2007-05-29

Wild Rio Grande

Wild! Scenic! Floating down the Big Bend of the Rio Grande is an
experience unlike any other. It is a chance to commune with nature and
admire the wild beauty of the surroundings. It is a trip that brings
inner peace while contemplating the scenic marvel of the river.

Past Big Bend 's eastern boundary, the Rio Grande enters a system of
desert canyons 83 miles long. This is truly the heart and soul of the
Wild and Scenic River, providing outstanding opportunities for solitude
and wilderness experience. The Lower Canyons of the Rio Grande, on the
other hand, are some of the most challenging rapids in the Rio Grande. A
kayaker could be miles away from civilization in dangerous rapids
without any assistance anywhere near.

High canyon walls rise on both sides of the river, and a paddler would
pass days in a narrow gorge. The lower canyons possess the splendor of
the wilderness untouched by humans, away from civilization. It is the
river in all its natural wonder, from the placid Big Bend to the
turbulent rapids of the Lower Canyons that bring awe and wonder to those
who see it.

The Rio Grande has its source in Sguache County in Colorado, it travels
southward into New Mexico, and forms the border of Texas with Mexico
until it reaches its end in a sandy delta at the Gulf of Mexico. Shifts
in the river's channel have led to border disputes between the United
States and Mexico. The Rio Grande, one of the longest river systems in
the United States, really lives up to its designation of Wild and Scenic
River.

A 196-mile section of the Rio Grande, from Mariscal Canyon to the
Terrell-Val Verde county line, was designated by Congress as a Wild and
Scenic River. Rivers with this designation are free flowing , their
ecosystems actively protected in their natural state. Only 2% of the
rivers in the United States are unspoiled enough to meet the standards
of the Wild and Scenic River designation. The designation for the Rio
Grande came as recognition of the ecological importance of the riparian
and canyon habitat within the free-flowing section of river that borders
Big Bend National Park.

But all is not perfect in paradise. Historically, the Rio Grande floods
its banks seasonally. Now it no longer does because of damming. Water
levels that have been lowered by dams are also threatening the wildlife.
The river itself carries pollutants downstream, further threatening the
fish and native wildlife around the river's ecosystem. Parts of the Rio
Grande have dried up for the first time since 1955, and the low levels
caused by dams are not helping any. Some campsites have disappeared, and
river trips are becoming increasingly difficult when sections of the
river dried up.

Conservation efforts have been made to keep the Rio Grande in its
pristine condition, and the battle between nature's splendor and man's
impact goes on. To the Rio Grande , the Wild and Scenic river
designation is perfectly apt. It is wild, and scenic. Let us keep it
that way.

Randy Watson is a real estate agent with Cowboy, REALTORS serving South Texas and all San Antonio real Estate.
http://www.satxproperty.com/randy.php
Visit San Antonio MLS Home Search
http://randywatson.listingware.com/search/
for free online MLS Home Search. You are also invited to read more San Antonio blog
http://www.satxproperty.com/welcome/satxblog/events-and-tourism
articles.

Tips For Shopping For Wedding Day Essentials

Advice on Buying Essentials For Your Wedding Day

Your wedding day is a stressful but amazing time. One of the last things you want to worry about is what to give to wedding guests as favors, bridal accessories for your wedding, or bridesmaids and groomsmen gifts. You will, however, want to thank your wedding guests and wedding party to show how much you appreciate their support and help when you marry your true love. Here are a few tips and suggestions:

Choosing uncommon gifts is the perfect way to say, thank you. Purchasing bridesmaids gifts that are personalized like a personalized handbag, a scented spa product, or engraved jewelry adds that special touch to your present. You will be telling your bridesmaids that you were thinking about them while shopping. Giving bridesmaid's jewelry pieces that are personalized for every person in the bridal party shows thoughtfulness instead of simply selecting a large quantity of the same item to give everyone.

Your maid of honor holds an important spot in your heart and in your wedding party as well. A unique and personalized gift such as something imprinted with a special note will bring you both to tears. Bracelets, jewelry boxes, necklaces, and music boxes can be engraved to add emotion and sentiment to what you give.

Shopping For a groomsman gift can be very hard. Men don't really go for gifts that are sentimental. They usually prefer cooler things, but coming up with a gift for the groomsmen can be difficult. Try to come up with gifts that are more practical--something that they actually will use over things that are heavier on the emotional side. That doesn't mean a gift for the groomsmen have to be devoid of friendship or personal connection, it only means that men will appreciate gifts they can use. Think about giving items that are hand made to your groomsmen. Make coupon books redeemable for a double date or dinner at your place. You can also personalize polo shirts with the names of the groomsmen.

You'll also need wedding favors for your guests. Unique wedding favors are an expected tradition, and you will want to provide something for the guests to take home. Avoid outdated fruitcake packages and instead look for fun things that represent you as a couple or something handy people will enjoy. There also isn't a need to go way overboard on what you spend on favors, either. Something that is small, universal, and thoughtful will be just fine.

Finding wedding party favors and bridal party gifts will be a lot more simple if you have got an idea of what type and colors you would like prior to heading to the store. Don't wait until you are completely overwhelmed by the multitude of choices that are out there. More than anything, resist the urge to browse! By sticking to your prepared list for your gifts for the bridal party and wedding favor needs, will help you keep expenses down and finish your shopping on time and leave with only the items you needed to purchase.

Your wedding day should be a special one. Planning and a little self-control will help you to avoid impulsive shopping for last-minute gifts that aren't going to mean as much. Watch your list, shop wisely, and save your time for attention to details and pampering on the day of your wedding.

Ms. Evans is a writer for http://www.sweetmemorybaskets.com who writes and researches about getting the best of everything for your wedding. Get information and advice on groomsmen gifts, bridal party wear and personalized gifts to help make your wedding day all you dreamed it could be.

Understanding Amortization

It can be said that most people all over the world have either involved themselves in an amortization process in the past or are doing so right now. As such, it could be termed as the leading financial facility available to the people of the world in current times. Though the word ‘amortization’ may not specifically be used, the act of amortization could be very well going on in your own home right now.

In fact, amortization is the financial term for the very common process of paying off a loan. People take loans for several purposes – homes, cars, education, personal reasons, whatever – and when they set out to pay these loans back to the lenders on equated monthly installments, then it is said to be amortization. So, amortization is the tool with which a borrower is gradually snuffing out the loan till it is owed no more.

Calculating the amount of payments on a mortgage is a very simple task to do. Any borrower could calculate this amount with the slightest amount of mathematical skills. Suppose a home was bought for $150,000 and the person put down a deposit of $20,000. In that case, an amount of $130,000 is still owed. Consider the rate of interest to be 7% and the loan to be borrowed over a thirty year period. In that case, the amount of $130,000 divided by 30 plus the interest at the rate of 7% comes to something like $865. This would be considered to the monthly payment over the period of amortization.

With all amortization payments, the initial payments will have a higher proportion of the interests. However, amortization payments are not interest-only loans with a balloon payment at the end; so they will contain a major part of the interest but a small portion of the principal would also be paid over time. For example, out of the first monthly payment of $865, about $758 would be contributed towards the interest and the remaining $107 would go towards paying off the principal. As the months proceed this equation changes. The interest would become less and less and the amount of the payment towards the principal would go on increasing. Working out the above example further, the two hundredth payment could be something like this: the interest from the total payment of $865 would be about $526 and the principal amount would be $339. At this time, the total owed principal would go down to about $89,806. Hence, in the later years the principal is reduced faster than in the first few years.

In the three hundredth month, the situation would become something like this: out of the total monthly payment of $865, the interest amount would be $258 and the principal amount would be $607. The remainder of the principal owed would fall down to $43,682. In the second last payment, only about $10 will be towards the interest while a huge chunk of the payment – $855 – would go towards the principal. In the last payment, there will be no portion going towards the interest amount at all.

So the above example amply illustrates how the monthly payment works towards decreasing the principal and providing for the interest over time. While amortization, the person would begin by paying off the interests and end by paying off the principal amount.

Even after this, several people could find it difficult to calculate the numbers pertaining to amortization. But there is no need to fear on that count too. There are a lot of free amortization calculators available on several websites. It is better to calculate the amounts of payments on the loans beforehand so that the family is in a better position to calculate the monthly budget. To get a more concrete idea, there are accountant available who could calculate these figures precisely for you and even provide guidelines on how to save on money by tax deductions.

Having trouble finding the right information? Well take a look at Adam Heist's website. Take a quick look at Homeowner Loans right now, and we are quite certian that you will not be let down.

Finding African American Art

If you’re looking add African American art to your home, you need to know where to find it.While it might seem like an easy task, finding prints or paintings that are authentic and high quality isn’t always simple. There are three main venues that you can use to find African American art, however, but each has its advantages and disadvantages. Here is what you need to know.

Galleries are the first place to go when you’re looking for authentic pieces that are displayed by the artists themselves. You can also find an assortment of up and coming artists that are showing their work, enabling you to find an African American art piece while it’s still new and not as valuable as it will become. You can find these galleries by looking in your local phone book or simply talk to the curator of your local modern art museum. By talking to the museum, you can get an inside scoop as to where this art can be found. The only downside to galleries is that they can be difficult to find at first, and the pieces of art can be very expensive. Sometimes, these pieces of art will not grow in value, so you are taking a risk when buying newer pieces.

