Online replica watches

You can find Rolex replica watches and of course the best selling Rolex models: DateJust, DayDate, Submariner, Yacht-Master, Daytona, GMT-Master, Explorer, and Chronographer. Global Rolex replicas are the best fake Rolex watches on the market. All Sale Prices Are Applied In The Shopping Cart. Right now you can buy any 2 or 4 watches and save big. It's always a perfect gift - Any time of year. You can find Rolex replica watches and of course the best selling Rolex models: DateJust, DayDate, Submariner, Yacht-Master, Daytona, GMT-Master, Explorer, and Chronographer. Global Rolex replicas are the best fake Rolex watches on the market.

Roll up style tonneau covers a buying guide

: Roll-up tonneau covers have been around for years. You’ve see them on plenty of trucks. Maybe you like the look of them, maybe you don’t. Either way, they’re worth every penny. Let’s go over why. Cost First and foremost, they are inexpensive. While a hard shell tonneau cover can sell for well over a thousand dollars, you can pick up most soft, roll-up style tonneau covers for just a few hundred dollars. Shipping And speaking of expense, don’t forget about shipping. While many large items have to be shipped through a freight service (body kits, Fiberglass tonneau covers, hoods), your typical roll-up style, soft tonneau cover (due to its compact profile) fits in quite a small box and will ship through standard ground shipping service. And unlike larger, bulkier items, they can be expedited if need be. Installation Installation is easy too. Most, if not all roll-up style, soft bed covers install with no tools. They have easy-to-read, detailed step-by-step instructions that include photos and helpful tips on caring for your new cover. No friends? No worries. These soft tonneau covers can usually be installed piece-by-piece onto your bed without anyone’s assistance. There’s nothing bulky or unwieldy to hold onto. They really are quite simple to set up with most models installing in less than 30 minutes. Security Let’s not forget about the protection factor here. The bed of your truck is for carrying cargo and other goodies and you don’t want your goods getting rained on, or worse, stolen. Roll-up tonneau covers offer convenience unparalleled by other covers. They can be rolled up, out of the way when loading cargo, and rolled back down when loading is done. Also, when you’ve got larger items to transport in the back of your truck, the convenience of being able to just “roll” the cover out of the way is phenomenal. Just try bringing home that new refrigerator if you have anything but a roll-up tonneau on your bed. Performance Last but not least is the performance aspect of a roll-up tonneau cover. In today’s economy and market, gas mileage (or lack thereof) is big news. If you install a tonneau cover on your bed, whether it be a soft tonneau cover, a hard bed cover, or any truck bed cover in between, you will see a marked increase in gas mileage. And don’t think for a second that lowering your tailgate actually helps with gas mileage, it doesn’t. The only thing that will really, truly help is to cover up that huge black hole of a bed with a nice, quality tonneau cover. The air comes over your hood and cab and then flows smoothly off the back of your truck for other people to deal with. You’ve got better things to worry about. Like what to buy next… For more information, please visit stylinconcepts.

Getting a cheap used car

When it comes to getting a cheap used car there is no better place to start looking than online. The internet holds a huge amount of resources when it comes to anything and everything you should know about getting a good quality used car and which can make all the difference to you making a great choice or buying an old banger. In order to make a good choice when it comes to getting a bargain you will of course have to do a little research before paying out your hard earned cash, of course you will first have to choose the make and model of the car and get a good idea of the average prices that are being asked for a second hand model. Once you have decided this then you can make a start on your search, there are many choices when it comes to getting a cheap used car online. One of the first places you can start looking is by conducting a search using one of the popular search engines, this will lead you to many online auctions, used car dealer sites, car brokers, private ads and listings. One of the best ways of getting a cheap used car is to buy from an online car auction, by going this way you can sometimes you can get a great bargain which is often far below the trade-in value. However this is only really suitable if you aren’t looking for a particular make and model, if you do have something in mind then it is still possible to get it but it might take several trips. However one of the most popular choices for getting a cheap used car is by looking through the many websites that have listings by owners who want to sell them. This is an excellent way to purchase an exact model and make, if you have a particular model in mind then you simply type it into the search option and any matches are presented to you. Whichever way you choose to go when it comes to getting a cheap used car you will have to bear some things in mind. Whichever car you choose to go for, you should do all you can to make sure that you know something about the car, for example the sound of the engine, what to look for in the bodywork and where to look for rust spots? If you are unsure then take someone with you who know about cars and has preferably had experience when it comes to getting a cheap used car.

Lucy saves the day

Lucy had been sitting near the door in the conservatory for two hours, yelling. Her boy had recently modified his behaviour a lot. He was temperamental and uncommunicative, shouting, at her for no motive and complaining about her shopping, her dress sense and pretty much everything about her. She felt fed-up. They had been so joyful for two years – a whirlwind love had led to live together and they lived every day as if it was the first time they had loved each other together. The ardour was endless – all her contacts were jealous, they joked that Lucy and Gavin belonged in a Mills and Boon soppy romance narrative. But it was not a novel, they were deliriously happy and just couldn’t adore each other, until a few months ago Gavin had had a problem at work, damaging his back, and it seemed, his personality. He didn’t want to caress, and showed no interest in sex at all. She even started to believe that he was having a passionate story with a nurse at the hospital, he spent so much time in his rehabilitation treatmentit had to be true. she asked the nurse who didn’t know what she was asking for, and even offered to be understanding with Lucy. “Often boys who are suffering from impotence as a result of this kind of accident can be intolerable,” she said. Lucy was stunned and the nurse clapped her hand over her mouth, “Oh my God! I thought you knew and that you were just calling my bluff with the affair accusation” she objected. She was so preoccupied that she would be lose her job that Lucy ended up consoling her and promising not to tell how she had found out. At last she discovered the whole matter; Gavin was just keeping occult his erectile dysfunction with fury. On the other hand, knowing what the problem was wouldn’t aid to get a cure, and she felt so sad at the idea of no more sex and romance. The young nurse told her about a drug called generic Viagra that may help and she hunted online how it might improve impotence and discovered generic Cialis, which seemed to have long-lasting effect as it lasted for 36 hours! This was more like it – they often had weekend dates where they didn’t leave the bedroom. She designed a planIt should be a secret or the game would be up so she decided that the time for principles had passed and that she would simply drug him with generic Cialis and then spill the beans, when he couldn’t storm off in humiliation and, also when his curiosity and excitement may take over. It was dangerous, but anything was better than this irritable husband she lived with. She deceived him by saying that they had been invited to a family meeting and had to reserve a room into a hotel as there was no space in her brother’s flat – luckily he still hadn’t met all of her family so it was plausible. He decided to go, reluctantly and, when they arrived, even accepted that the setting was nice. They had some luxurious food before leaving for the festivity (even though Lucy didn’t plan on leaving the hotel at all!). She ordered all his favourite food and when he was looking away, slipped the pill into his food. He was guzzling, drinking, swallowing some water, eating some bread added that it tasted quite strange. she could tell that the aphrodisiac food music and setting were having a outcome on him; he was visibly romantic and starting to look at her in the old twinkly-eyed way. Finally, he confessed to her what had been wrong for all these months and said that, if she was eager to try, he had got some generic Viagra in their room. Lucy grinned, and couldn’t stop. ” she said. And the hotel staff didn’t see them until Monday evening!

Cure bone cancer alternative treatment

A center which works to save the life and limb. Fight cancer with a smile. Get strength with positive attitude. Bone cancer is the rare illness that causes in children more than the adults. What we now know is that we are all deficient in dietary glyconutrients today, thus opening us up to this disease, and others. We are thrusting aside our health and in this way how we are paying with the entry of new diseases in our body. The human body is made of more than 200 bones. The bones support the body and protect organs such as the heart and lungs. Bones are made of cells called osteocytes, which are bound together by a calcium-like material to give the bone strength. Bones are filled with a spongy material called bone marrow. Bone marrow makes blood cells. The bones in the body serve several purposes. They support and protect internal organs (for example, the skull protects the brain and the ribs protect the lungs). Muscles pull against the bones to make the body move. Bone marrow makes and stores blood cells. Bone cancer can be a primary cancer (starts in the bone) or a secondary cancer (starts in another part of the body and spreads to the bone). Primary bone cancer, or cancer that starts in the bone, is quite rare. The cancer that begins in the bone is called primary bone cancer. It is found most often in the arms and legs, but it can occur in any bone in the body. Less than one per cent of people with bone cancer have primary bone cancer. The most common type of primary bone cancer is osteosarcoma. Children and young people are more likely than adults to have bone cancer. The causes of primary bone cancer are not known; however, adults who have Paget's disease (a bone disease) may have an increased risk. Secondary bone cancer is the most common bone cancer. It is a cancer that starts somewhere else in the body and spreads (metastasises) to the bone. The most common cancers that spread to the bone are cancers of the breast, prostate, lung, kidney and thyroid. Cancers that begin in the bone are quite rare. On the other hand, it is not unusual for cancers to spread to the bones from other parts of the body. When this happens, the disease is not called bone cancer. Each type of cancer is named for the organ or the tissue in which it begins. Cancer that spreads is the same disease and has the same name as the original cancer. Treatment for cancer that has spread to the bones depends on where the cancer started and the extent of the spread Pain is the most common symptom of bone cancer. However, symptoms may vary depending on the location and size of the cancer. Tumors that occur in or near joints may cause swelling or tenderness in the affected area. Bone cancer can also interfere with normal movements and can weaken the bones, occasionally leading to a fracture. Other symptoms may include fatigue, fever, weight loss, and anemia. None of these symptoms is a sure sign of cancer. They may also be caused by other, less serious conditions. It is important to check with a doctor. The signs and symptoms of bone cancer include: * Painful bones and joints * Increased pain at night * Swelling of bones and joints * Susceptibility to fractures * Unexplained weight loss * Unexplained tiredness. Patients may present with persistent pain, swelling, or tenderness of a bone. They may have unexplained fracture of one or more bones, sometimes without noticeable trauma. Each one of us is in our day to day life is exposed to innumerable cancer-causing agents. It has been reputed that approximately 70 to 80 percent of all cancers occur as a result of the food we eat, the air we breathe and the water we drink, as well as lifestyle and environmental factors. Roughly to say one third of deaths from cancer are related to dietary factors. Our bodies have natural defense mechanisms to battle these ‘agents’, but in many cases, because of neglecting proper nutrition and exercise, and abusing our bodies by loading them with even more harmful agents, then these defenses are weakened or overwhelmed, and cancer begins to gain a foothold in the body. So if we need to come out of it then we have to take of our health which is the basic treatment to any disease. A number of factors are considered to decide on the best treatment for bone cancer. Among these are the type, location, size, and extent of the tumor as well as the patient's age and general health. A treatment plan is tailored to fit each patient's needs. One last consideration to take note of is that any cancer is more easily defeated if caught in its early stages. Therefore it is very important to have regular medical check-ups, even if we are feeling fine. Then too, learn what are the telltale symptoms for the various cancers, and at the first evidence of anything suspicious, get it checked out by your doctor.

