is drastically reduced.

It is important for you to be well aware of the term of your current auto loan contract so as to maximize the amount of money you can end up saving. It may be the case that you don't mind making your payments at the interest rate you are currently fixed at, and yet still want to be shelling out less per payment than you are right now. If this is true for you, then your best plan of action is not to refinance your loan, but to extend the term of your payment agreement, so that you can minimize monthly payments. Of course, this means that, over an extended period of time, you will still end up spending a large amount of your hard earned money on the interest rate of the contract.

With interest rates currently at noticeable lows, auto refinancing is becoming more and more the wise decision. As it stands right now, if you have a significant amount of time remaining on your loan contract, and you signed on to that contract when interest rates were unfortunately high, then it is definitely worth your time to research and compare the rates at a lending companies, so as to take advantage of getting in an auto loan contract, while the interest rates continue to be low http://www.springfieldsocialist.com/category/automotive-comm ents>http://www.springfieldsocialist.com/category/automotive-comm ents. Of course, you can research most of this auto loans onlin information, with not a huge degree of effort, and you may just find that is an effort that will pay out nice dividends in the future.

If making preliminary calculations sounds like a hellishly tedious mathematical trial, then your best to cut straight to the middleman and talk to a broker who can work to find you the best loan possible. But any way you go about doing it, refinancing your auto loan can be a wise decision, and worth looking into.

About the author:

I have an extensive background of dealing directly with Auto Refinancing and am now offering my free professional Auto Refinancing Advice to the public.

Written by: Christopher M. Luck

Auto Refinance

2009-10-06T13:48:00.002-07:00

You have probably heard of auto refinance before. Or simply refinance.
The term "refinance" actually refers to a financial situation wherein a
borrower finds financing to pay off a current loan. Refinance is often put into
practice in home buying. In fact, refinancing is one of the most popular
methods of getting financing for a home loan.

With auto refinance, the same thing applies. Auto refinance is basically
paying off one loan with a new loan. The goal of auto refinance is to allow the
borrower to save some money from your monthly loan obligations. And as such, it
is one of the best kept secrets in the financing industry. For years now,
people have refinancing their homes and saving thousands of dollars. However,
the practice of refinancing car loans has yet to be indulged by most. Why?
Perhaps the reason is that auto loans generally behave differently from home
loans and people are naturally skeptical about new methods. Regardless, auto
refinance is still a good choice, provided that the situation is right.

When to get an Auto Refinance Loan

The only way for auto refinance to work is if you get it when the
interest rates are low. Mortgage rates tend to move with interest rates.
Therefore, if interest rates are low, then it's likely that mortgage rates are
low also. Low mortgage rates typically mean low monthly repayments and this
then is the situation you should aim for.

Only few people really understand the time value of money. Keep in mind
that the longer you pay for a loan, the bigger amount of money you actually
spend for it. Thus, by the end of the loan period, you would have paid more
money on interest than on the principal. This is why auto refinance is
important for it is one of the few methods that could help you minimize loan
costs and maximize your savings.

Who can benefit from Auto Refinance?

Almost anyone with a loan to his name can benefit from auto refinance.
Even car buyers with bad credit can obtain auto refinance as a way for them to
lower down their APRs. Let's say, for instance, you make an auto refinance loan
for $16,500 on a new Honda Accord. At the end of six months, you agree to pay
off the amount at 21% APR. So for a few months, this will be your monthly loan
obligation.

Then, you decide to take an auto refinance loan. However, this time,
your loan ate is at 6% APR. Your current monthly payment is $446 which gives
you total interest charges of $10,283 at the end of your loan period. Your auto
refinance loan offers you a monthly payment of $319 with total interest charges
of $2,639. Thus, by refinancing, you can save up to $7,600.

Tony Forster has a keen interest in living debt free having been "up to his ears" before realizing the need to take control. He has compiled an online financial article resource at http://www.loan4payday.info

Written by: Tony

Computer Certification: Anticipation vs. Nervousness

2009-10-06T13:48:00.001-07:00

When you wake up on exam day, one of two things is going to happen. Well, yes, you're going to pass or fail. But what I'm thinking of comes before that, and has a lot to do with how you perform on exam day.

You're either going to have a tremendous feeling of anticipation or the dreaded feeling of being nervous about it.

Anticipation is a great thing to feel on exam day. You're driving to the exam center, excited about the exam. You're much like a football player, slapping another player on the helmet or the shoulder pads before the game starts. (Warning: Don't try this on the exam proctor.) You know there's a challenge ahead, but you're looking forward to it. In your mind, you're already victorious you're at the testing center only to make it official.

Conversely, there's nothing worse than being nervous or feeling unprepared before the exam. I've driven up to an exam center and seen exam candidates doing some last-minute cramming in their car. Sadly for them, if there's something you were unprepared for at 8 AM on exam day, you're still going to be unprepared when you go into the test center, no matter what you read in the car at the last minute. You don't see football players studying their playbook on the sideline before the game starts.

It's all about preparation. I regularly tell my students and customers that you don't pass a Cisco exam (or any other vendor exam) the day you take it. You pass when you turn the TV off for weeks before the exam to study you pass when you spend time and money to attend a class or buy a book or training video you pass when you give up a weekend to get some hands-on experience. That's when you pass. The exam score you get is simply feedback on your exam preparation.

There's a great saying "Prior Preparation Prevents Poor Performance". That describes to a "T" what your strategy to pass the exam must include. Put the time in well before exam day and you'll reap the rewards on the big day. If you're just planting the seeds of knowledge in your car the morning of the exam, don't expect much of a harvest.
About the Author

Chris Bryant, CCIE #12933, is the owner of The Bryant Advantage (http://www.thebryantadvantage.com), home of free CCNA and CCNP tutorials! For my FREE "How To Pass The CCNA" or "CCNP" ebook, write to chris@thebryantadvantage.com !

Written by: Chris Bryant, CCIE #12933

Computer Cases: The Basics

2009-10-06T13:47:00.002-07:00

A computer case (also known as the computer chassis, box or housing) is the enclosure that contains the main components of a computer. Cases are usually contructed from steel, aluminum or plastic although other materials (such as wood and perspex) have also been used in case designs.

Size and Shape of Computer Cases

Cases can come in many different sizes or "form factors". The most common form factor is ATX, although small form factor cases are becoming popular for a variety of different uses.

Cases are often said to come in "towers" (such as mini tower, mid-sized tower and full-sized tower)", "desktops", "pizza boxes" (also called flatbed or (horizontal) and "slim desktops" that uses the LCD like housing. Tower cases are taller and typically have more room while desktop cases are more compact and are more popular in business environments.

Small form factor cases are a variety of cases that are coming more and more common. Companies like Shuttle computers and AOpen have been producing such cases and Mini-ITX is the most common motherboard designed for these cases. Apple Computer recently announced its Mac Mini computer, which is around the size of a CD-ROM drive.

Computer Case Functions

Cases usually come with room for a power supply unit, several expansion slots and expansion bays, wires for powering up a computer and some with built in I/O ports that must be connected to a motherboard.

Motherboards are screwed to the bottom of the case, its I/O ports being exposed on the side of the case. Usually the power supply unit is at the top of the case attathed with several screws. The typical case has four 5.25" and three 3.5" expansion bays for devices such as hard drives, floppy disk drives and CD-ROMS. A power button (and sometimes a reset button that can be turned-on and off using a remote control) are usually located on the front to turn the computer. LED status lights for power, hard drive activities are often located near the power button which are powered from wires that connect up to the motherboard. Some cases come with status monitoring equipment such as case temperature or processor speed monitor which appear on an LCD on the side.

A panel on the side, covers up and protects the inside of the computer when being used, which usually slides on and held with a screw. Most cases require a large amount of screws to put together. Recently there has been a move to "screwless" cases, where cases are held together with other methods than screws.

The Many Looks of Computer Cases

Traditional designs were beige in color and were rectangular (often referred to as "beige box"), but they have evolved in style in recent years, especially after the introduction of the iMac in 1998. Beige box designs are now typically found on budget machines.

The term "case modding" refers to the artistic styling of otherwise rather functional and plain computer encasings. There is an increasing demand for more functional and radical designs on computer cases and in the future computer cases may look very different from now. Companies such as Alienware are known for unusual cases.

Stickers are a common appearance on cases. These often include the computer manufacturer's logo and the computer's specifications (CPU, RAM, Hard drive, etc). Other stickers include the operating system (such as "Designed for Windows XP") and processor (such as the famous "Intel Inside" sticker).
--- Paul LoIacono is the president and owner of ATX Cases. You can see a wild array of computer case shapes, sizes and designs by visiting http://atxcases.com.

Written by: Paul LoIocano

Computer Case Modding

2009-10-06T13:47:00.001-07:00

Case modding is the artistic modification of a computer chassis (often just refered to as the case), often also involving peripheral components. Many people, particulary hardware enthusiasts use case mods to illustate a computers power. The terminology "mod" is short for "modification."

Computer Cases History

When personal computers hit the mainstream, most of them came in a case in the color of beige. This functional design was often called a beige box Although this served the purpose of containing the components of a personal computer, as time wore on, many users found their computers to be "tacky" or "dull" due to the lack of originality in the case design. So to solve this, some users began to modify their existing chassis or build their own.

Later, Case Modification became mainsteam when the Apple iMac was released, which went against the beige box design around at the time. Since then many computer manufacturers began selling cases that lack the dull beige base color. Case Modification has also opened up a new market for 3rd party computer cases to continue the break from the average case. Beige cases are now becoming harder to find since users enjoy the larger variety of colors and styles of current OEM cases.

LED technology and Computer Modding: Things you should know when lighting your computer

Physical function
An LED is a special type of semiconductor diode. Like a normal diode, it consists of a chip of semiconducting material impregnated, or doped, with impurities to create a structure called a pn junction. Charge-carriers - electrons and holes flow into the junction from electrodes with different voltages. When an electron meets a hole, it falls into a lower energy level, and releases energy in the form of a photon as it does so.

LED Light emission
The wavelength of the light emitted, and therefore its color, depends on the bandgap energy of the materials forming the pn junction. A normal diode, typically made of silicon or germanium, emits invisible far-infrared light, but the materials used for an LED have bandgap energies corresponding to near-infrared, visible or near-ultraviolet light.

Considerations in use of LED lights in computer cases
Unlike incandescent light bulbs, which can operate with either AC or DC, LEDs require a DC supply of the correct electrical polarity. When the voltage across the pn junction is in the correct direction, a significant current flows and the device is said to be forward-biased. If the voltage is of the wrong polarity, the device is said to be reverse biased, very little current flows, and no light is emitted. Most LEDs have low reverse breakdown voltage ratings and will be damaged by an applied reverse voltage of more than a few volts.

Because the voltage versus current characteristics of an LED are much like any diode, they can be destroyed by connecting them to a voltage source higher than their turn on voltage. A good LED driver circuit is either a constant current source or an approximation to a current source made by connecting the LED in series with a current limiting resistor to a voltage source. The voltage drop across a forward biased LED can change significantly based on current flow.

