80220

Bad Credit Secured Loans Offer Money At Low Rates

2009-06-30T07:36:00.001-07:00

In the present day scenario, borrowers with bad credit are provided with ample opportunities to improve their financial status. To avail the maximum benefits, even if collateral is required to be pledged, it is completely worth it. This can be done through bad credit secured loans.

Bad credit is a situation in which there is a default in the credit history of the borrower. This may be due to any of the following:

* Defaults
* County Court Judgments
* Bad credit score of less than 580
* Arrears

Bad credit situation of borrower can arise due to various factors like bad credit in past, long time illness, loss of job, regularly shifting job or address, defaults in the payments, lavishly spending money, defaults while dealing with several loans for personal needs etc.

The borrower can make the bad credit loan secured by pledging collateral with the lender. The collateral can be any asset like car, house, stocks, and bonds etc which hold some equity value in the market. The bad credit secured loan is approved based on this equity

With http://www.badcreditloansinformation.com/, the borrower can fulfill any requirement that he has like debt consolidation, home improvement, a vacation, educational expense, wedding expenses, etc.

An amount of ?000-?5000 can be borrowed through bad credit secured loans. This amount is required to be repaid to the lender in a term of 5-25 years. The interest rate is low even for bad credit borrowers as there is attachment of collateral with the bad credit loan.

A search for bad credit secured loans can be conducted online. There are numerous lenders present in the online market who are ready to offer to money at low rate to borrowers ready to place collateral. So a thorough search can help a great deal in obtaining a loan.

Bad credit secured loans are the best way for a bad credit borrower if he wants a low interest rate and a good repayment term for the bad credit loan.

Carmen Cortez is a specialist advisor of every type of business loan and currently working as Bad Credit Secured Loans. For further details of bad credit secured loans, bad credit personal loans, bad credit loans uk, loans in uk, bad credit secured loans uk, bad credit unsecured loans uk you need to visit http://www.badcreditloansinformation.com/

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E-Commerce - Easy money or Hard Knocks

2009-03-25T15:46:00.001-07:00

When my wife and I got into the WWW. E-commerce world, we had visions of easy money and an auto pilot type of business. You know the kind that runs itself and the money just rolls in. Oh yeah, low start-up cost, little time, and low commitment. Just read the commercials and Internet ads.

The Internet can be your friend or it can bite you like a scared dog. Try researching, starting an Internet business. You will find every easy money method in the world. Here is a list of things to consider and these things are just the surface. This is not meant to scare you but to inform you of the reality, before you fall into the money pit. Just remember you have to give before you receive and sometimes we learn from the pain.

Websites necessities or basics:

Host/Server ?to store all your files and images. E-mail and other perks. $8 to $12 month

Purchase your domain ?www.mysite.com $8 to $???

Merchant/Credit Card service Credit Card processing. This is a low price. $25Month, $15 service charge, and 30 cents per transaction and 2.5% of sales. (OUCH!)

Paypal ?You can use Paypal for your payment option. Its free. I dont use it. Nothing is free.

Rent a ready-made store - Now you can go with a company who will host your site and provide a storefront for you. They will even give you products to sell. These are usually database type and provide no SEO. In other words, the only people who purchase from your site are your friends and family. No one can find your site in the Internet desert. You're on page 200 (if lucky). They run from $40 to $200 month.

Find a wholesaler? No problem, everyone is a wholesaler. What do you want to sell? Leather, Home Dcor, Knives and Swords, Collectibles or maybe Kitchen cookware?

Where are the real wholesalers? The ones they buy from. There are many scams and scam tools for sale out there. Now try ordering from them. Late? Back Ordered? Packing? Drop ship costs? Shipping & Handling Costs? Drop ship or Inventory? Taxes???

Build your site - There are many templates out there that look good but if you dont know how to program HTML forget it. You will probably buy a book or software that shows us dummies that we can create HTML websites without having to know HTML. On the outside it looks good, but on the inside they stink. How are you going to find the time and keep up with the latest in this "part time business"? Search Engine robots don't like bad programming among other things.

Gather Information - Now that you have a wholesaler, download all the prices and images. Create your spreadsheets to upload all the product information (change them to CSV or some delimited format. Or you may have to do this one at a time?Ahhh!

Fix the images - Adjust the resolution, size, etc. to fit your WebPages. Get the right software to do thisIt will save you days of work and cost. I hope you get this done before the prices change or the item is discontinued. Remember that if you have more than one wholesaler, you have more than one tax and drop ship charge. You also have different information and images. They could be in other formats.

My wife and I thought an Internet Shopping Mall would be so cool. We could have different stores, oh boyThats where the name MallAboutTown.com came from. Oh yeah. Now you have to have a logo and a theme and all the right colors and, and, and.

It's kinda like building a house.

SEO (Search Engine Optimization) - You should have been thinking about this from the start. Buy links, buy PPC (Pay Per Click) advertising, buy search engine submissions, buy content, submit articles and link to directories and other Websites, read, read, read and determine who is telling the truth.

After all the smoke clears, you will be in the hole a few bucks. When that first sale comes in you will feel like that golfer getting a hole in one. Then you're back at it, harder than ever. Its an addiction. I guess it could be described as the spouse that wont leave an abused relationship. Like any business, Internet business is not for the short-term commitment. There is so much I had to leave out because many things depend on what direction you take on this journey. Good Luck, remember if its too good to be true?.

Our advice is to personally talk to someone that is successfully operating E-commerce site, (not on E-bay) and get the facts. This is what made E-bay so popular. But even E-bay can be tough.

Good Luck,

Marc and Kemella Allyn

Marc and Kem own http://www.mallabouttown.com and bring their personal experience for your use. Thank You for supporting our ministry http://www.allaboutthecross.com

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Top 50 Christmas Gift Ideas UNDER $50 You can Order Online

2009-03-04T15:02:00.001-08:00

With the Christmas holiday quickly approaching the malls and stores around the nation will soon be filled to capacity. If youd like to avoid the hassle and have your Christmas presents delivered straight to your door without braking your pocket book, check out these unique gifts UNDER $50 that you can purchase online for your kids, mom, dad, husband, wife, brothers and sisters.

Gifts for WOMEN

1. CROCS TM
$29.99
The original CROCS TM Sandal (Unisex). Your favorite CROCS?in MANY colors. Propriety sandals are slip-resistant, bacteria-resistant and nonmarking. Available at http://www.crocs.com

2. Lavender-Filled Linens
$28.00
Put one in your pillowcase for sweet-scented dreams.
You can purchase lavender-filled linens by elizabethW at http://www.elizabethW.com

Click to view gift: http://www.elizabethw.com/shp/shopdisplayproducts.asp?id=28&cat=Lavender+Pillow

3. Cropped puffer vest
$44.62
Hot, high-quality down-filled polyester, Sleeveless, cropped length puffy vest. Has snap pockets, front zip and loop-and-button closure with detachable faux fur-trimmed hood. Available at http://www.gap.com

Click to view gift: http://www.gap.com/browse/product.do?cid=25034&pid=413141&scid=413141022

4. CASHMERE SOCKS
$18.95
Very cozy and affordable cashmere footies by Banana Republic. Get them in any color. Available at http://www.bananarepublic.com

Click to view gift: http://www.bananarepublic.com/browse/product.do?cid=24793&pid=433629&scid=433629012

5. Croissants from Williams-Sonoma
$39.95
Made by French pastry chef Jean-Yves Charon, these are shipped frozen so you can savor fresh-baked croissants just like those in a French patisserie. A box of 15 is available at http://www.williams-sonoma.com or call 877-812-6235.

Click to view gift: http://www.williams-sonoma.com/products/4276333/index.cfm?clg=27

6. Juicy Couture Charm Bracelet
$35.00
The signature core of the Juicy Couture jewelry line comes complete with a heart charm at the end. Available at http://www.nordstrom.com Item # 140417.

Click to view gift: http://shop.nordstrom.com/S/2850076?search=true&searchtype=keywordsearch

7. Intimates Nordstrom Flannel Pajamas
$48.00
Premium cotton flannel make for the coziest pj's. Available at http://www.nordstrom.com Item # 153071.

Click to view gift: http://shop.nordstrom.com/S/2862436?search=true&searchtype=keywordsearch

8. Tiffany & Co. Holiday Mug
$45.00
Mug from the Tiffany HOLIDAY Collection. Bone china, 10-ounce capacity. Available at http://www.tiffany.com

Click to view gift: http://www.tiffany.com/Shopping/item.aspx?sku=11764509&search_params=t+Mug+from+the+Tiffany+HOLIDAY+Collection-s+0-p+1-l+-h+-c+-r+-x

OR

Tiffany & Co. Annual pocket diary
$40.00
Blue patent leather. 3x5". Available at http://www.tiffany.com

Click to view gift: http://www.tiffany.com/Shopping/item.aspx?sku=21627119&search_params=t+Annual+pocket+diary.+Blue+patent+leather-s+0-p+1-l+-h+-c+-r+-x

9. Shuga Buds, Swarovski?Cystal Head phones
$48.00
Listen to your favorite tunes with these sparkling buds. Choose iridescent, gold, blue, green or pink. crystals. For use with iPods? MP3 players, portable CD players, and Sony?Walkman. Available at http://www.neimanmarcus.com Item #NMOF7_H11EW

Click to view gift: http://www.neimanmarcus.com/store/catalog/prod.jhtml?cmCat=search&itemId=prod24950136

10. Necklace Vault Jewelry Box
$49.99
Designed to hold a variety of necklaces, this stylish vault features four glassed sides for display. Open the door to fund hooks that hold necklaces securely and keeps them from tangling. A single drawer at the bottom holds other small items. A wonderful gift, it's boxed for giving! Available at http://www.bombaycompany.com Item#: 1866735
Click to view gift:
http://www.bombaycompany.com/gp/product/B0006ZSMTA/ref=sr_11_1/102-5692121-2557710?ie=UTF8&bmBrand=core

11. Triple Garnet Heart Necklace
$50.00
Win her heart. This necklace, featuring three deep-red, heart-shaped garnets, will make your intentions clear. Since the Middle Ages, the garnet has been associated with truth and love. Available at http://www.bombaycompany.com

Click to view gift:
http://www.redenvelope.com/re/gifts/product_display/product_information.jsp?nc=12534&BV_SessionID=@@@@1481718969.1163460895@@@@&BV_EngineID=cceiaddjfkeiemgcefecefedfgfdfmh.0&refPg=%2fproduct_display%2fgift_results.jsp&bct2=recipient&bcp2=1&bcm2=1%24%24-8070&bct4=for+her&bcp4=3&bcm4=1%24%24-8071&bct5=entire+collection&bcp5=4&bcm5=29$$%2Frecipient%2Ffor+her%2Fentire+collection@@30$$-12040@@35$$12040&catOid=-12040&oid=7416096&nc2=1

12. Boucl?deep v-neck sweater
$39.99
Texture takes a colorful new twist in this form-fitting, feminine sweater. Plunge front. Rib trim. Imported acrylic/nylon/wool/spandex. Available at http://www.victoriasecret.com Item #204-677
Click to view gift:
http://www2.victoriassecret.com/commerce/application/prodDisplay/?namespace=productDisplay&origin=onlineProductDisplay.jsp&event=display&prnbr=XF-204677&page=1&cgname=OSCLOALSZZZ&rfnbr=2406

13. Oval cocktail ring
$34.00
A ring with lots of bling to go around. Arrives in a velvet drawstring pouch and pink box. Imported metal and glass.
3/4" wide. Available at http://www.victoriasecret.com Item #206-313

Click to view gift:
http://www2.victoriassecret.com/commerce/application/prodDisplay/?namespace=productDisplay&origin=onlineProductDisplay.jsp&event=display&prnbr=XF-206313&page=1&cgname=OSGIFJWLZZZ&rfnbr=3286

14. Victoria's Secret The Sexiest Fragrances on Earth
$39.50
Seven of her favorite fragrances all wrapped up in the sexiest way. Includes .25 oz Eau de Parfum Sprays of new dream angels desire, America's #1 Fragrance, dream angels heavenly; Very Sexy?For Her and Very Sexy For Her 2; Victoria's Secret PINK, Rapture?and Body By Victoria? Imported and domestic. Available at http://www.victoriasecret.com Item #203-108

Click to view gift:
http://www2.victoriassecret.com/commerce/application/prodDisplay/?namespace=productDisplay&origin=onlineProductDisplay.jsp&event=display&prnbr=XF-203108&page=1&cgname=OSGIFBGSZZZ&rfnbr=3285

15. Victoria Secret Shimmer Brush, Garden Collection
$20 for one or 2 for $35
Give it to glow. Brush adds a touch of scented shimmer wherever you want to shine. Choose from three Garden scents, each with a different color of shimmer. Imported and domestic. Available at http://www.victoriasecret.com Item #203-256

Click to view gift:
http://www2.victoriassecret.com/commerce/application/prodDisplay/?namespace=productDisplay&origin=onlineProductDisplay.jsp&event=display&prnbr=XF-203256&page=1&cgname=OSGIFBGSZZZ&rfnbr=3285

16. Victoria Secret Three-piece pajama gift set
$39.50
Bedtime is three times as fun with cotton sleepwear in cheerful prints. Includes three-quarter sleeve cardigan with button front, cami with adjustable straps and ruching, and full-length bottom with drawstring elastic waist. Arrives in a matching gift bag. Imported cotton. Available at http://www.victoriasecret.com Sizes XS-XL. Item #202-702 $39.

Click to view gift:
http://www2.victoriassecret.com/commerce/application/prodDisplay/?namespace=productDisplay&origin=onlineProductDisplay.jsp&event=display&prnbr=XF-202702&page=1&cgname=OSGIFPGSZZZ&rfnbr=3281

Gifts for MEN

17. Bookmark Dictionary II
$49.99
Have the American heritage dictionary of the English language, fourth edition, and its revised and updated 130,000+ words and definitions right at your fingertipsliterallyas you read! This tiny bookmark dictionary is truly thin enough to use as a bookmark, and its slim, flexible keypad secures to any book with unique keypad clip. Imported.
?Keeps date and time.
?Large lcd screen for easy reading.
?Makes a great gift!
?Multifunction calculator also converts measurements of length, temperature, weight, etc.
?Uses on lithium battery(included) and features auto shutoff function.
Available at http://www.macys.com

Click to view gift:
http://www1.macys.com/catalog/product/index.ognc?ID=118103&PseudoCat=se-xx-xx-xx.esn_results

18. Callaway HX Tour 56 Golf Ball - Personalized
$44.99
One dozen top of the line, new design Callaway golf balls PERSONALIZED. Available at www.austads.com.

Click to view gift:
http://www.austads.com/austads/product.asp?s%5Fid=0&dept%5Fid=5107&pf%5Fid=PABBIAACLOLFHDDJ

19. Shoehorn Backscratcher
$25.00
There's always that one spot he can't reach, and, frankly, you're tired of scratching his back. You can feign arthritis, or you can help dad help himself with this bamboo shoehorn/backscratcher combo. Made in Italy. Available at http://www.macys.com

Click to view gift:
http://www1.macys.com/catalog/product/index.ognc?ID=194162&PseudoCat=se-xx-xx-xx.esn_results

20. Handle Mount Grill Light
$50.00
A BBQ light lets you grill at night or any time of the year!For BBQ gifts, heres a truly brilliant idea that puts the spotlight on your cooking! Made to fit conveniently on any grill handle, our BBQ light takes the guesswork out of your outdoor cuisine, allowing you to see whats ready and what needs more time over the heat.
Available at http://www.brookstone.com Brookstone sku # 439794

Click to view gift:
http://www.brookstone.com/store/product.asp?product_code=439794&search_type=search&search_words=439794&prodtemp=t2

21. Electric Ice Scraper
$14.99
Hate standing in the cold scraping ice from you car? Try this electric ice scraper which will get rid of that troublesome ice in a cinch. The convenient 14-foot cord plugs into your car's cigarette lighter and warms the rubber squeegee to quickly melt away ice from the windshield, so you can get out the cold and into your car. Imported. Available at http://www.macys.com

Click to view gift:
http://www1.macys.com/catalog/product/index.ognc?ID=137042&PseudoCat=se-xx-xx-xx.esn_results
22. Connoisseurs Compact Wine Opener
$40.00
Opening your favorite bottle of wine is now easier than ever before with the amazing Connoisseur wine bottle opener! Available at http://www.brookstone.com

Click to view gift:
http://www.brookstone.com/store/product.asp?product_code=530774&search_type=search&search_words=Compact%20Wine&prodtemp=t1&cm_re=Result*R1C1*A

23. Burberry Golf Cap
$50.00
Send him off to the links in style. Rain-resistant golf cap features signature logo and nova check trim. Choose trench, white, black, or red. Imported of fine Italian cotton and spandex gabardine stretch twill. One adjustable size fits most. Available at http://www.neimanmarcus.com Item #NMOF7_N8615

Click to view gift:
http://www.neimanmarcus.com/store/catalog/prod.jhtml?cmCat=search&srcText=NMOF7_N8615&numResults=0&pageNum=0&cmCat=search&itemId=prod35720073

24. Floating Desktop Globe
$40.00
The world just got a little bit more interesting. This high-tech desktop globe floats in its powerful magnetic stand. It's possible to pass one's hands above, below and around the small globe as it continues to levitate. Simply plug it in, guide the globe into the magnetic field, and it floats in spacejust like the Earth. Available at http://www.redenvelope.com

Click to view gift:
http://www.redenvelope.com/re/gifts/product_display/product_information.jsp?nc=94016&BV_SessionID=@@@@1481718969.1163460895@@@@&BV_EngineID=cceiaddjfkeiemgcefecefedfgfdfmh.0&refPg=%2fproduct_display%2fgift_results.jsp&bct2=recipient&bcp2=1&bcm2=1%24%24-8070&bct4=for+him&bcp4=3&bcm4=1%24%24-8072&bct5=entire+collection&bcp5=4&bcm5=29$$%2Frecipient%2Ffor+him%2Fentire+collection@@30$$-12043@@35$$12043&catOid=-12043&oid=19374384&nc2=1

25. NAP?My Pillow
$20.00
For cozy cuddling anytime. Made of our exclusive NapSoft?materialand available in a variety of comfy colorsthese luxurious pillows are the perfect size for anytime napping and cuddling. You can even change the color of your My Pillow by slipping on one of the vibrant NapSac covers. Available at http://www.brookstone.com.