The beauty of simple crochet

Many people, when hearing the word crochet, instantly conjure the image of an elderly woman sitting in a chair, crochet hook held firmly in arthritic fingers as she concocts another table doily. Many older women do seem to have an innate ability to crochet, simply because it was a tradition handed down from generation to generation. And while most families do not pass along the art of crochet much anymore, there is still merit in this peaceful, beautiful activity. Today, simple crochet patterns are a part of any number of designs. From home dйcor to today’s fashion, the addition of simple crochet – either as the complete design or as a supplemental touch – can make an item truly unique. Its delicate look makes simple crochet appropriate for any number of designs; which is why you can find it on everything from tablecloths to dresses and purses. As the eye of the world continues to look towards Hollywood to see what the young, rich, and famous are wearing, we find the resurgence of simple crochet as a fashion statement. Suddenly simple crochet patterns are hitting the red carpet at movie premiers and awards shows as movie stars make their fashion statements with these classic designs. Back in the real world, where the latest and best designers are not at our fingertips, we can still purchase a variety of items that feature simple crochet. A lovely evening bag made from simple crochet can add an elegant touch to any night out. Or, any number of clothing designs – both formal and casual – can be found featuring simple crochet. For those who want to learn the art of simple crochet, you need go no further than your local craft store. There you can find all the instructional materials you need, as well as the physical materials you will need such as yarn and hook. In many cases, you can even find a schedule of classes where experts in simple crochet can teach you the basics. Learning simple crochet will benefit you in so many ways. Not only will you be rewarded with a lifelong hobby and skill. But you’ll be able to make any number of creations only limited by your imagination. From household touches to beautiful gifts, simple crochet makes the ordinary, extraordinary.

Starting a telephone answering service

Our research has turned up hundreds of husband and wife entrepreneurs who, beginning with just a couple of thousand dollars in borrowed funds, and a lot of ambition are grossing $250,000 or more after a couple of years in business. The exciting part is that the door is wide open for you to do the same! The demand for telephone answering services is growing!!! The advent of electronic answering devices in not even beginning to slow this demand! A great many people are completely "turned off" by the frustration of expecting to talk with a "live person," and having to listen to a recording that advises the caller to leave a message at the sound of the tone. Exasperation of this kind can sometimes cost a business person thousands of dollars in lost profit. Realizing this, today's successful business person wants the personal touch of a friendly, professional "secretary" answering their phones for them. The professional answering service operator can pass along the proper messages to the different callers, take messages, get clarifications and even set up meetings with special customers. In many instances, businessmen come to thick of the operators at their telephone answering service as vital to their success, and often reward them them with special favors or bonuses when a particularly lucrative deal is closed because of courteous and efficient service by the people at the answering service. To get started properly, you'll need an initial investment of about $10,000 for equipment and facilities, plus working capital. In the beginning, with a 2 person operation, you can have your operator selling by phone while you make in-person sales calls. You might also want to add a couple of "hungry" commission sales people to help line up a good list of accounts as fast as possible. These efforts will take planning and coordination because you won't want two different sales people calling on the same prospect. You can begin operating out of a spare bedroom or your garage--you'll need a leased switchboard from the telephone company--with plans to move your operation into more formal quarters at a later date. However, it's quite expensive and time-consuming to have a switchboard moved once it's been installed. Our suggestion would be to locate a "beginning" small office, and plan on being there at least 5 years from the start. Many operations begin in a small 200 to 300 square feet economy office location, and as their growth warrants, open a second location with space for eventual expansion to include 3 or more switchboards. Our research has found that you'll need an average of 85 regular customers per switchboard in order to realize a minimum profit after expenses. Just about anyone with a business card will be a good prospect for your services. People working out of their homes are a very good prospects, especially those holding down regular jobs while moonlighting with a part-time businesses of their own. Every salesmen is a prospect, people who work on a 24 hour "on-call" basis, repair service business owners such as plumers, electricians, locksmiths, and auto mechanics...There are other kinds of services that will be interested too, such as ambulance companies, towing services, volunteer fire departments, survey organizations, and customer complaint departments of virtually every business in your area..By all means don't forget the doctors, dentists and other professionals! A lot of beginners start by providing service only for these intermittent users. These people "put out the word" that if they can't be reached at their regular number after 4 or 5 rings, the caller should dial the number of the answering service. The answering service, which in this case is just a housewife answering her home phone, takes the caller's message and either relays it to the customer or holds it until he checks in with her. Very simple, very easy and very profitable! Usually after such a "shoestring" operation has 15 to 20 customers. it's necessary to install a phone with multiple incoming lines. The cost and questions of the phone company can be allayed by purchasing your own telephone and explaining that your have several teenagers in the family. However, once you have 35 to 50 customers it's time to expand into a commercial operation complete with switchboard and hired operators. The average rates to charge for your service should be about $35 per month for a specified number of calls--usually 70 to 75--with a surcharge of 25 cents for each call beyond that number. Other calls such as "wake-up" and reminder calls for appointments, are usually billed on a "per call" basis at about 50 cents per call. Most telephone answering services provide a variety of other services to keep their operators busy during the times when there are no incoming calls. These services range form typing, envelope addressing, computer input services, envelope stuffing, subscription soliciting and order fulfillment for mail order operators to reviewing books for publishing agents. In recent years, some have even included private post office, mail drop and forwarding services. The important thing is to keep your operators busy doing some kind of work that makes money for you. When you decide to lease an office get going, complete with switchboard--it's important that you try to get as close to the telephone company's switching or exchange station as possible. This is due to the mileage charges it'll cost you for landlines. Remember too that each exchange station handles prefixes limited to customers within a certain radius of that station. What all of this means is that if most of the businesses in your area have a 234 and 345 prefix, you'll want to locate your answering services offices as close to the station serving these prefixes as possible. Basic installation and set-up of one switchboard will cost you close to $4,000... Generally, a metro population of 35,000 people will support a telephone answering service hoping for $50,000 per year; 75,000 to 80,000 people will be needed for $100,000 and $150,000 people for $200,000 per year or more. For more help and further information, it would be wise to contact the Associated Telephone Answering Exchange, Inc. This organization the industry's watchdog group can up-date you on current practices and trends. Meanwhile, in setting up your own facilities keep your costs in line with a realistic view of your anticipated first year income. It should't be too difficult to find low-cost rental space in an older building not far from the telephone company's exchange building - the telephone company is usually just as reluctant to pay high rent as you are..Locating in an older, less than "beautiful" building should not detract from your business because few of your customers will ever actually see your offices. Most will sign up for your services either thru your in-person sales calls on them, or your telephone soliciting efforts, and send their payments in by mail. You'll need 125 square feet of space for each a small reception area which can also double as a rest area for your operators and general office area for bookkeeping, billing and other administrative functions. Be sure there are convenient restroom facilities as well. Before installation of your first switchboard, the phone company will require an inspection of your office, mainly to determine if the floor is strong enough to support the weight of the switchboard. Save yourself a lot of frustration by explaining this to the real estate agents or the building managers before they start showing you what's available. The best thing is to ask for certified copies of the original building blueprints or previous inspection reports, and have these in hand when you contact the phone company. Once you're ready to go, consider the attitudes and feelings of the people who'll be working long hours on the switchboards for you--invest in some cherry paint for the walls, non-glare lighting, carpeting for the floors and a few wall prints, pictures or other decorations. Look around for good used office furniture and buy or lease only what is absolutely essential. A pocket calculator and a used manual typewriter will work fine until you get the business running on a dependably profitable. When you order your first switchboard, listen to the telephone company's instruction, read the operating manual and attend their training sessions. The more you know about the equipment, the easier it's going to be to operate it, and the more you'll understand your profit potentials. The traditional telephone company switchboard is known as the model 557 or TAS-100. This board handles 100 incoming secretarial lines and 15 office trunk lines, with this board, you have the capabilities of receiving incoming calls and making outgoing calls at the same time. You also have a business answering line which can be used as your number for customers wanting to use your number as their business number and/or for special events such as a special number for survey replies or telephone orders such as advertised on television for one-time-only sales promotions. Even though you have the capabilities of 100 incoming lines, you shouldn't activate more than 5 or 10 more than your actual customer list. As you add to your customer list, it's then a simple matter for the phone company to activate or "tie-in" according to your needs. Your rental lease payments to the phone company for equipment includes maintenance, so whenever you have a problem or something isn't working properly to suit your needs, call and ask the phone company to send a repairmen. Some of the extras you can get with your board includes a "secrecy" switch. This feature prevents an operator from listening in if a customer has already picked up his phone and answered the call, but it does not prevent the customer from picking up his phone after the operator has answered. The customer could by request the operator to hang up and conduct whatever conversation he wants with the caller. Another feature is the "position-splitting" key. This involves plugging in a second headset and simply turning the key to enable two operators to work the same board during an especially busy period. When your customers want to call to check with you for any messages, you can have them call their own number if they're calling from a different number, or pre-designated trunk line. Most answering service owners equipment works both ways until they decide upon the system that works best for them. Whichever method is finally chosen should be decided upon with the efficiency of the operators in mind. In addition to your switchboard, you should install a time clock and message racks. These are ideally located above or on top of your switchboard. The operator the takes the call, jots down the message, punches the time clock and quickly slips it into the customer's message box. When the customer calls in for his messages the operator retrieves the messages from his message box, reads them to him, again punches the time clock with each message slip, and drops them into a "dead message" box. You should keep these message slips for totalling at billing time, so it's a good idea to have each operator file them in your customer folders as they finish their shifts on the board. retention of these message slips for at least 30 days is not required, but it is a good policy to practice. You may find a customer will want to check on a message received or double-check his billing against your records. Basically your message rack can be either pigeon hole compartments in a wooden box designed and built to fit your space, or a lazy Susan clips similar to what restaurants use for fast food orders. At any rate, you shouldn't have any problem in finding what you need on the open market. It isn't necessary that you have specially designed or printed message slips, but you should have a plentiful supply available and within easy access to your operators. Simple 4 x 5 inch pads should be all you'll need, and if you'll check with your local quick print shops, you'll find most of them willing to make a thousand or so pads of 50 to 100 pages each, from scrap paper, for almost next to nothing. Another essential to plan on--buy in wholesale lots and keep handy for your operators--is pens. It may be exasperating until the business is on a sound profitability basis, but in a busy month, one operator can easily go thru 100 or more pens. Don't fight the how's and why's just charge it up as a business expense and order more pens. You'll need some form of maintaining basic customer information such as address, name and number to contact during an emergency and any special answering instructions. For this, simply go with 3 x 5 or 4 x 5 index cards and place them in each customer's message slot for easy operator reference. Many services have these cards laminated in plastic to prevent them from getting dirty or deteriorating with constant use. Efficiency is the name of the road leading to profits in any small business, so when you begin one switchboard, make sure you have that position-splitting key, and that you balance the board. In other words, don't put all of your similar customers--such as plumers, electricians and doctors on one side of the board. Instead, divide them across your board--half on them on one side and half on the other side. This will enable you to put two operators on that board in times of emergency. Your customer lines must be distributed according to usage across the board for maximum efficiency of your operation. Each time a customer "signs" for your services you should have him sign a simple contract that specifies the name and address of the firm to be billed for the service, and typed name as well as signature of the person authorizing the service. There should also be space on this contract for alternate phone numbers, names and addresses as well as phone numbers of persons to contact in case of emergency, and any special answering instructions the client may want you to use. Don't forget to include a clause requiring 30-day notification of service cancellation by either party to the contract. It's also a good idea to state that a full month's payment must be made for any partial month's usage, in order to cover any disconnect charges. You'll probably want to stipulate that the last month's base charges are to be paid at the time of service approval, in order to enhance your working capital situation. Check with the phone company--find out if they or you are to bill the customer for hook-up charges, and the line into your switchboard. By all means, get everything written out and fully explained in the contract. You'll be money ahead by paying a good contract that not to put all that you want into a legal contract that not only protects yo