Parallel operation is generally problematic. The LEDs have to be of the same type in order to have a similiar forward voltage. Even then variations in the manufacturing process can make the odds of satisfactory operation low. For more information see Nichia Application Note (http://www.nichia.co.jp/specification/appli/electrical.pdf).

Some LED units contain two diodes, one in each direction (that is, two diodes in inverse parallel) and each a different color (typically red and green), allowing two-color operation or a range of apparent colors to be created by altering the percentage of time the voltage is in each polarity. Other LED units contain two or more diodes (of different colors) arranged in either a common anode or common cathode configuration. These can be driven to different colors without reversing the polarity. --- Paul LoIacono is the president and owner of ATX Cases. You can see a wild array of computer case shapes, sizes and designs by visiting http://atxcases.com.

Written by: Paul LoIocano

Computer Career

2009-10-06T13:46:00.002-07:00

Computers have officially become a necessity in this 21st century, and with this technology boom comes the growing availability of a computer career. If you are looking for a computer career, your range of options is immense. While a few years ago a computer career was restricted primarily to programming, the range of options has grown as computers are now used in almost every industry today.

Most commonly associated with a computer career is the computer programmer job. However, today, if you are looking for a computer career as a computer programmer, you also have options within the career itself. You can be an applications programmer, writing software to handle specific tasks, or a systems programmer, who controls how the software is used. Some employers want a programmer with a B.S. in Computer Science, but you can get started in a computer career as a programmer with a two-year degree or certificate.

If you are a more creative individual looking for a computer career, you may want to consider becoming a web designer. Many companies are looking to offer qualified and creative individuals a computer career as a website designer. Website designers can work as freelancers, designing and maintaining websites for a variety of clients. Other website designers work to design, maintain, and update the website for one company. Another computer career for the art-focused individual is graphic design. Much of today's graphic design is done via computers, so it can be a lucrative computer career. Also, the web has opened up computer careers in website administration and e-commerce.

Many people believe that a computer career involves programming and designing software or websites, but a computer career can also involve using the computers for a purpose. For some people looking for a computer career means that they can work in the areas of data entry or technical writing. Many people find that they want a career working on a computer entering data or crafting words, but they may never need to get into the technical aspect of how the computer works. Training to find a computer career in data entry or writing ranges from four-year degrees to on-the-job training.

If you are interested in a computer career, and you want to get into a fast-growing computer career, you may want to consider getting into computer security. The range of career options when you work with computer security is vast. The government is concerned with keeping network information protected, and they often hire people who are interested in a computer career focusing on security. Many companies are also becoming aware that they need to protect private information, and training in computer security is key to finding a job in this computer career.

Read the rest of the article here: Computer Career.

Download the Home Based Business Manual (Free $97 Value!) and receive valuable tips, strategies and techniques designed to grow a very successful Home Based Business.

Charles Fuchs is an established Six Figure Income earner and one of the top online marketer's. He specializes in showing people the fastest way to Starting a business.

About the author:

Charles Fuchs is an established Six Figure Income earner and one of the top online marketer's. He specializes in showing people the fastest way to Starting a business.

Written by: Charles Fuchs

Computer Buying Advice For Novices

2009-10-06T13:46:00.001-07:00

Advice on buying computers

Computers come in many different shapes, sizes and formats and to the newcomer this must be very confusing. Here we will try to explain some of the jargon.

What is the difference between the £50 second hand PC and the brand new £500+ machine? Well the second hand PC would have been good in its day but the parts will be out of date and obsolete. This machine will never be able to carry out most modern day computing functions like audio or video editing and finding parts will be a nightmare. The money you spend on parts etc could buy you a new, up to date machine. Unless you only want to type up the occassional letter, these machines should be avoided.

Here we will try explain each computer part in detail

Case:

Most cases today will be in the ATX format although smaller, more compact cases (ITX / BTX) are becoming more popular especially for home theatre / media centre systems. If you plan to add more hardware in future like hard drives or CD/DVD drives then make sure you buy a case that has empty 5 1/4" spaces to support this. Otherwise you will have to transfer everything from your old case to a new one or cancel the upgrade.

**Important Points To Be Aware Of:

Full ATX mainboards will NOT fit in micro ATX cases

Mainboard:

These can be very confusing due to the amount and variations of hardware availible today. The main choice is between boards that support AMD processors and those that support Intel processors. An AMD processor will NOT fit a board designed for Intel processors and vice versa. Boards are usually identified by the type of processor slot/socket on them and this determines which type of processor they take. Here is a rough guide:

AMD Duron/Athlon - Socket A (Obsolete)

AMD 64 - Socket 754, 939

AMD 64 X 2, FX - Socket 939

AMD Sempron - Socket A, 754

Intel P3 - Socket 370

Intel P4 (Including Celeron) - Socket 478 (Becoming Obsolete), 775

Budget - Socket A, 754, 478

Mid - Socket 754, 775

Pro - Socket 939, 940

Hard Drive:

For normal everyday computing a 40 GB 7200rpm hard disk is fine. If you plan to store vast amounts of data then the bigger the better. It might even be worth while having an additional hard drive for extra storage and backups. As well as size, hard drives are also measured by their speed and buffer size. Common speeds are 7200rpm and 2MB or 8MB buffer sizes.

Newer Serial-ATA or SATA or SATA2 hard drives provide much faster data transfer and are becoming more of todays standard.

Budget - 40 - 80 GB 7200rpm 2/8MB Buffer

Mid - 80 GB+ IDE or SATA

Pro - 200GB+ SATA, SATA2

Memory:

Most memory today is of the DDR type and there are various specifications of this. DDR 400 is faster than DDR 266. Newer DDR2 memory is even faster again.

Budget - 256 MB+ DDR

Mid - 512 MB DDR

Pro - 1 GB+ DDR, DDR2

Systems are usually sold with a minimum of 128 MB memory although we recommend atleast 256 MB+ for Windows XP

Processor:

The brain of the computer and your main choice is between AMD and Intel although there are others from VIA / Cyrix. Processors also have cache memory and a bus speed. Again the higher the number the better the performance.

Budget - AMD Sempron 2600+, Intel Celeron 2GHz+

Mid - AMD Sempron 2800+, AMD 64, Intel P4 5 Series

Pro - AMD 64 FX or Dual Core, Intel P4 6 and 8 Series

Graphics:

For everyday computing or office work, on board graphics are fine. If you plan to play games, watch DVD's or do photo/video editing then we recommend getting a decent card. These cards have their own dedicated memory and the more memory the better. 2 standards of cards exist - AGP and newer, faster PCI - Express.

Budget - Onboard or cheap 64 MB+ AGP Card

Mid - 128 MB - 256 MB AGP

Pro - PCI - Express x 16 Card

CD/DVD Drives:

The basic is the CD-ROM drive which will only read CD-ROMs. Then there is the CDRW which can write data to blank CDRs. Then there is DVD-ROM drives which can read DVD disks. And finally there are DVDRW which can write to blank DVD media of atleast 4.7 GB in size.

Budget - CDROM, DVD

Mid - CDRW, CDRW/DVD Combo,

Pro - Dual Layer DVDRW

Monitors:

Again the bigger the better with TFT screens becoming more popular

Budget - 17" CRT

Mid - 15 - 17" TFT, 19" CRT

Pro - 19" TFT

Operating System:

Go for atleast Microsoft Windows XP Home. Windows 95/98/NT/2000 etc are things of the past and will only hamper your PC's performance and computing experience. Also these operating systems are not supported anymore.

Budget - XP Home

Mid - XP Pro, XP MCE 2005

Pro - Windows Server 2003

USB:

Used to connect a wide range of hardware to your PC and to each other ie printers, scanners, cameras etc. USB 2.0 is better and faster. All of our systems have atleast 4 USB2.0 ports.

Firewire:

The same idea as USB though not standard on every system.
About the Author

Stuart King I.T. Support Cyberia Systems http://www.cyberiasystems.co.uk

Written by: Stuart King

Car Accident Checklist: Are You Prepared?

2009-10-06T13:45:00.001-07:00

I've got a confession to make. I've been in a car accident before. Granted, it wasn't my fault at all (both my opinion and the insurance company's opinion). However, once it happened, I realized that I should have been better prepared for the car accident the day it happened. Since I realized this, I decided to make a checklist for things to have in case of a car accident. Here we go

1)Insurance Papers. Make sure you have your insurance papers ready to give to the other party in case they need to see them. These can also come in handy to give to the Police if they arrive on the scene of the accident. In some states, having car insurance is mandatory for the operation of a motor vehicle and you can be fined if you don't have any insurance. Make sure you insurance paperwork is in order before finding out that it is necessary to have.

2)Pen and paper. Guess what? Most people (myself included until recently) don't carry around the necessary equipment in order to write down the other party's information for insurance claim purposes. Make sure you buy some pens that actually have ink in them and some decent paper in order to write the driver's information. Stow these handy items in your glove box and you'll be ready.

3)Digital camera or cell phone camera. This can come in quite handy in the case of a disagreement of facts over what happened at an accident. After the accident happens, taking a few snap shots of both your vehicle and the other driver's vehicle can be great evidence if there is a trial or if either insurance agency tries to deny responsibility. A lot of the newest cell phones come equipped with cameras inside of them that can take and store a huge amount of digital camera photos. Use your cell phone camera to take some on the scene snap shots. There are a whole bunch of other important tips to keep in mind that make these look like the tip of the iceberg. Learn them all and you'll be prepared.

About the author:

Amy Metz is author of "Top Car Accident Tips." Grab your copy at http://www.caraccidentlowdown.com.

Written by: Amy Metz

Can You Write-off Your Car as a Tax Deduction? Maybe...

2009-10-06T13:44:00.004-07:00

You've heard it a hundred times: That shiny new car your buddy just bought? It doesn't really cost him anything. He writes off the car as a tax deduction.

Your first thought is usually, "That can't be right." Your second thought is, 'I got to figure out how to enjoy that loophole."

But what does the law say? And what are the rules for writing off vehicles? It turns out that you can write off the cost of buying and using a car if you're self-employed and use your vehicle in your business. Specifically, you can probably deduct the business portion of your vehicle expenses on your business tax return.

But this deduction is trickier than most people realize. Here's the first big thing that goofs many people up. You need substantiation to prove your business use. Ideally, in fact, the Internal Revenue Service wants you to keep a log of your business miles, your commuting miles, and your personal miles.

With this information, you can then either deduct an amount equal to the business miles times a standard per-mile rate of roughly $.35 or $.40 a mile (depending on the year)... or you can deduct the percentage of your vehicle expenses equal to the percentage that your business miles represent.

Note that only your business miles--and not your commuting miles or personal miles are deductible.