With online stores, you can gain access to a number of great prints, paintings, and sculptures that are hand created or reproduced pieces of African American art. These pieces are sometimes easier to locate online as they can be found in mass numbers as well as through a number of retailers. You can also find a wide variety of styles and prices to fit your home and your budget. The main concern with buying art online is that some of the pieces may not be produced by who the seller says they are produced by – in other words, you can find some that are fakes. However, if you take the time to investigate the seller and determine whether or not they are reputable, you should have no problems with your purchase.

Another option that the internet provides for buying African American art is online auction sites. These sites tend to offer an easy way to find specific time periods of art as well as numerous pieces that are for sale at any given time. By allowing you to bid on the works, you will be able to set your price and your limitations on that price. These sites also offer safe payment options as well as options for larger ticket items. The main concern with these sites is also the authenticity of the pieces of art. Since you’re not always able to investigate the background of the seller, you may be spending a lot of money for something that isn’t the real thing.

Finding African American art has become easier in today’s age of the internet and many local galleries, but when you’re shopping, you need to be careful that what you’ve paid for is what you’re actually getting in return.

Mr. Moyo Ogundipe has a Bachelor of Fine Arts degree from the University of Ife, Ile-Ife, Nigeria. His talents in Traditional African Art and Modern African American Art are well-known. He has created numerous beautiful African Paintings. Buy African paintings Online.

For more info: http://www.maigida.com

Marine Phytoplankton improves energy in less than three days

For thousands of years we've had the answer available to us, but only recently did we discover the meaning of Marine phytoplankton that supplies our ocean with 90 percent of the primary production and 50% of Earth's oxygen. With over 400 times the energy of any known plant Marine Phytoplankton has been found to be a nourishing and complete proprietary blend.

Health and Wellness is important to everyone, millions of people are looking for healthier products.Sea Phytoplankton have been an important part of our ocean health for millions and millions of years and hase changed life as we know it.

An amazing free floating single cell plant which is invisible to the human eye but so important that every living being in the ocean depends on its health and abundance for survival. The link between phytoplankton ecosystems and increasing ocean acidity could be key to better understanding future health of marine organisms.

Energy enters the food chain through photosynthesis and carbon sequestration by phytoplankton. In nature the phytoplantkon photosynthetic organisms perform a miracle by manufacturing their own food producing oxygen as the by-product and using energy from sunlight.

The surfaces of the sea are full of microscopic phytoplankton one cell drifting plants which convert energy from the sun and the elements extracted from the water into precious substances necessary for life. The end result of photosynthesis is the production of energy nutrients such as carbohydrates, proteins, and fats, from sunlight, carbon dioxide and water.

It is reassuring to know that a microscopic but highly powerful organism like phytoplankton contains the positive energy that we need to thrive despite various hazards.

Marine Phytoplankton contains many elements available no where else. Included are a rich source of glyconutriens which play an important role in good cell-to-cell communication. This whole food provides a rare and complete food that gives the body virtually all of the raw materials that it needs, in one single source, to produce healthy new cells and neuro-chemicals for the brain, such as dopamine and serotonum.

Learn
how Marine Phytoplankton improves energy almost immediately

Contractor Estimating - What They Need To Know

There are many different types of contractors. Each type has specific guidelines that they must follow.

In the construction industry, the guidelines can be very strict. In today busy world, those who are in the market for a contractor do not want to take any chances of hiring someone that is not properly trained. They prefer to hire someone who has a degree in one of five different fields. These fields are building construction, construction science, construction management, architecture or engineering.

Many construction estimators who work in the contractor-estimating field have extensive experience in construction this knowledge comes from working in the construction industry for many years.

Most consumers have little knowledge of the construction industry. Those who do have some knowledge of areas of construction such as heavy construction, masonry work, and electrical or plumbing applications find that they have an edge on everyone else.


Contract estimating is a highly focused industry. The person estimating the contract must have knowledge and experience in the industry that they are estimating. In the construction industry, employers feel much more secure if the contract estimator has a degree in the construction industry and multiple estimating techniques.

The contract estimator may visit the site where the construction is to begin to determine how much material will be needed and how many laborers will be hired. This method is call a quantity survey in which the estimator will complete many different standard forms with dimensions of the project, total number of units that will be needed, and all of the information needed to create an accurate estimate.

A cost estimator is hired by a General Contractor and will create an estimate that contains all of the materials and labor that is needed for a job. However the cost estimator has to take into consideration all estimates that are submitted by subcontractors also and include them in the estimate to be provided to the General Contractor.

The cost estimator must also take into consideration all heavy equipment needs, trash removal, weather and any other delay that may occur. These will increase the cost of the project, however most cost estimators will figure these factors when they draw up the estimate.

Nick Hurd is the developer of LiteningFast Estimating. LiteningFast is an estimating program that helps you estimate faster, easier and more accurately. It's integrated with QuickBooks to provide job cost. Contractor Estimating - accuracy and speed It was introduced to tbe market in 1994 and currently has over 3,500 users in the US, Canada, and around the world.

Stopping Credit Card Identity Theft

Credit card identity theft is on the rise, and if you are not careful you could become a victim and lose hundreds or even thousands of pounds.

Your identity is your most precious thing, and if someone gets hold of it they can make it look like you have spent vast sums and got yourself into debt. By the time you know the money has been spent, the thieves might have racked up many different credit card debts, as well as other loans and financial products. It pays to know how to prevent identity theft, so here are some tips about how to do just that.

Be careful with mail offers

One of the most common ways that thieves can get hold of information is to intercept or remove from rubbish credit card mail offers. Although many people remember to get rid of bills and other items properly, they forget about these items, as they believe they are junk mail. However, many of them have information about you on them and only require a thief to sign the document and send it back to obtain a credit card. If they get the card before you do then they can spend money in your name. Make sure that you properly shred or dispose of any financial mail, whether you think it is junk mail or not.

Keep all records safe

Apart from destroying unwanted mail, you have to make sure that any letters or records that you want to keep are stored safely. Although many people store their records safely at home, they forget about new records such as bank statements when they are out and about. Many people have their information stolen by leaving a bank statement lying around whilst at work or out somewhere. Make sure this does not happen by keeping all your important documents safe and secure.

Be safe online

Another way that thieves can steal your information is through the Internet. Make sure that you only use your credit card on web sites that you trust, and never give your information to over an email or phone call. Make sure that the page where you enter your details is secure using HTTPS, and try and limit your online credit card use to your home computer rather than in public places.

Check your statements

The trouble with identity theft is that you don’t usually know it has occurred until it is too late. The best way to stop identity theft before it gets out of hand is to regularly check your credit card statements. You also keep all your receipts and compare them with your statement so you will easily be able to see if there is anything out of place. If there is something on your statement that looks wrong or odd, contact your card issuer immediately and they will be able to help you.

You are covered

Although identity theft can be a big problem, if you can prove that you did not buy any items or give up your information, then your card issuer should be able to refund all or part of the money that was taken. If you follow these simple steps then you will be less likely to become a victim of credit card identity theft.

Peter Kenny is a writer for The Thrifty Scot, please visit us at Loans and Bank Charges
Visit http://www.thriftyscot.co.uk/

2007-05-20

The Accessible Investment Market that Makes NASDAQ Look Like a Lemonade Stand

Most people still have no clue. It’s not even listed in the financial section of most U.S. newspapers. Yet the Forex does more business in one day than all the stock markets in the world do in 60 days! That’s right – we’re talking between 1.8 – 2.2 Trillion dollars of business every day.

What is the FOREX, or FX for short? Both are acronyms for Foreign (Currency) Exchange. Up to the late 1990’s – this incredible market was the domain of the privileged: Central Banks, large financial institutions (Goldman Saks, etc), high net worth individuals, and governments. Today everyday people are now able to enter - and profit from - this incredible marketplace.

There are a bunch of benefits that make the Forex market a far superior investing &/or trading vehicle than any other financial instrument in the world. For example:

In the stock market – if you open an account with at least $25,000.00 – the Broker will allow you to purchase $50,000.00 worth of stocks. That is allowing you to Leverage your money on a 2:1 basis (2 to 1). Not bad right?

Well compare that to what many Forex Brokers are offering: 100:1, 200:1 and even 400:1 are available – even for starting balances of just $1,000.00. This means for every $1,000.00 of your money you bring to the table you can control up to $400,000.00 of currency! Now THAT’s what I call Leverage.

What’s important about Leverage? Using Other People’s Money (OPM) has been a major source of people & businesses generating wealth. Business loans, real estate loans, etc. Using the Forex to access large leverage rates offers gigantic opportunity for making money – and now the average Joe can get in on the action.

The fact is that banks and institutions like Goldman Saks have made a good portion of their profits from trading in the FOREX (there’s a reason the tallest buildings in every town are bank buildings).

The challenge in taking advantage of this market lies in the typical learning curve required to become a successful trader in the Financial Markets. This applies to whether you are trading Stocks, Options, Futures, or the Forex.