Once upon a time

There once was a time, maybe not too long ago, where we didn’t have all of the technological luxuries that we enjoy today. The mere thought of listening to music on a portable digital music player like the Apple iPod Nano was simply, ludicrous. The incredible graphics of a home video game system like the Xbox 360 only existed in dreams and imaginations. And who could have imagined a bulky, shoulder-mounted video camera turning into a tiny, hand held digital video camcorder? It’s really incredible to think that just as little as twenty years ago, all of these incredible technological devices weren’t even thought of and about, let alone were mass produced. Now, you can do into any store or refurbished electronics dealer and find a whole range of amazing electronic items. If you own an iPod or a Sony Playstation Portable, can you imagine not having these luxuries – and that’s what they are – at your disposal and at your beck and call? Earlier and previous generations didn’t have the option or ability to literally take every song they’ve ever heard with them wherever they go as we do now with the Apple iPod Nano. They could only listen to songs on cassette tapes, vinyl records, or heaven forbid, the old classic 8-track player. And as for taking songs with them, that was out of the question. Even though we can bring our music with us wherever we go by using the Apple iPod Nano, one has to remember that portable music players, like the original Walkman, weren’t introduced to the public until 1980, which isn’t even 30 years ago. It’s interesting to wonder what people did for fun and entertainment many years ago. Going to the movies was always a popular pastime, but you can now download and watch videos on your PSP or your Xbox 360. Perhaps some people liked to simply goof off and act silly, which now, with the advent of the digital camcorder, you can shoot and share your goofy adventures and upload them on the internet for all the world to see. Sitting around listening to music is also a nice way to kill time, but why sit around when today, you can listen while on the go with your Apple iPod Nano? No matter what people did for fun and entertainment in the past, we can now do it bigger, better, louder and faster with a whole array of electronics at our disposal.

Buying the right anchor 485

Buying The Right Anchor The right way to use an anchor is probably one of the least understood areas of boating. If you are new to boating, you may be thinking - how hard can it be? You simply throw the anchor in the water, wait until it hits the bottom, then tie it off, correct? Anyone who is experienced with boating has probably seen the types of problems that type of attitude can cause. Just like everything else in boating, anchoring requires the right equipment, careful thought, and a lot of practice. The starting point is selecting the right ground tackle (the proper term for the anchor, line, chain, shackles and swivels) for your boat and your style of boating. There is no single anchor that will do everything perfectly. Each style has its own unique benefits and drawbacks, and each one performs best under its given conditions. The Danforth anchor The Danforth anchor is one of the most popular, being easily identified by its two long, sharp pivoting flukes and long shank. The Danforth is also a great choice for small to medium sized boats as well. The anchor is light and easy to store, digs well into sand and mud, and releases easy when pulled from different directions. The flukes on the Danforth pivot so that the shank can be pulled at a more vertical angle. It's ideal for fishing, which requires quick release and moving around to different locations. If you fish overnight a lot or travel to different areas of water you may want to consider a different anchor, which will hold better in changing conditions. The plow anchor The CQR, or plow anchor, features a single shaped fluke that pivots at the end of the shank. This design works well on many bottoms. The plow shank pivots from side to side, while remaining parallel to the fluke. This design also makes releasing a snap when the anchor is pulled vertically. The Bruce anchor This anchor was originally created for offshore gas and drilling rigs. The more scaled down version of this anchor is popular with boaters. The anchor holds fast, yet it will still come loose when pulled vertically. Always make sure to select an anchor system that matches the length of your boat, displacement, and the windage. If your looking for strength, elasticity and durability, you should use only top quality braided nylon anchor line. It's very important that the size and length of your anchor line is appropriate for your boat and it's requirements. Small or medium boats should use a section of galvanized steel chain between the line and the anchor. If you are new to boating, anchoring is something you should become familiar with. As you use your boat more, you'll pick up the proper anchoring techniques. Or, if you prefer, you can always take classes and learn everything you need to know about anchoring from a qualified professional. (word count 485)

The niacin rush

Your face turns flush and your skin starts to itch. Your heart begins to beat faster. The itching may be felt all across your face and extend down your arms to your fingertips. What is going on? If you're like me you forgot what you learned in school and had to call ask-a-nurse to be reminded. You may have taken a little too much niacin, or vitamin B-3. It's ok, you'll be fine, it will probably wear off in about half an hour. But it can really make you scared if you don't know what is going on. What happened? I took a niacin supplement plus brewer's yeast which itself contains lots of niacin. That was nine years ago but I still remember it like yesterday. Niacin, also known as nicotinic acid is very necessary for your body. Niacin is needed at the cellular level. It is an important nutrient in cellular processes that create the ultimate energy currency of your body - ATP or Adenosine Triphosphate. A deficiency in niacin can lead to pellagra, which has a number of manifestations. An inflamed tongue and irritated gastric track and colon as well as depression and hard rough skin are just some of the symptoms of this deficiency disease. Anxiety and hallucinations are also possible symptoms of pellagra. Wide spread pellagra is no longer seen in the United States, though individual cases can still occur. Dermatitis, dementia and diarrhea are considered the 3 Ds or the classic symptoms of pellagra. Diets rich in meats, eggs and milk provide adequate amounts of niacin to the body. Alcoholics and diabetics are at greater risk for being deficient in niacin. Niacin is a vitamin, it is necessary to the body for cellular processes. Oral supplementation can reverse the less severe cases of deficiency. In severe cases there may be permanent consequences. So the next time your face flushes and you get an itching burning sensation down to your fingertips, take a moment to reflect before you panic. Did you have too much niacin? This article is for information purposes only. If you have or think you have a health condition, consult your physician for proper diagnoses and treatment.