For example, if your business use equals 5,000 miles, personal use equals 3000, and commuting equals 2000 miles, your total miles for the year equal 10,000. Business miles as a percentage of total miles equal 50% because 5,000 divided by 10,000 equals .5 or 50%.

In this example, you could therefore deduct 50% of your fuel, 50% of your insurance, 50% of your maintenance and repairs, 50% of the car loan interest, 50% of the depreciation, and so on, as a business deduction. This means you can't ever deduct all the costs of owning and running vehicle--only the business use of a vehicle.

If you don't have exact records about your business use, you can sometimes use good sampling. For example, if you keep a good appointment calendar of your business activities, one popular tax reference suggests that you can look at the total business, personal and commuting miles driven during one week each month. Then, you can average this data to get good weekly estimates of your business, personal, and commuting miles. Finally, you can multiple these weekly estimates by 52 (the number of weeks in a year) to get reasonable estimates of your business, personal and commuting miles.

But before you go out and buy a new luxury auto, you need to know there's another complication. Congress limits in most cases the amount of depreciation or lease rental that you can include in your vehicle expense calculations. The rules are a bit tricky, but essentially, for purposes of vehicle depreciation and lease payments, you only get to look at the first $17,000 (roughly) of vehicle cost. In other words, if you buy a $60,000 vehicle and your friend buys a $15,000 vehicle, you may both have the same business depreciation expense--even though your vehicle costs four times what your friend's does.

One other related point: You may have heard about the sport utility vehicle loophole. This SUV loophole really does exist. Specifically, the luxury auto limits mentioned above don't apply to sport utility vehicles that weigh more than 6,000 lbs. Note that Congress partially closed that loophole in 2004, however, by saying that a special, super-accelerated form of depreciation called Sec. 179 depreciation can't be used to write off all of the cost of an expensive SUV in the year the vehicle is purchased.

About the author:

Redmond WA CPA & author Stephen L. Nelson is an adjunct tax professor for Golden Gate University's graduate tax school.

Written by: Stephen L. Nelson, CPA

Can you really get a free car?

2009-10-06T13:44:00.003-07:00

Can you really get a free car?

You may have heard rumours that you can get a free car. Well, this is not exactly true.

As the old adage goes, you can't get something for nothing and this holds true in this case.

You can however ALMOST get a free car.

Why do I say almost?

Because you are going to put your car in a job!

That's right!

Advertising companies are willing to employ your car to display logos, signs and almost any sort of fluffy toy that suits their marketing campaign.

You see, advertising space has become very crowded and advertisers in their wisdom have worked out that people actually pay attention when they are driving.

Otherwise they will crash. Now that's not rocket science is it?

Well, if you know anything about advertising you will realise that the first step of the Ultimate Advertising Mantra is.

ATTENTION.

And so we have the perfect advertising medium.

So yes it's true, they will pay you and in some cases you can actually cover your loan repayments, which means in effect.

You are getting a free car.

For even more fantastic, fresh and dynamite car tips grab a free copy of my ebook and send it to your friends or give it away from your website.

About the Author

Graeme J. Sprigge is the author of 28 Dynamite Money-Making & Money-Saving Cartips - a free ebook which explores every nook of money saving and some money making ideas with cars. You can get it here. http://www.90minutecarsalesman.com/28cartipsdownload.html

Copyright 2005 Graeme Sprigge

Written by: Graeme J. Sprigge

Buying versus Leasing A Car

2009-10-06T13:44:00.001-07:00

If you are considering whether to buy or perhaps lease your next car and which would afford you the best deal, most consumer experts agree that from a purely financial aspect you will be better off in buying your next car.

Of course paying cash in full is the best possible scenario since with this option you would avoid any type of finance charge. But for the vast majority of us and for the scope of this article we'll take a look those purchases or leases that involve financing.

In the short term leasing may look attractive to you because monthly lease payments will more than likely be less than the monthly payments of a purchase agreement. Why? Because with a lease you are essentially only paying for the part of the car you are going to use. It's kind of like splitting the cost of a pizza with someone. You are only paying for the pieces that you are going to eat. In car terminology the part that is left over in a lease is called the residual value of the car. The higher the residual value of the car the less of the car you will use during the lease so you payments for the part that you do use (the lease) will be lower.

Typically lease durations are 24, 36, or 48 months. Do not sign up for a lease beyond 48 months. Actually anything beyond 36 months is pushing the value of the lease. Don't let the car salesman get you into a longer lease just because they make your monthly payments look more attractive. Remember time costs you money and the car's residual value will plummet and you loose all the advantages of leasing and still be left with nothing in the end.

For some drivers the car buying decision isn't based purely on bottom line numbers. And this is fine. It's strictly personal. Leasing does afford you the ability to always be driving a new car. A car that is within a few years of the latest body style and technology. A car that is always under the factory warranty. For the person that has accepted the fact that they enjoy being in a newer car and that car payments is just another monthly expense, then why not get the most car for the money? Then leasing could be a good alternative.

If this is your personal preference the other two questions you must answer are how many miles a year do I drive and how hard on cars am I? The mileage question can really come back to haunt you if you are not careful. People who are in new cars and thus enjoy driving them and showing them off more will have a tendency to drive them more. Be very careful with you mileage. Going over your allotted mileage on your lease could end up costing anywhere from 15 to 30 cents per mile beyond the lease mileage allowance and this can get painful in a hurry. In most leases you can purchase additional mileage up front at the time of the lease but keep in mind if at the end of your lease you haven't used all of your miles, you don't get that money refunded back to you.

I mentioned a bit earlier you need to consider how well you treat your cars. Only you will know this and you need to be honest with this one. Don't think that you can turn your lease car in at the end of the lease with the car in sub par condition. If you do, you may be assessed reconditioning fees that could become rather hefty.

In summary, from a purely financial perspective buying your next new car is the best over the long haul. But, with car ownership, so much personal preference, and personal priorities come into play. If you think leases look attractive, be absolutely certain about your mileage you will drive. Take good care of the car. And finally check with your insurance agent first to make sure that you don't give back the money you save in monthly payments to your insurance company.

About the author:

Jeff Neilan worked for many years in the automotive industry as a salesman, finance manager, new and used car manager, and general sales manager. With Jeff's working knowledge of car dealerships, car sales, and financing you'll find his articles on getting your best car deal insightful and rewarding when purchasing your next car. Please visit http://www.acarbuyersguide.com for more of Jeff's articles.

Written by: Jeff Neilan

BUYING A USED OR SECOND HAND CAR IN UK

2009-10-06T13:32:00.000-07:00

If you are considering the purchase of your next used or second hand car, you might at this point be very nervous. Its not a purchase you make regularly like going to the supermarket for your monthly shop or buying that next outfit for hitting the town. Its something you might only do every three or four years sometimes longer.

Some popular makes are:

Audi, Alfa Romeo, Bmw, Citroen, Ford, Fiat, Honda, Hyundai, Jaguar, Jeep, Kia, Land Rover, Lexus,Mazda, Mercedes-Benz, Mg, Mini and Mitsubishi.

Confused? Who should I buy it from? A large garage group, a medium sized independent, a small independent, or a back street garage? The Answer? Whichever of these have the vehicle that you want! (With certain reservations which we will explore later.) A common mistake is to go out in the car and visit all local sellers in the hope you see something you like, if you do this you will be at your most vulnerable and may well find that you buy something on impulse and may not in the long term be the best for you.

With the world wide web at your fingertips it's a great place to start. By using it and visiting some of the better used car classified sites you will be able to narrow down your choices before even leaving your home.

Some of the best sites are:

http://www.autotrader.co.uk

http://www.autoexposure.co.uk

http://www.compucars.co.uk

http://www.ukclassifieds.co.uk

http://www.freeads.net

Ideally you should list your requirements in order of importance for example:

1. Insurance Cost

2. Fuel type

3. Economy

4. Vehicle size

5. 3/5/4 door etc

6. Price

7. Colour

8. Specification

Don't get to carried away other wise the whole thing will not be the enjoyable experience it should be. Okay get surfing and find that combination of your dreams.

More of the most popular makes of vehicles to search are:

Nissan, Peugeot, Renault, Rover, Seat, Subaru, Skoda, Suzuki, Toyota, Vauxhall and Volkswagen.

Happy hunting and watch out for the next instalment. "The negotiation."
About the Author

Owner Proprietor VENDESI AUTOTRADER USEDCARS

http://www.vendesi-autotrader-usedcars.co.uk

Written by: Mike Gamble

AIR TRAVELERS AREN’T ALONE, JOB APPLICANTS CAN EXPECT TO WAIT IN LONGER LINES TOO

2009-10-05T12:17:00.001-07:00

As travelers have been told to expect longer wait times at airports in exchange for their protection, job seekers should be prepared to wait longer for job offers for the same reason. According to the concept of negligent hiring, employers are liable for criminal or torturous behavior caused by their employees.

Unscrupulous, and dangerous individuals with suspect values and criminal backgrounds often aren’t discovered if an employer doesn’t diligently evaluate job applicants. The payoff reflected in reduced risks of workplace violence easily justifies any additional time or financial investment.

Background checks reveal the presence of past problems. Pre-employment personality and behavioral testing offers employers reliable insight into the probability of future problems by identifying the attitudes that precede undesirable behavior.

Interviews aren’t enough anymore. Employers who have a selection process that fails to gather as much information as is legally permissible, are agreeing to play Russian Roulette without checking all the chambers of the weapon first.

Copyright 2002 by Mason Duchatschek

About the Author

Mason Duchatschek is the president of AMO-Employer Services, Inc., in St. Louis, Missouri, and co-author of the book "Sales Utopia: How to Get the Right People, Doing the Right Things, Enough Times." His phone number is 1-800-245-0445, and his company’s website is www.amo-es.com.

Written by: Mason Duchatschek

Air Travel With Your Pit Bull Terrier Dog

2009-10-05T12:16:00.002-07:00

Being well prepared before traveling with your Pit Bull is crucial to having a good trip, especially if he will be going on an airplane with you. There are several things you will need so that your Pit Bull is allowed to board the plane, and many things you should take care of before leaving.

When you call the airline to arrange your flight, you should go ahead and let them know then that your Pit Bull will be traveling with you. Different countries have different guidelines for pets, so your airline should be able to give you specific instructions depending on where you are planning to go. At this time, you should also find out what the airlines rules and regulations are, so that you can be prepared in advance. It is a good idea to call back around two weeks before your scheduled flight to make sure you have everything taken care of. Surprises at the last minute can delay your plans, or stop you from going altogether.

It is not required usually that your pet have a medical exam before flying with you, but it is a good idea, so that any potential problems can be taken care of by your own veterinarian. You will also need to get a certificate from your veterinarian regarding the health of your Pit Bull. There are different guidelines for these depending on where you are traveling to and what the airline mandates. Most require the certificate be dated no more than ten days before the flight. You shouldn't pack this paperwork, but rather keep it with you while on the plane.