Click to view gift:
http://www.brookstone.com/store/product.asp?pid=MY_PILLOW&wid=100&cid=59&sid=622&search_type=subcategory&prodtemp=t1

26. HoMedics MP3 Cush Music Playing Massage Seat - Black
$49.99
Sit back and relax with soothing heat, massage and music in this massage seat that features 5 massage motors for multiple modes of relaxation. Available at http://www.bestbuy.com. Model: BKMP-3-100

Click to view gift:
http://www.bestbuy.com/site/olspage.jsp?skuId=7992899&type=product&id=1155070007013

Gifts for Men or Women

27. XtremeMac SportWrap for iPod Black or
$29.95
Perfect for any kind of activity, the SportWrap is an ultra-compact, moisture-resistant case you can wear comfortably on your arm. Available at http://www.ipod.com.

Click to view gift:
http://store.apple.com/1-800-MY-APPLE/WebObjects/AppleStore.woa/6134003/wo/PW30nFwkWvyv2jnrY3xKbRtoAr1/2.0.23.1.0.8.25.7.11.0.3

28. Mini MP3 Speaker Dock for iPod?Nano
$50.00
Enjoy portable, rich sound, no headphones required?just insert your iPod?nano. Perfect for travel or listening anywhere. Includes storage case for protection. Available at http://www.brookstone.com Brookstone sku # 533000

Click to view gift:
http://www.brookstone.com/store/product.asp?product_code=533000&search_type=search&search_words=533000&prodtemp=t1

29. 5 pc. TV Tray Set, Natural
$29.99
Four trays plus storage stand. Available at http://www.sears.com Sears item #00872202000 Mfr. model #PJ-TB001/NA

Click to view gift:
http://www.sears.com/sr/javasr/product.do?cat=Shop+by+Price&pid=00872202000&vertical=GIFT&subcat=Gifts+Under+%24+50&BV_UseBVCookie=Yes

30. Illuminated Photo Frame
$50.00
Give your printed 5x7 photos a special glow with our backlit frame. Slide in a 5x7 photo print and watch it come to life. The backlit flatscreen frame illuminates the image with a wonderful glow. Also makes a great night-light. Displays photo in portrait or landscape modes. Includes variable brightness control. For best results, use watermark-free photo prints. Available at http://www.brookstone.com Brookstone sku # 549774

Click to view gift:
http://www.brookstone.com/store/product.asp?product_code=549774&search_type=search&search_words=549774&prodtemp=t1

31. Desktop Beverage Warmer
$25.00
Keep coffee, tea and more, hotin your own mug. Now you can enjoy your favorite hot beveragesand keep them hotuntil the last drop with our electric beverage warmer. Available at http://www.brookstone.com Brookstone sku # 535435

Click to view gift:
http://www.brookstone.com/store/product.asp?product_code=535435&search_type=search&search_words=535435&prodtemp=t1

32. Christmas Tree Frame
$29.99
Look who's peeking out from this very special Christmas tree - it's all the faces you love! There's room for 12 favorite ornament photos on the shiny silver branches, plus we've included a shiny star ready to engrave with a family name and date. Available at http://www.thingsremembered.com Item# 579667

Click to view gift:
http://www.thingsremembered.com/webapp/wcs/stores/servlet/product_10001_10001_579667_-1_1

33. Jewel Cordials with Tray - Set of Six
$10.00
Whether used for serving pre-dinner aperitifs or after dinner liquours, these Jewel Cordials and Tray are a lovely serving option! This set of six multi-colored glasses arrive complete with a gold finished wooden tray. Each cordial is shaped differently - a unique touch! Boxed. Available at http://www.bombaycompany.com Item#: 5890697

Click to view gift:
http://www.bombaycompany.com/gp/product/B000AXZC8C/sr=1-1/qid=1163460629/ref=sr_1_1/102-5692121-2557710?ie=UTF8&bmBrand=core&m=A2Z4DUPX2Z8M59

34. Holiday Happiness Gift Basket, Hickory Farms
$15.99 ?49.99 Assorted Gift Baskets
Available at http://www.hickoryfarms.com

Click to view gift:
http://www.hickoryfarms.com/shop/productform.asp?subcategory_code=2&search_type=subcategory&page=1&category_code=1

35. Lumiscope Holmes Foot Buddy Personal Heater
$29.99
Ideal for use in the home or office! The Holmes Foot Buddy Personal Heater features a spacious resting surface and a removable fleece pocket for your feet. It has a simple toe-touch power button and can be adjusted to two different heat settings and three different angles. A built-in handle makes it easy to transport the warmer from reading chair to desk or den, and the fleece pocket removes for washing. Use with or without fleece toe pockets. Available at http://www.sears.com Sears item #08038127000 Mfr. model #38127

Click to view gift:
http://www.sears.com/sr/javasr/product.do?cat=Shop+by+Price&pid=08038127000&vertical=GIFT&subcat=Gifts+Under+%24+50&BV_UseBVCookie=Yes

Gifts for Kids

36. Giga Ball
$49.88
Jumbo inflatable ball is big enough to crawl inside, roll across the yard and even bounce! One look at the Giga Ball and kids can't wait to bounce it, roll it, and crawl inside to tumble, bounce and spin, spin, spin! Available at http://www.spilsbury.com Item #18961

Click to view gift:
http://www.spilsbury.com/webapp/wcs/stores/servlet/ProductDisplay?catalogId=30001&storeId=10001&productId=8961&langId=-1&parent_category_rn=11111&categoryId=11111&ref=spilsbury&itemNo=1&totalNo=1

37. Kick Disc Power Puck
$39.99
Kick Dis is a 7" diameter puck with a motor, rechargeable battery and tough rubber bumper. It hovers, glides and even streaks across rooms, never touching the ground! Play air hockey, hover soccer and more for hours of fun. Available at http://scientificsonline.com Item #3033540

Click to view gift:
http://scientificsonline.com/product.asp?pn=3033540&cmss=3033540

38. Jump-O-Lene Trampoline
$39.88
Indoors or out, kids will bounce for hours on this inflatable trampoline. Made from heavy-duty vinyl with 13/4' high attached safety wall with rain-drain holes. Available at www.spilsbury.com Item #14663

Click to view gift:
http://www.spilsbury.com/webapp/wcs/stores/servlet/ProductDisplay?catalogId=30001&storeId=10001&productId=4663&langId=-1&parent_category_rn=11111&categoryId=11111&ref=spilsbury&itemNo=1&totalNo=1

39. Moon Shoes
$40.00
Who hasn't wanted to escape the bounds of gravity, even for a second? Like mini-trampolines for the feet, these funky shoes provide out-of-this-world fun. Strap them on and prepare to lift off, lightweight and strong, they let kids jump, bounce, hop and leap with abandon Available at www.redenvelope.com

Click to view gift:
http://www.redenvelope.com/re/gifts/product_display/product_information.jsp?nc=71653&BV_SessionID=@@@@1481718969.1163460895@@@@&BV_EngineID=cceiaddjfkeiemgcefecefedfgfdfmh.0&refPg=%2fproduct_display%2fgift_results.jsp&bct2=recipient&bcp2=1&bcm2=1%24%24-8070&bct4=for+kids+%2B+teens&bcp4=3&bcm4=1%24%24-8074&bct5=6-12+years&bcp5=4&bcm5=29$$%2Frecipient%2Ffor+kids+%2B+teens%2F6-12+years@@30$$-9962@@35$$9962&catOid=-9962&oid=2607424&nc2=1

40. Walkie Talkie Wrist Watches
$30.00
Move over, 007. These undercover devices allow young sleuths to hold their own covert conversations. Disguised as digital wristwatches that display the time and date, these walkie-talkies have built-in microphones and fitted earpieces for hands-free communication. Available at www.redenvelope.com

Click to view gift:
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41. Voice Protected Diary
$30.00
Hell hath no fury like a girl whose diary has been compromised by her little brother. Boasting a high-tech voice recognition system, this version allows her to divulge to her heart's content without fear of being discovered. (Even if someone guesses her password, only her voice can unlock the diary.) Other features include high and low security settings, a mini light for writing at night and, best of all, an intruder alert. The tri-fold design has spring-loaded doors that open with ceremony to inspire her next entry. Available at www.redenvelope.com

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Gifts for Girls

42. Ballerina Musical Jewelry Box
$26.99
Our smallest jewelry box is a replica of the one we had as a little girl. White box opens to a soft pink colored interior. Lift the hinged lid and witness a miniature ballerina twirling. Available at www.mybambino.com ITEM # JEWEA

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43. Children's Sterling Silver Heart ID Bracelet
$45.00
Surprise a special little girl with this lovely sterling silver ID bracelet! It features a link design and is accented with a dangling heart. Engrave her name and watch her eyes light up. Available at www.thingsremembered.com Item# 500953

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or

Girl's Sterling Silver Heart Locket
$45.00
Your little girl will adore this beautiful sterling silver heart locket. Place a cherished photo inside and engrave a name or date to create a lasting memory. Available at www.thingsremembered.com Item #517881

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Gifts for BOYS

44. Gearbotics Sonic T-Rex Robot Kit
$28.95
Gears Trex Kit! Start beginning builders off on the right foot with a Gears! Gears! Gears! Building project that's guaranteed to be ferocious fun! Twenty-eight piece gear building set has exactly the right pieces to bring a wonderful T-Rex to walking, roaring life. Includes motor with T-Rex sounds, gears, connectors and dinosaur pieces.
Dinosaur measures 17". Ages 5 and up. Available at www.discoverthis.com Item # LR-9195.

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45. LITTLE RED SCOOTER - Radio Flyer
$42.99
Classic scooter styling, wood platform with grip tread, and sturdy steel construction. High performance molded wheels and double rear wheels for maximum stability. Adjustable handlebar height and ringing bell. Ages 3-7. Available at http://candy-crate.stores.yahoo.net/liredsctou.html

46. Konus Junior Telescope - KJ4
$49.95
Perfect for young astronomers, the Konus Junior Telescope offers astronomical viewing, zoom spotting for terrestrial use and easy maneuverability! Perfect for the young and curious. Available at http://scientificsonline.com Item #3026801

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47. Robosapien
$49.99
Robosapien marks a tremendous advance in remote activated robotic function. Standing over a foot tall, this completely interactive robot has the ability to walk, dance and groove, as well as pick up and throw items. This robotic wonder also delivers several combinations of strike and chops. The fluid biomechanical motions are amazing. Kids can control all the robotic movements with the easy-to-use remote. Program up to 84 different action sequences, and utilize four program modes for advanced operations. Available at www.sears.com Sears item #05219791000 Mfr. model #126414

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Gifts for Baby

48. My First Tooth/Curl Box
$12.00
Treasure baby's first milestone by holding on to tiny miracles! This set of two silverpate boxes were designed to hold baby's curl from his or her first haircut, and first tooth. These treasures will be kept safe and secure until they are passed on. Set of two circular boxes are engraved with First Tooth and First Curl and are packaged for giving. Available at www.bombaycompany.com Item#: 1866515

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49. Red Baby Long Johns
$28.00
Wild West cowboys loved long johns for riding the range; little cowpokes will love them for riding through the house. Ours have the traditional back flap, as well as snaps down the front and on the inside legs. Available at www.redenvelope.com

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50. Someday Inc. Personalized Piggy Bank
$42.00
A classic gift, hand-painted and personalized for a special penny-saver. A bow crowns this little pig. Comes gift wrapped in a cellophane bag with a bow and a hand-painted Someday Inc. gift card. Available at www.nordstrom.com Item #166359

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Chiang Mai, Thailands Temple of the Dogs

2009-02-18T15:04:00.001-08:00

Into the Arms of Buddha

It was 5 p.m. and I was stalking an angel on temple grounds. As the rain started, I wondered if she would show herself at all. Chiang Mais rain patterns are directly correlated with the contents of my purse. The resulting meteorological phenomena means the rain could stop in a matter of seconds or pour down for days, depending on whether or not Id brought my umbrella. I had not.

Squinting into the droplets, I glared up at the massive Chedi, a Lanna-style stupa which draws in visitors from across Northern Thailand. Sure its impressive, but what I want to know is: How can you have such a large building sitting there for 700 years and not install any doors? Surely it has rained here before.

Where to hide? No way would I take shelter in the two beautiful little buildings in front of me. Stunningly designed, absolutely! But each houses a wax replica of an elderly monk sitting in a clear box. File them under way too real looking?to pass time with. What can I say? Lack of blinking disturbs me. Beside, if wax can achieve the lotus position, why cant I?

To escape the deluge, my shelter took the form of a gazebo housing three large Buddhas. I would not be alone. One by one, temple residents trickled in. The first went straight to a mat he obviously kept laid out for these moments. Two more just sat down and licked themselves. By the time the skies opened up completely, three more temple dogs had meandered into the shelter.

Carrying dog cookies is just something I do. I could explain myself, but people either get it or never will. I tossed five treats out and turned to the sixth dog, Lek (Thai for little). She had vanished. Not possible. Would she go back out in the rain? Is there a dog door in the side of the Chedi?

I surrendered Leks cookie to an antique looking Weimaraner. Predictably, thats when I spotted her. Out of the corner of my eye I noticed her sitting in the right hand of a Buddha. She yawned, nestled perfectly into Buddhas arms and fell fast asleep. After six years of visiting Wat Chedi Luang, the temple still brings a grin to my face. Must be why I keep coming back.

Angels of Chedi Luang

Actually, as the donation box says, It all started about ten years ago.?Ajarn Rosocon, a teacher at Chiang Mais Rajabaht University, decided to make the dogs of Wat Chedi Luang and the adjoining Wat Phan Tau her mission. Ajarn is Thai for teacher. Her best lessons were taught at this temple complex. Out of a potential hell these unique Buddhist sites have been transformed into a sort of canine Nirvana.

Initially, students and friends helped Ajarn Rosocon care for the dogs. They fed, sterilized, treated mange, vaccinated?whatever they could manage from the pennies (baht) they scraped together. The group was determined that the dogs of Chedi Luang and Phan Tau not suffer the life faced by so many abandoned and sick temple dogs across SE Asia.

In 2005 Ajarn Rosocon unexpectedly died. A friend, Ann Pierce, and another devoted friend/student Khun Soonthree stepped in. Adopting Rosocons dream as their own, they went forward, honoring a friends memory by helping the helpless. Ultimately, Khun Soonthree became in many eyes the Angel of Chedi Luang.?br>
Touring the Temples

Wat Chedi Luang has become a refuge not just for dogs, but for all animal lovers. If travelers become overwhelmed by the sight and plight of street dogs or simply need a quiet escape they visit this feel good?temple. Try it yourself. Play tourist, take photos, pat a willing pup, or bring a picnic ?its all good. Then at 6 p.m. watch for the angel. Over a year after Ajarn Rosocon death, Khun Soonthree still feeds and cares for the temple dogs.