Self help methods are available to take the anger out of your system

It is not always easy for someone to control his or her anger, and the problem can often become serious enough to warrant looking about for an effective self help means to rectify the problem before it becomes more serious than it deserves to be. The number of people having anger management problems is many and if it were not for the fact that there are a number of different self help anger management techniques available, the problem would indeed have become a much more serious cause of concern than it is. Simply Visit A Therapist For Counseling - When faced with different choices of self help anger management techniques, a very common option taken by a person suffering from anger management problems is to turn to a therapist and get counseled for his or her problem. However, a number of other alternatives are also available and one such is to read up as much literature as is available on the subject of controlling anger, and with so much literature available on the topic, it is a good starting point for every sufferer of anger management problems. Or, if one is in need of some company and one desires to have a more sustained means of getting self help with the anger management problem, there is always the possibility of joining anger management courses that is very effective means of overcoming the problem. It offers much scope to interact with others having similar problems and thus opens up avenues to interact and learn about other people's experiences with the same problem, and learning how others cope with the problem, will give fresh insight into your own methods of dealing with anger management problems. Furthermore, self help anger management also requires getting support and understanding from friends and family which can help bring things under control. You may think that only adults suffer from anger management problems, but the truth is that anger is indiscriminate in who it affects and even children that normally behave very well can become its victim. A child that has hitherto not shown much sign of becoming angry can suddenly develop a problem with controlling his or her anger and would thus require help from parents to learn some self help means to cope with such a problem. If you are a sufferer of anger management problems, there is some hope for you since there are many resources that you can tap into in order to learn self help anger management techniques. Some of the better self help means to control anger is taking to doing yoga and also meditating, which are very effective means of overcoming anger problems. You can also take to reading books and even make use of audio books on how to control anger, and this is an effective and simple self help anger management technique that anyone can use and thus overcome whatever anger related problems he or she may be having.

Fees involved in leasing 201

Fees involved in leasing Mention auto-leasing and most people will automatically assume a low- monthly payment. There is actually more than what meets the eye, and a number of fees are involved at various stages of the lease process. At the beginning of the lease, you have to pay a refundable security deposit, typically equivalent to one monthly payment, to safeguard against non-payment and any incidental damage done to the car at the end of the lease. You are also required to pay an administrative charge, called acquisition fee. Other fees include licenses, registration, title and any state or local taxes. During your lease, and you expected to honour your monthly payment obligations. Any failure to do so will result in late-payment charges. You have to pay any traffic tickets, emission and safety inspections and ongoing maintenance costs. Ending your lease early will result in substantial early termination charges. At the end of the lease, expect to pay any excess mileage costs, charged at 10 to 20 p a mile. Any incidental damage done to the car, and deemed to be above normal, will result in excess tear-and-wear charges. Finally, if you choose not to purchase the vehicle, then you have to pay a disposition fee. (Word count: 201) PPPPPP

Is affiliate marketing really good

Finally interested in affiliate programs i. e. affiliate marketing? Well done!! Good decision. What is Affiliate Marketing? In a very simple term it is “salesman” with a new twist. You are doing Internet marketing of products for authors like e-books, products by manufacturers and wholesalers. This time you are doing it through the Internet and reaching out to the whole world of Internet. How lucrative is the online affiliate marketing? Without doubt, it is the best opportunity in the online network marketing business. It is easy to make money over the Internet, if you know how to do it. Is it the right time to start? Of course, it is absolute the best time. Internet marketing just left the stating block. The latest techniques and strategies the gurus have plotted out a sure way to success. Is it challenging? My god! What a question? The question should be “Are you ready to take on the challenges? The affiliate program” As your income grows with online affiliate marketing you will explore and discover newer and better ways to increase your income. What selections of products do I have? Right in front of you, click bank has a whole range of products. Well 11,000 over products. Is this enough for you? Not enough. Then look into Amozon there are more. Do I need to invest a lot of money? My dear friend, there are no free lunches. You have to invest some money initially. Like securing a website, hosting it. Of course, if you are prepared to invest more money, there are articles written by some gurus. You can to take advantages of their ideas. This will propel you to faster and greater heights. Ops, One more thing, you have to put in a lot of hard work. Nothing comes easy. Talking about gurus, there is this GURU who not only made lots of money but also helped many through his guidance and classes to make lots of money and changed their life’s for the better. Find out what are his secret weapons and the potential of affiliate marketing: affiliateandaffiliate/ewen/optinpage. html

Chasing sleep when it s on the run

We can lose it, we never find it and we always want it. It's sleep. Ask any traveler-especially one on business with high-adrenaline days-sleep is almost as valuable as gold. The marathon meetings, the late-night dinners, rushing to and from the airport and the multiple time zones all make getting a few winks harder to achieve. It happens to most of us: a sleepless night in a hotel room just before a big meeting. You want to sleep. You need to sleep. No matter how hard you try, you just can't get to sleep. With action-packed schedules, a traveler would think sleep should come as easily as counting sheep. For many, however, trying to sleep on the road brings on a case of temporary insomnia, called transient insomnia. Most travelers know they have it when they find themselves staring at the ceiling or twisting and turning in frustration. Fortunately, there are things every traveler can do to avoid losing Zzzz's. Here are five tips for finding a comfy, cozy night of sleep away from home: • Look for the love. One hotel chain conducted nine months of research and testing before introducing a new bed as part of "Make It Hampton," the largest and fastest transformation ever undertaken by a hotel brand to dramatically enhance the guest experience at each of its hotels. The bed features nine new attributes so that the bed looks as great as it feels. From the crisp duvet cover that holds a down-like comforter, triple sheeting on 200-thread count linens, a decorative lumbar pillow and a higher sitting bed, it could feel like home. • Watch out for the imitators. There's more to a mattress than meets the eye. Choosing a mattress that's right for you can mean the difference between a peaceful night and a scary nightmare. According to Pawn Kongkosonkichkan, a bedding trainer with Rich's-Macy's/Lazarus/Goldsmiths, pick a mattress with a high coil count and you can be snoring in no time. Also, look for hotels featuring plush-top mattresses, as these will keep their form better and avoid the lumpy mattress feeling associated with tossing and turning. • Sometimes, faking it is good. Goose down-filled comforters and pillows are great for personal home use, but some travelers may prefer today's synthetic fabrics, which are just as top-quality. Travelers with sensitive noses will want to avoid the opportunity of a sleep-interrupting allergy attack. For travelers who prefer down pillows, Hampton Inns provide a choice. • Re-create habits from home. Take a look at the habits you have every night before you go to bed; do they include some light reading, maybe listening to soft music or a quiet conversation with loved ones? Any traveler can re-create those homey feelings by simply taking a warm bath, turning off the TV or calling home for a quick "good night." Whatever your bedtime behaviors may be, take about 15 minutes before you go to bed to really relax. (Remember, a caffeinated drink late at night affects those on the road just like at home, regardless of how tired you may feel.) • Tick-tock, find a good clock. With so many confusing versions of the clock radios in hotels, some people may lose sleep just worrying if the darn thing will work as expected. For a more pleasurable sleep and wake-up experience, look for universal clock radios that offer simple alarm settings and a digital display that allows you to select your favorite type of music effortlessly.

Mortgage repayment protection insurance

Mortgage Repayment Protection Insurance is usually taken out at the time you apply for a mortgage but can be arranged with some insurance companies after the mortgage has been completed. You should seek suitable advice about arranging such cover from a suitably authorised person. Mortgage Repayment Protection Insurance provides cover in the event of you being unable to work as a result of an accident or illness or being made involuntary unemployed. The maximum amount of cover that you can arrange is based on the amount of the monthly mortgage repayment plus you can also cover such things as the monthly buildings and contents insurance premium and mortgage related life insurance monthly premiums such as an endowment policy or a decreasing term assurance policy. Mortgage Repayment Protection Insurance usually pays out for up to 12 months. You do not usually have to have a medical to arrange mortgage repayment protection insurance. In the UK cover can usually be taken out as long as you work for at least 16 hours per week and are aged between 18 and 64. The cover ceases once the mortgage is repaid or you reach age 65 or you retire or should you stop maintaining the monthly premiums or indeed should you just decide to cancel the policy. Mortgage Repayment Protection Insurance can be taken out either just to cover one applicant or both applicants. If both applicants are covered and say they are both on the same income then the policy will pay out half of the amount of the monthly cover in respect of the applicant who is ill. In the UK the cost of Mortgage Repayment Protection Insurance is based on the amount of the monthly cover you have arranged and will vary between the various companies who offer such cover. There are some exclusions with this type of policy which you should establish.

