Cycling for the good of you and the environment

Cycling Gains New Popularity

Cycling is gaining popularity in many parts of the country for good reason. Gas prices are going up and many people now bike short distances instead of driving to get around. They do this either to save money or to save the environment. Many people already find cycling to be a fun way to get exercise. As gas prices go up, more and more people will realize that they can help themselves and help the earth at the same time if they switch to bicycling.

Cycling, far from being a past time of the poor, has mostly been a past time of the well paid. One estimate of commuter cyclist’s income showed an average of $60,000 a year. Many cities across the country are now planning ahead for a potential future energy crisis and are making themselves more cycle friendly. They are adding bike lanes, bike racks, bike garages, and even bike dedicated streets. These cities with foresight will be more ready in the event that gas prices suddenly shoot up to the point where many people can not afford to commute to work in a car.

In heavy commuter traffic, cyclists actually find themselves getting to their destinations faster than their car commuter brethren. In some areas it is not legal for a bike to pass on the right, so check the local bike laws before you take this speedy shortcut through commuter traffic.

Cycling and Exercise

Not only is it a great choice for transportation, but cycling also has other benefits. One of the best ways to exercise, and among the most popular, cycling allows you the option of enjoying your surroundings while you exercise. Good for cardiovascular health as well as helping with balance and coordination, cycling helps maintain a healthy weight. Thirty minutes of cycling per day cuts the risk of heart disease in half. In addition, cycling increases strength and improves strength. As with any exercise, cycling promotes good mental health as well by its effect of giving you an overall sense of well-being.

Important Things to Know

Setting your bike up for commuting or shopping is different than setting it up for traveling or racing. You need sturdy tires that can handle all kinds of weather, especially if you live in any area other than the desert. You need some good bags to hold things or a bike trailer. You need lights in case you stay out too late and it gets dark. Although many cities do not require helmets for adult bike riders, it is a good idea to protect yourself with one.

Some say that cycling is more dangerous than driving, citing this as a reason that they choose to drive rather than cycle. But actually, as millions of Americans have been discovering, cycling is a great alternative to driving. In fact, figures suggest that cycling is only fifty-five percent as dangerous per hour as traveling in a car. Of course, wearing the right gear while cycling, as discussed above, is important.

Buy to let property insurance

Buy-to-let property insurance, some times also known as residential property owners insurance, is needed if you own houses and/or flats to tenants – either on a short-term or long-term basis. Ordinarily you can buy cheap buy-to-let property insurance in the event that you rent five or less properties in the UK than is the case if you rent more than five properties, as in the case of the former you are seen as a small time landlord with a small business, whereas in the latter you are seen as a full blown property-owning company.

Whether you plan to rent five or less properties, or five or more properties, is, however, a side issue, as in both cases you’ll need to ensure that you have at least the minimum level of required insurance in order to protect yourself. Consequently, the number of properties you own will have a bearing only insofar as the insurance premiums are concerned. That said, if you are looking to become a property owner with a letting business, then you need to ensure that you have the following minimum provisions in your insurance policy:

Fire

Insuring against any fire on the property

Natural Disaster (also known as tempest insurance)

Insuring against natural disasters that may occur, such as a storm where the winds tear off your roof or guttering

Theft

Which is especially important if you are renting out fully furnished properties. In the event that you are renting out unfurnished premises, you may wish to have a discussion with your tenants about whether or not they should have home contents insurance

Public Liability Insurance

This should be a must as it will protect you against any claims your tenants or any third parties (such as their guests) may have for injuries they suffer while on your property

Lost Earnings

There may well be times when your property remains empty; say, for example, while you look for new tenants. If you are relying on the rental income from your tenants to repay the money you borrowed to purchase the property, you need to ensure you have lost earnings insurance to compensate you during this period

Employee Liability Insurance

If you have employees who will visit the property for you to repair any damage, etc. or to collect the rental payments, then you need to make sure that you have employee liability insurance in case they get injured while carrying out their assigned task

Legal Expenses Insurance

As a property owner you may find the need from time to time to retain the services of a lawyer; for example, if your tenants refuse to pay their rent or move out of the property at a specified agreed time – when you may need to get an eviction notice. As legal expenses in the UK can be expensive, you should consider insuring against this risk by having in place a provision of legal expenses in your insurance policy.