Word has it she never misses a day. She was there in the rainy season when her own home flooded several times. She was there in the storm when Lek and I sought shelter. Her bright yellow rain slicker and massive pot of rice mix carried her through the tempest. If it is 6 oclock in Chiang Mai, shes there right now.

Most people visit Wat Chedi Luangs temple complex for the impressive ancient Chedi. In addition, its beautiful grounds are perfect for strolling, quietly removed from the citys frenzy. Vendors offer food and cool drink. Trees and benches offer hospitable shade. The adjoining Wat Phan Tau casts a luminous teak glow over the Buddha images it houses.

Better still, the aptly named Monk Chat?area offer travelers a welcoming invitation to pull up a chair and, quite obviously, chat with monks. A casual atmosphere where international visitors just hang out with Buddhist monks is a fabulous forum for asking questions and learning about one anothers lives. In the background the voices of novice monks echo outward from classroom windows.

Whos Who?

Of course, for a few of us the temples house one more special treasure ?the dogs. Not all are social. Not all are loyal. Some are downright ornery. But to know the whos who?of Chedi Luang canines adds to the fun of any visit. True most tourists barely notice them ?except to do a quick sidestep away. Like many regulars, however, Ive given most nicknames.

Take Ren and Stumpy for example. Ren, a diminutive twig of a dog, is the duos personality. Stumpy, who has a front leg contorted up underneath, provides a bit of size (a valuable asset in the world of temple dog politics) to the team. Side by side the pair can be found on a building patio overlooking the Chedi's north face.

Ren works her magic, charming the visitors with enthusiastic greetings. Then Stumpy shows his handicap, Abracadabra! Any traveler with half a heart makes a beeline for the ubiquitous ? baht meat-on-a-stick?vendor. No need to heat it sir.?br>
Next, is Lady. She works with a local artist by delicately charming customers to his postcard rack. From there they get a close-up look at his lovely hand sketched works. I suspect Lady pulls in a commission.

Friendly Little Lek hovers at ordinary in the looks department. But every dog is beautiful when they sleep in Buddhas arms.

Not all is perfect. When I first saw Hiccup, I thought he had just been poisoned. Now I know the perpetual hack must be a medical problem. A bone lodged somewhere or?I can not say. While not overly social, Hiccup is stunningly photogenic.

At the front entrance of Chedi Luang are the three Golden Boys. At least I think they are boys. They rarely stand. This is the first place Khun Soonthree feeds each evening. Looking at the girth of the Golden Boys, its a tad surprising there is any food left for any other temple dogs.

Across from them lives Lucy ?the Teddy Bear dog. Had you seen her before her haircut, you would have expected to find seams and a price tag.

No one knows exactly how many dogs live at Chedi Luang, 60+ perhaps. Other notable characters include Cookie Monster, whose cantankerous attitude and dull looks are well compensated for by the fact that he is the only one who actually likes the dull old dry dog cookies I bring. Apparently others prefer Khun Soonthrees cooking to mine.

Living on the north face of the Chedi is Scar and her three puppies. Some dogs turn up at the temple pregnant. Still, her puppies Goldie, Blackie, and Coco Puff are well cared for.

The latest I have notice is named, Oh Crap, Where Are My Ears??Oh Crap? or Ears for short, must be an abandoned pet. He is way too forlorn looking. Its as though he desperately wants a master. However, hes willing to settle for jerky treats - or bigger ears.

Chubby, a pseudo red Chow, and Pigeon Chaser top off the list of charmers over at Wat Phan Tau. Pigeon Chaser will pass any domestic chicken, but heaven help the wild birds if he ever sprouts wings. The young monks at Phan Tau are especially loving toward their smaller population of temple dogs. It is truly a joy to watch them interact. Saffron robes and happy tails flourish side by side.

The influence Chedi Luang has on animal lovers is best summed up by Ann Pierce. A former volunteer with the dogs, Ann has returned to California, but wrote this in an email interview:

I cannot begin to articulate the impact the dogs, Ajarn Rosocon, Khun Soonthree, Wat Chedi Luang and all the other people I met through my time in Chiang Mai has had on me. Im a very different person because of my experiences. My dream is to one day move back to Chiang Mai and continue helping the animals, no matter how frustrating it is at times.?

Getting There

You can take a Tuk Tuk to visit Wat Chedi Luang. Most drivers know of this popular temple. On foot enter the old city from the famous Tha Phae Gate (east moat gate) and continue straight up Ratchadamnoen Road about four blocks to the first street light ?Phra Pokklao Rd. Turn left. Youll immediately see the spectacular Teak Wood Temple of Wat Phan Tau on your right. Take a look inside. Wat Chedi Luangs larger complex is located next door.

Please remember Wats are Buddhist Temples first and foremost. Dress conservatively and behave respectfully. They dont have to let the visitors or the dogs stay. Honor yourself by the example you set.

How Can You Help?

Visit Chedi Luang, have a great time, then spread the word.

Feeding starts at the main entrance between 5:30 and 6:00 each night. Stop by and show Khun Soonthree your appreciation of her work.

Please make a donation in one of the temples three Dog Donation Boxes, set up around the Chedi. Your money goes to food, vaccinations, mange treatment, sterilization of females (and males when it can be afforded), and general care.

The main Wat is currently undergoing a massive restoration. Making a donation to support the construction work, the temple and the temples school is good for all the residents ?two and four legged (or 3.5 ?sorry Stumpy).

Getting the Most from Your Visit!

Never approach any dog that seems reluctant. Get acquainted slowly with the friendly animals. Their continued socialization, or at least apathy to people, keeps them from wearing out their welcome at the temple.

Do not bring too many good tasting cookies: bacon, pork rings, a side of beef?The bigger dogs will follow and fights can ensue with defenseless smaller ones. Dry old dog cookies rate low on the taste scale. In other words, they are a perfect cheap way to give snacks to those that will eat them eventually. If in doubt, donate the money instead. It goes to the right place.

Helping Dogs in Chiang Mai

If you live in Thailand, consider helping change the world one temple at a time. Get advice form angels and/or adopt your own temple ?with permission of the monks. Make it a family, business, class or club project. Work with a reputable vet. Dr. Nook in Chiang Mai is aces!

Other organizations that help pets in the Chiangmai area temples include Lanna Dog Rescue and Care for Dogs. Both have web sites and are always looking for volunteers or donations of funds, foods and materials.

In addition, Care for Dogs also has a wonderful shelter offering adoptions of healthy rescued dogs and puppies to good homes. Remember, for each new pet that finds a family, space is made for a suffering dog to be brought into their facility. What a beautiful way to help one - dog at a time.

Nola L. Kelsey is the author of Bitch Unleashed: The Harsh Realities of Goin?Country and coauthor of the scathing political satire Keeping the Masses Down. She is currently wandering SE Asia for two years while she pretends to write her next book, Nine Lives in Siam. To read more of Kelseys work, visit her rarely up-to-date website at: http://www.nolakelsey.com. A complete photo essay devoted to the dogs of Chedi Luang is posted!

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Personal Safety And You

2008-11-22T19:56:00.001-08:00

Personal safety is of the utmost importance these days. But all the police and firemen and EMS workers in the world cant be there to protect you 24/7. So taking charge of your own personal safety is the first step to keeping yourself out of danger. The Home Security store offers a number of devices that help increase your personal safety, but simple common sense behavior is the best place to start.

Personal Safety on the Street

Sling your purse across your body and hold it to your chest so it cannot be snatched.
If you cant do that, be prepared to let go of your purse immediately if someone grabs it, lest you be pulled to the ground and hurt.
If someone tries to attack you, shout in a very loud voice No!?and then give an order to people nearby so they do not misinterpret your situation. Make it clear you are in danger by shouting Call 911!?br>Follow your intuition. If someone is making you nervous, do whatever you can to avoid them.

If someone is following you, go to the nearest store or other populated place.
If someone is following you, do not go home, or youll let the criminal know where you live.
Dont label your keys with your name or address.
Do not talk loudly about social or vacation plans because someone could overhear you and know when youll be away from home.

Always be alert and aware of your surroundings.
Carry a personal safety alarm.
Carry mace or pepper spray to defend yourself against attackers.

Personal Safety at Home

Keep lights on all doorways.
Use a home safety alarm system to secure your home against intruders.
Install motion sensor lights outside your home.
Keep all doors and windows locked even when you are at home.

Approach your home with your keys out and ready so you get inside quickly.
Keys can be used for your defense as well.
Make sure no one follows you into the garage.
Close the garage door immediately after pulling inside.

Keep the door from your garage to your home locked at all times. It is just like any other entryway.
Never answer the door to an unexpected visitor. Call to them through the doorway to ask for identification.
Get identification from all cable men or plumbers who may come to your door. If they have none, call the company to confirm their identity.

Never let a stranger in to make a phone call. Offer to make the call for them.
Never hide a key under a doormat. Criminals know all the hiding places.

Personal Safety in the Car

Always be aware of everyone around you in the parking lot.
Approach your door with your keys out and ready.
Check the backseat and under the car before getting inside.
Do not park next to a van, if possible. You can be easily dragged into the side of a van and kidnapped.

Start your car as soon as you get inside.
Keep your windows rolled up and doors locked.
If you are stopped at a stoplight or sign and feel there is a real threat from someone approaching your car, run the light. It is better to get a ticket than to be the victim of a crime.
Park in well-lit areas.

If someone tries to get you to pull over, for any reason, do not do so until you are at a populated, well-lit gas station or police station.
Do not pick up hitchhikers.

Personal Safety and Dogs

Your first instinct will be to run away. Dont. The dogs chase instinct will kick in, and you know how dogs love to chase things.
Remain calm and still.
Let the dog sniff you.
Do not look directly in the dogs eyes as that is a form of doggie aggression.

In a calm but firm voice say No! Go away!?br>If the dog lunges at you, block yourself with your purse, briefcase, or coat in order to distract the dog to give you a chance to break free and escape.
Back away slowly.

Personal safety is about being alert and having a plan. If you know what to do and what not to do, you will be able to handle emergencies that threaten your personal safety. If nothing else, just follow your instincts when it comes to personal safety. If your gut is telling you something is wrong, you personal safety could be in danger. Listen to your gut. Be smart and be safe.

Ralph Winn has over 32 years of experience in the security industry. Throughout his career, he has developed cost effective security programs for numerous small, medium, large commercial and government properties and for many nationally known corporations. http://www.homesecuritystore.com.

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Teacup/Imperial Shih Tzu

2008-11-15T20:14:00.001-08:00

I did not create the "labels" Imperial or "Teacup." These words were already set in stone before I ever came on board. I picked up the terms only because potential customers were asking me for "Imperial Size" or "Teacup Size." I RARELY get a request for a "Standard" size shih tzu as defined by the American Kennel Club. Since these words of Imperial Shih Tzu and Teacup Shih Tzu were so common to describe a particular size of shih tzu and I was seeing these are the terms people place in search engines boxes looking for the size THEY WANT in a shih tzu, I began using the terms as well mainly to be able to communicate with potential customers in their own language.

The smaller size shih tzu are NOT smaller just because they are UNHEALTHY. This is a downright myth or lie being spread by those who are in favor of only one size shih tzu, which they say, is the only size shih tzu that should be on the market. And the ill-will I have heard from this group of people against these little guys is almost unreal, as if these smaller size shih tzus should not have the same rights as the "standard" size, maybe not even the "right to live" if this side of the poll had its ultimate way about things. And......as if people who have these little guys for sale command a higher price, that this is proof the breeder is doing something outrageously WRONG. Well........like I said.......RARELY does anyone ask me for a "standard" size shih tzu. There is a huge market of individuals and families who prefer these smaller sizes including me. I like all the sizes, but the smaller ones are my favorite. They are like little tiny treasures, almost always sweeter than the bigger guys. To me, they are like a rare exquisite jewel in the midst of all kinds of other jewels. They do require more work on the part of the breeder. Often, to keep them going at first because they are so small they have to be hand-fed and fed extra supplements like Nutri-cal daily. For these reasons of being that tiny treasured, exquisite jewel, rare and unique from all the rest, and because of the all extra labor involved in raising them, they command a higher price.

And.......I still say, from all I have read.......the smaller size shih tzu.......most likely the under 6 pounds, the 7 and 8 pounders were the very first shih tzu to ever be brought into this world by the Chinese Emporess Dowager in the Imperial Palace of China. The bigger sizes were rejected by these early day breedings conducted in the Palace. They were often sold to the peasants in the streets. The smaller ones were kept under careful guard, were the ones actually very much pampered that slept on satin pillows in the palace, that were owned by the elite and wealthy of that period of time, were given as gifts to the diplomats that visited the Imperial Palace as the most ultimate gift of all to ever receive from the Princess. They were the shih tzu that was highly reverened and cherished. These little under the table dogs were sometimes so small the Chinese could carry them in their sleeves. Try getting a 9 to 16 lb. dog in your sleeve? Won't work no matter how big that sleeve is. We owe all our bloodlines to these early breeders. The Princess was mean and ruthless and was known to have little regard for anyone else but her shih tzu. She was burned out several times and eventually I suppose when all the chips were down, she felt beaten, and was found to have committed suicide with all her little shih tzu around her. So the legends of the shih tzu are steeped in mysterious myths and stories that it is no wonder there is still so much controversy about them and......it is about these little guys the most it seems. They seem to be the most mysterious of all - another reason why they command a higher price tag. They are EXQUISITE LITTLE CREATURES.

They actually do belong recognized in a class all their own. I hope to see The American Kennel Club someday do just that. New breeds are being created everyday. I don't know why this group of people against the little guys try to make such a fuss over them not being appropriate to be anything but a PET and they imply any breeder having them are doing something outrageously wrong to the breed. I wonder do people carry on the same about Teacup Poodles? These little under 6 pounders would be so cute in the showring and in fact, I have a picture of one who was 6 pounds who won a championship (one of my shih tzu books). They belong in a class all their own. Name them Imperials. Name them Teacups. Do away with the Teacup name. Don't matter to me on that.

At first very few people got hold of these little guys. Why? Because they were one of a kind - like a very precious jewel in the midst of all kinds of other jewels.

I also think that because so many other people were able to get hold of the bigger sizes in those days is where these bigger sizes now came from. They went out all over to other countries - but not the tiny treasures of the Imperial Palace. They were the secret of that period of time. They are still fairly rare, fairly scarce. Anything that can be produced in vast numbers is always "cheaper." I remember when VCR's and Microwaves first came out, they were so expensive I thought I could never own one. But then......they started being manufactured by the millions, which brought the prices down, and many other people could afford them.

Right now, these little guys are still fairly scarce, which makes their value go up also. And they are many times just as healthy as the bigger guys.

I wonder don't these people who are against the little guys know that even humans come in all sizes and shapes......what if suddenly there was some kind of a stamp put on humans and if every person was not the weight of 170 pounds and 6 foot tall, they were deemed INAPPROPRIATE to be alive.......There are big people and little people and I am so grateful because I am one of the little people standing about 5 feet 2 inches tall. My weight has gone up through the years, so I might qualify as a person based on weight.......

I cherish the smaller sizes. All of mine have been extra joy to have around!!!! I don't in-breed them or have some kind of special formula to create them. Size is created by genes of the bloodlines. And yes, you could call the smallest in the crew a runt just the same. Personally though, I like the word "teacup" better. I think it more closely describes them and is a cuter term. If I were breeding Police Dogs, or Alaskan Working Dogs, I would call the smallest one in the crew, the runt. But I choose to call the smallest shih tzu - teacups and imperials. In my mind, that simply means a certain size. Rather than saying, I want a dog 6 pounds or under. A person can say I want a Teacup, and I know the size they are asking me for.

Connie Limon. I raise Shih Tzu puppies. Purchase online at: http://www.stainglassshihtzus.com Sign up for our newsletter.

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Home Business Tips - The Top Startup Disasters

2008-11-08T18:40:00.001-08:00

Nobody's perfect. I realize that. But some of the boneheaded things that many people do when starting a home business are just criminal. I used to think that these things were common knowledge, but I guess I was wrong. So in this article, I am going to share with you the top startup disasters for home businesses. If you avoid making these goofs, you'll stand a decent chance of actually succeeding online.

The first startup disaster is in the actual business you choose. Some people go into something just because it's a area that they're interested in. Look, it's fine to get into something that you like, but you need to understand that if there is no demand for the product, service or whatever it is, you're not going to make any sales. I ran into this same problem with one of my businesses. I was interested in something that I tried to make a go of but the demand just wasn't there and nothing I did was going to create the demand. So do your research first and make sure people care about what you want to do.