Why sales people lose business

In my time as a sales director in the IT industry I spent a lot of time and effort trying to understand why we won and lost business, with most of the effort on the latter. In sales reviews, reading lost business reports and raking over the ashes with ex customers I compiled a comprehensive list of reasons. Top of the list was price! “The competition offered a lower price, bought the business or gave more for the same” were the usual suspects. Next was product, “they had this widget, or used newer technology or had a better roadmap for the future of their offering”. Hard on the heels of these compelling reasons was “they went over the IT managers head, blew him out of the water and changed the basis of decision”. Other reasons included “they had a better unique selling proposition (USP) than us”, i. e. our marketing people are useless; “the customer has decided to write the software as they have people with little to do” and of course “they have decided not to progress the project as they don’t have the budget”. One day one of my best sales people came to me and said he had just lost a piece of business. Out of morbid curiosity I asked why and checked my trusty list of reasons. To my surprise he came out with a reason I had never heard before. “I was outsold, their guy was better than me”. This unprompted piece of honesty caused me to amend my list; I crossed out ‘reasons’ and replaced it with ‘excuses’. Exploring this situation further, our offering was competitive in every area so the classic excuses were not relevant in any case. What was relevant though was the competition’s sales person; he was their USP, because he added more customer value during the sales process. This was a really interesting lesson and led to another question. Why would this sales person adopt a very open position, when others blamed third parties? The answer was quite simply confidence. Unlike many of his colleagues he did not suffer from the fear of failure (or the sack) as to him losing was a lesson to learn from, not a disciplinary issue. There are a few practical steps that can be taken to increase the confidence of your sales people and reduce the incidence of lost business. • Firstly create an environment where the fear of failure is reduced and that engenders honesty. In turn this will help reveal the real reasons for failing to win business. • Ensure that these causes and how to resolve them are written into the sales person’s development plan and are followed up by the individual and their managers. Make sure the rest of the sales team know and that they learn from it. • Celebrate success; speaking to companies and individuals this is something which seems to have got lost in today’s business world. Success is infectious and builds confidence in individuals and sales teams. People will always lose business, it is not a crime. Failing to understand why and not learning the lessons is a failure of both individuals and their management.

How to avoid credit card pitfalls

Seeing people buying food or shopping clothes using credit cards has been commonplace these days. The phrase "Charge it!" has become a favorite expression of card users, and has been commonly heard in shops, dining places, and elsewhere. After all, who does not want to use these credit cards? Easy to use, these sleekly-designed cards can be used to buy practically everything in commercial establishments regardless of how much (or less) money does one carry money in his wallet. Short of cash and hungry? No grocery supplies? Going to a party but no money to buy that dress you've been drooling for? No problem! Your good ol' credit can care of that for you. No worries. Credit Cards: Not Free Money But wait. A credit card spree may be fun, but that doesn't free you from responsibilities in paying the expenses you incurred from using your credit card. Credit cards, after all, are interest loans in disguise. Typical credit cards ask for a number of charges, including: " A finance charge, which is an interest charge for the unpaid portion of your monthly bill; " An annual membership fee; " Or if you're paying after the deadline, there is also a late payment fee which could have a higher interest rate. In fact, many credit-card holders face credit-related problems. Poor purchasing decisions, lack of information on credit card fees, and disregard for upcoming credit payments are among the reasons why many credit-card users are often hard-pressed in paying their debts. Some are not even able to pay for the actual purchases they made, just barely managing to pay credit card company charges. Before you get drowned in a sea of debt, here are some tips to help you manage your credit-related expenses: " Be credit smart. Applying for a credit card application means you are ready to assume the responsibility for paying your credit. You and only you - not your parents, spouse, or whoever - is responsible for that. " Use your credit cards wisely and sparingly. Remember: Paying goods and services using credit cards are more expensive than using cash or checks. Credit payments include interest and other fees. Use credit cards as sparingly as possible. If you really need to use credit cards, carry only the cards that you will actually use. " Use credit only if you are sure you can repay it. Paying your debt on a credit card using another does not count. " Avoid impulse shopping on your credit card. " Use credit for money emergency only. " Seek credit counseling as soon you see financial problems on the horizon.

Article marketing is a hidden treasure

Article Marketing is one of the most effective and inexpensive way of promoting a website, a service or a product. Article marketing is a very good way of marketing a product, services or a websites on the internet. A good number of internet marketers are still unaware of the potentials of article marketing. Currently, article marketing is a hidden treasure. Those who discovered this hidden treasure are currently making hundreds and thousands of dollars by just writing and submitting articles to free article sites. Free article sites are sites that accept the submission of free articles from people like me and you. What is Article Marketing? Article Marketing is a type of advertisement where product owners or website owners write articles for the purpose of promoting a product, services or a website. Article Marketing is one cool and free way of getting free and targeted traffic to a website. With article marketing, you can sell products, drive traffic to blogs and websites. In addition to this, article marketing helps a lot in website ranking. By writing quality and useful articles, your website have the potential of ranking very high in search engines for a given words, keywords or terms. For individuals who find it difficult to write, article marketing could be a very difficult way of promoting a website or a business. If you are the kind that finds it difficult to write articles, you can higher a ghost writer to write one for you. The cost of such service is not much compared to the benefits you will get from it. There are many article sites on the internet today. These article sites allow one to post article for free. When you post your article to article sites, publishers who want fresh content will publish your article to their website, thus giving you and your business, services or websites more popularity. Article marketing is currently a very popular method or promoting a website, services or a business. The only problem is that many website owners now write low quality articles which is not good for the web existence or in other way, it might not be approved by the articles site review, and by not been approve you are equally losing your potential traffic visitors to your website. And Such poor quality article will make readers to lose their thrust and interest for such articles. It is encouraged to spend time to write a pretty quality article that will be approved my the articles reviewing sites, of which the profit results to your landing website is potentially enormous. Are you a website owner, a business owner, a service owner, a product owner, etc? Why not use article marketing today to reach your potential visitors and target market.

Refinancing your mortgage to cut costs

Typically home refinancing is done when you have a mortgage on your home and apply for a second loan to pay off the first one. While taking the decision to go for the home refinancing option, it is important to first determine whether the amount you save on interest balances the amount of fees payable during refinancing. More notably, in the current climate, it allows you to tap into equity in your property and off-set this against any credit card debts and loan repayments you are currently making. The result is a single, lower monthly repayment. After all, a mortgage is still the cheapest loan you'll ever get! Refinancing your mortgage is not as hard as you think, but in the current climate it may be too late to get a really good deal. Interest rates have been at their lowest for many decades and the lure of cheap money has propelled scores of families into action. Cash-out, bill consolidation, and home improvements, all with lower monthly payments, have convinced people to take advantage of the equity that’s lain dormant in their homes. However, with a credit crunch on the horizon, many home-owners are tightening their belts for lack of a better word, simply because they know that cheap money may be a thing of the past (at least for a while). Saying that, there are a few deals to be had, particularly if your circumstances have changed and you have moved from a high risk lending category into a lower risk one (ie into full time employment or a higher paid job). Deciding when or if to refinance your home depends primarily on your own unique financial situation. There really is no clear-cut rule for when or when not to do it. There are times when it makes economic sense to refinance. In order to ascertain what's best for you, it’s important that you take stock of your own financial circumstances in relation to your financial objectives and goals. With interest rates continuing to rise and the Federal Reserve tightening the belt on credit across the board (especially for sub prime loans), the slowdown in the housing market doesn't look as though it will turn into a buyers frenzy anytime soon. However, the standard market influences of supply and demand are still very much in effect. Mortgages are still being written, and many homeowners are still in the market to refinance. When it comes to refinancing, there's a few positive and similarly negative aspects you need to take into account. The negative includes refinance fees, the positive may be lower interest rates. The two need to be off-set against each other long term to see if the venture is viable. Saying all that, if you have an equity greater than 20 percent in your property, you can also get rid of the Private Mortgage Insurance policy you pay each month. You can also cash-out on your property, raising capitol from equity you've locked up in your property through an increase in value and mortgage repayments. This cash can be off-set against other financial obligations such as store and credit cards, reducing your monthly outgoing's to a single payment.

Travel smart spend less in san diego

: Vacations can be quite expensive. At times you don’t realize how expenses spiral out of control. Are you wondering how to have a great time in San Diego even within a limited budget? Well all you got to do is travel smart and still enjoy everything San Diego has to offer. By “travel smart” I mean you need to know all those things about this wonderful place that will help you remain tightly within your budget. And yes, there are a good many things the magnificent city San Diego has to offer. And you would be surprised how much it would help you save precious money. Visit Off-Season Deals during off season are quite attractive and economical. Hotel rooms come cheaper in October, November, January, February, and March. Quite often various motels, hotels and resorts in San Diego offer lower vacation rentals to fill their empty rooms. Hotels with Complementary Breakfast Spend time on internet and find out hotels which provide affordable family vacation package in San Diego to suit your budget. It’s wise to stay in hotels whose room price includes breakfast. Centrally-located Hotel Search the net and zero in on a hotel which is just a stone’s throw away from all major attractions of San Diego. This way you would precious money on commuting from one destination to another. Carry Along a Crib In case you are on a vacation with a baby, bring your own travel crib. Hotels often charge extra for the crib. Visit Museums in Balboa Park on Free Tuesdays While visiting museums in Balboa Park, get a pass which can allows you admission to 11 museums during a one week period. The pass comes at an affordable price. Or best, visit the museums on rotating Tuesdays when they are open to public free of cost. First Tuesday of the Month: Natural History Museum, Model Railroad Museum and Reuben H. Fleet Science Center. Second Tuesday: Historical Society Museum, Museum of Photographic Arts and Hall of Champions Sports Museum. Third Tuesday: Mingei International Museum, Japanese Friendship Garden, and the Art Institute. Fourth Tuesday: Automotive Museum and Aerospace Museum.