To make sure you don't lose your Pit Bull, make sure he wears a collar and tag. The tag should have all of your contact information, the date of his last rabies vaccine, and his license. It is a good idea to also have a tag with the contact information for a friend that can be reached, just in case. Purchase a kennel that meets the airline's requirements, and make sure that you have identification on both the inside and outside of it, just as an extra precaution.

Anything that you put inside your Pit Bull's crate should be firmly attached to it. You should check with your airline to find out exactly what is allowed. Feed your Pit Bull around four hours before your estimated departure time, and take extra food and water with you, just in case you are late leaving the terminal.

If you take all the necessary precautions, and follow your airlines recommendations, traveling by airplane with your Pit Bull should be easy and enjoyable for you both.

About the author:

To learn all about raising an American Pit Bull Terrier and training Pit Bulls, visit http://www.pitbullsrevealed.com/ today.

Written by: Tim Amherst

Air Travel around the world and let your cares fall by the wayside as you take wonderful vacations.

2009-10-05T12:16:00.001-07:00

Air Travel and vacations, to get on a plane and go somewhere, can be one of life's most rewarding experiences. It's so exciting to contemplate an exotic or relaxing destination, for no other reason than to just get away. Half the fun of air travel and vacations, or any trip for that matter, is the anticipation of waiting for the day of departure to arrive.

You know how it is; you're busy with your work and career, deadlines, meetings etc. One afternoon you look over at the calendar and realize that in only 6 weeks, a mere 42 days, you'll be taking off for 10 days of fun, sun and excitement. You get a good, warm feeling knowing that your air travel vacation is just around the corner. Sometimes just knowing that your going on a vacation is all it takes to brighten your day.

Find the best air travel deals on the internet for your next vacation.

Because of the power of the internet, it is now possible to find wonderful air travel bargains and vacations right from your own home. It doesn't matter if you're looking for cruises, cheap airline tickets or Las Vegas vacations, you'll find them all on the internet.

Mike Yeager

Publisher

http://www.a1-travel-4u.com/productpage/cheapcruises.html

Written by: Mike Yeager

Add the New Braunfels Texas Wurstfest to Your Fall Travel

2009-10-05T12:15:00.003-07:00

GEMÜTLICHKEIT (warm friendliness, good cheer)

“Willkommen zum WURSTFEST! Prosit, und hab' Spasz!” is the slogan for this really appealing annual event. It means “Welcome. Cheers! To your health, and have fun!”

Combining a unique German community in South Texas, great food, fabulous bands imported from Germany for the occasion, amusement rides, affordable entry, a well-run event and often beautiful weather, the New Braunfels, Texas, “Wurstfest” has all the ingredients of a great family outing. (Plenty of local accommodations available, as this is an area where “gemütlichkeit” is plentiful and tourists are welcome.)

New Braunfels is located just a few miles north of San Antonio, Tx., which offers a full array of activities to include in your schedule – Fiesta Texas, Sea World, the Alamo, the RiverWalk, and wonderful Mexican food and markets, should you wish to make this a multicultural adventure.

Having just returned from a lovely evening at Wurstfest, I’m compelled to tell you how much fun it is. We began on a perfect fall evening unable to resist the smell of the sizzling pork chops and huge German sausages served on a stick, complimented by a great selection of beers, potato soup, German dinners, Reuben sandwiches, corn on the cob – and more -- and ended our evening with pfankuchen, funnel cake and coffee.

We rode the beautiful Ferris wheel and then settled under Das Grosse Zelt, the big tent, at the end of the Marktplatz to be charmed by the 10-piece brass band from Germany whose rousing tunes got everyone up and dancing – just as many kids as adults, and partners not at all required. They were only topped by the band that followed.

This Wurstfest, the celebration of German sausage, began in New Braunfels in 1961, just a one-day affair which nonetheless drew a crowd of 2,000 due to press coverage throughout the nation and in Germany.

Since then, it has grown to a ten-day affair with well-maintained permanent facilities drawing over 100,000 and raising many dollars for local charities. Your good time will also be a good deed!

You can learn more about Wurstfest at their official website: http://www.wurstfest.com/index.html , and from the Wurstfest Association, Post Office Box 310309, New Braunfels, Texas 78131-0309, 830/625-9167, or toll free 1-800-221-4369.

Admission is a mere $8.00 per person (children under 12 free), with special rates for early purchase, groups, and day discounts.

ADD ANHALT

If Wurstfest dates should ever coincide with the 3rd Sunday in October (and even if they don’t), make it a homerun by including public dancing at Anhalt Hall, just down the road apiece, about 28 miles west of New Braunfels.

Anhalt was settled by German pioneers around 1857 and this may be the oldest dance hall in Texas, with a newly renovated 6000 square foot hardwood dance floor usually featuring a German band (you MUST do the German Grand March) and then a C&W band (local talent).

It’s open air and you can sit in the grandstands and watch or pay to get on the dance floor. Kids welcome and great food and beer. It is run by the Germania Farmers Verein, originally established to protect the settlers and their livestock from Indians. It’s out in the country and an experience you don’t want to miss.

How far out in the country? Well, according to the website, in the 1970s “the population along Anhalt Road between Farm Road 475 and the hall was estimated at ten.” Population figures for 2000 were not available.

Admission and ample parking are free; there’s a minimal charge ($7?) if you want to get on the dance floor (which you will)!

To read more about Anhalt, go to the Texas Honky Tonk Dance Hall website: http://www.honkytonktx.com/dancehalls/

They also feature public dancing during Mayfest (3rd Sunday in May), and Summerfest (last Saturday in July).

About the Author

©Susan Dunn, MA, Personal Life & EQ Coach, http://www.susandunn.cc . Offering coaching, Internet courses and ebooks for your personal and professional development. Mailto:sdunn@susandunn.cc for free EQ ezine. I train and certify EQ coaches. Email for info on this fast, affordable, comprehensive, no-residency program.

Written by: Susan Dunn, MA, Personal Life & EQ Coach

ABCs of Adventure Travel

2009-10-05T12:15:00.001-07:00

A – Address peel and stick labels for all your family and friends before you go. Then stick to postcards along the way and you'll come home looking good.

B – Bottled water is a must – don't drink anything else.

C – Cookbooks from your travels are always a great souvenir. Cook a dish from one when you have friends over to see your video and pictures

D – Digital cameras save the day; their small and you never run out of film

E – Expect excitement; go with anticipation, not trepidation

F – Food is fun, try something you've never eaten before like zebra pate or Australian wine

G – Give generous tips, especially in poor countries, you'll be so glad you did

H – Hang out with the locals. Get to know a new person on your trip and get a photo with them

I – Inform someone at home of your itinerary

J – Journal every day. Can you remember now what you did last week?

K – Kids love it when you have packed little surprises to open along the way

L – Learn something: Take a pasta making course in Italy, Scuba diving in Argentina or Belly dancing in Bagdad (just kidding)!

N – Note the local artisans and buy something authentic

O – One substantial souvenir is better than a lot of small things. Then ship it home to lighten your luggage

P – Postcards will rescue you when your photography fails. You can never have too many

Q – Questions help you get the most out of all you see and experience.

R – Read before you leave. Read lots of books about your destination. Find out who the local best sellers are, and read one of their books.

S – Scrapbook within the first week of getting home

T – Travel as light as humanly possible. Dragging luggage is no fun.

U – Unpack as soon as you get home.

V – Vaccinations and certain medications are necessary in some countries – be sure to check with the World Health Organization about what you need.

W – Whining never fixes anything – buck up and deal with the differences

X – exchange your currency at the airport or a bank and be sure you understand the value of your money

Y – You are the one who will make or break your adventure. Plan to be positive

Z – Zero in on one or two experiences and squeeze the most out of them. Adventure overload will leave you confused.

For information on travel adventures of the heart, visit www.negstusa.com

- News Canada

News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.

News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.

Written by: News Canada

7 Must Have Scripts to Look for When Shopping for E-commerce Hosting

2009-10-05T12:14:00.001-07:00

When shopping for e-commerce hosting there are a lot of things you need to keep and mind. When you know what to look for it is a lot easier to ensure you get exactly what you need and not leave any important information out. Consider these 7 must haves before you start shopping for e-commerce hosting so you will be prepared.

1. Storefront
Regardless of what software you are using, one of your main concerns should be the storefront. You want to be able to customize your storefront to your specifications, at least within reason, and certainly you want it to appear professional and well put together. This should be a main consideration when shopping for e-commerce hosting.

2. Support
Regardless of the hosting you are using you will want support, 24/7 if at all possible, and support that is real, live, and will help you with your problems. In addition to this, you should look for some self help support as well in the form of a FAQ area and support providing advice for when you find yourself in certain situations. Good hosts will provide you with a great deal of information so you can help yourself.

3. Building
With your e-commerce host you want to be able to build your site easily and to your specifications. So, you certainly want to use software that is easy to understand and implement. In addition, it is helpful if wizards are available to help you throughout the building process as well.

4. Integrated
You want to make sure the host is integrated and works well with all of the other systems that you need for your site to be successful. If it is not integrated you should strongly consider other options.

5. Tools and Functions
This is important because you want as many functions available from multiple currencies to a log of purchases, so your e-commerce host will need to be able to provide you with the space and tools you need to keep up with all of this information.

6. Software
When it comes to e-commerce software you can either buy from a physical store, buy online from your host, or create your own. The best option is to find a host that offers software that is of high quality and will help you with e-commerce.

7. Ease of Navigation
Your e-commerce software as well as your host should allow you and customers to navigate easily through all of the pages and all of the links without getting confused or backtracking.

Shopping for e-commerce hosting requires you know what you are looking for as well as what you need. As long as you choose an experienced host who has verified experience, you'll have a much better chance at making a wise decision.

About the Author

Michael Turner reveals his foolproof way to increase website traffic in his free 7 part mini-series. Grab it free right now at http://www.powertraffictactics.com/

Written by: Michael Turner

6 Tips For Choosing The Perfect Shopping Cart

2009-10-05T12:13:00.004-07:00

So you have a bunch of products you'd like to sell, you know you need a shopping cart, but you're unsure of which one to choose. You don't want to spend a lot; however, you want the most bang for your buck! You have a website and all, but you're not a "Master" webmaster, and you want something powerful and professional, without the powerful and professional price tag. Then, this article is for you - read on...

1. OK - Just What Is A Shopping Cart Supposed to Do?

Shopping carts are more commonly used as a way to display physical products, products like televisions, groceries, electronic equipment, clothes, and memorabilia, etc - NOT digital products. Shopping carts make it easy to cross-sell and up-sell your customers once they arrive at your store. Shopping carts typically handle the shipping and handling calculation, taxes and credit card processing. A good shopping cart handles all of these efficiently and securely.

2. Dynamic Operation

A good shopping cart program also creates dynamic order forms on the fly as the order takes place. The shopping cart should be totally dynamic; meaning it only executes code and retrieves products, images, and product descriptions from your database when your customers request it. During the checkout process it should also calculate shipping/handling and taxes for you.