Next on the list is web hosting. If you're going to put up a site, you need hosting. Well, a lot of startup home business owners go for free hosting because it's, well, free. Let me tell you something. Free hosting is free because it's worthless. The reasons are mind boggling, but just off the top of my head, the biggest one is that you have no control over your fate. A free hosting company can shut you down at any time if they don't like something you're doing. Plus, you have to put up with their banner ads, pop ups and all the other garbage that they force your visitors to see. Free hosting, in a word, will kill your business.

These are your two biggest startup blunders. Either one will literally kill your business. So please do yourself a favor before diving into a home business. Make sure there is a demand for whatever it is you want to sell and make sure you get yourself a good hosting account. These days, they're cheap. You can get a decent one for about $5 a month. If you can't afford that, you're in the wrong business.

To YOUR Success,

Steven Wagenheim

Want your own business right out of the box and cut your startup time down to zero? Check out my site at http://www.stevewagenheim.com/biab/ and get your own business in a box for literally pennies.

Finding the Best Free Web Host

2008-11-04T01:15:00.001-08:00

Wouldn't it be nice if finding the best free web host was easy? While this may not be a simple task to take on, it is one that you can do with success if you are willing to put out some effort. With so many free web hosts out there, finding the one that is the best of the best can be hard; there is no denying this. And to make things even more difficult, there is no way of saying for sure which free web host is going to best suit your needs. In other words, a service that is right for thousands of other people may not do anything for you. But of course, there is a free host out there that will most closely give you the benefits that you are most interested in.

There are several ways that you can go about finding the best free web host. And when it comes down to it, all of them will take a bit of your time. Generally speaking, you should start your search by gathering information on every web host that offers free services. The best way to compile this list is to start off with a simple online search. There are quite a few free web hosts, so make sure that you do the proper level of searching before you move on. Many people think that the services that rank high in the search engines must be the best. While this is true to a certain extent, this is not a full proof plan for finding the best free web host.

Once you have your list compiled, you then need to move onto determining what you want your best free web host to offer. Just like any web hosting service, each one that you have on your list is going to offer pros and cons. When you know what you are looking for, you will be surprised at just how easy it is to find the best free web host. The reason that a lot of people have a problem is that they start their search without knowing what details they will use to narrow down their choices.

You may also consider asking around if you are looking for a free web host. Did you know that there are hundreds of online message boards that discuss topics such as hosting? All you have to do is become a member of one of these forums, and from there you can ask questions about the best free web hosts, etc. It is safe to say that you will find plenty of people on these boards that have a lot of details and opinions on which free web hosts you should look into. And anytime that you can speak with people who have used free hosting in the past, you will definitely have the best chance of finding what is best for you.

As you can see, finding the best free web host can be a process. But if you want your web site to thrive, you need to make sure that you have the hosting that will allow you to do this. So instead of getting down on the search process, think about it as something that will pay off in the long run.

Bill McNulty writes articles about low cost web hosting at the web hosting directory, HostingRef.com.

Phillies, Rays ride out rain on World Series parade - USA Today

2008-10-28T18:50:00.001-07:00

Voice of America

Phillies, Rays ride out rain on World Series parade
USA Today - 37 minutes ago
By Paul White, USA TODAY PHILADELPHIA - The unprecedented suspension of Monday's World Series Game 5 turned a day of anticipation around Philadelphia, where the Phillies were hoping to win their first World Series championship since 1980, ...
Best 'pen will write ending to Game 5 MLB.com
Philadelphia Phillies fans rush to find now-usable ticket stubs The Canadian Press
The Associated Press - New York Times - SI.com - CBS News
all 6,045 news articles

As web hosting has become a profitable online business, reselling hosting business has also become more profitable. Windows reseller hosting solutions have substantially more advantages over the popular Linux reseller hosting because of the various favorable factors that you can offer to your clients such as:

Windows reseller hosting provider can now keep track of multiple clients by using a single control panel
You can have PHP and MySQL based Control Management System (CMS) with ASP.Net SQL website
As a Windows reseller hosting provider, you can host excellent Windows based applications which will help all your clients
Allow users to use Active Server Pages (ASP) scripts and other Microsoft applications in designing great websites
Use exciting new tools like Windows Mobile and Active Sync technology
Use Push and SharePoint technology
Use the ever-popular Microsoft Access or the ever-dependable SQL Server relational database management system (RDMS) for data management and data analysis. SQL Server has proved itself as arguably the most reliable database management system for many top enterprise level businesses all over the world. Your clients can now use this stable, reliable, and efficient RDMS
Use .Net (DotNet) or Visual Basic (VB) web development tools
Use Microsoft's Active Directory technology
Windows based server can host websites running on UNIX based system
Web hosting, especially Windows reseller hosting has now become as exciting as any other online business because Microsoft continuously updates its Windows based web applications with the latest technology
Multiple vendors are offering exciting web solutions that can help your Windows reseller web hosting business
Stronger security, better stability, and speed
Microsoft's Server 2003 hosting solution has proven itself as useful with its high-capacity server operating system and features

The disadvantages of using Windows Reseller Hosting are:

Windows based web applications need licenses and thus make Windows reseller hosting more expensive than the Linux based web hosting, and
Linux web hosting is more stable and needs less rebooting compared to Windows web hosting

Windows web hosting has better scalability factor when clients need to upgrade their web hosting needs as their businesses grow online. Windows web hosting is a better choice for the reseller hosting business considering the fact that Windows hosting has better compatibility with Linux hosting tools. Interactive applications like the Chat tools can run better under the Windows based web hosting. The powerful Visual Basic applications and DotNet can only run under Windows web hosting.

So, web hosting businesses, especially Windows reseller hosting businesses, are growing rapidly because the DotNet technologies like ASP.Net and VB.Net have become popular. With Microsoft's Exchange 2007, Windows Server 2008 Web Edition, SQL Server 2008, ActiveSynch and the latest mail server technology Windows hosting is positioned for a rapid growth. SQL Server management tools and other Microsoft Windows based technologies are making the Windows web hosting business grow at a rapid pace and is becoming very popular.

Now, Windows based web technology opens exciting new avenues in the mobile applications also. The popular Enterprise level databases like Access and SQL Server are being used all over the world. The new SharePoint Server and services, and many other Microsoft Windows applications for web design and development are becoming popular.

All these new technologies will also make Windows reseller hosting business more exciting. The success of these latest technologies will always attract more online businesses to Windows hosting. Web hosting is now definitely tilting towards the Windows hosting services, and that means better opportunities for the Windows reseller hosting businesses.

So, for web hosting resellers, the Windows reseller hosting business is proving profitable with its easier management, scalability, and ability to keep pace with the rapid technology changes in the web hosting field.

I cordially invite you to visit Eukhost.com blog to learn in-depth expert information about Web Hosting, SEO topics, and other information that will definitely help you in your web hosting requirements, and related topics of internet marketing, search engine optimization, targeted web traffic, link popularity, and affiliate marketing.

Dedicated Hosting Or Shared Hosting

2008-10-13T02:01:00.001-07:00

One of the first decisions you face when starting as a webmaster is that what kind of hosting should you get for your website? Should you go with dedicated hosting or shared hosting much depends on your needs. While shared hosting is the cheapest option, it just can't beat the performance of dedicated hosting. After reading this article you should be able to decide which is the right choice for you.

The major difference between shared and dedicated hosting obviously is that when you get a shared hosting account, you will share a web server with many other webmasters. With dedicated hosting you will get a server all to yourself, your websites will be the only ones hosted by that server.

Shared hosting can seem like a great deal with the prices starting from a few dollars per month with unlimited disk space and bandwidth. However there is a catch, you will not actually get that "unlimited everything" that hosting companies are so willingly advertising. If it was true, it would mean that you could host sites like google for a few bucks a month, does that sound realistic to you? Even though most of the hosting companies like to "over" advertise their shared hosting plans, it certainly doesn't mean that they wouldn't be any good. With many shared plans you will get more than enough bandwidth and disk space to run your website or many websites, as long as they are not too complex or have a very high volume of traffic.

The biggest risk with shared hosting is that if you would happened to get a huge spike in your traffic you might get shut down. The factor here isn't with bandwidth or disk storage, but with CPU (Central Processing Unit) cycles. So if you spike even for a short period of time, all your hosting services might get shut down from your shared hosting account.

When you go with dedicated hosting you don't have those same risks of getting shut down than with shared account. You have a lot more control over your account and you will get tons of features. You will also be able to install complex applications, for example things such as online shopping tools without it never affecting the stability of the server. Usually you will also get much better and more professional customer support from your hosting provider when you go with dedicated hosting account. Dedicated hosting is especially good for webmasters running sites with high traffic, like online forums, online stores etc.

So what is the conclusion? Well if you just want to get your feet wet go with shared hosting, but don't expect to get the sun and the moon for a few dollars a month. If you are looking to make some serious business online, there is no question should you get dedicated hosting, you should.

Mr. Tom Lane thanks you for reading and recommends you to visit http://www.websitehostingcompanies.info/ to find out what are the best hosting companies that suits your needs.

Do You Want A Job Or A Home Business?

2008-10-07T16:20:00.001-07:00

Which one are you looking for: a work at home job or a home based business? Did you answer "work at home job"? Most people will give the same response, not because they really want a boss breathing down their neck, just because they never realised having their own business was an option.

The sad truth is that just about all the people who don't consider anything beyond a traditional salaried job are going to be disappointed. No matter how hard or long they search, they won't find what they are hoping for. The reason for this is very simple: there are just not enough home based jobs to go round, there never have been. The work at home job opportunities you see advertised online will, on investigation, turn out to be freelance work or self-employed commission only work or, worst of all, scams. There are even unscrupulous website owners who will demand a fee from you to let you view a list of non-existent jobs.

The good news is that you can earn money at home even if you don't have a job. The Internet offers so many different ways to make money, you don't need to worry about whether you are working at a home based job or running your own home business. Here are some suggestions for different types of Internet work at home opportunities that can all be done on a part time basis to suit your commitments and personal preferences.

Online Surveys

Getting paid to participate in online surveys and focus groups is about the easiest way to earn money at home. You need absolutely no previous experience, special skills or knowledge. Market research companies just want to know the opinions of ordinary people and they are prepared to pay to get those opinions. The process is simple: you sign up with a company, they will notify you via email when a survey is available, you complete the survey, they pay you. All from the comfort of your own home.

Get Paid To

There are companies who will pay you to perform various online tasks such as reading commercial emails, signing up for free offers and playing games. This really is as easy as it sounds and you can perform these tasks at any time that suits you. You can sign up to individual companies who offer a particular variety of this type of work (eg get paid to read email companies). Alternatively, there are companies online where membership includes access to a selection of all sorts of different money earning opportunities. The individual tasks only take a matter of minutes to complete, so they can easily be done in your odd spare moments.

Online surveys and "get paid to" programs are about the closest thing to an employer-employee relationship we will be looking at in Internet opportunities. The companies send you tasks, you perform them and the companies pay you. The situation with the following work at home opportunities is different insofar as your earning capacity is limited only by your preferences and capabilities. In short: the more you do, the more you can earn.

Data Entry

Data entry programs are a little more advanced than online surveys but full training is included in the package and, if you have average typing skills and the ability to follow simple instructions, it is possible to earn a great deal of money doing online data entry. Online data entry is not the same as the old-fashioned boring and time consuming data entry work. The work can be completed in a spare half hour here and there to fit in with your day to day routines. You don't need any previous experience to do this work and, with the aid of the training provided, you can start earning money straight away.

Affiliate Marketing

Internet affiliate marketing offers a way to make money online without needing to have your own website. The way it works is simple: you promote other people's products and receive commission on the sales you achieve. It is possible to earn large sums of money through affiliate marketing. In order to be successful, you will need to learn how to market products effectively. It is, therefore, better to find a company offering training for affiliate when you first start out.

Multi Level Marketing

Multi level marketing is usually referred to just as MLM and, although it is frequently confused with illegal pyramid schemes, it is different. MLM is legitimate and can be a good way of earning money from home. The way it works is that you join the company and earn commissions for selling the company's products. ( The product could be just about anything you can think of eg satellite TV, phone services, cosmetics, wellness products, downloadable ebooks, insurance etc). You also recruit other people into the company. These people are placed in your "team" and you get paid a percentage of any sales your recruits generate. When choosing an MLM company, don't be swayed by promises of huge earnings. Obviously earning potential is important but the first thing to look at is whether you will feel happy to endorse the product. You won't be able to convince other people to purchase the product or to join you in your team if you don't have faith in the product.

You can earn money at home doing one or a combination of several of the above opportunities but none of them is a job by the usual definition of the word. You don't have a contract of employment, you are responsible for your own tax liabilities and you don't get paid holidays or sickness benefits. What you do get is your freedom and the chance to shape the quality of your own future both in financial terms and in terms of how you spend your time. Are you sure it's really a job you want?

Copyright 2006 Elaine Currie

Visit Elaine Currie at her Work At Home Income Directory Website to start your Home Business today.

Medicare Leaves Monthly Premiums for 2009 Unchanged (Update2) - Bloomberg

2008-09-19T10:44:00.001-07:00

SeniorJournal.com

Medicare Leaves Monthly Premiums for 2009 Unchanged (Update2)
Bloomberg - 1 hour ago
By Avram Goldstein Sept. 19 (Bloomberg) -- Medicare's monthly premium will be unchanged at $96.40 next year for most of the 44 million beneficiaries in the US health program for the elderly Illinois Low Mortgage Rate Refinance disabled, the first time in eight years the rate won't ...
No rise in monthly Medicare premiums for 2009 The Associated Press
Medicare Part B Premium Staying Flat for 2009 Wall Street Journal Blogs
KGAN - SeniorJournal.com - The Hill
all 273 news articles

Puppy dog training for obedience Article Incometaxhelp topic close Article the heart of dog lovers. Now, getting a new puppy in the house can be as joyous as having a new baby at home. It brings much excitement Cheappaternitytest everyone especially the kids. But The Nosejob need to make sure that buying the puppy is Guaranteed Approval Loans Bad Credit a decision made in haste or at the spur of the moment. Dogs are living creatures and not just gifts that need no maintenance. Though a little puppy can bring so much laughter and happiness, they Recipe Site require a great deal of training and when that happens, it is not a fun thing to do. Expect work if you Free Prepaid Cingular Cell Phones to train puppy dog well.

Dogs are like human beings. They too have temperament as Refinancingsecuredloans Surprised? A puppys temperament depends on Baby Shower Invitation Ideas birth place and his/her breed. So pay a bit of attention here about different breeds and their personalities in order to know how to train your dog puppy correctly. Rottweilers, bull dogs, boxers and German shepherds are guard dogs and they are born with natural instincts to love and protect their human companions. Gun dogs, pointer and Labradors are born and reared as hunting dogs. Because of their background, they are naturally energetic.

Bearded and border collies, on the other hand, being herding dogs are bred and reared on farmland, and are rather active and curious about their surroundings. They are known to love moving around and dont sit still well. You have to be a little Free Word Search Maker Online when you bring them to live in cities as they may be anxious and a bit scared and nervous since they are not used to the modern environment.

Training dog puppy needs time. But do not be unduly worried as it often takes a couple of weeks before it learns dog obedience. What you need is a little bit of patience and the amount of effort you put into it. One piece of good news is you do not have to spend hours to train dog puppies as it only takes a few Debtconsolidation each day over a few times. Thats all it takes.

The very first task to train dog puppy is its obedience in Greatmanagementskills commands like come, sit, heel, stay and fetch. These are easy to follow and most puppies are able to learn that quite fast. As they grow older and bigger, you can move on to include more advanced commands like rolling over, pawing and even play dead. One thing good about training dog puppies is they are very open towards learning. They are like blank pieces of paper ready to be written on. So training a puppy dog can be quite a fun experience especially when it starts responding to you.

Like kids, what they learn in their initial growing up months would be engrained in their memories. Used Car Loan Value Financing puppy dog training for obedience would also shape their behaviors later. All it takes is a simple rule, stick with the few minutes per session routine and keep repeating as a reminder.

Puppy dog training for obedience is so important as untrained puppies can be rather mischievous. Since they are young, during their teething stage, they develop a natural chewing behavior. Federalloanstudent can be quite damaging for your furniture as the holes they leave can be numerous in numbers. It is good to therefore start training dog puppies Childcustodylawyer so that they learn to differentiate what is wrong and what is right behavior.