Although the above are basically the bare minimums you need in your buy-to-let property insurance policy, you can also tailor these types of insurance policies to meet your particular needs, so make sure that you talk through your circumstances with your insurance provider, especially if you anticipate expanding the business in the near future.

How to start a small business part 1

9 years ago, I decided I would rather struggle and starve than find a normal 9-5 hr (is there such thing as 9-5? I wonder) JOB. I was just a greenhorn right out of high school at ripe age of 17. I had my shares of ups and downs. And boy, do I have few horror stories to share?

Today after putting together a successful business, I often wonder if I’d do things differently if I have to start again. Of course there are tons of things but I am going to highlight most important ones here. I know these are going to help you a lot.

I don’t know why you are starting out? may be you don’t like your boss or may be you think it’s better to work yourself and make all the money. Regardless of your reasons, you’ll find this list helpful. Don't forget you can use these techniques on internet too.

# 1. Have More confidence in Your Skill : No matter who you meet, be it an expert businessman or an authority figure in your niche. Have more confidence. I cannot stress this enough. If you have worked hard to learn a skill then I can bet, there are only a few people better than you.

I was a programmer and I understood this unknowingly to the extent I was arrogant about it. I have met many highly paid programmers and knew their skills weren’t at my level. If I start again, I’d not mind crossing the arrogance line once again.

Why? If you are confident in your skill, that’ll come across in your communication and will help you land a client or two regardless of your experience. I had more than few HR managers of big firms looking to hire me.

# 2. No More Free Work : I’d do no work which doesn’t get me paid right now. Nope, never. I did this mistake to “build my portfolio”. And trust me not many people trust your skills if you are working for free.

If you like doing charity work, then I can show you tons of guys who’ll squeeze every drop of blood out of you before you say “Hi”.

# 3. Give discounts or Free for promise of more work: Now my first client was like “If you work for me, I’ll get you this guy, that guy and that guy’s account and more over you guys aren’t even experienced, nobody will pay you a single dime”.

If that happens to you. Find a better client. Trust me… This client was big headache. I had a bad hunch, but my partner told me to go ahead. Now this client would change his requirements of this project every day and then later cut down the deadline from 90 days to 50 days.

If you have been in programming, then you know it’s not easy at all. From coding, to testing and debugging. We worked like maniacs… and what we got? Nothing, Nada, zippo.

No more price cutting or competing on price. You'll always end up on losing side.

Well the only good thing we got out of this client was understanding how to deal with people like him. That’s it. Never got paid for this project. My finger tips still hurt after working for him day in day out. I might talk more about dealing with guys like him in another post.

You'll read 4 more tips in my next part of this series.

Identifing narcissistic people early

Narcissistic men and women are so self centered and self indulgent that they see friends and lovers as mere extensions of themselves. They are obsessed with flattery and demand to be adored and have attention to themselves at all times.

Unfortunately, these narcissistic types are very seductive and you may at first be attracted to them without realizing what you are stepping into. Because their egos are so very fragile, they constantly crave attention which eventually puts their partner at risk of being on the loosing end of the relationship.

To help you with some tips on identifying whether or not he or she is a narcissistic type, ask yourself the following questions:

1. Does he or she loose interest when they are not the center of attention?

2. Are most conversations about them, whether you try to change the subject or not?

3. Is your partner always fishing for compliments?

4. If you criticize him or her, do they literally fall apart at that criticism, especially if it refers to their looks or their mistakes?

5. Do you catch them talking about all of their supposed 'lost loves' whom each seemed to have had major flaws in which he or she had to break up with them?

6. If he or she is not getting special treatment or constant attention do they get mad or have a temper tantrums? For example if when they are not waiting on fast enough in restaurants, or did not get the best seats at the movies, are they upset?

7. Do you find a pattern of this person using people just to get what they want and then discarding them when their own needs are met?

If the man or women you are interested in shows any number of these types of behaviors then you may want to be careful. These are not the type of people to get involved in a relationship with if you want equal attention and love.

Best carpet cleaners advice keep dry bid molds goodbye

Best Carpet Cleaners Recipe for Molds and Mildew: Clean, Pat, Dry

It’s a long magical ride for carpets, which may have originated in Central Asia in the 3rd millennium, traveled all the way to Europe and found prominence in many stately interiors, until it found its way to almost every American and European homes, today.