3. Real-Time Credit Card Processing

Powerful CGI, PHP, CFM, ASP, etc, scripting, processes commands for you on secure servers when your customers place their orders. Don't get this confused with credit card processing. What I'm speaking of here is the passing of your customers' order information from a secure form, to your merchant or payment processor, using one of the scripting languages above. Your payment processor or merchant, like PayPal, 2CheckOut, or Authorize.Net will then process the credit card. If you don't currently have a merchant or payment processor, and you are going to be selling online, then you NEED one. You can view some recommendations here: http://prowebware.com/merchantaccts.html

4. Usability

You can choose what options you want your customer to see. For instance, you can choose to display a search form on your shopping cart. A search form allows your customers to search your store for items by keyword or product name, etc. You can choose to display options like color, size and quantity, and even adjust the price based on the customer's selection. These are called options. Your shopping cart should also allow you to upload images of your products as well. The ProWebWare shopping cart is a well-rounded, all-in-one solution to your shopping cart needs that's worth a look. The ProWebWare cart is a service that's part of a total e-business automation package. You can check it out here: http://prowebware.com/shopping_cart.html.

5. Stand-Alone -vs- Hosted Shopping Carts

However, you CAN purchase standalone shopping cart software or services. The stand alone software, of course, requires skill and expertise to install it on your web host or on your own server. Some of the shopping cart services, although it may not seem like it at first, limit you as to what you can and cannot do. These services are most commonly offered by web hosts as a way to entice you to host your site with them. When using these types of services, remember, you're locked into using that web host when you opt to use their shopping cart service. Your business is not portable and becomes a part of that web host. Make sure there is a simple export process that allows you to easily download your website and shopping cart if you no longer wish to use their services. In my opinion, the best option is to use a shopping cart that runs from your own website, independent of your web host. Both Prowebware and stand-alone shopping cart applications run from YOUR website, giving you both control and flexibility.

6. So, Which Is The Right System For You?

Choosing a shopping cart boils down to 4 things: 1. Your Budget - Is FREE your only option or are you serious about your business? 2. Your Skill-level - Do you have the expertise to edit & install scripts on your server? 3. Desired Functionality - Want a professional results oriented system or a display case? 4. Time - Have time to take away from your business to shape and mold a new program?

Whatever you decide, your cart should also permit you to follow-up with your customers automatically and even auto-subscribe them to your mailing list, all of which, of course, can be easily handled with the ProWebWare system, or another out-of-the-box application. To implement most out-of-the-box applications, you will need to know how to edit PHP code and how to set up a MySQL database on your server for dynamic operation. If you opt for the ProWebWare e-business Automation System to automate your shopping cart as well as your entire e-business, then all you need to know is how to copy/paste some simple code to your existing website. The system also includes contextual help menus that walk you through setting up your new cart.

If either of these fits you, Prowebware or a boxed program, then, why not try one of them today? The ProWebWare system is easy to setup and it offers a free trial period so you can try it out and see if the system is right for you. Check out their free trial certificate here, http://prowebware.com/order.html, or check out their shopping cart features here: http://prowebware.com/shopping_cart.html.

About the author:

Ettione Stuckey, Performance Technologist, Webmaster, Internet Marketer Ettione holds degrees in electronics and business. His passion is ecommerce and Internet Marketing. Ettione is an accomplished webmaster, who runs several ecommerce websites. He understands the science and application of ecommerce technology and concepts. "ProWebWare E-Business Automation" is his fourth website and is a big HIT for its powerful ecommerce features and

Written by: Ettione Stuckey

6 Smart Tips To Avoid the Stress of Shopping For Holiday Gifts

2009-10-05T12:13:00.003-07:00

For those who find making their gifts list for the holidays a very exciting activity, good for you. Those who find it less than an appealing bustle don't fret. Many share your sentiment. The problem with making a list is that it seems to become never ending especially when you decide on checking it twice. Okay, you're no good ol' Saint Nick but hey, this is only looking at it with a bird's eye view. What you don't know is that buying the gifts could actually cause a bigger headache than the preparing of the list.

Who wants to wallow in the stress brought by holiday gift-giving? Holidays need not always put you in a major state of panic. Here's how to breeze through the holiday season with these tips on buying gifts.

1. Say no to a rigid gift list.

This doesn't mean that when you arrive on a situation like when you get to see a "spunkier" Ipod when you originally thought of giving out a Walkman, you'll always give in. The thing is that you should be open to alternatives with your choice of gifts. You might as wel, jot down all the possible options on that gift on your list in case you're having a hard time looking for it.

2. Nifty over Hefty.

An expensive price tag does not necessarily mean a perfect gift. What is more appreciated is creativity and when someone puts in genuine effort. Your budget does not have to suffer so much during the holidays. Doing your homework will get you a long, long way.

3. Doing some favor is a labor of love.

Instead of material presents, an act of kindness can very well serve as a very valuable holiday gift. One may run errands or do things like babysit for a busy aunt, cook dinner for a couple, or do a car wash. Of course, just don't forget to do this for free. One more thing, you can also do this goodie-two-shoes stuff not only for your family and friends but also for those less-fortunate.

4. Techie not Newbie.

For those who are still thinking that the Internet is only a mirage of the future, please wake up. You're so late! Online shopping is one of the many conveniences the Internet offers. Just click the mouse and voila! Before you are a wide array of brands and pricelists for your choice of gifts. Amazon.com, EBay, and Overstock.com are just a few of the best web sites that can help you in this endeavor. Just remember to provide ample time for delivery.

5. Comfort Zone.

During the commotion from shopping for holiday gifts, it's wise to wear your most comfortable outfits. This will make it easier for you to rummage through shelves of stuffs and will make scurrying not much of a hassle.

6. Early Bird Gets the Most Appreciation

Yes, there's still no better way of dealing with this gift-buying problem but to do it ahead of time. Creating your list about two months before the "season to be jolly" will help a lot in downsizing the hassles of this activity. Some can even go the length of preparing for it at least three months before the holidays.

Some people never have to worry about buying for gifts. Can you imagine having a closet of stuff always ready to be given out for various occasions? Yes, these cases exist. But you don't have to really succumb to such almost-paranoid acts. Following the simple but noble tips above will do.
About the Author

David Arnold Livingston does all his gift shopping online without stress and recommends the gift directory: http://www.rggift.com/

Written by: David Arnold Livingston

6 Great Online Christmas Shopping Tips

2009-10-05T12:13:00.001-07:00

Christmas shopping is no longer confined to the local mall or an annual catalog that happens to find it's way into your mailbox. Thanks to advanced technology, there is literally a whole world of shopping at your fingertips. The internet has revolutionized the way people shop and, besides, what better way to do your Christmas shopping than from the comfort of your own home. No longer must we suit up and weather the harsh winter days in the hopes of checking a few names off of our Christmas list. The store aisles, as we know them, are crowded and hectic.

But now, many store aisles are becoming virtual, a shopping cart is something you fill with images of a product and a checkout is something that you click on to confirm your order. Things have changed a lot in the past years and I wonder how many of us couldn't even imagine what life would be like without the convenience of shopping on the internet. There are several tips for online Christmas shopping, which can make the experience a smooth and pleasant one.

Online Christmas Shopping Tip #1: Be prepared

It's a good idea to start your shopping with a complete list. This will save you both time and money with having to go back and place a separate order later on. With most online stores, you pay a flat shipping fee. In some cases, if you spend a certain amount of money on your order, the shipping and handling fee is waived. It's always best to get everything you want, all at once, to save on shipping. Before you commit to buying from one store, shop around and compare prices on both the product and shipping.

Online Christmas Shopping Tip #2: The early bird gets the gift

If you want to get the best selection, begin your holiday shopping early. Internet stores generally carry large quantities of every item, but even they can sell out. As Christmas draws near, it becomes more difficult to find the exact item that you're looking for. There's nothing like finding the perfect item and seeing the words, 'Sold Out' written under the price.

Online Christmas Shopping Tip #3: Shop Safe

When ordering anything online, check product reviews if available. Always shop secured websites because you will be entering your credit card, or banking information, for payment. You don't want your financial information accessed by anyone else, which is why all secured websites let you know how they protect your data.

Online Christmas Shopping Tip #4: Wrap it up

If you're like most, there's not a lot of extra time around the holidays. If you need to save some time on wrapping, most online stores offer a gift wrapping service for a small fee. At some point during the ordering process, you may be asked if you would like to add gift wrap or a name tag. It's as easy as the click of a button, which is much easier than trying to tie the perfect bow.

Online Christmas Shopping Tip #5: Check Delivery Dates

When placing your order, check to make sure that the item is in stock or will be delivered in time for Christmas. Many times, especially near the holidays, items will go on a backorder status. It's not uncommon for an advanced order item to have a delivery date of January, so be sure to check the status of the items in your shopping cart, along with their expected delivery dates. Not only that, but it's also a good idea to check on the company's shipping policy and delivery time for in-stock items.

Online Christmas Shopping Tip #6: Christmas Cards?

With all the stuff going on in December it's easy to forget to send out Christmas cards to family and friends. But if you forget to send traditional Christmas cards in time all is not lost. In fact, there are some great sites and services online that will send your christmas cards out for you (saving you precious time). You can find services that are both free and paid, and services that send both digital and tradition paper Christmas cards.
About the Author

For some great Christmas card related resources check out http://cards.christmashub.com

Written by: Rosie Fletcher

6 Christmas Shopping Tips You Must Know

2009-10-05T12:12:00.001-07:00

There are a variety of opportunities for holiday shoppers, including stores, catalogs and the internet. Below are 6 Christmas Shopping tips that should:

Christmas Shopping Tip #1: Shop Early

If you're heading out to the mall this year, have your shopping list ready. It's a good idea to shop early in the season because, if you wait too long, that perfect gift may already be under someone else's tree.

Christmas Shopping Tip #2: Be Polite

Always remember to be polite. The holidays are extremely busy and store employees are working overtime, so be patient as you wait for assistance.

Christmas Shopping Tip #3: Layaway

If you have a big list, but not quite a budget to match, consider a layaway. Many stores offer a convenient layaway plan, which would allow you to make payments up until Christmas. It saves you from having to charge up credit card bills or spend a lot of pocket money all at once, so consider a layaway if you have a big shopping list.

Christmas Shopping Tip #4: Shop Online

If you do decide to shop on the information superhighway this year, it will save you a lot of time standing in line at the mall. You can literally shop worldwide with the click of a button. Browse photos, compare prices, read customer reviews and see a huge variety of products without having to leave home. Best of all, in some cases, you won't even have to pay sales tax on internet orders. Some stores offer free shipping, quantity discounts and all kids of other incentives to lure you into their site. In addition, several televised shopping networks have websites in which they offer an easy payment program on select items. This means that you make one payment, using a credit/debit card, and the product ships out to you immediately. The remaining payments are billed to your credit card, until the item is paid in full, for the specified number of months.