The attractions like the Timken Museum of Art, Botanical Building and Lily Pond in Balboa Park are always free. Entry into Sea World & Zoo In Sea World the 50+ crowd get discounts on tickets and free breakfast on Tuesdays. No charges for children under 3. If you're on a budget, buy just an admission-only ticket to the zoo. You would have to walk around as you won’t be allowed to use guided bus tour but at the same time you save about one-third of the money. In fact, in honor of the Zoo's Founders Day, entry is free on the first Monday of October. And the entry for children 11 and under is free during the entire month of October. Alluring La Jolla Museum of Contemporary Art in La Jolla, San Diego, is free on the first Tuesday of every month. The outdoor concerts at Scripps Park on Sundays are free from mid-June to mid-September. Having a tight budget doesn’t mean you can’t enjoy your vacation in San Diego. You just need to be a smart traveler and take advantage of things which are free to public and the various affordable family vacation packages offered by the hotels.

Top 10 tips for better heart health

Valentine's Day makes February a natural for American Heart Month. How can you make sure your heart will keep going pitter-patter, without going kerplunk? Let us count the ways... Here are our top 10 tips for a healthy ticker: 1. Fill up on fiber. Not only does fiber help lower levels of LDL ("bad") cholesterol, it can aid weight management. Being overweight raises your risk of heart failure by a third, while being obese doubles it. While two-thirds of Americans are too heavy, only half get enough fiber. Top sources include oats, beans, raspberries, blackberries, oranges and green peas. 2. Go bananas. I did when I learned that 99 percent of women and 90 percent of men don't get enough potassium in their diet. Responsible for regulating the fluid balance in our cells, potassium also blunts the effects of excess sodium. Too much sodium and too little potassium is a recipe for high blood pressure. Strike a healthier balance by cutting back on salt and increasing potassium intake with bananas, potatoes, broccoli and kiwi. 3. Say "no" to that extra cup of joe. Four or more cups of daily brew could elevate blood levels of homocysteine, an amino acid associated with increased risk of cardiovascular disease. Drinking more than two cups of coffee a day can harden the arteries and contribute to arteriosclerosis. Switch to tea; its heart-healthy benefits include lower blood pressure and reduced inflammation. 4. "Beet" heart disease. Beets contain the antioxidant betanin, which can help keep LDL cholesterol from clogging your arteries, according to a study published in the Journal of Agricultural and Food Chemistry. Moreover, this root vegetable is a good source of folic acid, which helps to break down that heart-hurtin' homocysteine. Top sources of folic acid include spinach, broccoli, romaine lettuce and papaya. 5. Become a better listener. University of Baltimore researchers found that people with "dominant personalities" had a 47 percent higher risk of heart disease when compared to their more patient, passive peers. So how do you know if you're "dominant"? Another study identified several markers - including the tendency to interrupt! 6. The "L" word your heart truly longs for: lycopene. This heart-healthy phytonutrient -; found in tomatoes, watermelon and pink grapefruit - may lower cholesterol levels and reduce inflammation. Harvard researchers found that eating seven or more servings of tomatoes a week might reduce the risk of cardiovascular disease by 30 percent. 7. Choose healthy fats. Monounsaturated fats (think olive oil, avocado, nuts) - when used in place of saturated fats (think butter, bacon, beef) - help lower cholesterol. Another healthy fat - omega-3 - helps reduce inflammation. Omega-3 sources include wild salmon, walnuts and flaxseed. 8. Don't turn breakfast into break-feast. While skipping breakfast actually lowers your metabolism, going overboard is no better. A new study done at the University at Buffalo found that big fatty breakfasts trigger the release of inflammatory chemicals associated with clogged arteries. So skip the stack of flapjacks and opt for a strawberry-banana smoothie. 9. Ode to soy. Twenty-five grams of soy protein per day can help lower cholesterol, according to the American Heart Association. Soy's other heart-healthy nutrients include folic acid and magnesium (which helps maintain normal blood pressure). Soymilk, edamame, tofu and soynuts are just some of the many ways to enjoy soy. 10. Go for a raise. In HDL cholesterol, that is. Higher levels of this "good" cholesterol can be almost as important as low levels of LDL cholesterol at keeping cardiovascular disease at bay. In addition to exercise, quitting smoking and limiting trans fats, a University of Scranton study found that drinking cranberry juice could help boost HDL levels. Jennifer Grossman is the director of the Dole Nutrition Institute. - NU

Mortgage rate what makes them tick

A mortgage rate is a price tag that is flying from the smoke stack of your home. It is the cost that you will be charged, on top of the principle amount of the homes value that you will be charged for borrowing money to pay for your home. Buying a home does not have to be just a dream anymore because rates of interest on homes are very low. Yet, will they stay that low? And, what else helps to contribute to the overall cost of the interest? There are several things that do, but you can easily sort through these and have the best options at lowering the cost of the home for your needs. The first thing that affects the home’s mortgage rate is that of the Prime Rate. This is the number that the US federal government sets to help improve the economy. It is the prime cost of interest and it is the guideline that most banks will use when providing loans to their customers or when providing interest on savings accounts and other such investments. Some lenders do offer sub prime rates, meaning that they are below the prime level, but this is hard to come by and may mean fee increases in other conditions. Secondly, the mortgage rate may change from one type of loan to the next as well. For example, the longer the loan terms are, the lower the interest rate will be on them. Yet, when you consider how much you will be paying in the length of the loan, this is not really a savings at all. Other loan options such as VA and FHA loans may also offer a lower than prime rate or at least be near to it. Even more so the more risk that you pose to the company, the more costly your mortgage rate is. If you have a poor credit score, you will often be charged a higher amount of interest on your home’s purchase. You should know what your credit score is and you can find this out by getting your credit report. To raise it or to keep your score high, make sure to pay loans and credit lines on time, keep your balances as low as possible as well as to insure that you have enough credit against your debt. The higher your score is, the lower your interest is likely to be as well. In order to know what the rates of a home loan that you qualify for are, simply go to the lenders websites and request a free loan quote. This will give you a good understanding of where you stand as well as provide you with a way to compare one lender to the next. Because the difference in just a few fractions of a percentage point are so very important (it can cost you thousands of dollars), it makes sense that you will need to carefully look for the lender that can offer you the most ideal interest. Finally, you should know the mortgage rate on any loan long before you agree to pay for it.

Don t hold a grudge against me

We all need to be cautious and not make quick judgements! The thing that really bothers me is being accused of something I didn’t do and having that person hold a grudge against me. You know the feeling…helpless! Or you might think that somebody intentionally did something to hurt you, and you want to accuse or judge them based on your feelings. As a child, some of my friends secretly poked fun at the other kids in the neighborhood walking down the street and I told them to stop. When they finally confronted all of us, they wouldn’t believe that I wasn’t doing the same thing! Right, like they were going to believe I had nothing to do with it when the evidence was very clear! If you feel that someone has said or done something behind your back or even to your face, it still isn’t a very good practice to treat them badly or keep ignoring them. The Bible warns that it is not right to judge people: Therefore thou art inexcusable, O man, whosoever thou art that judgest: for wherein thou judgest another, thou condemnest thyself; for thou that judgest doest the same things. Romans 2:1 I feel God is trying to say that we shouldn’t judge others because we, in turn condemn ourselves because we are not perfect. We sometimes have done the same things…in other words I would be an utter hypocrite to judge someone! The Bible goes on to talk about grudges: Grudge not one against another, brethren, lest ye be condemned: behold, the judge standeth before the door. (James 5:9). For I know nothing by myself; yet am I not hereby justified: but he that judgeth me is the Lord. 1 Corinthians 4:4. The only one who can judge us is the Lord. He knows the situation completely, inside and out! Much more thoroughly than what we are capable of seeing. So the next time somebody holds a grudge or accuses you of something, don’t take revenge or get upset. Try to forgive and pray for them, and pray for God to give you the strength to stay strong. Don’t let the situation keep bothering you to the point that you never let it go. Once you do forgive them, you’ll feel much better and you can get on with your life the way the good Lord intended.

Down comforters feel warm even during the chilling winters

When the chilling breeze of winter makes you feel desperate, it is the luxurious warmth of down comforters that makes you feel cuddled and comfortable. A down comforter is a luxury couch that offers people to sleep, rest or simply sit and feel warm and comfortable. A down comforter enhances the decorating splendor of your home. Available with plush settings, the down comforters are simply the best option to relax after the entire tired day. Down comforters come in various colors like off-white, white, cream and other solid colors. You can put covers and cushions with various designs on them to make the down comforters look better. Down comforter covers are available in various designs to match any type of color scheme and decorating styleforter covers are available in variety of materials like satin, percale, wool and Egyptian cotton. They can be bought at department stores or at bedding centers. Types of down comforters Down comforters are made from a variety of materials like duck or geese down. While duck down is much less expensive, geese down comforters are truly comfortable and enhance the warm feeling in all. The other type includes feather comforters that add bulk and firmness to the comforters. The best down comforters are those that are made from Siberian Geese. These are the heaviest and the fluffiest comforters that make you feel really snuggled and warm. You can also get Eider down comforters that will not only be reliable and warm, but also appear plush and luxurious. Factors to consider while purchasing down comforters There are few factors that you should consider when you are purchasing a down comforter. You should consider the fill power rating of the down comforters. This number corresponds to the fluffiness of the comforters. Another important factor to be considered is thread count. It measures the number of threads per square inch. The higher the number of threads used, the lighter and softer the comforter feels below you. How to wash the down comforters? Down comforters are like a big hug after a long day of monotonous routine life. When you want to wash your down comforter, you should leave it to the professional. However, you can even dry clean it in your own home with special cleaning solutions. In case you want to clean the down comforters at home, you should use non-chlorine bleach and an oversized front-loading commercial grade machine. After washing is over, you should dry them in commercial dryer with medium amount of heat to make your comforter clean and fluffy. For those who want a haven away from your bedroom, you can get a lavishly dressed down comforter to retreat into warm ecstasy.