Training and Trade Recommendation services abound – but need to be scrutinized closely. Many charge thousands of dollars for software, training, or both. The point is – don’t get swept up in the excitement of the huge profits available in the market before doing your homework.

Contact me if you want to learn the other major benefits of trading the FOREX over stocks, options, etc – the differences will amaze you. If you are able to find just 20 minutes a week I can help you to enter and profit from this incredible market - even if you are a complete beginner to investing. If you can use a PC – then you are well on your way!



John T Kelly is a partner in the Vision Group - a business focused on sharing personal and financial leverage to build dynamic organizations and incomes.

His broad background includes working in Management, Consulting, and as a Hypnotherapist/Business Coach. Contact John for a copy of a Sample Report on the latest breakthroughs in generating personal wealth. http://www.Simple-Forex-Profits.com

How To Calculate Profit and Loss in Foreign Currency Trading (Forex)

The foreign exchange market, or Forex market, is an around-the-clock cash market where the currencies of nations are bought and sold.

Forex trading is always done in currency pairs. For example, you buy Euros, paying with U.S. Dollars, or you sell Canadian Dollars for Japanese Yen. The value of your Forex investment increases or decreases because of changes in the currency exchange rate or Forex rate. These changes can occur at any time, and often result from economic and political events. Using a hypothetical Forex investment, this article shows you how to calculate profit and loss in Forex trading.

To understand how the exchange rate can affect the value of your Forex investment, you need to learn how to read a Forex quote. Forex quotes are expressed in pairs and usually in five-digit numbers. In the following example, your pair of currencies are the U.S. Dollar (USD) and the Canadian Dollar (CAD). The Forex quote, USD/CAD = 170.50, means that one U.S. Dollar is equal to 170.50 Canadian Dollars. The currency to the left of the "/" (USD in this example) is referred to as base currency and its value is always 1. The currency to the right of the "/" (CAD in this example) is referred to as the counter currency. In this example, one USD can buy 170.50 CAD, because it is the stronger of the two currencies. The U.S. Dollar is regarded as the central currency of the Forex market, and it is always treated as the base currency in any Forex quote where it is one of the pairs.

Let's go now to our hypothetical Forex investment to show how you can profit or come up short in Forex trading. In this example, your pair of currencies are the U.S. Dollar and the Euro. The Forex rate of EUR/USD on August 26, 2003 was 1.0857, which means that one U.S. Dollar was equal to 1.0857 Euros, and was the weaker of the two currencies. If you had bought 1,000 Euros on that date, you would have paid $1,085.70.

One year later, the Forex rate of EUR/USD was 1.2083, which means that the value of the Euro increased in relation to the USD. If you had sold the 1,000 Euros one year later, you would have received $1,208.30, which is $122.60 more than what you had started with one year earlier.

Conversely, if the Forex rate one year later had been EUR/USD = 1.0576, the value of the Euro would have weakened in relation to the U.S. Dollar. If you had sold the 1,000 Euros at this Forex rate, you would have received $1,057.60, which is $28.10 less than what you had started out with one year earlier.

As with stocks and mutual funds, there is risk in Forex trading. The risk results from fluctuations in the currency exchange market. Investments with a low level of risk (for example, long-term government bonds) often have a low return. Investments with a higher level of risk (for example, Forex trading) can have a higher return. To achieve your short-term and long-term financial goals, you need to balance security and risk to the comfort level that works best for you.

Gregory DeVictor is a consultant and has been developing and marketing web sites since 1999. You can learn more about Forex trading at: http://www.Forex-Trading-System.name

How You Can Get Over A Business Setback

If you have suffered a setback in your business, it can be tough to get back on the proverbial horse.

You may have lost confidence in yourself and your abilities. However, the longer you wait to start working once more, the harder it will be to get going again. The following are some tips to help you overcome a setback.

Stay Structured
A structured schedule can serve as both a reminder and motivator. As the old saying goes “plan your work and work your plan”.

Keep Learning
Learning new skills can help motivate you. You may choose to take a class that will further develop skills you already have or learn something new entirely. You can participate in formal classes at your local college, listen to conference calls and teleclasses, or simply buy a business-related book at the bookstore.

Hire a Business Coach
A business coach can help you evaluate your business, as well as your strengths and weaknesses. They can help you formulate a plan to get back into action and provide motivation to help you succeed.

Outsource Tasks
If there is a particular task that you do not enjoy and you find it becoming a hindrance to your business (for instance, you procrastinate instead of getting the job done), outsource the task to someone else. The task will be completed and you can move on to work you enjoy.

Mix Up Your Work Environment
Mixing up your work environment can energize you and breathe new life into your business. For instance, if you tend to work exclusively online with clients, try finding some local ones to work with.

Joint Ventures
Teaming up with someone on a joint venture can also be a great way to get over a setback. You will be able to dive back into a project, but will have another person to share the work with. This can help alleviate any pressure you feel about your tasks. Having a partner to bounce ideas off and brainstorm with can add a fun element to your business.

Use Your Strengths
If you constantly work at activities that you don’t feel you do particularly well, you may end up feeling challenged and unsuccessful. People tend to enjoy doing tasks they are good at. Think about what your strengths are, and use those skills in your business. It will make your work a lot more enjoyable.

Treat Yourself Well
It may take some time to get over your setback. Give yourself time to get back into the swing of things. You do not have to be an overnight success. Once you accomplish a goal, reward yourself.

Ryan Even has a free blog where you can get internet marketing tips daily. Visit RyanEven.com now. Internet Marketing Blog

Tenant Loans - Unsecured Loans For Holidays

Going on holiday? Need the cash to cover the cost and the spending money? Unsecured loans are very popular with tenants and the money is available quickly too!

When you’re shopping for a holiday, you’re often looking for the perfect getaway. Long, sandy beaches, cocktails from the bar, gentle strolls through the local markets and for the children to have some fun in the sun. The trouble is that holidays don’t come cheap, even if you bypass the travel agent and book it all direct yourself. If you have a family to take with you, then you’re probably going to need a lump sum to pay the balance to the travel agent and to provide that all important spending money.

For tenants looking to raise finance, unsecured loans and tenant loans are often the perfect solution although sometimes, it’s not as easy to arrange a loan as you might hope and when you are committed to paying off the balance, you need to get the money from somewhere or risk losing your deposit.

When you apply for unsecured loans, it is worth taking the time to understand how the system works so that you can maximise your chances of being accepted for the loan. With unsecured loans, you are not guaranteeing the repayments against any collateral. For homeowners with a mortgage, they can opt for a secured loan that enables them to take out some of the equity in their home and use it for a wide range of personal uses. Tenants who do not have a property that they own often struggle to raise the money because they find that lenders can be more picky about lending money when there are no real guarantees in place. Sure there are the courts to provide legal redress and they can employ teams of bailiffs to go and impound goods and chattels for resale to get their money back but it is an expensive process and is less than ideal when trying to build the brand of a friendly, caring and responsible company.

The lenders will therefore make every effort to ensure that the loan is right for you before sending you the cheque. They will look at your background to ensure that there is stability in your property tenure, in your employment and your citizenship. They will produce an income and expenditure account for you so that they can see realistically, just what money is available each month after all of your regular outgoings, to use to repay the new loan. They will also look at your credit file which is a record of your credit applications, your repayments and your defaults so that they can judge how likely it is that you will repay the money that you are looking to borrow.

If all of these things are satisfied, you may have yourself a deal and can look forward to flying off to the sun to have the time of your life. Just make sure that when you apply for the money, whether you choose to apply for unsecured loans or tenant loans, that you are realistic about your credit history and your monthly disposable income. Choose a lender that specialises in helping people with your profile and you’ll have a much better chance. Failing that, enquire about the loan through an online finance broker and they will do all of the legwork for you and remove all of the hassle in the process of selecting the right lender for you. Happy hunting and have a great time on your hols!

This article is free to distribute although please retain any links that may appear in the body or the author bio. Thank you.

Andy Silk is FinanceGuru for FeelGoodLoans.co.uk, specialists in unsecured tenant loans, loans and mortgages for UK homeowners and business owners.

Indoor Rock Climbing Wall - Learn to Rock Climb

Have you considered giving the sport of rock climbing a try, but dont know where to begin to learn all you would need to learn to be a rock climber? Look no further than an indoor rock-climbing wall.

An indoor rock-climbing wall allows you to learn in a safe and secure environment where a fall from the wall wont mean a fall to your death. You can find an indoor rock- climbing wall at any rock climbing gym. These types of gyms have become quite popular, so there are many of them around. To find one is easy, just look in your local yellow pages, or do some research and find a rock climbing gym online.

You will love learning on an indoor rock-climbing wall. A fully trained and experienced staff is usually on hand when you join a rock climbing gym. There you will be surrounded by people who share your interest in the sport of rock climbing. People of all rock climbing experience levels will be there, not just pros.

When you learn rock climbing at an indoor rock-climbing wall at a climbing gym, you will become familiar with all the safety techniques and procedures that are involved. They are many, as rock climbing is not always the safest sport. You will have to make quick decisions and be light on your feet and ready for anything, when you go rock climbing.