Dog owners may resort to using dog training devices or products to aid puppy dog training but this is really not that essential. A little bit more of practicing and repeating the simple commands everyday would go a long way. The whole puppy dog training takes approximately a few months. Yes it may seem tough but the rewards would be great. At the end of the training, your puppy would grow up to be a loving and obedient dog that makes a great companion.

If you are keen to find out the specific commands to execute to properly teach and train your puppy, find out from my dog obedience website where you can learn some quick and effective dog obedience training techniques to train your puppy dog.

Davion Wong is a successful author and dog lover. Learn the special 4 - day dog obedience training system which any dog owner can use to stop dog behavioral problems at http://Train-A-Dog-In-4Days.Etc-Now.com and make your dog as obedient as a little puppy.

Create Your Own Horse Racing System: In Nine Simple Steps

2008-06-07T10:19:00.000-07:00

Most people think that you need to be an expert to produce a successful and profitable horse racing system which produces winner after winner.

However creating your own winning system is not difficult if you follow these 9 simple steps.

Lets consider a hypothetical horse called Old Nag and see if conforms to these 9 steps!

All the relevant information on Old Nag can be found in the offline or free online version of the Racing Post which is the industries leading newspaper.

* The number of runners in a race will obviously affect the chances of Old Nag winning. A big field means more competition. It follows that it would be difficult to pick a winner in a race of more than 12 runners.

* The type of ground a horse is running on is one of the most important factors in the outcome of a race. The going should be good or good to firm. If the going is soft or heavy then the outcome of the race could well only depend only on the size of Old Nags feet!

* When a horse ran its last race is also important. If Old Nag has not run for a while it would be difficult to judge its present form. Its last race should have been run in the present season, and no longer than 28 days ago. The shorter the period from its last race the better.

* Of course it would not be a good bet if the horse ran a few days ago only to come in last! It follows that its form or where it was placed in the last few races is important.

Ideally you would want Old Nag to have come in first or second in the last 3 races.

* The distance the race has to be run is also important. If the race is too short Old Nag may not have enough time to show its true form. On the other hand if the race is too long anything could happen the apocalypse might come, or the jockey might fall asleep! A safe distance would be between 5 furlongs and less than 3 miles.

* The Racing Post is the countries leading newspaper on all things to do with horse racing. Only the top tipsters appear in this paper. Their forecast for the winner of each race appears in a part of the Racing Post called The Selection Box. If 60 to 80% of them tip Old Nag as the potential winner then its time to sit up and take note.

* The letters C and D sometimes appear in the horses form. The C means the horse has been a winner over this particular course at sometime in the past. The D means he has been a winner over the distance the present race is being run. If C or D (or preferably both) appear then this is a strong indication that the horse should be considered.

* Handicap races are notoriously difficult to predict as theoretically all horses should pass the finishing line at the same time. So choosing non handicap races means even Old Nag might have a chance.

* Finally favourites win around 33% of the time. So look out for favourites especially if they are 3/1 or lower in the betting.

Of course even if Old Nag meets all these criteria there is still no certainty that it will win.

There is a way, however, where you will ALWAYS profit from a race. You can email me at ian.paton3@btinternet.com for more information on this.

Ian paton

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How To Use Autoresponder With Shopping Cart Integration

2008-06-01T22:45:00.000-07:00

When people place orders through your website, it is always a good idea to immediately acknowledge the purchase. One way to do this is with the use of an autoresponder that can be integrated with your shopping cart. In fact, many shopping carts that are available today have their own autoresponders built into the system.

When you set up your autoresponder to send a message to someone that has placed an order, there are several things that should be included in the message. This is an opportunity to speak?to your customer, and to let them know about other deals that you have or special items that you have available. You should not miss this opportunity.

Do not try to get your thank you?sales message on the same autoresponder as the customers email receipt. Putting the sales message on an email that is automatically sent to grant the customer access to their purchase is also a bad idea ?that would go better with the receipt. Make sure your thank you? sales message is a message that is sent out all by itself, so your customer can focus solely on that!

Thank the customer for their recent purchase. Tell them how much their purchase will help them, and then tell them about other available products that work well with the one that they just purchased, or that are similar to the one that they just purchased in some way. For instance hair conditioner works with hair shampoo. Vacuum cleaner bags or carpet powder works well with vacuum cleaners. Just let them know about the various products that you offer that will compliment their purchase in some way.

The important thing is to not let your customer get away without further contact! Think about being in a brick and mortar store. When you go up to the counter to pay, there are many items there for sale. These items are meant to be picked up as last minute purchases, or impulsive purchases. Your thank you?sales letter serves the same purpose.

Dont make the mistake of bombarding your customer! You can usually send them periodic information about your specials after they have made a purchase through you, but emailing them on a daily basis with your offers is not good business! Use your autoresponder responsibly! Make sure that your autoresponder is set up to handle automatic remove requests, and make sure that the information that you are sending your customers is of value to them.

Dechen Lau., is an Author, Speaker and Internet Marketing Consultant

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Did The Game of Golf Come From Outer Space ?

2008-05-27T19:12:00.000-07:00

The exact origins of the game of golf remain a subject of continual debate. Although Scotland is generally considered as the birthplace of the game, as it is played today. This claim is due in large part to a number of specific historical references dating as far back as the mid 1400s.

The most commonly cited of these references is a written record that a games called either geoff, gowf or gawd , this is a hard game was played during the reign of James II of Scotland. In 1457 King James proclaimed by royal decree that the playing of fluteball : and gowf were forbidden so that the men of Scotland could concentrate on their archery practice.

Thus the pursuit of golf remained outlawed until the signing of the Treaty of Glasgow in the year of '1501 m which brought peace between the warring parties. At this point even Scotland James IV took up the game of golf himself. A long relationship between golf and royalty ensued although both commoners and gentry alike frowned upon Mary Queen of Scots when, in 1567 was found to be playing golf just days after the death of her husband Darney.

In an alternate theory of golfs beginnings, a Dutch historian, Steven von Hengel, has argued that golf originated in Holland around 1297. A form of the game called spel metten kove and also called Colf. Colf, it is believed, was played primarily on ice. Nevertheless golf may have grown out of this game and another game that was popular in Holland, called Jeu De Mail. This letter carrying game was played in wooden shoes with soft spikes.

Without question golfs major growth occurred in Great Britain, primarily in Scotland. Golf became an accepted part of the culture as early as 1604, when William Mayne was appointed Royal Clubmaker, although the game was still reserved for the elite who had the wealth and leisure to enjoy it. Early golf was played with a feathery golf ball - a stitched leather ball stuffed with boiled goose feathers. A feather ball cost three times as much as a club and because feathery balls were so delicate, players had to carry three to six balls In addition the balls flew poorly in wet weather, a fact that further dissuaded the working class who, unlike the gentry did not possess the flexibility of flexible time and leisure for scheduled games of golf.

The ball, as it has throughout history, dictated other matters pertaining to the development of the game. Because the feathery ball performed so inadequately when damp, early golf was played predominantly on the relatively arid eastern side of Scotland. Furthermore the eastern seaside location was popular because the underlying sandy soil drained more rapidly than the and the grass was naturally shorter. It must be noted that the invention of the lawn mower is a relatively current occurrence. Along the way this short grassed seaside golfing location came to be too referred to as links.

If the debate over whether the Scots or Dutch created the game of golf, the Scots certainly had a hand in creating the golf club. Leith is considered the birthplace of organized golf, and the golf club called the Honorable Company of Gentleman Golfers was founded by William St. Clair in Leith in 1744 and later became the Company of Edinburgh Golfers. Ten years later, the Royal and Ancient Golf Company was founded under it original name, the Society of St. Andrews Golfers. The Royal and Ancient Golf Club runs the British Open and British Amateur duties that it assumed in 1919 , and since 1951 has administered the rules of golf in cooperation with the United States Golf Association . The R & A also established 18 holes as the standard golf course. In 1764, the Old Course at St. Andrews consisted of 22 holes with golfers playing 11 holes out and 11 back. Eventually the last 4 holes on each side, all short converted into 2 holes leaving 18 to be played.

Thus is the history and origins of our modern game of golf that we treasure today.

Syd Nohcud

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The Bichon Frise Dog Is A White Powder Puff With A Merry Temperament

2007-12-16T10:31:00.000-08:00

In French a Bichon Frise means curly lap dog. He is the best known member of the Bichon family of dogs.

HISTORY

Bichon Frises originated in the Mediterranean region and have existed since the Middle Ages. Bred as a lap dog for the French royalty they became court favorites in the 15th century. During the French Revolution they ended up on the streets. They were then caught and trained as circus dogs.

PHYSICAL DESCRIPTION

They have round dark eyes that have a inquisitive expression. Their ears are dropped and covered with long flowing hair. Skull is slightly rounded with a black nose. A plumed tail is carried over their back.

Their coat is loosely curled consisting of a textured outer coat with a soft undercoat which is curly thus the powder puff look. The coat should spring back if touched. Their coats are white but can have shades of buff, cream, with apricot around ears or body.

They are a non shedding dog so they are popular with people who have allergies.

Height: 9 - 11 inches
Weight: 7-12 pounds
Life Expectancy: 15 years

CHARACTERTICS AND TEMPERAMENT

Affectionate
Sensitive
Playful
Inquisitive
Non-shedding
Energetic
Very trainable
Happy
Gentle
Rarely aggressive
Charming
Dignified

Bichon Frises can live in an apartment, condominium, or house, but they do enjoy walks. Sturdier than many dogs of their size they adapt to any environment as long as they are with people.

These little guys are affectionate, playful, charming yet dignified. The cheerful attitude is the hallmark of this small dog breed. His merry temperament makes him a good companion.

They need people a lot and are most comfortable being close to their owners. They enjoy being a lap dog.

Bichon Frises like children more than many other small breeds and are good with other animals.

TRAINING

A Bichon is easy to train but it should be gentle and firm - no scolding. They need to have socialization training as a puppy to learn manners since he is a highly sociable dog.

They are easily housebroken by using the crate method. They are intelligent but not always cooperative with this chore. Just establish a routine and stick to it but do add praise to further motivate them.

GROOMING

Regular brushing is needed. They require a thorough shampoo and rinse with combing it's curly coat while blow drying it. Use a slick brush. You will need to wipe around their eyes because of eye discharge as mucus accumulates in the fur in front of their eyes. Trim around the eyes and ears with a blunt nosed scissors. A professional grooming is recommended to achieve the Bichon "look".

You need to brush their teeth 2-3 times a week with a yearly check-up.

Bichon Frise is generally healthy but are prone to:

Cataracts
Knee dislocations
Ear infections
Eye infections
Skin allergies
Early tooth loss
Bladder infections and stones

They love to eat so their diet must be watched so they don't become fat. A responsible breeder will give you instructions on feeding your puppy. You should feed him a premium dog food and puppy food till he is a year old. Feed him about one cup in a 24 hour period about 4-5 hours apart. Adult dogs are feed two meals a day.

Always provide fresh water.

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Travelling with Your Camera

2007-11-29T20:41:00.000-08:00

Think positive! The year's not half over, there's still half to go. That is when it comes to Photography Events and Festivals.

At least once a year, all across the country, smalltown America comes together to show their spirit by holding family-friendly festivals. These events are generally held on a weekend and feature local art, music and culture. And then there are the week long functions, such as the Yamhill Fair and Rodeo, which is held Sunday to Sunday in McMinville, Oregon. Not only will you FIND local art and cultural here, but you'll want to have your camera handy for those awesome rodeo riders and prizewinning flower entries.

But the Photography Events I'm going to acquaint you with now are the ones held in metropolitan areas throughout the world. These functions draw both local and internationally acclaimed artists. There are several well known events planned for the second half of 2007. Some of these festivals are being held in various cities throughout the United States, one in Canada and two in France. If you've dreamed of combining a vacation with your love of photography, this may be your chance to do just that. Choose a destination, pack your suitcases and camera bags and head out for the experience of a photographers lifetime.

First on the calendar is the Les Rencontres D'Arles Photographie held in France. Although this has already begun, it runs until September 16. If you are fortunate enough to travel to this phenomenal show, you will encounter 50 magnificent expositions.

Next on our calendar is the Foto Septiembre USA, held every year September 1 - 30 in San Antonio and other Texas cities. This is an International Photography Festival which is a popular destination for both artists and photography enthusiasts. Not only do they provide a forum which allows artist to exhibit their craft, but they also operate through a website and publication. This provides exhibitors, sponsors and advertisers the additional valuable support of internet exposure.

Next we head north to our Canadian neighbors in Montreal. The Le Mois de la Photo has been held every year since its inception in 1989 to celebrate the 150Th anniversary of photography. It is dedicated to Fine Art Photography and will feature 30 exhibits in galleries and museums throughout the city. The goal of this event has always been to educate the general public about photography as an art form. This year's guest curator will be art historian Marie Fraser whose theme will be The Narrativity of The Image, which should prove to be a captivating topic.

Next we're headed south to Georgia for Atlanta Celebrates Photography, ACP9, held in October. This is a citywide festival which is in its 9Th year. It has art exhibits in diverse locations throughout the city. You will enjoy lectures by international and local artists, a pushpin show, a film series and the public art program.

On to The Big Apple and the PhotoPlus International Conference + Expo 2007 being presented October 18 - 20. This is being called the premier event for forward- looking imaging solutions and photographic education. It also promises to bring leaders, pioneers, and rising new stars together for unprecedented networking events.

Paris Photo which is considered by many to be the leading fair for still photography will be held this year on November 15-18. It will offer photo enthusiasts some 100 galleries and publishers from all over the world. In addition to the exhibits, there will be book signings, prize award ceremonies and lectures. What could be better than to be in the City of Lights with your camera and other photographic devotees.

We wrap up the year in Florida at the Photo Miami scheduled for December 5-9. This International Contemporary Art Fair will be held in the Wynwood Art District of Miami. It focuses on Photo-based art, video and new media.

Any one of these Photography Festivals would be a once-in-a-lifetime trip whether you're a hobby photographer or photograph for living. Dust off you your camera bags and hit the road.

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Starting with High Yield Investment Programs - Beginner's Guide

2007-11-28T08:44:00.000-08:00

Welcome to the world of HYIPs

I hope the information contained in this document will prove worthwhile to you. I started investing in HYIPs in August of 2006. I made some mis-takes and I made some profits. This document is intended to help you avoid the mistakes and focus on gaining the profits.

With that said, let me start on my 10 Keys to HYIP Investing:

1. Remember that this is RISKY business. Approach it at first as you would a trip to the casino tables in Vegas. Key #1 is Only invest what you can afford to lose. Some of the HYIPs are genuine, and some are scams. So far, about 40% of the ones I first invested in folded within one month. The other 60% are doing fine and producing profits. I tell you this to show you that it is risky, and until you build up some profits, only risk what you can afford to lose.

2. Research the HYIP very carefully. You can do that by check-ing them out in the HYIP Monitoring Forums listed in the left column. Use the Search command if it is there to find the program youre interested in.Most of these forums show whether a HYIP is paying or not, how long it has been in existence etc. Many of them also display votes from people like you and me who have invested in this particular HYIP and are reporting back.

3. Do the Due (diligence). As you examine the forums and read about various programs, look for the following information:

how long has it been in exis-tence? I generally steer clear of (or invest very little money in) HYIPs that have been around for less than 3 months. The longer track record, the better. Scammers generally come and go in just a few days or weeks

what is the rating according to the site? Most sites have a rating system. The ones listed under Pre-mium are sites that have paid for that privilege, so it is biased. Look for ones rated under Best Programs or something similar

check the status. Most sites display a small banner next to the HYIP name, saying something like, PAYING or WAITING or NOT PAYING. Obviously, you will only consider the ones with the PAYING tag

check the votes. Look for pro-grams with many votes. The more input, and the longer they have been around, with many votes from satisfied customers, the better

check the most recent votes/postings. See if people have been paid in the last couple of days

4. When you start investing, di-versify. Do NOT put all your eggs in one basket. Though it is tempting to put almost all your money in the best paying/most reliable program, dont do it. Spread the investment around. Most people who do this well have investments in 20 or more HYIPs. If any one fails, you only stand to lose 5% of your total investment. I would counsel against placing more than 25% of your investment in any one HYIP.

5. Start small. Invest the mini-mum amounts in the program and see if it pays as promised. Trust them with $10 before you invest $100. This is generally good advice, but some scammers pay the small amounts and then when you drop a big amount in, say $500, they disappear. However, generally, this is a good test.