Christmas Shopping Tip #5: Place Your Catalog Orders Early

If you're shopping from a catalog this year, be sure to place the order early. The most popular items sell out first, so get your order placed and on its way as soon as possible. There's no need to wait for a catalog to arrive in the mail because you can log on to the internet and find many catalog companies online with product photos, descriptions, size charts and special 'internet only' sale prices.

Christmas Shopping Tip #6: Buy in Bulk

If you have a lot of people to buy for, and aren't exactly certain of their taste, consider buying in bulk. You can purchase a nice package of scented candles, divide them up into multiple gifts and present them with a beautiful bow wrapped around the glass jar. These types of gifts are ideal if you have teachers, doctors, co-workers or other special people that you want to wish a Merry Christmas. Another terrific idea is to purchase small Christmas tins and several bags of assorted miniature candies. Divide the candies up into each tin and present them with a beautiful bow on top. These are ideal gifts because they are thoughtful, but also budget conscious. You can purchase a pre-designed tin similar to the one described, but you will get a much better deal if you make your own. As an added bonus, you get to decide which candy to include, which isn't always the case with pre-packaged gifts.

Happy shopping!
About the Author

For more great Christmas related articles and resources check out http://www.christmashub.com

Written by: Rosie Fletcher

Ask the Expert: When do I Refinance My Home?

2009-10-05T12:11:00.002-07:00

Home refinancing is a wonderful financial tool for homeowners to use for debt management to investments. If the home refinance is used correctly, wisely, and at the right time, the benefits from the refinance can improve the financial picture of the homeowner. There is no cookie cutter approach to refinancing. Each individual or family has their own unique set of circumstances. Here are some common questions homeowners often ask when they are considering refinancing.

What is the most critical question to ask myself when refinancing a home?

Is refinancing going to put you in a better position financially? Will refinancing reduce your monthly expenses, meet a critical family requirement, or improve your investment portfolio? If the answer is yes, it is probably a good time to refinance.

What is a cost benefit analysis?

This is a detailed account of the actual cost of refinancing and helps provide the best financial decision. Cost-benefit analysis analyzes the cost effectiveness of different alternatives in order to see whether the benefits outweigh the costs When you look at the actual costs of refinancing, determine how long it will take to recoup costs. Is it worth it? A qualified mortgage professional should review your alternatives and help you determine if the benefits outweigh the near and long term costs. The rule of thumb regarding the cost vs. benefit of refinancing is that you need a 1- 2% "spread" between your existing interest rate and today's current rates. Refinancing, No Cash-Out option can reduce your monthly mortgage payment or reduce the remaining term of your loan and thus probably save tens of thousands of dollars in interest over the long-run. Cash-Out withdraws cash (reduces equity) for home improvement, educational tuition, debt consolidation or for such purchases as a investment property or second home, auto, or other major purchase.

How often should I refinance?

Some people refinance frequently but a rule of thumb should be that you have held the property for one year. Refinancing allows the homeowner to use the home to conduct transactions that allow opportunities and possibly enhance the homeowner’s asset pool or reduce the financial short-term burden of the homeowner. How the homeowner approaches the refinance is critical to long-term financial net worth. If the homeowner is utilizing the home as a second checking account to payoff consumer debt, financial stability for future years is reduced through ineffective money management by reducing the homeowner’s equity. The ability for the consumer to build equity is in essence a long term subtle retirement plan for the homeowner.

What are some questions I can ask the mortgage company or the bank handling my refinancing?

The scope of financial knowledge a mortgage consultant or loan officer possesses matters in this transaction. This person should have a thorough knowledge of money and how it works. Begin by asking about their professional credentials. The best mortgage professionals will have formal business education, professional experience in the financial industry, and the institutional knowledge to place you in the right product. At Breakwater Mortgage in Virginia Beach, we select our mortgage consultants, loan officers, and loan originators based on strengths in these areas. Often lenders, banks, and other mortgage companies do not conduct a detailed review of potential employees that will handle your most important asset. Ask your mortgage professional why they are recommending a certain loan product to you. You should also feel free to ask personal questions such as: Do you own a home? What type of mortgage do you have? What is your credit score? The answers will reveal information about their money management. If you do not feel comfortable with your mortgage professional, research a qualified individual who will help you based on your needs. It’s worth it to take the time to find the right mortgage professional.

Does location of the home matter when considering refinancing?

Yes, it matters a great deal. Some real estate markets have reached their peak. Do not refinance at the top of the market. Research and see how quickly homes are selling in your area. Contact your local professionals regarding home values in your market. They will be able to give you their opinion, home comps, assessments of home value trends in your area. I recommend you leave 10-15% equity in your home when you refinance. A reputable mortgage broker or lender will recommend that you keep some equity in your home so you can sell your property if situations dictate.

Does the type of mortgage I have affect my refinancing decision?

Absolutely. Talk to a qualified mortgage professional first, before you make your decision. That person will help you compare your current mortgage rate/product to current market rates, available mortgage terms, and types of mortgages available based on your discussions. I look at mortgage products based on an indebt analysis of the clients needs. With that in mind, some general rules apply. If rates are falling, I would advise a homeowner to stay in their current loan until a 2% spread between their current loan and future refinance loan. If a client has a loan product that adjusts downward during a period of decreasing rates, I recommend they stay with that product until a projected rate increase period that will increase over a protracted period. When rates start to increase, and are projected to continue to increase, I would advise a homeowner with a loan product that adjusts, when rates adjust, to move towards a fixed mortgage product (7, 10, 15 or 20 year mortgage depending upon an individual’s situation). If the homeowner is geographically displaced due to employment, say five years or less, a long-term fixed mortgage is not the optimal product. If the homeowner plans to stay in a specific geographical area and in that same home for a long period of time, I’d recommend a long-term fixed rate product and possibly a home owner’s line of credit (HELOC) to supplement the homeowner’s financial decisions. With long-term mortgages a homeowner can still opt to pay more on the principal, reducing the term of the loan and interest costs.

What are economic indicators that bode well for refinancing?

A knowledgeable mortgage professional should understand economic indicators, and will be able to give you an accurate assessment on whether to refinance or not. Are interest rates rising or falling? With refinancing, timing is everything. If rates are falling and they are lower than your mortgage rate (a general rule is 1 – 2 % lower then your current fixed rate), it could be a good time to refinance. If not, it might be a better idea to sit tight and forgo refinancing for now.

About The Author

Jay R. Popejoy's educational background in financial and mortgage lending includes B.S. Degrees (Marketing/Business Education)and a M.B.A. program (current studies). Jay has 19 years of professional experience involving banking and finance, logistics management, civil affairs, and international development. Former and present employers include HSBC and Household/Beneficial Finance. Jay R. Popejoy is currently Managing Director of Breakwater Mortgage Corp. in Virginia Beach and Williamsburg, Virginia, and is a senior staff officer for the US Army (Army Logistics). E-mail jay@breakwatermortgage.com or visit http://www.breakwatermortgage.com for more informaiton.

Written by: Jay Popejoy

Are you so desperate for a home loan that you are stretching your finances too far?

2009-10-05T12:11:00.001-07:00

Once you get a quote for a home loan don’t be tempted to take the entire amount if it looks like you overqualified. Most consumers fill out an application for a home loan and hope they can get enough money to buy their dream house.

A nice chunk of those consumers also overqualify for their home loans. If go to your local bank, credit union or mortgage broker and you are approved for a $500,000 home loan, they payments might be a bit more than you realistically afford.

Use a mortgage calculator to see your real monthly expenses
If you are not good with your money or would prefer to not stretch your finances to the limit to get a home, get your hands on a good mortgage calculator as soon as you get the figures on your home loan. You might think all will be fine as long as you can own your own property.

However, you must take into account all of the things that come along with owning a home. Sometimes you can get so caught up with the actual dollar amount of your home loan that you forget the other pieces of your budget.

Do you still have cash for entertainment and personal use?
Check your budget to see if you still have money to enjoy things like going out, purchasing new furniture, a family vacation once per year and regular manicures and pedicures. Then add in your student loans, car payments, credit card bills, lunches at work and tickets to take your family to baseball games a couple of times every season.

You also need money for home maintenance and repairs
There are also the home maintenance issues that are not included when you qualify for a home loan. If you live in a part of the country that’s particularly hot or cold, your heating and air conditioning bill could easily add up to a couple of hundred dollars per month.

Your home loan package does not include budgeting for lawnmowers, landscaping and fixing broken windows. Some of these expenses can be put off until a later day, but some of them will require your immediate attention once you move into your home.

Know your spending habits to gauge how much debt you can carry
If you are used to living paycheck to paycheck and generally not taking care of your budget as a renter, you will probably carry over some of the same habits to your new home.

The best way to avoid a financial disaster is to make your home loan a part of your financial life instead of the centerpiece of your financial life. If you are stressed out about money issues from the very first move in, it is unlikely that you will enjoy your new home or anything else in your life for a long time.

About the Author

This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com
Syd Johnson
Editor

Written by: Syd Johnson

Are You Having Sleepless Nights Because Of Your Finances?

2009-10-05T12:10:00.002-07:00

You've worked hard all day and come home at night, only to discover that you can't get comfortable in your own bed. You toss and you turn for well over three hours. As 3a.m. approaches, you finally go to sleep but the alarm sounds all too quickly at 6 a.m. It's time for you to go to work. Day two comes and you're off again to the usual rat race. You repeat the same pattern once you get home. Later that night you lay in bed, thinking how you're going to pay all of these bills. Despite your best efforts on the job, including overtime, it doesn't seem to be enough. What can you do? Who can you to turn to?

Does this sound like you? Are you a Christian having sleepless nights because of your finances? Here are the top five reasons I have found why people get into debt:

1) Try to live beyond their means. Keep up with the Joneses. 2) Lost job and bills pile up 3) Have never been taught money management 4) Divorcing and the other party charged up cards in the process splitting up 5) Impulse Shopping

I too was a victim. Not from just one, but two of these debt catalysts. My husband equally had financial woes, his was still on this list. Being in debt has a way of having a hold on you and causes you not to think clearly. People in debt tend to operate out of fear - for example they ignore phone calls because it might be a collection agency on the other end. How many calls have they missed? Or perhaps, they write a check in the hopes that it will clear the bank; knowing full well they spent the money on luxuries and other needless excesses that have caused the bank account to have insufficient funds.

If any of this sounds like you or someone you know, assure them they can get out of debt without filing bankruptcy. They have to want help and not let pride or embarrassment get in their way of being helped.

At Journey To Wholeness, we work with people who want help getting their finances in order. There is no charge for our help. Why would you pay someone to help you get out of debt?
About the Author

Dr. Taffy Wagner is the author of Debt Dilemma. Debt Dilemma is her own personal story of how she got into debt and was able to get out without filing bankruptcy. She will be launching a national marketing campaign on October 18, 2005. View her website at http://www.paidoff.net/SpecialPromo.html for further details.