At an indoor rock-climbing wall at a climbing gym, you will become familiar with the terminology that is used and all of the gear that the sport entails. It can be a costly sport with having to buy special shoes, harnesses, ropes, and backpacks to name just a few. You dont have to be particularly athletic to enjoy rock climbing; you need to be graceful and light on your feet.

Anyone at any age can learn to rock climb. All it takes is the desire and some determination. The best place to perfect your moves and techniques is at an indoor rock-climbing wall at a rock climbing gym. It will be there that you will get ready to take on your first sheer cliff challenge.

For more information about Indoor Rock Climbing Wall?, feel free to visit us at: http://www.rock-climbing-zone.info/Articles/Rock_Climbing_Walls.php

Watch Satellite TV Online – Enough Reasons for Online Satellite TV?

To watch satellite TV online would not make you a pauper or burn a big hole in your pocket. In fact, online satellite TV is one of the most affordable methods currently for anyone who wants to watch satellite TV on a shoestring budget. All it takes to provide clear and brilliant TV reception to your whole family is using a downloadable PC satellite TV to watch satellite TV online.

If you are hunting for a new system to watch LIVE TV on PC, consider several advantages of PC satellite TV software to watch satellite TV online when considering different options like PCTV display cards, monthly satellite TV subscriptions etc.

1. One-time Payment For PC Satellite TV Software

Perhaps one of the main reasons why anyone would go for this option is the relatively low cost to watch satellite TV online. A PC satellite TV software for online satellite TV probably costs you no more than $50 to enjoy LIVE Satellite TV on PC as compared to subscribing for satellite TV channels with service providers which can easily set you back by $20 – 100 over every month. Once you purchased the software, you are free to watch any TV channel without restriction and additional charges for new TV programs that come on later.

2. Versatility to Watch Satellite TV Online With Desktop or Laptop

Do you own more than one computer? You may own a laptop at home. As long as you have access to the internet, you can use the software on your laptop or desktop. The flexibility is there. With a wireless router, you can watch satellite TV online in your bedroom, kitchen and even when you are dipping in your bathtub.

3. No Need for Additional Hardware to Watch Satellite TV Online

In case you may be wondering if you need special hardware or equipment to configure your computer for satellite TV online. You need not fix any additional hardware or PC card on your PC. The software works fine on any computer which runs on a Pentium 3 and above on Windows OS. Software only requires a minimum 56k internet connection though a broadband would deliver superior audio and video quality.

4. Direct and Instant Delivery

Since the software is downloadable from the internet, you need not wait for any shipment or delivery to your doorsteps. I can imagine how anxious you would be after purchasing the software to watch satellite TV online if you have to wait for the hardcopy to arrive at home. Well, there is no need for that. Download is instant and a few clicks away.

5. More Than 3000 Satellite TV Channels Online

There are well over 3000 satellite TV stations and channels to choose from. It is TV suitable for the whole family. And these channels are from over 30 different countries. You also get to watch satellite TV online in other foreign languages.

6. LIVE Sports Games to Watch Online

Anyone can watch LIVE games on satellite TV online happening in other states and countries. Unlike the local stations, you are not confined to watching games that are taking place in your home town or state. You can tune in to watch your favorite NFL or NBA game that is going on in the other side of the country.

7. A New TV for the Kids

Rather than spending money to buy a new TV for your kids, simply buy the software and install it on their computer and they have a new TV set.

These are some benefits to watch satellite TV online with PC satellite TV software. Read up more about PC satellite TV at my online TV blog and see how it compares against other ways to watch satellite TV.

Davion is a successful webmaster, author and fan of TV shows. Discover how you can instantly watch satellite TV on PC, tuning into hundreds of LIVE world channels of news, movies, music and kids program at http://Watch-Satellite-TV-On-PC.blogspot.com.

How To Paint A Ceiling

Before starting anything, you should know first what color to use. Know your basic color scheme. The color of your ceiling should compliment the color of your floor and walls. If you want a harmonious, unbroken look in the room, you could use the same color for the walls and ceiling. Imagine how your color will match to your furniture or furnishing.

Low ceilings sometimes give an oppressive feeling, while a high ceiling can give an airy and light feeling because of the large space. If you have a low ceiling but want to have it heightened, you could try a very pale color to make it recede, like the shades of sky blue. Use also a different but lighter color than what is used on the walls.

Usually, white is the color commonly used in painting ceilings. The main reason for this is because it reflects light very well and it goes with everything. But for a change, try to go beyond white. Choose another shade that will go with your decor and the rest of the room.

Contrary to the tradition, white can actually make a ceiling look more distant in rooms with lofty, high ceilings and lower with those who have low ceilings. If you have ceilings higher than eight feet, have a shade or two that are darker than the wall color. If it is eight feet high or lower, use shade or two that are lighter than your walls. This can add coziness to high-ceilinged rooms and give an illusion of space to rooms with low ceilings.

Before painting, make sure you cover your walls with a drop cloth. Remove also the curtains and pictures on your walls; surely you don't want them to be wasted. Remove also your furniture so you can have a clear access to the room in all points.

If you are about to paint the ceiling, start from the corner farthest from the door. Use a trim brush to apply paint on the ceiling edges along with the wall-ceiling edge. Try to finish the painting of ceiling in each room plane in one painting session. This is because if you allow sections of the ceiling to dry at different times, this may cause visible lap marks.

It will be simpler and easier to use a roller when painting a ceiling than using a large brush. If you have a low ceiling, you can just use a handler extender so that you won't need a ladder.

If your ceilings are textured, though it will take more time, be sure to have the area well covered. You can use a thick nap roller to ensure that you cover all the bumps and irregularities.

Most ceilings don't line up with the walls perfectly, this can make the paint-lines uneven especially if the ceiling color is different from the wall. If you have problem like this, use your wall-color paint to paint the strip along the ceiling where it meets the wall to conceal imperfection. This strip of wall-color paint will give an illusion that your walls and ceilings are line-up straight.

With these tips, definitely you will have a great ceiling in your room. Remember to enjoy and have fun while painting.

To learn more interior house painting tips, visit http://www.homepaintingdiy.com.

It's True, You Can Make Your Own Diesel Fuel, But You Have To Be Smart About It

Biodiesel is a technology that was introduced for the first time back in 1900, but is now really creating an interest for those of us interested in easing our dependency of foreign oil. The process of making biodiesel is really quite simple. All that needs to happen is having an organic matter converted into diesel. The organic matter can be something as common as vegetable oil or soybean oil. These can be used as the base organic matter that is converted into biodiesel.

Because of the simplicity of the biodiesel conversion, many people have started to make biodiesel on their own. This is especially true of farmers who can go through a lot of fuel very quickly. Many have found that they find a huge savings in fuel costs once they start to make biodiesel.

While it may sound exciting to make your own fuel, I want to caution you that while it is a simple process, it can also be a dangerous process. Therefore I am telling you that this article contains only information for those who are interested, for the sake of education, in how biodiesel can be made. If you try anything that is mentioned in this article, you do so at your own risk. If you are considering making biodiesel you need to be very careful when researching this procedure. You can hurt yourself and your vehicle if this is done incorrectly. Therefore, I highly recommend that you take a class in making biodiesel fuel. Of course you should also follow all safety precautions you learn about in class.

Be aware that there may be some local and state regulations about making your own biodiesel. These regulations are basically set up so that you have to pay tax on the fuel you make. After all if they lose the tax money at the pump, you can be sure they will find another way to get it from you.

As you can imagine, this is causing a lot of hard feelings with farmers. You see farmers feel they have a right to use what they have grown on their own farms to make their own biodiesel. And who can blame them? This is one of those issues that will be evolving over time and should be very interesting to watch.

The bottom line is that homemade biodiesel is possible, is much better for the environment and can save you a lot of money. But, do your homework before attempting anything like this and it is even better if you can go a take a class on homemade biodiesel fuel before setting out on your own.

Go to Lee's site, http://biodieselfuelalternative.com/ for more information on biodiesel fuel.

Get Started Growing Your Own Fruit and Vegetables

Growing Your Own Fruit and Vegetables: When to start?

In the past allotments traditionally changed hands on September 29th which is the set date for paying agricultural rents. Autumn is the ideal period to take over a plot. It gives you the time to prepare for the following year, often in reasonable weather. Many allotment sites use the calendar year, or start at other times- but it’s worth contacting them at any time of the year to see if they have any vacancies, or a waiting list.

The key to long-term success with an allotment is to be realistic about how much you can tackle. Take things slowly planning to do less than the maximum. It will take several years to get things as you would like them. The whole point about allotmenting is that it should be recreational, fun even, for everyone involved. It shouldn’t be a chore- and it doesn’t have to be a competition with your neighbour!

Tools and Equipment.
If you don’t already have a collection of gardening tools, take time to choose what you need for the allotment. Always handle a tool before purchase so you know that you are comfortable with it. Handle length is crucial for spades, folks, hoes and rakes. Look out for longer or shorter handles if necessary.