6. Note the payout method of the HYIP program. Some are automatic, meaning that your gains are automatically deposited into your e-gold account. Some are manual, meaning that you have to go to the website of the HYIP and submit a withdrawal request, which they then process - and then the money ends up in your e-gold account. If you invest in a manual withdrawal HYIP, I would suggest you make a withdrawal every time the amount is over $10. That way, you wont have $100 sitting in your account if/when it disappears.

7. Beware the high percentage promises. As a general rule, a HYIP is likely to succeed if it offers modest gains to its investors. Any HYIP that offers 300% in one day or something ridiculous like that is almost certainly a scam. Also, plans that promise to pay HOURLY are mostly scams. There are some noble exceptions, but be particularly skeptical of these ones.

Also, note which programs return your capital and which ones dont. A plan that pays 25% for 6 days and doesnt return your capital, is a profit of 150%. A plan that does the same thing, AND returns your capital, is a profit of 250%. Make sure you calculate correctly. Also, when planning over a month period, include what you might gain if you re-invest. For myself, I created a spreadsheet showing what $100 would become in one month with various plans. This gives you a true picture of your re-turn, in an apples to apples compari-son. Otherwise it may be hard to cal-culate which plan gives better returns, eg. is one that pays 1% per hour, better than one that pays 10% per day, and is that better than one that pays 200% after one week etc. etc. Only your monthly calculation will tell you.

8. As an investing strategy, it makes sense to take back your original stake money and invest your gains. That way, you cant really lose anything. If you invest $100 and the account builds to $300, take your original $100 back, and rest easy in the knowledge that you can now not lose money since you are just playing with the winnings.

9. Banking the gains. It is possi-ble to make some impressive profits with HYIPs and you will probably be tempted to let it ride. I advise against this. Bank some profits regu-larly. If you make $10,000 next month, from a $2000 investment, bank $2500 and let $7500 ride. It may take you slightly longer to reach the investment profit goal, but you have made some money safe every month. If it all fails the following month, at least you made $500 from your $2000 investment. My recommendation is to bank at least 25% of your total every month.

10. Beware of scam and phishing emails. These are emails that trick you into revealing your account information to the scammer. You receive an email that says something like, Your account has been blocked, or Somebody tried to access your account illegally. Then the email will instruct you to click a link and verify your details. NEVER CLICK A LINK IN AN EMAIL TO VERIFY YOUR ACCOUNT DETAILS. Always go to the website directly from your browser, using your Favorites bookmark, and try accessing the account that way. If you can, then obviously the email was a scam or phishing attempt. If you cant, click the Support button on the website and send a message to the Admin, telling them your problem. This advice applies to both your HYIP accounts and your e-gold account. Again, I warn you, NEVER CLICK A LINK IN AN EMAIL TO VERIFY YOUR ACCOUNT DETAILS.

ABSOLUTE BEGINNERS:
If you dont have an e-gold ac-count, you will need to get one. You can open an account here: or click this link: https://www.e-gold.com/newacct/newaccount.asp?cid=3308376

You will also need to find a method of converting cash into e-gold, in order to fund your e-gold ac-count. You can use this service: http://www.betterxchangers.com/ which I like, since they offer a variety of funding options, one of which is very convenient.

Other than that, I suggest you visit my website and check on which programs Im invested in, and which ones are doing well for me.
______________________________________

http://www.momoola.com/HYIP.html
______________________________________

Good luck. Tread carefully. Give 10% of your gains to a church or charity :)

Check out your chosen HYIP at some of the forums below:

http://www.investdaddy.com/
http://www.hyiptalker.com/
http://www.goldpoll.com/
http://www.hyipinvestment.com/
http://www.thehyipforum.com/index.php
http://www.hyipexplorer.com/
http://www.goldrater.com/
http://thehyips.info/
http://paidhyips.com/
http://www.talkgold.com/forum/
http://www.hyipranking.com/
http://www.cash1688.org/
http://www.topmonitor.info/programs.php
http://www.provehyip.com/

SCAM LIST:
http://thehyipforum.com/message294-ongoing-list-of-possible-scams-or-program-closings!.html
http://www.talkgold.com/forum/r3143-.html

Glyn Norman started investing in HYIPs in 2006 and offers this advice so that you can learn from HIS mistakes without making them yourself :)Video Game Accessory Gtdwbskz
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About French And Belgian Comics

2007-11-23T08:50:00.000-08:00

Comics And Comic Books - France and Belgium are two countries with a long history of comics and comic books. They are called Bande Dessine in French. Belgian comic books on the other hand were first printed in Dutch are greatly influenced by Francophone comics, but still have their very unique style.

La bande dessine comes from the sentence: art form as drawn strips which is literally translated as the drawn strip. It's English equivalent, the word "bande" can be both film and comics. It's not insignificant the French term comic contains no indication of subject matter, unlike the American term "comic," which implies a form of art not to be taken seriously.

For more information on comics visit:
http://www.mysecretsites.info

Relative to the size of their populations, the innumerable authors that are in France and Belgium publish a vary high number of Franco-Belgian comics. In North America, the Franco-Belgian comics are a lot more serious and are often seen to be graphic novels.

In France, comics are mostly published at the behest of the author, working in a self-appointed time frame. It's not uncommon for readers to wait as long as six months or two years between installments. In those countries comic books are first published as with hard covers, and typically with 48 or 64 pages.

Personally I would not want to wait that long for a comic book to see how the story will end. As a typical American I want it now, even my laughs.

~Anthony Benjamin~ http://www.mysecretsites.info

Anthony Benjamin is an avid world traveler, lover of nature and animals. He loves to write and share his wealth of information and adventures in his writings. His favorite place to retreat and write is his summer home, secluded high on a mountaintop in the Great Smoky Mountains. A visit to his website is a true delight: http://www.appalachian-treasures.com New York City Housing Authority
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4 Sneaky Ways To Slaughter The Price Concern Of Your Prospects!

2007-11-22T08:44:00.000-08:00

Who says you have to always compare apples to apples? Try comparing apples to oranges instead. Use these 4 sneaky?techniques for your website and watch your sales grow!

Sneaky Technique #1

Confuse the price concern with indirect comparison.

Lets say that you are selling CDs for a seminar. You can go around the price issue by saying this?

The CD-set may cost $397, and thats a lot of money. But think about the money you saved if you actually went to the 3-day seminar.

Youd be paying $300 for the hotel, $300 for the plane ticket, $200 for food and drinks, and $600 for the ticket to get into the seminar itselfso you are actually investing $397 instead of $1400 and getting the same information.?

So the price issue here is not with your competitors. You are comparing the value of the CD-set with the more expensive live seminar!

Sneaky Technique #2

Bring up the labor and research it took to develop your product.

For this example, lets say you are selling vitamins and your price is higher than the competitors. Tell your prospects (if its true) that your vitamins:

 Is researched by a team of 1000 world class scientists that cost millions of dollars.

 Took ten years of constant research to reach your perfect formula

 Organically harvested and costs millions of dollars more to bring the best of nature to your customers.

This justifies why your product is more expensive by demonstrating that millions of dollars of labor that is packaged into your product.

Sneaky Technique #3

Sell the bulk?benefits your product offers.

Return to the vitamin example. This technique doesnt even compare your product with money. Show your prospects how much food they will have to eat to equal the amount of nutritional benefit found in your vitamin.

For example your vitamin offers:

 The vitamin E found in 5 pounds of peanut butter

 The vitamin C found in 60 large oranges

 The vitamin B found in 70 pounds of beef

Definitely your vitamins are cheaper than 70 pounds of beef, 60 large oranges, and 5 pounds of peanut butter. So youre making them feel like they are getting a great deal!

Sneaky Technique #4

Split the price into easy payments.

If you want to squeeze extra cash from your prospects, this is a great way to goeven if you price is higher! Sales will improve if you offered them an option of paying one big sum or paying into easy installments.

For your $1000 product, offer them 4 easy payments of $250. Conversion will increase if you give them these options.

The funny thing is that it has been shown that if you offer a premium?package for $1500 split into 8 easy payments of $187.50 instead, there is no difference in conversion ratebut a big difference in your wallet!

I dont have a scientific reason whyI just know it works!

These techniques are used to make it difficult for your prospect to make an easy, direct price comparison. It also shows the hidden monetary value of the products you are selling.

If you havent used these techniques in your website yet, start doing so today and youll be happy you did.

Alan Quan is a certified Internet Coaching Empire coach and specializes in helping people build their own successful internet marketing business. Visit his website at http://e-bizcoachalan.com/success.htm and find out how he can help you to quickly accomplish your goals and boost your internet profits.Wesleyan Moves To Eliminate Loans For Neediest Students Wesleyan Argus
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How The Right Words Can Win Over Your Sales Prospects

2007-11-16T22:32:00.000-08:00

First - a quick story about a customer service experience which leads to an invaluable sales tip for you.

In July, Bernadette my wife, my niece who's graduating from college and two close friends a going to Rome. For my niece, Morgan, and two friends it's their first trip to Europe.

We'll be in Rome for five days and another seven days aboard a cruise ship in the Mediterranean.

Helen - my 88 year old mother in law lives in an assistant-living facility near our home in Lakewood Ranch Florida.

Gunner is our 13.5 year-old Yellow Lab. He's moving at a slower pace these days.

Rudy and Eileen, my father and stepmother, have been recruited to take care of Gunner and look in on Helen periodically.

Well, that's the situation and Bernadette and I are a little nervous about being gone for 12 days.

So it's time to go shopping for a new telephone which allows us to make and take calls and gives us internet access while we're in Europe.

I realize there are many options - but decided to stay with Cingular and upgrade two of our telephones.

So I get the biggest zip lock bag I can find and stuff it with our phones, auto chargers, and battery chargers.

You have to admit, the technology that comes with the newest phones is absolutely mind boggling.

Imagine being able to make calls, dictate messages to yourself, get directions, send e-mails, browse the web, take pictures plus another 97+ optional tasks.

While the technology is impressive the process of buying a phone and selecting the right plan for me at least, was nothing short of aggravating.

At the first Cingular store I visited, I was able to identify the plan and the phone I wanted. I chose a Palm Treo 680 and which included International World Traveler access.

That was the good news. The bad news was they didn't have any in stock. The sales agent checked other stores for availability and told me to come back on Monday.

During the conversation I asked the sales agent how long she'd been working at the store. She said, "six months." I asked her if she liked the work. She said, "Not really!"

I start thinking how would you like to have a salesperson, who doesn't like the work, selling your products? She then volunteered that this was her last day. My thought was - good for her and good for Cingular.

So Monday comes, and I go back to the store to buy my new Palm Treo. Whhen I got to the store, I could see the sales agent, the manager, was having a difficult time explaining options to a senior citizen. She had the patience of a saint - based on what I heard.

I decided to leave the store, do some other errands, and return later. When I retunred 45 minutes later, the saint was just wrapping up with the same customer.

I wasn't surprised, that the first sales agent dropped the ball and my phone hadn't been FedExed. The store manager called around and found another Cingular store with the Palm Treo in stock. Yippee!

You could say I'm not the most patient person in the world. You could also say that after three visits and still no telephone my frustration level was like a volcano ready to explode.

So I drove 20 minutes to the other Cingular store. As I walked into the store, I could see two sales agents each working with customers.

Immediately I start to think - another long wait. No sooner did I walk into the store, one of the sales agents looked up at me and said, "Something we can do for you real quick?"

My attitude immediately shifted from being disappointed that I would have to wait to being impressed by the attention I got as soon as I walked into the store.

All he said was,"Something we can do for you real quick?"

He acknowledged my presence, he offered to help me, and made me feel good - all that with only eight words.

I told him I was there to buy a Palm Treo 680 and a new telephone for my wife.

In just a few minutes, Marilyn, the other sales agent was saying goodbye to her customer and offered to help me.

It took an hour and 45 minutes to get everything set up. High-tech telephones with borderline Neanderthal set up procedures - company policy!

The service of this store was very good - I want to make that point very clear.

Anyway, when the other sales agent - Michael was available - I complimented him on his opening statement and asked, "Who taught you that?" He said no one - he developed it on his own.

I told him it was a powerful opening statement and I wanted to write about it and share it with my newsletter subscribers. I asked him for his business card. I told him I would send him a copy of the newsletter which would describe my experience in his store.

His name is Michael Degirolamo and he happens to be the District Manager for six Cingular phone stores located between Tampa and Naples Florida. He was a bucket of enthusiasm. He started describing the results he was getting, within a very short timeframe, from the stores.

He wanted to know the name of my newsletter and my name. I said, "My name is Jim meisenheimer and the newsletter is Knockout Selling Tips!"

I almost fell out of my chair when he said, "Hey Jim - I'm already getting your newsletter - I read it every week."

Well - that's the story and here are two sales tips I promised you.

Two sales tips you can begin using immediately:

1. Inject the words "Real quick" when it's appropriate during a sales call. I'm sure Michael won't mind if you borrow his exactly terminology.

2. Whenever you're talking a prospect/customer, either on the telephone or face-to-face, you can make them more agreeable to talking with you when you say this, "I'd like to ask you a real quick question." That's a sales tip I learned from Bob Burg.

It never ceases to amaze me how the right words and phrases can influence the outcome of a sales call.

When you're articulate, you can say less and sell more.

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Cheap No Fault Car Insurance

2007-11-13T15:03:00.000-08:00

Is this a pipe dream? Getting cheap no-fault auto insurance is like finding the proverbial needle in a haystack. You know its there somewhere, but how in the world are you going to find it?

Well, thank goodness for the Internet. Because on the web you can find anything you want (and a lot of things you dont want). You just need to know how to look.

To find anything, you have to first really know what youre looking for. And if youre clear about no-fault auto insurance (NFAI), youre one in a million. But, if youre not, youll want to do some homework, because its incredibly confusing.

Some states dont offer NFAI. Each individual state has their own regulations for auto insurance companies and policies. Some require NFAI, while others dont. And some offer something similar instead called tort coverage. So, the first step is to get clear how it works in your state.

You can google your states auto insurance regulations on the Internet and look for the types and amounts of coverage minimally required. But be prepared that some state requirements are very low and others dont even require basic liability and/or bodily injury protection.

Once you know the minimum coverage required, you then have to decide how much coverage you want and need for your particular circumstances. The insurance salesmans usual advice is to buy high as much as you can afford. But, since hes earning a commission on the sale, thats what you should expect him to say.

Of course erring on the side of caution is still your best bet, especially if you own your own home or other valuable assets. In case of an accident, you dont want your personal finances on the hook.

When you know how much car insurance you need and want, then its time to shop around. And thats pretty easy to do on the net. If youve never compared rates before, youre going to be shocked at how much difference there is between different companies - hundreds of dollars in some cases.

There are also a lot of ways to save money on no-fault auto insurance. Check into possible discounts for a good credit report, multifamily and multipolicy discounts, driver safety classes, installation of safety/anti-theft devices, etc.

One of the easiest ways to cut car insurance costs is to increase your deductible. For example, raising your deductible from $250 to $500 can lower your annual premium by as much as 10%. Just be sure you always have enough cash available to cover the higher deductible if you should ever need to.

One last point to consider. Cheap isnt necessarily whats best for you. You can get cheaper rates by skimping on your coverage or even possibly dealing with a shady, fly by night insurance company. Michigan state regulators recently caught several scam artists selling bogus no-fault auto insurance policies.

So always be certain youre dealing with a legitimate reputable insurance company, especially if theyre promising outrageously cheap rates. You could end up getting nothing for your money and it would not be considered no-fault of your own.

Maria Cuttini shares tips and resources for saving money on auto insurance on her blog at http://www.AutoInsuranceUnlimited.com. Stop by and save some money!Short Term Loans Online Personal Loans Thinkcash Com
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Internet Marketing Training Solutions

2007-11-11T19:23:00.000-08:00

Have you signed up for a new internet marketing business and still dont know what to do? You decided some time ago that you wanted to work from home but you didnt know how to get started and there is a lot of information out there.

Maybe you found the business that you want to be marketing but you are still confused about where to market on the internet. There is email marketing, safelist advertising, classified advertising, search engine advertising and the list goes on. You even wonder what a search engine is? Theres a difference between free advertising and paid advertising. Theres traffic exchanges and banner advertising.

One of the most important lessons I have ever learned is to have a system and keep track of what you do. If we look at the system, we have to be sure it can function not only for you and me but also for those that will become part of your business. After all, network marketing is a business design that is meant to have a network of people that work together for the growth of the business. The structure is as important as the products that are being marketed.