Written by: Taffy Wagner

Alternative Venture Finance: Federal Grants and Loans

2009-10-05T12:10:00.001-07:00

While most companies seeking venture capital initially think about angel investors and venture capitalists, a large alternative source of financing is federal grants and loans. The two largest federal grant programs are run by the Small Business Administration (SBA), and by Small Business Investment Companies (SBICs).

An SBA loan, regardless of whether it is a direct loan from the SBA, or, as is more common, a bank loan guaranteed by the SBA, is essentially a bank loan. The benefit of it versus a traditional bank loan is the rate. SBA rates are typically much less than traditional business loan rates.

In most cases, in a guaranteed SBA bank loan, the SBA guarantees 90 percent of the loan will be repaid to the bank. As such, banks are at much less risk than in most other loans, and are a bit more flexible with regards to who they offer these loans. However, the SBA usually requires the founders of the company to personally guarantee the loans, which makes them risky should the venture collapse.

Alternatively, Small Business Investment Companies (SBICs) are privately organized corporations that are licensed and regulated by the SBA. Small or emerging businesses which qualify for assistance from the SBIC program can receive equity capital and/or long-term loans from these companies. Essentially, these companies provide their own capital, which is supplemented by federal funds, to the companies they fund.

Interestingly, U.S. taxpayers benefit from the SBIC program as tax revenues generated from successful SBIC investments have more than covered the cost of the program. Likewise the program has created hundreds of thousands of jobs.

In summary, SBA and SBIC financing are viable alternatives to financing from angel investors and venture capitalists and should be considered in the capital raising process. Similarly to angel and VC financing, companies seeking SBA and SBIC financing need a strong management team and value proposition, and a highly professional and compelling business plan in order to raise the capital they need.

About the Author

As President of Growthink Business Plans, Dave Lavinsky has helped the company become one of the premier business plan development firms. Since its inception, Growthink has developed over 200 business plans. Growthink clients have collectively raised over $750 million in financing, launched numerous new product and service lines and gained competitive advantage and market share.

Written by: Dave Lavinsky

Adverse debt levels blight UK consumers personal finances

2009-10-05T12:09:00.002-07:00

Debt levels are at an all time high in the UK. The younger generation tend to be feeling the pinch the most, but parents are increasingly being required to bail them out, often at great expense to their own limited mortgage or retirement savings.

It has become almost accepted as a fact of life that graduates will begin their careers with a considerable level of personal debt. The Association of Investment Trust Companies found that on average students expected to graduate with £7,208 of debt, while parents believed it would be nearer to £9,741, however the real average was found to be currently running at £13,501. Graduates then need to service credit cards, take out a mortgage, then cover the payments, repay university loans, not to mention the pressure to start saving earlier, and save more, for their retirement, whilst the basic state pension increasingly becomes inadequate. The government revealed in June that student debt for 2003-04 was seven times higher than they were in 1994-95 and the Student Loans Company has shown that debts owed to them has risen to more than £13bn.

It is not only students who face financial difficulties early in life. Consumer Credit Counselling Services - Scotland, has indicated that young adults in general, under the age of 25, now account for more than 10 per cent of the estimated 32,000 people who have fallen into severe arrears on non-mortgage debts of more than £1 billion.

Malcolm Hurlston, Chairman of the Consumer Credit Counselling Services (CCCS) said, "It is noticeable that young people are accounting for an increasing proportion and the number of them seeking assistance has risen by about 25 per cent over the past two years or so."

Analysts have been bracing themselves for news of a sharp increase in adverse debt levels from the major high street banks following report figures of a 21 per cent increase in bad debts levels at Lloyds TSB. City analysts expect HBOS and Royal Bank of Scotland to declare that bad debt charges have risen by around 20% in their personal banking businesses, and Barclays, HSBC and Alliance & Leicester are all expected to tell a similar tale of rising loan defaults. Citigroup analysts are expecting bad debt charges from its retail banking division to rise about 24% in the first half of this year to £230m, while last year HBOS’s provisions for bad debt rose from £1bn to £1.2bn.

Keith Stevens, of the chartered accountants firm Wilkins Kennedy, said: "Creditors profit by lending money to people and collecting interest, and the longer they can keep that cycle going the better for them. Unless borrowers own property of significant value, it’s often not in creditors’ interest to call in their debts." He also continued that he believed some creditors were increasingly taking a hands-off approach, allowing debtors to pile up large amounts of debt, and then collecting interest and penalty charges for as long as borrowers were able to continue paying. This has lead to an increase in the number of borrowers filing for bankruptcy themselves when previously they would have been forced into it earlier by their lenders.

House repossessions have also significantly increased over the past year, with the Council of Mortgage Lenders announcing 4,640 home repossessions during the first half of 2005, compared with 3,070 for the last half of 2004. Government figures show that there has also been an increase in the number of homeowners being taken to court for mortgage arrears.

Some of the major banks and financial service providers have taken the initiative and started to help police the growing adverse debt problems with HSBC announcing that it will share their full credit record, of both positive and negative information, on its personal customers with other regulated financial services companies through the Experian, Equifax and CallCredit credit reference agencies, in efforts to keep tabs on its consumers' debt.

Michael Geoghegan, Chief Executive of HSBC said: "It is no more in the interests of a customer to borrow more money than they can afford than it is for a bank to lend them the money." The move has been widely heralded by analysts, as Michael Geoghegan added, "It is the only way to ensure that lenders properly understand the full financial exposure of customers before they let them sign up to debt that some simply can't afford."

This all comes amidst media pressure for financial firms to become more responsible. One case widely featured in the news concerns a couple who took out the £5,740 loan at 34.9% APR for house improvements, but they were already in arrears on two prior mortgages, and became unable to keep up the loan repayments. Over the course of the 15 year loan term the amount repayable had escalated to £384,000. Attempts by the loan company to still enforce the huge debt, eventually had to be fought off by the couple through the law courts.

The couple urged others considering taking out a loan to seek advice and to, "obviously read the small print and ask the questions that perhaps you don't think about at the time, and just make sure you know exactly what the consequences are should anything go wrong".

There are currently many sources of information to help consumers make decisions regarding their finances and debt levels. Financial comparison sites like Moneynet can provide impartial information on loans, mortgages, adverse credit, etc, to find the best product for individual circumstances. Consumer help sites like the National Debtline provide free confidential and independent advice on how to deal with debt problems, and the Citizens Advice Bureau are there with trained volunteers to help with legal, monetary and other problems, through a free, independent and confidential advice service.

The more help and information that is available to consumers and the more responsible the lending agencies become, the safer finance will be for the most vulnerable who are looking to borrow money, to prevent them getting into un-repayable levels of debt, however these services can only be of help if people actually use them.

Malcolm Hurlston of CCCS said, "We are advising about 4,000 people in Scotland and I would estimate that our figures represent only about one in eight of those who need help".

Financial education is something needs to be provided at an early stage to make people realise the importance of taking on the accountability for their own finances, as well as highlighting where to access help for when it is required. Budgeting is a subject many school leavers have little practical knowledge of, but one which they desperately need to be made aware of before they start to control their own finances.

Where there is existing advice or help, this must be made available and known to all in order to prevent more people getting too deeply into debt, or falling prey to loan sharks like the recent case of Mark Washington Johnson who has been jailed in Birmingham for nearly four years. Mr Johnson was found guilty of charging up to 8,000 per cent interest on loans, taking Social Security benefit books or National Insurance numbers as "security" for the unauthorised loans and then piling on default charges for missed payments. If we are to prevent this sort of abuse occurring to the weakest members of society then public awareness needs to be raised and the most vulnerable people given the assistance best suited to understand and control their own money.

About the Author

Richard lives in Edinburgh working for bigmouthmedia, occasionally writing for the personal finance blog Cashzilla, and considering the possibility of there being intelligent life on Earth.

Written by: Richard Green

Buying A Used Car - The Wise Way!

2009-10-05T12:09:00.001-07:00

I have always purchased my cars used. And each time, I got a great deal. Don't think I counted on luck, though - no siree. There are a few "musts" for making sure you don't end up drinking "lemon"-ade.

Spending a little time now may save you serious money later. Check Consumer Reports on the safest cars out there. Looks are one thing, but don't ignore safety.

Go to a reputable car repair shop and ask if you can bring the vehicle by for a look-over. While you're there, ask what cars they have to repair most often. Take heed. Also, ask what the inspection includes, how long it takes, and the price. Always get this information in writing - just to be safe.

Once the vehicle has been inspected, ask the mechanic for a written report with a cost estimate for all necessary repairs. Be sure the report includes the vehicle’s make, model and VIN. Go over it with a fine-toothed comb and make sure you understand every item. If you decide to make an offer to the dealer after approving the inspection, you can use the estimated repair costs to negotiate the price of the vehicle.

Are you going to purchase from an individual?

Remember, private sellers generally are not covered by the Used Car Rule and don’t have to use the Buyers Guide. However, you can use the Guide’s list of an auto’s major systems as a shopping tool. You also can ask the seller if you can have the vehicle inspected by your mechanic. If he/she says no... beware. No matter how nice the car appears, something fishy is going on.

Now, a private sale likely will be on an "as is" basis, unless your purchase agreement with the seller specifically states otherwise. If you have a written contract, the seller has to live up to the contract. The car also may be covered by a manufacturer’s warranty or a separately purchased service contract. But that doesn't mean that the warranty and service contract are transferable. Plus, other limits or costs may apply. Before you buy the car, ask if it's still under warranty or service contract, and review that baby carefully.

Some states will require vehicle sellers to pass a vehicle inspection before a sale is made. That's not always the case, though. To find out what your state requires, contact your state Attorney General's office or a local consumer protection agency. Hey, it's just a phone call. And it could save you a real headache later!

Whether you end up buying a used car from a dealer, a co-worker, or a neighbor, follow these tips to learn as much as you can about the car:

Examine the car carefully yourself using an inspection checklist. You can find a checklist in many of the magazine articles, books and Internet sites that deal with buying a used car. My favorite book that I've used several times is How to Buy and Maintain a Used Car by Brad Crouch.

Once I bought a used car in August, and never thought to test the rear defroster. Guess what? Come November, I found out it didn't work. If you're shopping in the summer, don't forget to check the heater. And if it's cold as ice outside, still turn that air on full blast and make sure it works!

Test drive the car under varied road conditions—on hills, highways, and in stop-and-go traffic.

Ask for the car’s maintenance record. If the owner doesn’t have copies, contact the dealership or repair shop where most of the work was done. They may share their files with you.

Talk to the previous owner, especially if the present owner is unfamiliar with the car’s history.

Have the car inspected by a mechanic you hire.

There you go. Do your homework, and it's very likely that, like me, you'll find yourself buying used every time!

About the Author

This article courtesy of http://www.auto-warranty-shopper.com>http://www.auto-warranty-shopper.com

Written by: Ryan Larson

Buying a New Car? Why Not Modify Your Old One?