If you are tall, buy a rake or hoe head on its own, then fit a longer handle. Weight is also important- remember that a spade will be loaded with soil when in use, so don’t buy one that feels heavy when you pick it up empty. A boarder spade or folk, which has a smaller head, is often a good choice. You will be able to keep working longer if each spade is not an effort. If possible try out other peoples tools on the ground first. When buying tools children, make sure that they are designed for proper use, nit just as toys.

Second hand tools are often available through ads in the papers or at car boot sales. They will generally work as well as new ones at a fraction of the price.

As many allotment plots are infected with soil-borne pests and diseases, it can pay to have a separate allotment tools to prevent disease going into your garden soil


Vegetable Gardening is an amazing hobby. Vegetable-Gardens have loads of information on how to easily grow your own organic fruit and vegetables at home. Seeds can easily be ordered online from places such as Suttons Seeds which means you have no reason not to get started growing your own

2007-05-13

You...an Immortal Entrepreneur?

This is probably one of the most important lessons I have shared with business people this year.

Do you want to know the secret of becoming Immortal in Business?

You leave behind a legacy that outlives you and your business. Your business becomes a vehicle for giving you AND others a level of freedom.

How do you reach such success to be able to do this?

You find a way to turn your passion into profit for a purpose.

Passion is the starting point to all great successes and happiness in life. The business owners who thrive are driven internally by their love for what they do. If you have ever found yourself lacking motivation it’s because you have lost your passion for a moment.

Your passion can come from the strangest source. It doesn’t have to be your product necessarily. It can be the Team work. It could be the success of your customers as a result of dealing with you. It can be training others to succeed.

Whatever it is, stay focused on that passion and act on it daily. You will notice it becomes effortless as you get into the “flow”.

This “flow” is something many sportspeople speak of. Business owners can access the same power.

But turning your passion into profit is another thing. To do this, you must combine your passion with your strengths. Without your strongest talents and skills being naturally used, your passion can leave you running around in circles like a motivated dog chasing its tail.

You see, I have a passion for music. The problem is I’m not highly talented in music. So for me to pursue a career in it would be foolish. We all have passions in many areas. To succeed you need to work with your greatest strengths.

One of my other passions is for business. I love the psychology of selling and marketing. Thankfully, it is also one of my greatest strengths. You must get clarity around your own strengths and passions to truly experience freedom, wealth and happiness.

“Success becomes a natural consequence of combining your passions with your strengths.”

Delegate what you are not strong at and give it to someone who is.

Every minute you invest working on something you are passionate about is a minute well invested. Every minute spent doing something that you don’t enjoy or aren’t very good at is doubly wasted.

You lose the minute you could have invested on your own passion. And you lose a minute of someone else’s life by not giving them the opportunity to work with their strengths and passions by delegating it to them.

Ever notice how many people are running around working on projects or jobs they don’t like. If we all began to develop a deeper understanding of this, we could collectively begin to change it. And it all begins with you and me.

I hope this helps give you some clarity as you enter the New Year.

Since this is the final time I get to chat with you this year I have an extra gift for you.

Free 18 Day Online Course from one of the World’s Best Thinkers
Just go to http://www.scottgroves.simpleology.com/?cellwireless

This is a powerful course that can triple your effectiveness in as little as 15 minutes a day. It’s very powerful and very simple. Enjoy it as a gift from me to you. It won’t cost you a cent to get the 101 course if you use the link I set up for you above.

I wish you all a Merry Christmas and may you enter the New Year more focused and more driven to make a difference than ever before.

Think BIG! Act BOLD! Have FUN!

Your friend,

Scott Groves

Scott Groves is the Founder of "Immortal Entrepreneurs"
Discover how easily you can become Immortal in business - visit
http://www.ScottGroves.com
(C) Copyright Scott Groves 2006

Your Dog May Be Suffering From Heat Exhaustion

Any dog would love spending its time in the great outdoors, running along the sidewalks, playing in the pond or lounging in the park. Dogs prefer to hang around outside the house because that’s where all the action is at and dogs love excitement! Besides knowing that your dogs have their fun while outdoors, being a dog owner, you must be aware of the temperature outside, and when it gets to hot, it may be dangerous for your dog, for it may experience heatstroke or heat stress.

When we humans are active outdoors when the weather is hot we usually find ways to cool ourselves off, such as drinking lots of water, and or going indoors to chill out. But when dogs are engrossed in what they do, they forget that they are actually tired and thirsty and they may spend a long time outside without replenishing their body with water, or cool off.

Heat problems dogs experience usually come from heat stress, which results from too much exposure to high temperatures, or from heatstroke, which is also from too much sun but with high humidity levels. If the dog has lost a lot of fluids and does not rehydrate it may cause it to experience cellular breakdown, heart failure and even brain damage.

There are some dogs which are more prone to internal injuries because of heat stress and heatstroke. If your dog has cardiovascular conditions, or respiratory issues, overweight, or is short-nosed buried, it may experience damage three times faster than other dogs.

Pay attention and care to your dog if it tends to stay out long in the hot weather, and look out for signs that show that it may be suffering from heat conditions.

-When your dog staggers instead of walking properly.

-When he pants more than usual, with a slight rasp.

-When he looks overtly anxious with a delirious expression.

-Warm skin as well as dry.

-Weak and restless behaviour.

-Having a temperature of over 104°F.

-Watch for inappropriate salivation in his mouth.

-Diarrhea and vomiting symptoms.

For more information on Dogs Health or visit http://www.puppydogobedience.com/8-signs-that-your-dog-is-suffering-from-heat-exhaustion/, a popular website that offers information on Dogs, Dog Training, and Dog Breeds. Please leave the links intact if you wish to reprint this article. Thanks

Your eBay Feedback Score Can Mean the Difference Between Profit or Loss

eBay feedback is an eBay seller’s best tool for instilling trust with your potential buyer. The higher the eBay feedback score, the more likely that the buyer will trust you. Buyers put their trust in sellers with the hopes of receiving exactly what they purchased. So what exactly do they look for?

Potential buyers first look to see what experiences others have had through the seller’s eBay feedback page. They look for speed of shipment, whether the seller actually communicates with their customers, if the previous buyers are happy with the quality of the products, and most importantly, what negative comments are left for the seller. Buyers look at this so they can get an idea of what to expect if they decide to move forward with the transaction.

With that it mind, it should go without saying that you should take great care in preserving your eBay feedback score. And you do this by doing three simple things:

1. Give them what they want. Be as descriptive as you can in your listings, so when they open their package from you they know exactly what they’re getting. Probably the most common complaint by buyers is that the product “was not as described”. This is the easiest way to receive negative eBay feedback.

2. Provide exceptional customer service. This means replying to all customer inquiries in a pleasant and timely fashion, and letting your buyer know when they will be receiving their item. Customers like being “in the know”, and you want to make the buying experience easy and enjoyable.

3. Deliver items quickly. Ship the product out within two business days. While purchasing on eBay can be equated to purchasing through mail order, you want to be sure to exceed your customers’ expectations by providing fast shipment.

Doing these three things will ensure an eBay feedback score you can be proud of. As more and more buyers trust you, your feedback continues to build, which in turn leads to even greater trust, and that translates into sales. And the cycle continues.

Your sales are directly affected by your eBay feedback score. It is a testimonial to the way others perceive you, your products and your business. The bottom line is this, take care of your customers, and they will take care of you.

If you want to learn more about how to leverage your eBay feedback to become an eBay PowerSeller, head on over to Steve Goltiao’s site at http://www.PartTimePowerSeller.com.

Your First eBook And How To Write It!

Without any shadow of doubt, if you ask any writer what is the hardest part of what they do, they are likely to tell you that writing the first sentence is the most difficult bit.

Before you start, when you are looking at the whole project, it’s like sitting at the bottom of a very tall mountain. But, the fact is that the mountain is there to be climbed and, no matter how tough it is, it CAN be climbed, step by step.

Writing an eBook is no different. A daunting, perhaps even scary task before you set out on your journey, but one that will get progressively easier as you become more and more skilled at dealing with the task in hand. Like the mountain, it’s a step by step process, sometimes laborious, sometimes inspiring, until one day you arrive and the “summit” and write your last word!

The first thing that you need to do before you attempt to write one single word is to get organized.

Start out by coming up with a few potential ideas for the title of your book. Simply write down everything that comes into your head an eventually, you’ll find what you are looking for.

One thing that helps me with titles is to try and think of them when I am NOT at my computer. If you try to think of titles when driving your car, taking the train or digging the garden, the different perspective of your surroundings will often generate title ideas that are really original!

Aim for a title that tells your potential reader what the book is about, whilst also being intriguing enough to make him or her want to know more. For example, use words like “secrets” or “hidden”, to imply that there is more than the title is telling them.

Have a clear picture in mind of who your target audience for the book is and try to “connect” with that audience in your title.

For example, if your eBook is about gardening, which tends to be a more mature persons hobby, a title like “Yo, dude, dig that lawn” whilst undoubtedly pretty “trick” and clever, would be a complete waste of time!

Next, write a two to three sentence outline for you eBook. What is the problem and how your book will solve it is basically what you are after here.

The purpose of this is to keep you focused. At all times, make sure that everything that you are writing supports the ideas and proposition that you are putting forward in your book.