Lets put the products to the side for the purpose of this article. The reason for this is because many of us have different companies that we are marketing products for and our purpose is to be a conveyance of products from the producer to the consumer, nothing more. When talking about a marketing system, we are talking about a system to introduce potential business owners to participate in one or more various aspects of the network marketing business. While talking about the marketing system, we are also talking about a marketing training program as well and this article is a component of an internet marketing training program.

We will break it down to a very simple form. Im going to take one aspect and that is list building. With this aspect, we will not get into advertising techniques except to remind ourselves that it is the internet advertising and also offline advertising (such as newspaper advertising and mail order advertising) that function to bring list building to fruition.

THE MONEY IS IN THE LIST.?This is the one statement to remember if you forget everything else in your internet marketing training. Whether we are talking about network marketing, internet marketing, direct sales or any other marketing program, business is conducted by people working with people. This even goes for traditional business. What is the most powerful form advertisement? Word of mouth! In business, when you satisfy your customer, you will get 5, 10 maybe 20 referrals. When you let your customer down or act unprofessional, they will tell EVERYONE they know.

List building. List building is the number one activity for any business owner or network marketer. How you go about this is probably another 1500 articles! Lets keep it simple. The reason for putting someone on your list is so you hopefully?have a customer for life. You introduce yourself through your advertising and invite the prospect to join your list. Maybe you didnt get that. This is the most important line in this article. Read it again: (You introduce yourself through your advertising and invite the prospect to join your list.) No matter how it happens, you are asking your prospect to join your list and they agree. This agreement could be in the form of them filling out a form on a website to sending an email to an autoresponder. Your goal is to add as many good quality prospects to your mailing list as possible so you can keep in touch with them through your mail system. Your mailing system could be them joining your opt-in mail, autoresponder, newsletter, ezine or etc.

Theres 2 distinct factors of your mailing list. First, you are advertising to invite new prospects to your mailing list. The second factor of your mailing list is mailing follow up messages to the people that agreed to join your list. Once you have your business(es) up and running, the people on your list are valuable to you. As an established internet marketer, each member of your list has an average monthly value to you. One major marketer commented that each member of his list is worth $1 per month on average. This doesnt mean everyone on his list sent him $1 every month but this is the average across everyone that was on his list. If this was a market average, this would mean you could estimate making $1,000 if your list had 1,000 members on it. Of course, you have to have the business or sales opportunities and mailings to your list to make this happen.

Now that you see the value of your mailing list, all you need to do is build it. For the purpose of this article, all I wanted to do is show you the value of your mailing list and the importance of having a System?to build that mailing list with. Lets go one step further. Remember, I mentioned how you go about building that mailing list can be about 1500 articles? Lets keep it simple. Instead of going all over the internet looking for 1500 articles (most of them wont serve your purpose), keep in touch for more marketing tidbits of information. We will discuss building that mailing list with a generic marketing system. Further, the marketing system is designed to market any business that you are promoting. (We hope you are promoting a valid marketing program as well.)

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5 Tips To Affiliate Marketing Success

2007-11-09T15:55:00.001-08:00

Affiliate Marketing is something that all small business web sites do to some extent either as publishers or advertisers. Although some webmasters use affiliate programs simply to supplement their income to pay hosting fees, others earn dramatic profits by following these simple rules for better affiliate sales.

Autoresponders are incredibly valuable tools that allow you to send a timed series of email messages to those that sign up for them. Most often those autoresponders are sent through a third party provider. Some of the top providers are Sendfree.com and aweber.com

Purchase Offline Classified Ads: You can purchase space in Thrifty Nickel Ads rather cheaply. Try to find a niche that isn't overrun such as work-at-home or business opportunities. You can place your ad online, but I've found that if I can save nearly 50% if I purchase the ad space in person, or if you mail in your payment. Call them first and ask them how much the ad will cost if you mail in your payment.

Visit some of the top classified sites on the Internet. Simply do a search on Google, Yahoo or MSN, if you aren't familiar with any. Visit the work-at-home, and business sections. Write down their email addresses and simply request more information. But before you do, write your email signature as a small ad. Never attempt to sell them anything in the body of your email, this might be considered spam. Just simply ask for more information and create an enticing tag line as your email signature.

Filling a web site with content reflecting a narrowly focused product or service niche is a well known method of gaining web traffic in your area of specialty. An excellent resource that can help you determine relevant and focused areas to fill your site with is called NicheBot. They offer innovative tools to research and pinpoint market niches for your web site based on the WordTracker Database and Google.
http://www.nichebot.com

Writing articles about your market niche is essential to gain reputation as an expert in your field. But the biggest benefit comes not just from writing those articles, but from having those articles published by other web site owners and ezine publishers. Your article gains you both reputation and links from other web sites from the resource box appended to the end of each article.

Choosing the right affiliate program is vital for your success. We dont want to end up with lemons, right? It is not advisable to invest time and effort into something that will not yield the best return for the energy expended.

How sellable is the product? You could always ask for statistics from the affiliate program. Dont forget that. You could demand to see the sales chart for the past few months, so that youd know that there are people who are actually willing to purchase the product. We can safely say that an affiliate programs offering high commission rates for very sellable products is an excellent opportunity.

Most affiliate programs will provide their affiliates with tools to market with. Simply put, the more tools provided, the more chances of you making the sale.

This is because you can then save time by simply editing the provided materials to your own 'voice' instead of creating an ad from scratch. You can focus instead on the marketing. Similarly, having more tools also equate to more opportunities to get the sales message through effectively.

A factor you must pay attention to is how much you will be paid, in relation to your promotional efforts. A higher commission percentage can be a huge motivation to place higher focus on a particular product in your total portfolio.

Alternatively seek out products with a higher end pricing or those that offer residual income. You would want to profit exponentially from any effort placed.

This is one tool I have used with great success, and I highly recommend for the beginner to expert affiliate marketer.
http://www.asa.name/affiliatemarketing/go

So find a program you believe in and follow through with it. Learn all you can about it and its products. Stick with it and continue to find new ways to market it. It may take a little while, but before you know it you'll be making sales. And with each sale your confidence will rise!

And then maybe you can start to look for another program or two to promote...

Asa Williams founder of Gravitational Inc., Writer, Marketer, and Family Man. Get more useful affiliate marketing Tips and Tactics at: http://asa.name/affiliatemarketing/one.html Best Ways To Make Money Now
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How To Win At Punto Banco (Baccarat)

2007-11-07T16:58:00.000-08:00

Punto Banco is a variation of the European Baccarat, played primarily in North America, Canada and Australia. It is also (along with Sic Bo, Pai Gow and Keno) one of the Big Four Chinese gambling games and, as such, can be found in the separate Asian areas of casinos worldwide.

The big difference between Punto Banco and Baccarat is that there is no opportunity for the player to act as banker. But as explained in this article, that makes little difference to the clued-up gambler.

The aim of the game is to predict whose hand, the Banker's (Banco) or the Player's (Punto), will be closer to the value of nine. You can also bet on the possibility of a tie.

The point values of the cards are very simple to follow. All 10s and picture cards have a value of zero, and all other cards (Ace through 9) are worth their face value (Aces are always worth 1). When the total of two or more cards is greater than 10, the point total is reduced by 10. For example if a hand is dealt an 7 and a 5, resulting in a total of 12, 10 is subtracted, leaving a point total of 2 for that hand.

The important point to bear in mind when playing Punto Banco is that winning depends on the hand you bet on, not the hand you play.

If the hand that you bet on wins, you are paid double your bet, unless you bet on a tie. If you bet on a tie, the payout is eight times the amount you bet. If you bet on the Banker's hand, and win, the House charges a 5% commission.

If you bet on a hand, and the hand loses, you lose your bet. If you do not bet on a tie, and the hands tie, your bet is returned to you.

A quick look at the odds in Punto Banco will show where the house has its edge - in the 'Tie' bets. Probability states that this bet will win less frequently, and so the pay- out is correspondingly large, with the aim of tempting the player. However, as with most casino games, the two do not exactly match - the odds of 'Tie' winning are 10.5-1, though the payout is only 8 to 1.

The two main bets (Banker and Player) are similar in that their probabilities are equal, though the payouts and house edge differ.

The Banker bet is considered the safest as the house edge is closest to 1%. In all casino games, the house edge is lower only in some bets on craps. The chances of the Banker bet winning are slightly higher than the Player bet, but bear in mind that if the Banker does win, a 5% commission, called the vigorish, will be deducted from your win. For example, if you bet 200 on the Banker, and win, your take will be 390, not 400 as on a 200 Player bet. Despite this, with such a low house edge, the Banker bet is the safest bet in the long run.

The Player bet has a slightly higher house edge, usually around 1.25%. There also is no vigorish, so nothing is deducted from your winnings. There is a margin here for profit for those wishing to take a slightly bigger risk.

Some players find that betting on the Banker seems somehow unnatural, as though they're betting against themself. This probably comes from playing Blackjack, where the player is always trying to beat the banker.

Remember, in Punto Banco, the winner is the one who predicts the winning hand, not the one who plays it.

Whether you use the Tie bet or not comes down to your gambling style. If you're looking to win big, it has to be considered as an option, so long as the rules of our betting strategy are followed:

limit your losses at the outset - decide how many losing bets you're prepared to make in the session;

quit when you're ahead - when the 'Tie' bet wins, pocket your winnings and switch bets or games.

So my recommended strategy for finding the edge in Punto Banco would be to stick with the Banker bet in the main, but occasionally 'test the water' by playing 4 or 5 bets on Tie, always remembering to stop if you're losing and switch back if you're winning.

Andy Follin is a dedicated leisure gambler and author of http://www.fortunepalace.co.uk, a site which explains the rules, odds and strategies of the Big Four Chinese gambling games Punto Banco, Sic Bo, Keno and Pai Gow.. He is also an ardent believer in que sera, sera whatever will be, WILL be.internet casino
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Molybdenum Expert Predicts Shortages Ahead

2007-11-06T16:41:00.000-08:00

If one believes the forecasts recently made by Terry Adams of UK-based Adams Metals and the Albemarle Corporation (NYSE: ALB), then the escalating demand for molybdenum products could impact the stainless steel business of POSCO (NYSE: PKX). The Korean-based steelmaker, with about 6.5 percent of sales coming from stainless steel, is the worlds fourth or fifth largest, depending upon production or market capitalization.

According to the companys 2006 annual report, POSCO exports more than 70 percent of its steel products across Asia, mainly to China, Japan and southeastern Asia. In response to record high nickel prices, the steelmaker announced it would begin manufacturing nickel-free stainless steels. So did European steelmakers ThyssenKrupp and Outokumpu, which has heavily relied on its austenitic products.

Would a sustained rally in the moly price result in the same backlash nickel recently suffered? Unfortunately for steelmakers, molybdenum has a broader range of applications than nickel.

At a recent industry conference, Terry Adams shocked his audience by warning of potential supply/demand imbalances commencing as early as 2011. He believes by 2015, the molybdenum price could get interesting.?

But, this wasnt the first sign of brewing trouble for molybdenum buyers. In early May, one trader told American Metal Market magazine, We just dont have any supply available.?He lamented that primary moly producers, also known as swing producers, have nothing to sell right now.?

On June 18th, China is expected to announce the export quotas for molybdenum products it has assigned to a limited number of exporters. Potential labor disputes at copper mines in Mexico and Chile could further reduce available molybdenum supply later in June. A Chilean labor spokesman warned of a hard and prolonged strike.?Molybdenum mined as a byproduct of copper production accounts for about 60 percent of the global supply.

At this pace, molybdenum pricing could be severely impacted as early as this summer. By next year, if primary molybdenum production doesnt quickly rise to meet the demand, the pricing climate could worsen for end-users. Some traders believe moly prices could soon creep above previous price peaks two years ago. Things are going to get a lot firmer because theres a lack of material,?one trader reported earlier this week. Theres not a lot on the ground.?

According to different down-the-road forecasts, the magic demand number is 460 million pounds of molybdenum. Adams predicts that projected western world demand could reach this consumption by 2015. Others believe strong moly demand could bring this target consumption a few years earlier.

Another concern is one we highlighted in a previous article.
http://stockinterview.com/News/11082006/Roasting-molybdenum.html USGS molybdenum commodity specialist Michael Magyar warned of a bottleneck, ? we cant roast much more moly right now. No one is actively permitting for more roasting capacity in North America.

Additional roasting capacity is, however, coming online this year or next, courtesy of Molymet. Adams points out, With the growth in demand a new roaster, the size of the new Molymet roaster is needed every two years.?Adams further explained, Without further investment a roaster bottleneck could occur in 2011. Molymet plans another roaster about this time, but this would only allow another two years growth.?

In his presentation, Adams glimpsed in the future. While western world demand should continue to annually increase by three percent, demand in China and the C.I.S. could increase by more than 10 percent every year. The combined global effect would be an annual growth rate of about 4.5 percent,?he predicted. Western mines will have to increase production by at least 6 percent per annum.?

As we and others have concluded, Adams forecast, Increased output at primary (moly) mines will be needed to fill the gap beyond 2009.?

We presume delegates from the junior molybdenum mining attendees mentally began popping champagne corks after Adams announced this point. But it was his next two points which investors should digest:

* New or shuttered primary mines will have to open by 2011
* By 2013, current primary mines and Climax could be at capacity

High-Level Growth in the Molybdenum Chemical Market

Having researched molybdenum for more than one year, only recently did a couple of technical experts ( http://stockinterview.com/News/06042007/molybdenum-copper-nickel-condenser-crossover.html ) help us understand how much molybdenum is utilized in the condenser tubes of nuclear and desalination plants. Because of the diversified applications for this metal, there is less reliable information about the molybdenum sector than in others weve explored, e.g. uranium.

We continue to gather data for our next publication, Investing in the Great Molybdenum Bull Market,?and will present our detailed research in late August.

We have discovered two strong-growth areas for molybdenum applications.

Its not just the steel market which uses molybdenum. Although the stainless and low alloy markets represent about two-thirds of molybdenum usage, the fastest growing market appears to be catalysts in the moly chemical market.

According to a spokesman for the Albemarle Corporation, moly consumption in the catalyst section could grow by more than 30 percent by 2011. The chemical sector could consume as much as 30 million more pounds in the 2006 to 2011 time period.

The global catalyst market is expected to reach US$13 billion in sales this year. Of this the petroleum refining sector should consume about 35 million pounds of molybdenum. The moly is used as a hydroprocessing (HPC) catalyst.

Growing global demand for crude oil, changing fuel specifications and strength in demand for aviation and diesel fuel should contribute to molybdenum demand.

Because the overall quality of crude oil has significantly deteriorated, over the past 25 years, more molybdenum could be consumed as a catalyst during the refinery process. Sulfur content in U.S.-imported oil has doubled over this same time period. Molybdenum-based catalysts are utilized to remove sulfur from petroleum, petrochemicals and coal-derived liquids

Tighter specs over the past 15 years have demanded a higher performing catalyst and more contained molybdenum in those catalysts. Over this time frame, catalyst demand per barrel of crude oil has doubled ?an average growth rate of five percent per year.

One industry expert expects global HPC catalyst growth to annually increase by eight percent between 2006 and 2010. Molybdenum consumption for this use could increase by 46 percent through 2010. Annual consumption could rise to more than 60 million pounds of molybdenum.

Lack of New Primary Mining Supply

The typical molybdenum concentrates being sold by the copper producers, as byproduct mining, contain 40 ?45 percent Mo. Concentrates from primary producers often average 50 ?55 percent.

As a result, primary molybdenum mining operations offer a more desirable concentrate. Technical moly, also known Mo03 (molybdenum trioxide) specifies 57 percent Mo and contains less than 0.05 percent copper and 0.1 percent sulfur. Primary molybdenum producers provide concentrates with lesser amounts of deleterious elements.

Because the concentrate is cleaner,?less roasting is required to upgrade the material to tech oxide spec. Less electricity is expended to power the multi-hearth furnaces during the roasting process. The cleaner primary moly concentrate offers the roaster more flexibility. The higher spec concentrates can be blended with lower spec concentrates to upgrade the overall product, or the roaster can refine the higher spec material separately if the end-user requires it.

The less roasting to bring material up to spec could also help avoid the bottlenecks a few years from now.

Although byproduct molybdenum producers are expected to bear the brunt of increased demand, the copper producers arent cooperating. Codelcos molybdenum production dropped by 25 percent in 2006 to 60 million pounds this past year. Moly production could drop another 15 percent or more this year.

Because of the recent molybdenum price revival, dozens of exploration companies have suddenly?become molybdenum companies. There are scarce few with a potentially viable project.

Those primary molybdenum producers and future producers weve been monitoring appear to be moving their projects forward.