Putting in and removing contact lenses

Putting In And Removing Contact Lenses If you are new to contact lenses, there are 2 things that you will need to overcome - putting your contacts in and taking them out. Even though you may have got in some practice with your doctor during your fitting exam, you’ll find things to be totally different once you step in front of your mirror at home and try to do it by yourself. The first thing you’ll notice is that it can be tricky to put your contacts in. If you are putting them in for the first time, it can be a little tricky getting them in your eye. With a few days or a few weeks to practice, you’ll be more than comfortable with your lenses. Always keep in mind that no one is perfect, it takes all of us time to get good at it. Below, are a few tips that will help you with inserting and removing your contacts. Putting your contacts in Before you put your hands on your contacts, you should make sure that you clean your hands thoroughly, and that you dry them off. Once your hands are clean, sit the contact lens on your index finger. Next, place a drop of solution in the center of the lens. Now, use your other hand and pull down your lower eye lid with your thumb then look up with the eye you will be inserting the contact lens into. Take your index finger with the contact on it and place it into your eye. Don’t close your eye immediately, rather leave it open a few seconds to let the contact settle. After a few seconds, close your eye and your contact should be perfectly in place. If it feels uncomfortable, take it out and try again. It may take you a few tries, although the more you put them in the better you’ll get at it. Taking your contacts out Same as before, you want to make sure that your hands are clean and dry. When you are ready to take them out, look up with your eye then use your fingers to grab the contact by the sides and pull it out. You can normally get it out on the first try, with a little practice. Once the contact is out, blink a few times to clear your eyes. If it doesn’t want to come out, put some drops in your eye to moisten it up, then try again. Contact lenses are a great innovation to vision correction, and they are easier to use than most people may think. Once you have worn contacts for a few days or a few weeks, you’ll find that it becomes second nature to put them in and take them out. Once you have got the hang of it, you’ll be able to put them in and remove them in a matter of seconds. (word count 479)

Summer safety tips for children

Summer is a fun time, but it’s also a time when a lot of accidents happen. Here are some ways to keep your children safe this summer. Water safety. If you have a pool or plan to be around the water at all, then make sure you’ve got all security devices in place. All gates must be locked, and alarms installed, especially if you have non-swimming children at home. Some general simple rules for children around any body of water are: 1. No running or horseplay near the pool. 2. Kids only swim with an adult watching them. 3. Make sure your children are taking swim lessons that teach, not only the basic strokes, but also survival strokes and basic water safety as well. All American Red Cross certified programs incorporate water safety into their swim lessons. 4. Of course, if lightening is possible, leave the water until the weather risk passes. 5. If your children are swimming in the ocean, follow the flag warnings and be cautious of the tides. Sun safety. No matter how old we are or how careful we are, that sun will surprise us and we’ll suffer a burn. Some simple rules to keep your children safe in the sun are: 1. Always apply sun screen – even if it’s a cloudy day. 2. Have your kids wear a t-shirt and hat if they have fair skin. 3. Make sure you have water proof sunblock on your kids if they’re in the water. 4. Apply sunscreen often, especially if your kids have fair skin or are playing in water. 5. Provide your children with plenty of water, juice, or popsicles. Keep them hydrated to help prevent heat stroke. Bicycle safety. Some simple rules to keep your children safe on their bikes are: 1. A helmet is a must. Ask any nurse in any Emergency Room and you’ll find out why. 2. If you’ve got a child who daydreams, wear a whistle around your neck when you go on a bike ride together. If you see him or her being unsafe, you can blow the whistle. This is much more effective than trying to yell. 3. Look for bike paths in the woods. These allow your child to ride freely without the hazards of traffic. Pack a picnic lunch and make a day of it. So many life-changing accidents are preventable. Make it a safe -- and a fun summer!

Herbal acne home cures

Herbal acne home cures can be an effective adjunct to whatever other treatments are being used. It is important to understand that they are not hard and fast 'cures' in the absolute sense, but will instead support the body's capacity to metabolize fats and carbohydrates, and encourage elimination through the lymphatic system. The class of herbs known as alterative herbs are conceptualized traditionally as 'cleansing' the body's tissues. They are thought of as detoxifying herbs, but they don't work in any obvious way on the body's elimination channels. - Namely, the lungs, kidneys, or colon. As such, they do not easily fit into a Western model of understanding the body. However, they do have a long tradition of use, and are certainly worth trying as an acne home remedy. Because they work on the internal condition of the body, they are not going to replace any of the topical, over the counter acne treatments. But they may provide benefit in an indirect way that these acne products don't. Alterative herbs tend to be quite gentle in their effect, so they are best used as a long term treatment. Results won't be sudden, but they will improve the general health of the body. They tend to be given for chronic inflammatory problems, especially relating to the skin, such as acne. These herbs include burdock, cleavers, red clover, figwort, poke root, echinacea, and blue flag. A great combination is blue flag, burdock, yellow dock, and echinacea. These can be mixed together and infused with hot water to make a tea. Drink a cup of this 3 times a day. You can put a little honey in it to make it taste better. Another possible combination is burdock, dandelion, and sarsaparilla (not the cola!). Mix these together when they are dry herbs, and make a tea in the same way. They can be used separately as well. There are a number of options for topical acne home remedies as well. Tea tree oil can be applied directly to breakouts, though for those with sensitive skin this may need to be diluted. Fresh cabbage juice can also be applied directly to acne blemishes, and this may be a better option for those with sensitive skin. An anti inflammatory skin wash can be made from calendula and chamomile. Make a tea as above, then let it cool and keep it in the fridge. Spray or dab this onto the affected areas regularly. Another combination for an acne home cure skin wash is yarrow, elder flowers, and lavender. Colloidal minerals such as potassium phosphate and magnesium phosphate can help support the skin. Zinc is excellent to help prevent scarring, as well as fortifying the immune system, and help supports the normal functioning of hormones. Vitamin C is excellent for encouraging the healing of acne lesions, as well as providing antioxidant support to the immune system. References: 1. Simon Mills, The Essential Book Of Herbal Medicine 2. Judy Jacka, A - Z Of Natural Therapies 3. Paul Bedson, The Complete Family Guide To Natural Healing

Your own adventure on the trail of the da vinci code

With some clever planning before hand, you can get to do more things the only thing you'll be concerned with is if you have enough time to squeeze everything into your mini adventure. Top 10 European city destinations (in no particular order) : Amsterdam : Rome : Prague : Paris : Barcelona : Venice : Budapest : Florence : Madrid : Vienna Source: Thomas Cook. Don't Just Observe – Participate In Life Think about it, when your friends come back from their escapade, what do they tell you? They tell you about all the activities they got up to, and they have the countless pictures to prove it. But, if your budget is holding you back, this could mean you won't have much to tell friends back home. You won't get to do all the things you'd like to do during your holiday. Friends will think 'You've travelled all that way and for what?' Making Your Money Stretch With the average spending money of Ј200 for a weekend away, costs can run up fast. Gate14.co. uk has the solution to this problem. They provide visitors access to impressive value-for-money tours, city passes and a magnitude of special deals available for over 400 cities worldwide. : City passes – which not only cut the cost of local public transport, but also offers reduced or even free entrance to a number of places you may already have on your list of things to see and do : A day at the races and other sports events : Theatre tickets : Theme parks (this one is particularly cost effective for families) : Wine tasting and cooking events : Cultural/Historical tours : Dining out : Cruises : Nature tours : Museums : Designer shopping spree excursions and so much more... This way you can find out, before you even set off for the airport, what there is to see and do in your chosen holiday location and have the ability to pre-book events and services. Here's just a small number of mini adventures you could get up to on your next holiday : Da Vinci Code walking tour : Canopy adventure : Dive with the sharks : Private Safari : Horseback riding : Luminous Lagoon : Romantic dinner cruise : SoHo and NoLita shopping tour A Different World You can be as adventurous or as relaxing as you want. Remember, you are in control. Try something you've never done before. With so much to experience it would be a shame to miss it all. Now, with the majority of your trip organised and prepaid you can truly rest back and enjoy.

How to make money with the reverse funnel system

There’s not to much to this… the Reverse Funnel System makes you money, bottom line. But it is a system, albeit a very profitable system, but a system to say the least. That means the system needs you to drive traffic into the system. Without a person manning it all the system will is just sit there. But if you spend your time submitting articles, posting to blogs, spending time on myspace marketing, and everything out there that there is on the internet to drive traffic into your system then it becomes successful. All the reverse funnel system is…is an automated sales process that closes people into your business for you automatically. Ty Coughlin and the inner circle hired VERY expensive copy writers, and web conversion experts to design the system. It is a brilliant system. But you are the fuel that feeds the system. Get out there, start working and start generating traffic and if takes two weeks, three weeks for the traffic to really start coming along, don’t get down on your self, think positively because if the traffic is there, the money is there. The conversion rates with this system are mind blowing, because the system works. You make money with the reverse funnel system by driving traffic to your copy of the system and the system does the rest. I have had very good results in the reverse funnel system, but like I said before if your first two weeks produce nothing you don’t have to worry about it. I didn’t sell a single paid survey let alone a full GRN membership. But before the end of my first month I had almost 20,000 dollars in commissions and thus can only expect this to expand in the future. The system works when you work it. If you’re out there marketing and driving traffic the system will be out there making you money. And that’s the bottom line to making money with the Reverse Funnel System.