Also, this outline will stop you wandering off down “blind alleys”, writing about stuff that, whilst it may be very interesting or informative, in fact, it does nothing to support what you are writing about.
Such “off topic” meanderings in eBooks are very common, and are often known as “fluff, “filler” or (more succinctly) “BS”! Fill your eBook with this stuff, and the reader will pretty quickly cotton on to the fact that you don’t really have much to say, and the amount of people asking for their money back will be depressingly high!

This brings us to the most crucial question that you must ask yourself, as unemotionally and in as detached manner as you can possibly manage.

Is it really worth writing your eBook at all?

Is your idea big enough to fill a book, or is it just an article stretched out to the maximum? Are you genuinely imparting new knowledge or perhaps old knowledge presented in a new and refreshing way?

In other words, will someone who bys your eBook get value from it?

Only you can decide this before you write the book but you must be self-critical to the max, because, as sure as eggs is eggs, the people who buy your book will be!

Will your book contain genuinely useful information and is that information right up to date. It’s amazing the number of eBooks that come to the market spouting stuff that was working last year as “the latest thing”!

Can your book positively affect the lives of your readers? If so, how, and how easy or difficult is it to act on your ideas and suggestions?

Is your book a good read, one that will retain the attention of the reader?

If you can, with hand on heart, answer yes to these questions, then you sound like you have something worth getting out there, so start writing!

Remember what we said earlier about the title? Aim it as specifically as possible at your target market? The same goes for every word of your eBook. Do NOT try to aim your book at “everyman” – target your market, never lose sight of who that person is and aim every word you write at them.

For example, going back to our earlier example, your eBook is about gardening. Try to think of someone you know who enjoys their garden and aim every word at that specific person. In fact, give them the first copy to read when the eBooks finished – I’ll guarantee that they will come up with many useful additions for you!

Think about why you are writing the book in the first place. What is it that you want to achieve by doing so? Are you planning to sell it from a website, or give it away as a free gift, trying to collect names for a list? Are you planning to split it up into separate modules to give away as an e-course?

Perhaps you just want to use it to help establish your credentials as an expert in your chosen field?

Only you can answer this one.

Aim at all times to make your writing as engaging and interesting as possible.

Use real life examples, stories, anecdotes, testimonials, illustrations and pictures to break up your “message” into bite-sized hunks. Keep our sentences short, and aim to write reasonably informally and in a friendly manner. You are not attempting to write a classic of literature and an informal, relaxed style tends to work best.

Don’t expect to be a great writer straight out of the box. Many people approach writing their first eBook never having written anything more than emails since they left school, and writing needs practice.

Once you begin writing, try to target a minimum amount of writing that you will do every day, so that you can get into a rhythm. Personally, I would strongly suggest that you do not begin every day by going back and reading what you did yesterday. Doing this, you end up wasting your time “editing” your work and this is a job that you should leave until the first full drat of your book is complete.

Remember that I just suggested that you should not aim to write a literary masterpiece?

Bear this in mind when you are formatting your book. Whilst written books often tend to have a fairly high percentage of the page covered in type, your eBook will sometimes be read onscreen, and therefore there have to be plenty of white areas to avoid straining the reader’s eyes!

Use plenty of bulleted lists. This highlights the points that you are trying to make in a way that is particularly easy to absorb and comprehend.

Pick an easy to read font (I tend to use Verdana) and make sure that the spacing between lines make the pages of your eBook comfortable to read, even on the smallest PC screen.

Spell check the whole thing, but don’t rely on it totally. Type in “an” when you meant “and” and the spellchecker may well miss it (it is a word, after all) but it could make your sentence nonsensical, and lead your reader off in completely the wrong direction!

Proof read it at least a couple of times, and then get someone else to do the same. Absolutely, totally guaranteed that they will pick up errors that you missed (I used to proof read for a leading English school in Japan, so I know what I am talking about!)

Finally, compile the book itself. The most widely accepted format for such publications are PDF files, and these also allow you to publish your book with in-built security features, so that people cannot, for example, copy and past your work.
If you need a great free tool for creating PDF files, do a search for PrimoPDF. I use their PDF creator tool all he time, and would thoroughly recommend it to anyone.

Once it’s in PDF format, that’s it, you’re done.

Great job – you are now a full fledged member of the eBook writer’s guild (or, you would be, if I hadn’t just made that up!).

Steve has much more free advice about writing and many other topics related to the internet on his blog site at http://webbiz99.com

Your Home Business and Your Taxes

With the internet in its phase two of a bubble, the growth in home businesses has been large as well. Your home business is convenient to you, only involving going places through the internet, and it also helps to lower your taxes. You have to keep track of your expenses, and try to separate your business expenses from your personal expenses. If you can keep track of simple things, the tax deduction benefits can be enormous. Talk to your tax advisor about the possibility of tax deductions from your home business. Possible deductions include educational expenses on courses you need to run your home business. Also, if you are joining a business or franchise you may have to pay fees or join various buying “clubs” and these can be claimed as a deduction.

Of course a telephone line for business use is necessary. If it is a separate line for only business this is obviously a tax write off. Having a room in your home that functions as the home office means that part of your mortgage or rent can be written off as well. There may be limits to how much of your home expenses to write off, so working with a tax advisor or an accountant who is familiar with these things is always a good idea. Other devices you may need include a new computer for your business, a fax machine, a printer, a copier. For certain phases of your business in the real, non-virtual sector, you will also have to use your car or possible a truck. Advertising can be claimed on your taxes. Advertising is a business expense and in most cases can be written off. If you suffer bounced checks from customers and can not collect on them, those amounts may be deducted, along with any fees you were charged. There are also state and federal tax deductions, which are “above the line” for alternative fuel vehicles, including hybrid vehicles, which use electric motors as part of their energy mix.

The biggest and best tax deduction is to form your own business. All you have to do is prove that you have a profit motive. You don’t have to actually make any money doing your job, at least not immediately. You may decide to go into business as a sole proprietorship, or it could be advantageous to form an LLC, or S-Corporation, as a pass through entity on your taxes that still protects your personal assets from seizure.

Adam Heist is an expert in the field of loans and runs a highly popular and comprehensive personal loan web site. For more articles and resources on loans related topics and much more visit his site today.

Your Immune System Needs Balance

Taking an immune system supplement daily is very important. However most of us don't do it until we get sick or don't feel good. It normally takes getting sick or achy before we launch into our get well mode. Generally we resort to medicines, OTC pharmaceuticals, herbs, and other products to treat our symptoms. The problem with that is none of those things deal with the real problem as an immune system supplement does.

To make matters more difficult most of us don't take the proper steps to prevent future immune related problems to rise again. Our body's best defense in keeping us well is our immune system.

We are attacked everyday from by the accumulated effects of relentless attacks we incur from pollution, stress, poor diet, lack of sleep, viruses, bacteria, fungi, and other invaders.

A key to staying healthy and strong is for our immune system to be able to effectively produce the immune co-factors and antibodies that fight the effects of viruses, bacteria, fungi, and other undesirable invaders of our bodies.

The immune system needs balance. That's to say not being over or under active. So boosting the system is not normally what is needed. Over activity can lead to allergies and autoimmunity conditions.

Autoimmune disorders include arthritis, multiple sclerosis-(which my wife died from) insulin-dependent diabetes, fibromyalgia, inflammatory bowel diseases, etc. An under-active immune system leaves the body open to infection and disease.

Our current day environment contributes to the weakening of our body systems as well. Active and stressfull lifestyles, smoking, little exercise, pollution (look outdoors), poor nutrition along with the systemic affects of aging don't help us either.

So, to keep the immune system strong and healthy as possible you should seriously consider using an all natural immune system supplement.

Learn more about the immune system and nutrition

Your Insurance Policy and Earthquakes

If you are a homeowner in the United States, you may think that your homeowners insurance covers you in the event of any major catastrophe that may strike your home. Think again. In the United States earthquake damage to homes is not covered by standard homeowners insurance. Although other forms of insurance cover damage brought on by earthquakes such as car insurance, after examining your homeowner’s insurance policy a little closer, you will likely find that your home is not covered in the event of an earthquake.

The presentation of an article on health insurance plays an important role in getting the reader interested in reading it. This is the reason for this presentation, which has gotten you interested in reading it!

Accept the way things are in life. Only then will you be able to accept these points on health insurance. health insurance can be considered to be part and parcel of life.

In the United States there are certain areas and regions that are more prone to earthquakes. The west coast, for example, lies directly above a major fault line in the Earth causing frequent earthquakes, some of which have been tremendous. California is one state that has been home to a number of disastrous earthquakes throughout history. However, if you do not live on the west coast of the United States do not assume you are free of the danger of earthquakes. Earthquakes can occur anywhere at anytime and on average about 5,000 earthquakes occur in the United States each year. In the past century earthquakes had been registered in 39 of the 50 United States, well over half of the country.