2009-10-05T12:08:00.002-07:00

Ready to buy a new car? If you still have doubts about it why not just consider modifying your car or giving it interior and exterior upgrades? Although this may cause you to spend thousands of dollars, it's much cheaper than purchasing the latest in the market. Giving your car a new look, improving its driving potentials and enhancing its utility is so easy and a lot cheaper nowadays. If you're after changing your typically boring driving routine, upgrading your car's interior and exterior features can save you from--oh well, boredom.

Changing the way your car looks can be just as exciting as buying a new vehicle. But apart from choosing which car to buy, or which auto parts to purchase or add to your car for that matter, you need to choose a reliable and trusted auto parts dealer that cannot only supply you with your exact needs but can help you save big. Don't worry because there's one store that can do these at the same time, Auto Parts Deal. Replacement parts for Ford parts, Chevrolet parts, GMC parts, Toyota parts, Volkswagen parts and a whole lot more are readily available. All these premium quality products can be purchased at very affordable deals.

Most auto mechanics and professionals would recommend buying replacement or aftermarket auto parts only from one source for this will ensure the parts' compatibility and exactness. And not only that, it can help you save time, efforts and money especially on shipping. Installing those new parts can also be easier and quicker if you get them from only one supplier. Auto Parts Deal, however gives you more than these benefits. Added benefits such as security, affordability and convenience can all be enjoyed upon purchasing any of the products.

What are the parts you can use to modify your car? For Mazda cars, you can find here highly durable and quality Mazda spoilersMazda hood, and Mazda bumpers. These parts are made of high quality materials and are perfectly finished to give your vehicle a perfect impression. Combining both functionality and aesthetics, they are the best replacement you can find for your original auto parts.

The Mazda bumpersare specially designed to give you maximum protection in the event of a collision. They have spring loaded sock absorbers that allow the bumper to compress and extend back to its original shape during low impact collisions. While during high impact collisions, these shock absorbers decrease or prevent damage to the passengers and the vehicle by absorbing and redirecting the energy from the impact.

Different kinds of lights are also available here at Auto Parts Deal; these include the finest Toyota tail lights, Chevrolet headlights, and Jeep fog lights. Headlight covers are also available in this store. These auto parts are excellent ways of modifying your car. But aside from changing the way your car looks, they keep you safe as you drive. If you are planning to drive off-road with your Jeep for example, installing high quality Jeep fog lights is one of the best ways of preparing your auto. These lights enhance your visibility especially in severe weather conditions.

Create a truly inspiring image for your car by replacing your wheels. You can resize it, specially the rear wheels to make it look like a sports car; however, make sure to seek advise from an expert in doing so. Resizing your wheels can sacrifice your handling and ride quality if you go beyond what is suited for your vehicle. Meanwhile you can choose among the available durable and premium grade wheels like Ford wheels, Dodge wheels , Nissan wheels and GMC truck wheels online.

These are just a few of the millions of quality auto parts you can choose from. Your choices are immensely available. You actually have a lot of good options in jazzing up your everyday driving aside from buying a new vehicle. Just find time to explore them and you'll realize there are still more ways to modify your car than you can imagine.
About the Author

As a manager of one of the largest auto stores in Springfield,Massachussets, Sarah has extensive expertise on auto parts and automotives in general. This 42 year old is a certified car enthusiast.

Written by: Sarah McBride

Buying a New Car? Use Feng Shui to Select Your Success Color

2009-10-05T12:08:00.001-07:00

With September’s arrival comes the annual car buying season. But while selecting the type of car comes easily to most people, making a decision on the color of a car can be a stumbling block. Some people simply go with their favorite color, while others mull over color choices by considering factors such as climate, type of vehicle use, or the most practical choice, going with what is least likely to show dirt. But what if even that fails? Then try feng shui. Yes, feng shui, the Chinese guide used for arranging homes and offices, can also be used for selecting colors based on an individual’s own personal feng shui.

According to personal feng shui, each person has an individual feng shui number that is based on gender and date of birth. This number, also called a “kua” number is associated with a color. By selecting the correct color for an individual’s particular feng shui number, the driver will experience better luck over all because the color is harmonized with that individual.

Use personal feng shui to select a “success” color, which can be helpful when buying that luxury sedan. More into soccer practice than boardrooms? Choose a “family” color. Both colors are determined by the driver’s kua number. To determine the driver’s kua number, and subsequently the color of car that is appropriate, use the instructions below and then check the chart that follow for selecting a success or family color. Now, who should drive the Mary Kay pink Cadillacs? Anyone with a number 3 kua number!

The calculation is as follows:

-Take the year of birth, i.e., 1971

-Add the last two years together (7+1=8)

For men, subtract the number from 10 (10-8+2); 2 is the kua number

For women, add 5 to the number (5+8=13; 1+3= 4); 4 is the kua number

For years such as 1982 which have a double digit, be sure to reduce to one number

8+2=10 (1+0=1)

10-1=9 (Kua for men)

5+1=6 (Kua for women)

Kua Number

Money/Success Colors: Green, Purple

Family Colors: Red, Purple, Burgundy

Money/Success Colors: Yellow, Brown, Beige

Family Colors: Silver, Gold, White, Pearl

Money/Success Colors: Red, Pink, Burgundy

Family Color: Green

Money/Success Colors: Blue, Black, Purple

Family Colors: Dark Green, Brown

Money/Success Colors: Yellow, Brown, Beige

Family Colors:Gray, Silver, Gold, White

Money/Success Colors: Gray, Silver, White

Family Colors: Yellow, Brown, Beige

Money/Success Colors: Gold, Silver, White/Pearl

Family Colors: Yellow, Brown, Beige

Money/Success Colors: Yellow, Brown, Beige

Family Colors: Gold, Silver, Gray, White

Money/Success Colors: Color Dark Green, Brown

Family Colors: Blue, Black, Purple

KATHRYN WEBER is the publisher of The Red Lotus Letter (http://www.redlotusletter.com), the Web's largest weekly feng shui ezine. She is also a certified feng shui master practitioner whose been featured in Seventeen and Martial Arts Professional magazines, among others, and is sought after for her expertise with a witty, down-to-earth style.

kweber@redlotusconsulting.com

Written by: Kathryn Weber

Buying a new car? This article will save you time & money by getting dealer's invoice infomation & negotiating the best deal of any new car!

2009-10-05T12:07:00.002-07:00

AutosBargain.com New Car Pricing 101:

Autosbargain.com provides the "best price" found for new car deals from both franchised dealerships and consumer feedbacks.

The "best new car price" is in comparison to dealer's invoice price as most buyers' club does. (Such as AAA or Costco)

And yes, the "best price'' does NOT include your normal Sales Tax, DMV Registration, and Documentation Fees. (Usually around 10% of the new car selling price)

The "best new car price" we provide should only be used as the final target price. More precisely, it gives car shoppers a solid idea of the lowest price currently available. With this information in mind, any new car buyer should be satisfied even if the final negotiated number is a few hundred dollars higher than our new car price listed. (Still a great deal!)

Important Do's & Don'ts before you buy a new car:

* Don't buy the car for its sale price. Always test-drive the new vehicle and make sure you'll enjoy it.

* Don't buy or lease the car for its "low monthly payment". Pay more attention to the "selling price" & "finance rate".

* Always read everything you sign at the time of the purchase. Some fine prints are just as important as the numbers.

Step by step

1. Seach and select your desired new car from our Latest New Car Deals, Auto Bargains by Make, or using the Advanced Search option. You'll then be able to see colors, full specs, and dealer's invoice cost for the selected vehicle.

2. Get Dealer's Invoice Cost for the new car from one of the trusted online sources. (Such as Yahoo! Autos -> follow the link to the right to "Build Your Car")

3. Configure the desired make & model by selecting available options; the Invoice & MSRP for each option is quoted to the right. As you make decisions, the tool keeps track of your choices so you always see the "total invoice price and MSRP" for your new car.

4. Now you can easily calculate the target new car price by using the following formula:

Dealer's Invoice $ +/- AutosBargain.com Deal + Documentation Fees

+ Sales Tax + DMV & Government Fees = Target (out-of-door) Price

5. Finally, select the make & model to see which local dealership will offer the best deal for your new car. We invite you to share your shopping experience with us after the purchase, your feedback will be posted to help others. Thank you for visiting AutosBargain.com!

*Ref Link: http://www.autosbargain.com/component/option,com_frontpage/Itemid,56/index.php?option=com_content&task=view&id=181&Itemid=55
About the Author

Everyone ask for the best new car deal in town, but we simply don't know what the lowest price is!

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Buying A New Car

2009-10-05T12:07:00.001-07:00

The cost of a new car nowadays equals about what my parents paid for their first home. It's not a purchase to be taken lightly. You want to do everything possible to ensure you get a great deal.

Never rush your decision. If you are completely without transportation, rent a vehicle until you find the right car. When you rush a purchase, you usually end up on the losing end of the deal.

Thanks to the Internet, you can uncover the typical retail cost of a specific make and model. With a little digging, you can find out the wholesale cost as well. This information makes you a powerful negotiator.

You want a win-win situation with the car dealership. They need to make some profit, and you need to feel you paid a fair price. It's fair to negotiate to a price that's $500 above dealer cost or about 20% off the sticker price. So take along your calculator when you shop.

If the only cars on the lot have expensive options you don't care for, you might want to order a car to your specifications. You might wait a bit, but will save money on options you don't need.

Check with the dealership to see if you can return the car if you don't like it. I did this once. The car I purchased ended up less comfortable than my old car, so the next morning I took it back for my check and my trade-in. Many dealerships now offer this option.

You may have heard the advice to shop the last day of the month for better deals. It's true that you might get a better deal from a salesman then.

As far as trade-ins go, do your research here, too. Knowing the value of your old car makes it easier to negotiate a better price for it. Try not to talk about a trade-in possibility until you get a purchase price.

I researched the value of my little red Corolla and found that it was $3500. One dealership offered me $1200 because "they'd have to repaint it". Another dealership offered me $3500 and complimented me on taking such good care of the engine. Stick to your guns when it comes to getting the value of your trade-in, especially if you’ve had your car serviced regularly.

You may want to advertise your older car and sell it privately. Typically you can get a better price this way, but it may take a little time.

A service contract will likely be brought into the negotiation. The consumer information I've read discourages buying an extra contract on a new car, as it's not likely a problem will occur during the first months of use.

Whatever you do, always read the fine print of any contract before signing it. Ask a bazillion questions about what certain phrases mean if you don’t understand something.

Simply because the car just rolled off the factory line doesn’t mean you should buy it without asking questions. Keep on your toes during the negotiation process. There’s nothing like the thrill of getting a new car AND creating a win-win situation for you and the dealer.

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This article courtesy of http://www.car-audio-shopper.com>http://www.car-audio-shopper.com

Written by: Simon Harris