Thompson Creek is Thompson Creek. This has emerged as the primary?primary player in North America while the world waits for Climax to come online again. Some believe the companys Davidson moly deposit in British Columbia may not arrive on the companys timetable. If so, then this could further pressure the moly price.

Roca Mines should become a producer during July. But, this company also hopes to expand its operations deeper and should also commence those exploration efforts this summer. In the interim, the high-grade molybdenum found at the companys MAX mine should become a cash cow in the third and fourth quarters of this year. And for several years forward. Although the company is not yet in production, there appears to be no scarcity of molybdenum traders clamoring for the companys future production. Another indication of a tight market.

Last month, Adanac Molybdenum Corp ordered its long-lead time equipment for the construction of its mining and milling complex at Ruby Creek. Expenditures totaled nearly C$40 million, for which the company has made its down payments. Also, some time this summer, Adanac should finally receive its permits and commence construction. While the company boasts of 220 million pounds of molybdenum, a recent chat with Adanac consultant Ken Reser suggests Ruby Creek have more pounds than was previously thought. Ongoing drilling results could later confirm this speculation.

We continue to watch United Bolero as a promising development company in Montana. We were told drilling at Bald Butte began over the weekend to upgrade the resource category. Hopefully, the drilling program will also move to its nearby Cannivan Gulch property. Historically, but not technically documented, major miners, who worked these properties in the previous moly cycle, estimated the companys properties could host more than 400 million pounds of molybdenum.

Primary producers, such as these and possibly others, is what molybdenum end-users are depending upon to meet their needs as we approach 2009, 2010 and beyond.

Over the course of this summer, well further study other potential near-term producers, such as Moly Mines and others.

Conclusion

Many in the industry have warned us about the potential increase of moly dumping?by the Chinese. Historically, China has helped chill out molybdenum prices in the past. According to Adams, as noted earlier in this article, China could become less of a factor.

Fundamentally, this should not be a concern. Typically, a country is indirectly focused on the background of its leading politician. In Chinas case, the eight members of the Politburo Standing Committee ?Chinas most powerful politicians ?are all engineers. All are graduates of engineering or technology schools.

Chinas president was trained as a hydraulics engineer. The premier is a geologist, who also has a degree as a mining engineer. The former vice-premier was trained as an electrical engineer, as was the propaganda?chief. The Secretary of Political and Legislative Affairs was trained as a metallurgist. Others hold degrees in thermal engineering, radio electronics or electronic motor design.

Engineers like to build things. China has embarked on the greatest industrialization period in history, dwarfing the construction of infrastructure of the late 19th century in Europe and North America. Because molybdenums applications include architecture, energy, petroleum refinement, coal conversion, chemicals and other industrial applications, we would not be surprised if China soon announces the strategic?importance of molybdenum (as it has uranium) and stops all exports.

Molybdenum also plays a strong role in numerous and diverse military applications. Globally, military spending reached $1.2 trillion last year. In 2006, China surpassed Japan as the largest military spender in Asia. The U.S. Pentagon estimates China could be spending up to US$125 billion this year. At least ten varieties of ballistic missiles are deployed or in development. Our preliminary research into this subject confirms the large percentage amount of molybdenum utilized in missiles. In some applications, the moly content is greater than 20 percent.

In summary, every time we delve into a new area to investigate demand for the molybdenum application, we find growth. Strong demand could surprise many stock and industry analysts over the next decade. In the meanwhile, more primary molybdenum producers need to come forward. Unlike some, we dont believe the molybdenum story has yet been fully revealed. This summer, we hope to make the molybdenum market more transparent ?both on the demand side and the supply side.

COPYRIGHT © 2007 by http://StockInterview.com

James Finch contributes to http://StockInterview.com and other publications. He has contributed to the widely popular Investing in the Great Uranium Bull Market,?and Uranium Outlook 2007 - 2008.?His recent work, Investing in Chinas Energy Crisis,?is now available at http://bookstore.stockinterview.com/make money working online
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The Magic Move to Being in Business

2007-11-03T16:16:00.000-07:00

Lots of entrepreneurs that I speak to spend a lot of time "being busy." They're attending meetings, answering emails and a ton of activity that fills up their schedule. They have great ideas in the middle of it all, but are so overwhelmed they fall into "productivity paralysis" and are just plain perplexed about how to really get to that next level. There's a magic move to being productive and profitable in business that no one is talking about.

Before we get to the "Magic Move," we have to first acknowledge that as an Entrepreneur you should always be striving to work on your business rather than just in your business. You open up the energy around this by setting up systems. This approach allows you to be set up for growth and actually implement all those fabulous ideas you have. For example, if you're an acupuncturist instead of only treating patients all day you can explore ways to treat and reach more people at once-leveraging your time and your income. Strong systems in your business operations will create that space. I have entrepreneurs I coach who either set up or strengthen their systems as a must. For the sake of this article, we accept that as a given. Now, step into the magic move-the one that has you in joy with everything you're doing, rather than just trying to catch your breath and stay one step ahead (or filing you your time with "stuff" because you secretly feel lost about what to do next).

Often, I've found that even when you have the tightest of systems, you can find yourself feeling like something is missing. Your energy is a bit blah and you don't feel jazzed to create. Even though the systems are crankin', you feel stuck. Just about every time I hear this from an entrepreneur, I know the magic move is missing; there isn't anywhere in the systems that allows for time to just be. Incorporating this move makes all the difference in the world and it's the one that is most resisted (including myself at times). Interesting, right?

Let's get clear about exactly what I mean by "time to just be." I'm not talking about time to watch TV or be with family and friends-although this is important and should be part of your systems, too. I'm talking about time to really connect to that part of yourself which is a direct connection to divine, inspired action. These are the ideas, solutions, and "how tos" that cannot be conceived of, created, or tapped into when you are busy "doing" and "going 24-7." And it's the powerful, magic move that no one in business is talking about. Frankly, I believe it's because they're scared to.

Traditional business doesn't operate from a place of stillness. The battle cry is, "if you're not in motion, you're losing money!" Meanwhile, money is being left on the table everywhere because folks are rushing by and too busy to see it. Even all the latest buzz about the Law of Attraction is filled with insistence to, "use this tool, this exercise, this strategy." Be sure to understand, these are very helpful, but the point of them is often lost; to bring us to that deep place of knowing that comes from being able to be.

Every time I've coached a client around this magic move more money has appeared. I have one client who just created $4,500 in a half day. The inspiration to pursue this means would never have appeared had she just still been going, going, going. It works.

Call To Action:

Start by scheduling some "be" time. Just take it and see what happens.

Write down anything that comes to you.

Let it go and then return to it a week later. Mark what that experience is like (you might be surprised what happened in the week between!).

Heather Dominick, Solo-Entrepreneur Expert, has over 10 years of teaching and coaching experience. Heathers primary focus is in coaching entrepreneurs to identify sources for increasing business profit and making successful business changes. To sign up to receive your free business building e-course visit http://www.energyrichcoach.com Any Free Make Money Online Ways Without
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Social Bookmarking: What's The Big Deal?

2007-11-02T16:10:00.000-07:00

Although social bookmarking might be something you've only just come across, it has in fact been around for a few years. It's certainly getting more popular every day, and has taken off in a big way very recently. If you're involved in Internet marketing, it's also a great way to help generate traffic and page rank to your site. So the sooner you learn about it, the quicker your Internet business can benefit.

Put simply, social bookmarking is simply a way of saving your favorite URLs online. You probably already have a "Favorites" folder on your computer. Well, social bookmarking is just an online version of that. The main difference is that your social bookmarking favorites are publicly available for anyone to see. So, the big question is - how can this benefit your business?

If you do a Google search you'll soon come up with a list of the most popular social bookmarking websites. Take a look at http://del.icio.us, which is one of the most popular. All you need to do, once you've joined the social bookmarking site, is to start adding your URLs. With each URL you also add a list of tags, or keywords, so that people know what that URL is all about. So if you've bookmarked a site about dogs, for example, then make sure you use the word "dogs" as one of the tags.

You can also choose whether to make the listing public or private. Use a public listing if it's a website you want other people to find, such as your own website. A public listing will also show other information such as who created the bookmark, when, and give an indication of how popular that particular keyword is on the site. But you can use the private setting for other URLs that you know you will want to access while you're traveling around, and don't have access to your home computer.

In some ways, then, a social bookmarking site is like a search engine, except that it only searches entries on its database. But the good part about that is that only sites that other people recommend will be listed. It's easy to find a list of sites on any topic you might be interested in. Type in dogs, for example, and you'll see sites that other people have recommended.

For Internet marketing purposes, then, you would add your website to you social bookmarking account, pick your main keywords and use them as tags, and potentially generate traffic to your site. Another idea would be to have a link to your social bookmarking account from your blog page, so that people can see a frequently updated list of your recommended websites about that topic. You also get a backlink from the social bookmarking site to your website, which helps to boost your popularity in the eyes of the search engines.

For optimal results, you should open as many accounts on different social bookmarking sites as you can. The only problem is that posting your website to these accounts can be come very tedious. Especially if you have a large number of websites or if you are adding the bookmark to a large number of accounts.

Recently a new Wordpress plugin has been released to eliminate some of this tedious work. It can automatically add bookmarks to all of your bookmarking accounts hands free. It is a great time saving tool that I highly recommend to anyone who wants to take advantage of social bookmarking without spending hours bookmarking their pages manually. Check it out here http://www.autosocialposter.com

Social bookmarking is only in its infancy, and will probably develop in ways that nobody has even imagined yet. In the meantime, there's no doubt it's a great way to get traffic to your websites, so what are you waiting for?

Online marketer Jennifer Green has fast become an expert on the benefits of blogging and social bookmarking. If you are looking for an automated bookmarking solution for your blogs, check out http://www.autosocialposter.com.Merrill Likely To Dump Ceo Over Massive Losses The
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The Duty of Disclosure

2007-11-01T16:06:00.000-07:00

The duty is on the insured to disclosure any material fact to the insurer. Basically the insured should know their own details. The life insurance insurer who may know nothing about the insured to begin with can not be expected to ask all the relevant questions. So whilst the insurer should ask sensible questions it is under UK law still incumbent of the insured to advise a material fact.

A material fact is basically any fact which may make an insurer charge more or less premium or a fact which may make the insurer decline or accept the risk or only take the risk subject to additional conditions.

As an insured you can not hide a material fact simply because the insurer did not ask the right question.

So initially the onus is on you to provide all relevant information. However the law is also there to protect you as well. There have been several agreements between the major life insurance insurers and governing bodies and trade associations whereby insurers are required to point out your obligations to advise material facts. Insurers are expected to ask questions about those matters which have commonly proved to be material.

Generally courts would not expect you to disclose a fact which on the face of it would not be considered material on its own. There was a case where a person was having occasional headaches but thought they were just that and did not attribute anything else to the matter. Now an experienced doctor may consider the headaches as perhaps the possible on set of symptoms of a more serious nature and therefore request further investigation. But in that particular case the court held that the insured had no reason to believe the worse. He had no reason to believe that these headaches might be a material fact instead he thought that they were just an occasional headache. The court held that a reasonable man would not be expected to know that the occasional headache might be material. So the insured knew of the fact but would not have been expected to know that it was material.

The courts however considered that an insured whose doctor had sent him to the hospital for a kidney problem should have advised his insurer even if the insured was not aware how serious the situation might have been at the time. The question of materiality was not based on the insureds ability to judge if the fact was material but on that of the life insurance insurer who had access to professional advice. In this case the insured knew of the fact and we assume also considered that it might be material, but decided to use his judgment on whether or not it was material. Another court case determined that the information is based on the insureds knowledge and does not require him to make extensive investigation before answering the question.

The duty of disclosure continues until the contract of insurance is concluded. So information that you learn about whilst the proposal form is still being considered should be advised.

So as a general rule advise all details which could be material. It is not your job to decide what might or might not be material. If you learn of something late in the day before the contract is concluded then still advise it. If you do not then the risk is that the policy may not be valid and if a claim was presented it may not get paid.

The author is Keith Clark who acts as a compliance consultant for Free to Work Consultancy. Keith is a Fellow of the Charted Insurance Institute.

This article was written on the 15th February 2007. This article does not represent financial advice as each persons individual requirements will be unique to their needs. If there is something in the article which you which to rely on then please check those details with any person from whom you purchase a term life policy at the time of purchase. The views in this article represent those of the author and not those of Netbasic Limited.

Luke Ashworth is the founder of Protected.co.uk which helps you search for life insurance via the website http://www.protected.co.uk Easy Make Big Money
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Liposuction - What You Should Know

2007-10-30T19:11:00.000-07:00

If you're thinking that liposuction is a great way to lose weight, forget about it. Liposuction isn't about weight loss at all. It's all about sculpturing and contouring the body to remove excess fat deposits that aren't willing to go away with diet and exercise no matter how hard you try. It's about looking good in that swimsuit AFTER you've lost all the weight that you're going to lose.

Women love liposuction, but men dabble in it too. Women tend to have it done on their abdomen, thighs, knees, hips, chin or neck while men usually treat their neck, chest, abdomen, and "love handles."

In all but a very few isolated instances liposuction is strictly cosmetic which means your insurance company won't be footing the bill for your new belly or butt. Your insurance company MAY get involved, however, if your treatment is prescribed for certain medical conditions including enlarged male breasts in men and certain fat deposits, such as "buffalo hump" which is caused by a hormone imbalance.

Liposuction is a procedure whereby fatty tissue is literally sucked from under the skin using a hollow wand which is attached to a suction device. Local anesthetics and other compounds including saline, and epinephrine are administered to control swelling and bleeding.

Once the patient is prepared the doctor inserts the wand, called a "cannula" through small incisions which are made in the skin. They push and pull the wand through the fatty cells causing them to break up and to be suctioned off along with other body fluids. That's about as complicated as liposuction gets from the actual procedural point of view.

There are several different types of liposuction procedures in use. Each procedure is based upon the amount of fluid which is (or isn't) injected during the procedure. "Dry Liposuction" uses no fluid and is rapidly falling from favor. Next is "wet" where the doctor injects six to eight ounces of ephinephrine, and "superwet" which uses the most fluid. Basically, the more fluid that is injected during the procedure, the less blood that is lost.

While the liposuction procedure is relatively safe when performed by a Cosmetic or Plastic Surgeon, it is not without its risks and side effects up to, and including, death in very rare instances (about 20 out of 100,000). Infections have been reported in some cases as well as "seroma" which is a pooling or oozing of body fluid.

Swelling, bruising and locally painful areas are almost a guaranteed side effect of liposuction and you can expect to lose a week or more from work during recovery. In almost all instances the procedure is performed on an outpatient basis and you'll be home the same day.

An unexpected side effect of liposuction is that the fat can return and, often times, it returns to a different area from where it was removed. This is believed to be caused by drops in leptin levels. Leptin is a hormone that is made in fat. When the levels drop it signals the body to take in more food so that it can increase its fat levels to what it "thinks" is normal. This condition is most likely to occur in people who were overweight to begin with yet still sought liposuction as a hopeful "cure".

Any doctor can perform liposuction with as little as 30 minutes "training" on the equipment. However, since there is so much at stake, and the health risks are real, you should only consider treatment by a Board Certified Plastic Surgeon or Board Certified Cosmetic Surgeon who has additional specialized training in liposuction.

Mike Jones is a writer and webmaster with over 10 years experience. Check out his Plastic Surgery Research Library here: http://www.bodyfaq.com/plastic-surgery-library Credit Easy Make Money Ways
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Petition Marketing- The Next Big Viral Marketing Phenomenon

2007-10-28T17:08:00.001-07:00

The most powerful form of internet marketing these days is viral marketing. Essentially, viral marketing is word of mouth?advertising on steroids. With viral marketing, visitors and/or members of a website are given not only an incentive to pass on the site's marketing message, but in the best cases they are also given the tools that make it easy to spread the word.

The internet marketing world has recently learned about a big viral marketing phenomenon, known as Petition Marketing. Petition Marketing uses one of the most powerful viral marketing concepts ever developed. It takes petitions, which are already pretty powerful viral marketing tool in and of themselves, and combines them with a complete viral marketing system to achieve results that have never been seen before.

Petition Marketing provides marketers, as well as anyone with the desire to create a petition, with both the strategy and the tools to turn any given petition into a viral money making machine. Petition marketing combines your petition with our powerful viral marketing system, allowing you to take advantage of the next big viral marketing phenomenon.

Allow me to let you in on a secret....

Petitions, like any other webpage or blog page, can be monetized in such a way that they instantly become viral money making machines!

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