Earthquakes measuring at least a 7 on the Richter scale, which measures the magnitude of an earthquake, occurred in both the eastern and central regions of the United States in the 19th century. Earthquakes can range from barely being able to be felt, to shaking the ground so violently that major buildings collapse to the ground. If you happen to be caught in one of the worse earthquakes your home will surely be damaged. The most recent earthquake to cause considerable damage to surrounding areas was in Northridge, California in 1994. The earthquake measured at a 6.7 magnitude on the Richter scale and caused almost twenty million dollars in damage in Northridge and the surrounding towns and cities. A major earthquake has the ability to cause billions of dollars in damage to homes, businesses and entire communities. The Northridge earthquake only measured a 6.7, but there have been a number of larger earthquakes around the world in subsequent years, including the earthquake centered in the Indian Ocean which caused the Asian tsunami. That earthquake measured a 9 on the Richter scale.

It was our decision to write so much on health insurance after finding out that there is still so much to learn on health insurance.

Producing such an interesting anecdote on health insurance took a lot of time and hard work. So it would be enhancing to us to learn that you have made good use of this hard work!

Do not assume that just because your homeowners insurance does not offer coverage for earthquakes that you will not find coverage. Earthquake insurance is available throughout the country for those who wish to protect their homes and possessions from the threat of earthquakes. Although a considerably low amount of Americans currently have earthquake insurance, if you live in an area that is at high risk of major earthquakes, you would be a fool not to invest in earthquake insurance. Officials realize how important earthquake insurance is for Americans in certain areas of the country like the west coast. They have made strides in recent years to make cuts on earthquake insurance rates in states like California where it is vital for citizens to consider insuring themselves against the damage of earthquakes.

It is only because that we are rather fluent on the subject of health insurance that we have ventured on writing something so influential on health insurance like this!

Earthquake insurance can be relatively easy to get. Other types of disaster insurance not covered in homeowner’s insurance policies, such as flood insurance, are only offered through the government. However, earthquake insurance can be easily obtained through private insurance companies. This makes obtaining earthquake insurance more convenient for the common citizen. Residents of California can also obtain earthquake insurance policies from the California Earthquake Authority. Earthquake insurance will cover any structural damage to your home and its contents due to the shaking and shifting of the earth caused by earthquakes. Other damage to your home will be covered through your homeowner’s insurance.

Unlike other natural disasters such as major hurricanes and tornadoes, earthquakes of any size cannot be predicted. There is no way for scientists to tell when an earthquake will strike, which is why it is so important for you to be properly prepared for a major destructive earthquake. If you live in an area with a high risk of earthquake damage, make sure your home and possessions are insured to make certain you are not left with major losses.

To view our recommended sources for health insurance, or to read more articles about health insurance, visit: http://www.insurance-quote-puppy.com/temporary-health-insurance.htm
Jimmy Chuang is the publisher of http://insurance-quote-puppy.com. He provides more insurance information and offers free home, life, health and auto insurance quotes on his website.

Your Nose Is For Breathing Your Mouth Is For Eating

There are several reasons why it is obvious that your nose is designed to be breathed through. Firstly, your nose is like an air conditioner for your lungs. Air that passes through your nose on the way to your lungs is filtered by the nose. Your nose will massively reduce the amount of dust, pollens, bacteria, virus, or anything else that is floating in the air.

These things would cause major problems if there were allowed to flow straight down into the lungs. The nose is designed to handle them. It is your first line of defense. If you breathe through your mouth you do not use these defenses.

Secondly, in this airconditioner, the air that is brought to your lungs via your nose has been in your body slightly longer, and so is brought closer to your body temperature. Your lungs do not like temperature extremes. Nose breathing reduces the problem.

Your airconditioner also works to increase the humidity of the air that reached your lungs. Your lungs like the air to be clean not too hot or cold, and very humid. Air that is taken in via the mouth is far drier on reaching the lungs than air via the nose.

Dry Lungs

It is probably this information about the lungs needing moistened air that led to earlier theories of asthma based on the lungs "drying out", and the development of "vaporizers" which are designed to put moisture in the air in your house or room to stop this "drying out". These machines do appear to have a small impact, but only if you breathe through your mouth. If you breathe through your nose, you have an automatic humidifier built in, and do not need them.

This "moisture factor" was also believed for a while to be why asthmatics who took up swimming often benefited, whereas running or jogging less frequently seemed to help. This has been debunked now by further research.

Of course, you and I now understand why swimming is more likely to reduce asthma it alters your breathing pattern. You have to stop breathing for a while when your face is underwater, plus because you are burning energy you are producing more CO2, so you can train your breathostat to accept a slightly higher level. Swimming does not appear to help some asthmatics probably because they overbreathe even more as they swim.

The other reason that your nose is for breathing is that because the nasal passages are far smaller than your mouth, you are forced to breathe less. You have to work a lot harder to overbreathe with your mouth closed. You can still do it it is just a little harder. In addition, nasal breathing allows the extra defense of the swelling of your nasal passages to reduce the airflow. The only reason you nose blocks up is because the shortage of CO2 causes the smooth vessels to swell, just the same as in "asthma".

If you keep your mouth closed, your nose will help reduce your airflow for you.
Note: Your nose will not block completely unless your mouth is open.
It may whistle and carry on, but remember the more it is blocked, the more CO2 is trapped in, which will tell it to open again.

If you are experiencing a blocked or partially blocked nose now, experiment with your breathing to make it get more blocked [release CO2 by breathing more deeply at the same speed].

Then, make it get less blocked by breathing less deeply, or just hold your breath for several seconds [pinch your nostrils closed] longer than is comfortable and breathing as little as possible through your nose after you breathe.

In brief, all you have to do is trap in more CO2 than you release, just as you will do to stop asthma.

If your nose being blocked is preventing you from closing your mouth and becoming a healthier nasal breather right now, then unblock it with the following procedure. Then keep your mouth closed! When you first convert from a "mouth-breather", you may find that it feels like you are not getting enough air. This is a good sign, and means will benefit almost immediately. Simply put up with it, it will pass as you progress into your shallow breathing exercises.

Be aware of yourself trying to "sneak" a mouth breath by chewing a pencil or a finger, or yawning more than a couple of times. If you do start to yawn madly and repeatedly, repress it a little and keep your mouth closed. An occasional yawn is to be enjoyed, stretch and make a good yawning "noise" it is good for stress relief.

To unblock your nose right now. You need some extra CO2, so after a small out breath, pinch your nostrils closed and hold your breath. [Your mouth is obviously closed at this time.] Hold until about 5 seconds after you have developed the feeling that you want to take a breath [not need a breath], release your nostrils and allow only a little breathing to occur through your nose. Keep the CO2 in! It will be at least a tiny bit clearer. If it is still very blocked, repeat the process several times with about 5 seconds between each hold. Really restrict your breathing. Be like a statue and don't move. [Keep your mouth closed!]
It may block up again as your breathing tries to increase to its previous level, but that is OK, just repeat the procedure. All you have to do is trap in a little more of the CO2 you are producing inside you.

A different way to do this is to keep breathing at the same level but increase your CO2 production. You can do this by standing, and without increasing your breathing, march on the spot. In a very short time you will feel your nose starting to clear, once it is clear, stop and restrict your breathing to keep the CO2 in.

If you become breathless while marching, stop and reduce your breathing, it will mean you have unconsciously increased your breathing, and have actually lost more CO2.

Goodbye To Nasal Sprays and Pills

You now have the ability to unblock your nose at any time without drugs or surgery. If you follow why it blocks up, you can reverse the process. The same procedure will also dry it up.

The Best Reason To Keep Your Mouth Closed

The final reason that you should breathe through your nose is most important reason to many. I find that the most compelling reason for teenagers and children is how you look when you wander around with your mouth hanging open.

Take a moment now to think about the movies. In a good young people's movie there will be a "good guy", a "main bad guy", and usually a herd of not-too-bright "assistant bad guys". The main goodie and baddie are smarter, and the actors who play them will keep their mouths shut. However, the actors who play the dumb ones will automatically begin to "mouth-breathe". We will automatically subconsciously associate a lower intellect with a mouth hanging open.

Try it yourself. Pretend you are really stupid. Is your mouth open or closed? Now be "cool" [or whatever the current word is Rad? Kewl? ], and close your mouth........or look dumb.

For more information on Asthma Signs and Symptoms (Butekyo Breathing Method) or for information on an Asthma Test.

The Basics of Losing Weight

A large majority of the people who are over weight are not so by choice – they gain weight due to a number of reasons. These reasons can be hereditary, lifestyle related or connected with the environment and surroundings of the person concerned. Whatever the reason for gain of weight, the person gaining weight invariably wishes to lose the extra pounds he/she has put on.

Weight loss is however a target that not everyone is able to achieve. Losing even a small amount of weight can be a major challenge. The reason for this is simple – most people approach weight loss as a one time solution instead of a continuous effort.

Weight loss is not as simple as it sounds; it is not simply doing away that extra weight on the body. It is actually a complete change in your lifestyle and eating habits. It needs you to understand that your body has undergone certain changes which caused it to gain weight.

There can be a number of methods for losing weight – you can consult a doctor who can prescribe an exercise regimen, a weight loss diet or weight loss diet pills. Or you might be advised a combination of any two or all of them. The most natural method for weight loss is of course exercising and diets; however they might not necessarily prove to be effective for everyone.