The vacation of a lifetime a celebrity cruise line adventure

If the workaday world has worn you down, you may be interested in taking a truly memorable holiday trip or vacation. In this regard, you might want to consider a Celebrity Cruise Line trip. A Celebrity Cruise Line trip truly would be a vacation of a lifetime. (Keep in mind that while the Celebrity Cruise Line is discussed with specificity in this brief article, nothing in this piece should be construed as an explicit endorsement of the Celebrity Cruise Line or its services. Rather, the materials presented in this article are provided for informational purposes only. As you plan your own holiday or vacation, you need to undertake your own course of research to determine what sort of trip is most appropriate to your own travel needs and desires.) Celebrity Cruise Line provides a wide range of destinations and points of call for its guests, including: - Alaska - Bahamas - Bermuda - Canada - New England - Caribbean - Europe - Galapagos - Hawaii - Mexico - Pacific Northwest - Panama Canal - South America - Trans-Atlantic In addition to providing its guests with a wide array of different, interesting ports of call, Celebrity Cruise Line also schedules cruises of different lengths. From longer journeys to various ports of call to shorter jaunts that provide perfect breaks from the hustle and bustle of daily living, Celebrity Cruise Line has it all. When it comes to onboard entertainment on the high seas, Celebrity Cruise Line works hard to have “something for everyone.” One of the most popular entertainment features offered on most cruises is a “lavish Vegas style spectacular.” These dazzling performances are thrilling to see. For those people who prefer something more laid back after a day of cruising, Celebrity Cruise Line includes a Michael’s Club on every ship. These richly decorated piano bars provide a perfectly relaxing venue for travelers. The Celebrity Cruise Line has worked hard in recent years to develop a unique set on onboard amenities. Included within the Celebrity Cruise Line scheme is “Acupuncture at Sea.” Through this program and regimen, the cruise company is working to give its traveling guests the opportunity to recover the balance between “the physical, emotional and spiritual.” Acupuncture is a natural, comprehensive health care practice that is said to strengthen a person’s immune system through the use of thin needles used at specific energy points in the body. The company created the “Acupuncture at Sea” program as part of its overall commitment to its guests. Celebrity Cruise Line believes that a cruise should be a restorative process on all levels for its guests. Excursions to the shore are a vital and interesting part of nearly every Celebrity Cruise Line voyage. At Celebrity, you have a number of different options when it comes to going ashore. Of course, if you are so inclined, you can spend your time onshore “doing your own thing.” On the other hand, Celebrity always has available knowledgeable and professional guides that can make your time onshore truly memorable. Celebrity can arrange a wide array of different types of onshore excursions -- everything from historical and cultural tours to wildlife adventures.

Getting some anxiety and stress relief

Everyone is seeking some form of anxiety and stress relief. Hopefully you haven't resorted to self-medication with alcohol. Rather than applying a balm to the sore of stress, why not find a way to stop the stress from getting out of hand in the first place. I'll take preventative medicine over reactive medicine any day. One effective approach to getting anxiety and stress relief is to address the thinking in your mind that is causing the stress. The whole field of cognitive psychology is devoted to this approach. So, one type of faulty thinking that can lead to stress, anxiety and depression is all-or-nothing thinking. What is all-or-nothing thinking? It goes like this: Someone who suffers from this mistaken form of thought always looks at things in black and white, good or bad, right or wrong, etc. If you partake in this kind of analysis of your life then you are setting yourself up for a lot of grief. Now, correcting this thinking may not happen overnight. But if you become mindful of your all-or-nothing thinking then you can correct it little by little and get the anxiety and stress relief you are seeking. Here is an example of this all-or-nothing thinking. Let's say that your stress is the result of you not being able to finish all the tasks on your to-do list. I am often guilty of this. I tend to make myself way too busy because there is so much that I want to do. I know I've pushed myself too far when I start to get that knot in my throat and my anxiety level increases. This happened just recently. In order to get the anxiety and stress relief I needed, I had to modify my thinking. Instead of either succeeding or failing at my to-do list for any given day, I had to be ok with not completing everything on the list. But, that didn't work so well. I didn't like seeing things left undone. That was the all-or-nothing thinking again. So, then I just made the to-do list smaller and that worked almost immediately. In fact, that night when I decided that I couldn't do everything I wanted to do and had to settle for less, I could feel the knot in my throat shrivel up and disappear into calm. This is a good example of great anxiety and stress relief by challenging faulty thinking. This is just one example of anxiety and stress relief by challenging all-or-nothing thinking. Another example could involve you demanding that you get an A on a test. Getting a B isn't good enough. Again, you are setting yourself up for a lot of grief if you think this way. Bring some flexibility into your life and get the stress and anxiety relief you need.

Bring your presentations to life and get a standing ovation

: Presentation techniques are the tools that help us to bring a page of written text to spoken life. They are the means by which we animate words, inject interest and build audience rapport. Learn the following 7 techniques and you’ll have your audience clinging to every word you say. 1. Speak To Their Ears. Remember that your audience receives your words through their ears. They aren’t reading it. That’s why you should continually ask yourself, “how will this sound to my audience?”. In particular, you should check for… • the use of jargon, technical and bureaucratic language, long phrases and gobbledeegook. Avoid them. • specific meanings: "next Friday" is better than "soon". • concrete words rather than abstract words: "microphone" is better than "sound amplification facilities". • Anglo-Saxon rather than Latinised words: "talk" is better than "communicate". 2. Use Conversational English. Speakers who lack the confidence to speak directly to their audience tend to lean heavily on their prepared texts. This creates the risk of speaking the written word which can sound artificial and stilted. Conversational English on the other hand is natural and flowing.

By creating the feeling of a personal chat, the conversational style helps to build audience rapport. Idiomatic, conversational English is distinctly different from written English. It allows for occasional ungrammatical and incorrect use of words and sentences, as long as the meaning is clear and sounds right. You would not, for example, say the grammatically-correct "For whom is it?" in place of the colloquial "Who's it for?" 3. Make Everything Make Sense. One of the most important points to remember about a presentation is that written English does not always make the same sense to a listener as spoken English.

When we read written English we go at our speed and can pause, go back or jump ahead. When we are listening, we rely on the speaker to make sense for us. Notice the difference between these two ways of expressing the same sentence. Not: "The user will no doubt be familiar with the consequences of a machine failure at difficult moments." But: "I expect you know the sort of thing I mean. You're right in the middle of something worth saving when, Phut!, the whole damn thing goes up in smoke. Before your very eyes..." 4. Signpost Where You Are Going. The technique of Signposting, or Labelling, can be used throughout a presentation. Signposting, like the signs on a street, is a way of letting the audience know in advance what is coming next in your talk.

It is used to tell the audience what you want them to understand from it. • we can signpost the whole talk when we start: "I'd like to do three things this morning. First, I'd like to look at our current position; then our plans and finally, the costs." • we can signpost a sub-point: "My second area is to look at plans. First, this year's; then next year's..." • we can signpost any issue: "Let me give you an example of what I mean..." • we can signpost the end: "Just one more point before I finish..." Audiences appreciate signposting because it helps them know where they are. 5. Use Jokes To Build Rapport. Jokes are a way of amusing an audience while at the same time sharing something with them. The point of contact is the shared laughter. If a joke works it brings you together; conversely, if the joke doesn't work, it pushes you apart. Jokes need to be appropriate, well-presented and, of course, funny. A blue joke from the Rugby club dinner speech probably won't work well at the annual conference of the Women's Institute.

Equally a joke told badly where you miss your timing, tell it too quickly or forget the punchline is worse than no joke at all. This joke told by Patrick Forsyth seems to catch the mood of a farewell speech: "I remember the day after Nigel joined us and overhearing the impression he'd made on two young ladies from Accounts. "Doesn't that Mr Green dress well," said one. "Yes," replied the other. "And so quickly." 6. Pause For Maximum Effect. Some of the best moments in a speech are, surprisingly, those moments when you stop. Knowing when to stop is the art of the creative pause. It can work for you in a number of ways: • to tease the audience, perhaps after a provocative question: "I bet you'd like to know how you could make a million..." • to pause before the punchline of a joke • to wait for an audience to settle after laughter or a general discussion • to give the audience time to think (for example, when looking at a new overhead) • to show you're in total control by holding the pause just slightly longer than you need to. 7. Show Don’t Just Tell. Turning a simple presentation point into a narrative or story can entertain and involve the audience on a different level. It is a way of showing them not just telling them.

Not: "Our personal computer has three kinds of memory storage: the random access memory, the hard drive and the floppy drive." But: "Designing the storage memory for this particular computer was always going to be a tricky problem. The first team to look at it was Rob James and Ellen Smith. After several experiments they discovered that they could build in a huge RAM but their problem was what to do with the hard drive. This was new territory. Neither of them had worked on anything like that before. First, they tried a separate box. No good. Then a new casing. Still no good. They were about to give up when news came from Japan about an amazing new microchip..." Master these simple techniques and you’ll raise your presentation expertise to heights you’d only just dreamed of before!