This shortcoming of natural weight loss methods has caused an increase in the usage of weight loss pills across the world. Weight loss pills are medications designed and formulated specially to help people who are chronically overweight to lose weight effectively and then also keep it down.

When used in combination with a proper diet and exercise regimen, weight loss pills turn out to be extremely effective methods of losing weight. They also help in keeping the weight down.

While majority of the weight loss pills are prescription only medications and require you to do a consultation with a registered doctor, there are also certain medications that are available over the counter. These medications are normally herbal formulations that purportedly contain all natural weight loss ingredients.

How to Watch Satellite TV Online Without Any Satellite Dish

Anyone can watch satellite TV online without any satellite dish system nowadays. In case you do not know, this article would show you one time-tested and another new revolutionary way to watch satellite TV on the internet without having to set up a satellite dish.

Many of the older generation grew up in an era of satellite dishes, especially for those who live in the rural areas where cable don’t exist. The dishes are transmitters and together with receivers are conduits for TV signals to be displayed as visual images and pictures on our TV screens. However, they are not always pleasant. Set up can be tough and definitely not for those who are not good with their hands or have poor technical skills. Satellite dishes have grown smaller in recent years but they used to be huge larger than 6 foot monsters in earlier days. If that irks you, you would be relieved to know that you can watch satellite TV online just like many others without satellite dish system.

What are the hardware and PC requirements you need to set up your ‘satellite-dish less’ PC satellite online TV?

1. A Good PCTV Card

A PCTV card can be installed onto your computer to make your computer work like a satellite television set. Such cards come in the form of internal or external hardware. If you are familiar with the inside of a computer, then an internal card could be a good choice since they tend to be cheaper and more affordable. However, do not bother yourself when you find it too troublesome to fix it internally because there are external cards that work more like plug-and-play gadgets. They cost more and can set you back easily by a few hundreds. As long as your PC has a spare USB port, this option to watch satellite TV online is open to you.

2. PC Requirements

I would suggest you check your systems configuration before you start shopping for a PCTV card. Most cards require a minimum Pentium 3 333MHz system to run well but remember to note down the specifications like RAM, hard disk space, Operating System, etc before you head to the stores.

3. Ready Internet Connection

PCTV cards work well with both dial-up and broadband connections. However, I have a word of advice here. Dial-up transmission runs like a snail and is a really serious party spoiler. You can end up more frustrated than glad that you are watching the program. Go for broadband connection if you can afford to.

Okay, now that we have discussed about the older commonly accepted method to watch satellite TV online, we will look at another new revolutionary technique. This requires the usage of PC satellite TV software which can be downloaded easily. The setup is simple and all it takes is downloading the software and clicking a few buttons before you are ready to watch satellite TV online from more than 3000 channels. Awesome isn’t it?

For more information on this PC satellite TV software, do a read up at my satellite TV blog.

This article may be freely reprinted or distributed in its entirety in any ezine, newsletter, blog or website. The author's name, bio and website links must remain intact and be included with every reproduction.

Davion is a successful webmaster, author and fan of TV shows. Discover how you can instantly watch satellite TV on PC, tuning into hundreds of LIVE world channels of news, movies, music and kids program at http://Watch-Satellite-TV-On-PC.blogspot.com.

How to Buy Silver Jewelry Wholesale

Silver jewelry is not only beautiful, it is very much in
style these days. Silver jewelry compliments
anything you wear, and it is usually less expensive
than gold jewelry. There are many sources from
which you can buy silver jewelry wholesale, but the
Internet will offer you the biggest selection possible.
After all – you will have the whole world at your feet
– or fingertips.

As with any other jewelry, begin your search online.
There are countless jewelry wholesalers online, and
many of them specialize in silver jewelry. When you
buy your jewelry from jewelry wholesale sources,
you will pay a fraction of the cost that you would
pay at a retailer’s place of business, such as a
jewelry store.

When you purchase silver jewelry wholesale, make
sure that you are purchasing sterling silver jewelry.
Sterling silver is almost always marked with the
numbers ‘925.’ This is the highest quality of silver
that you can buy – wholesale or retail. Note that
there is no such thing as ‘high quality sterling
silver’ and ‘lower quality sterling silver.’ Sterling
silver comes in one quality – sterling silver. The
weight of the sterling silver used in the piece should
be the determining factor in the cost, unless the
item was hand-made, in which case it will cost
considerably more than similar pieces that were
not hand made.

Silver jewelry tarnishes – whether it is sterling silver
or not. You must clean and polish your silver
jewelry on a regular basis to help it keep its shine.
There are many different brands of silver polish on
the market that can be used to accomplish this.
You should plan to clean your silver jewelry on a
weekly basis.

Buying silver jewelry wholesale is the best way to
go. Silver is already relatively inexpensive – even at
wholesale prices. When purchasing such jewelry,
the silver or quality of the silver is not what you
need to concern yourself with – again, silver is
silver, just make sure it is sterling silver. The
settings and stones that are used in the piece
should be your concern.

You need to insure that the piece is solidly
constructed, and you need to make sure that the
gems used are not simulated gems – unless that is
what you want. Of course, when real gems are used,
such as diamonds, the cost of the jewelry will rise
considerably. But as long as you are buying jewelry
wholesale, the price will still be the lowest price you
will find.

John Ugoshowa. You are welcome to use this article on your website or
in your ezines
as long as you have a link back to http://www.quickregister.net/partners/
For more information on jewelry wholesale see the Business section of Quickregister.net Free Search Engine Submission Service
at: http://www.quickregister.net/partners/

Why Gift Baskets are Universal Gifts

In recent years, the gift basket has steadily increased in popularity as people have discovered how easy it is to give gift baskets, and how much they are appreciated by their recipients. Gift baskets may come pre-made, but they are personal gifts given that come from the heart.

Gift baskets enjoy so much popularity partially because of the variety of gifts they offer to anyone who gets one. Even if there is something in the basket that the recipient doesnt need, there will surely be a few others that are perfect. And for that person on the list who is so hard to buy for, a gift basket offers enough variety that the pickiest person will find items to cherish.

Many times gifts have to be bought for a family or other group of people and for these occasions, gift baskets are ideal. Picking one single gift for each person is a tedious, costly, and time consuming affair but with a gift basket, each person can choose a gift for themselves. Its the best of both worlds - gift personalization as well as choice.

Any occasion can be served by the gift of a gift basket. Instead of spending hours coming up with the right item for a specific occasion, many gift givers have learned that with a gift basket, they no longer have to do the legwork. The selection available in gift baskets means that there are baskets for every type of person of any age with any hobby or interest. They come in arrangements that not only reflect the holiday or occasion, but the personality of the recipient as well.

There doesnt have to be an occasion to send a gift basket. Any ordinary day will do and when the basket arrives, the day is no longer ordinary. Gourmet treats, luxury candles, or a fine selection of teas all make any day an occasion for pampering. Gift baskets are also fun gifts for children, who will enjoy getting so many gifts all at once. A childrens gift basket can keep a child entertained for days, discovering all the delights of the many presents in the basket.

When a gift basket arrives, just looking at is a pleasure. The special, stylized containers, beautiful ribbons, and artful arrangements make them a gift of beauty as well as usefulness. A gift basket is an item of beauty sure to be appreciated by anyone lucky enough to receive one.

Ryan Richardo is a writer forNetGift.com. NetGift.com offers a large selection of gift ideas and home decor shopping items.

Erasing your Internet Tracks and History

The computer and internet has made research and looking for information an easy procedure as all one needs is knowledge of using the computer and internet. With this knowledge, it is possible to surf the internet to look for any and all information that is required by you for your work

The internet provides information on health, legal matters, geography, history, entertainment, porn and many other fields. When surfing the internet, you never actually know when secret files are created in the computer storing illegal and illicit photos and information. In fact, you can and will be blamed for wrong deeds with the existence of pictures of these types hidden in the computer. So it is better to get rid of all this information that you may gain through the internet with the help of internet eraser software.

With the internet eraser software installed in the computer, it is possible for you to delete the IE address bar history one at a time instead of deleting the complete address bar history. The reason this is a preferred action is that sometimes there are most frequently visited URLs in the computer browser. It is better keeping these URLs in the browser so that there is no need of you retyping them from scratch when typing the URL in the browser.

With the internet eraser software, it is also possible for you to delete the IE cookies found in the computer, one at a time. Cookies are basically files that secretly get downloaded in the computer to spy on all your website activities and personal information. These cookies can prove to be rather dangerous to you and your life as unwanted information may get disclosed to the wrong people. Of course, there are also good cookies in the computer where the internet eraser software permits them to stay in the computer. You just have to delete the unwanted cookies only.

There are several internet eraser software programs readily available in the internet. All you have to do is to download the right internet eraser software, which comes with all the necessary features. With the right internet eraser software installed in the computer, you are sure to feel much more relieved and safe while surfing the internet. So why hesitate; just set out to look for the best internet eraser software in the internet and keep your computer safe.

Do you have a Porn addiction ?. Learn how to clear address bar history and delete URL history from the site where you can find all sorts of handy pc tools