Cleaning Carpets is the least-liked household chore of most women for three counts: first, it covers a wide expanse of space, second, it requires a certain degree of skill and care, and 3rd, it should not be a woman’s chore! Period.

The “odds” however are far outweighed by the benefits of unrolling this felted cloth on the floor. Here are some of them:

- Aesthetics. Carpets have a comfortable look ( and feel) on them; they can easily transform a dull room into an attractive and cozy place; carpets also lend a certain degree of class in the interiors of any house or office.

- Energy saving. Homes with carpeted flooring cut back on energy costs since carpets are heat insulators.

- Safer. Fewer slip and fall accidents are attributed to carpets than wood or laminated surfaces.

- Practical. Cleaning carpets, though it entails cleaning a whole lot of space, is easier to do than other surfaces. It eliminates the stripping of old wax and application of a new coat for one; cleaning can be scheduled less frequently than cleaning wood and laminates.

- Other Plus points. Carpets reduce noise as it absorbs it; air pollutants that enter the household are trapped as well.

But just like in anything doing well, there are always “spoilers”.

Molds and mildew can grow at a faster rate under carpets because of the textile’s tendency to hold in moisture. Let alone, molds and mildew can chew up your carpet easy…slowly but surely.

Best carpet cleaners, also referred to as “the carpet authority” can recommend products in the market that can provide instant solution to the problem, but would advise you not to throw caution to the wind. Read the labels carefully; check the manufacturer’s warnings.

It’s easier to grab from store shelves, molds and mildew removal solution than replacing a damaged carpet altogether, which is far expensive, too! Don’t believe on the first product advertisement you hear. If unsure, you can have a “dab test” on a less conspicuous part of the carpet, to make sure that the color of your carpet does not bleed with the molds and mildew solution.

Homemade solutions against molds and mildew may prove useful too, according to some carpet dry cleaning experts: try dusting off carpets with your kitchen’s baking soda. When done regularly, this can eliminate the proliferation of molds and mildew on your carpet. Don’t forget to vacuum after a few hours.

“Prevention is better than cure”. That’s the other golden rule. Molds and mildew grow in damp areas. To avoid persistent problems with molds, there are housekeeping “ups” that can tilt the balance in your favor:

- Brighten up! A well-lit household has a lower incidence of growing molds and mildew because these can’t thrive under the light. Replace dimly-lit bulbs with bright ones in areas or rooms that pose a higher risk to grow molds and mildew. It’s cheaper to invest in well-lit bulbs than replacing carpets;

- Clean up. The real antidote to all housekeeping woes is to keep all areas in your house clean. Simple.

- Dry up. Your carpets hold in moisture as it circulates in the air. Molds and mildew thrive on beneath your carpets for the same reason – they need moisture to survive. To minimize growth of molds and mildew, you should lessen the amount of moisture that circulates in the air and sinks into the carpet. Wipe everything dry as you go – shower rooms, where bathroom mold starts to form should be maintained clean and dry; kitchen sinks, too. Hang damp clothes, instead of letting them stay in the laundry bin, until the next washing day. Molds and mildew destroy fabric, too.

You may opt for Carpet dry cleaning, which is usually done by a professional. Carpet dry cleaning professionals operate their business legally; this is premium service guarantee.

There are other “un-homemade” solutions like buying a dehumidifier, which lowers the humidity level indoors, and purposely eliminate the growth of molds and mildew. You can try this one out, if you have cash to spare. Fans and air conditioning units have proven helpful, too.

In the overall, carpets remain as one of your wise investments for the home. The soft feel and welcoming effect of carpets, makes coming home each day, not a drab routine but a renewing experience.

Is ozzie going to blow a gasket

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Last season, Chicago White Sox manager Ozzie Guillen was making all the right moves and the Chicago White Sox stunned America with a World Series victory. The 2006 season started off in much the same way that the previous fall ended and the addition of Jim Thome had the South Side team ready to defend the title.

Suddenly the White Sox are about to be overtaken by the surging Twins of Minnesota and Guillen could be go off the deep end. The Twins have won 33 of their last 41 while the White Sox have dropped 11 of 14. The loss moved Minnesota within one game of Chicago for second place in the AL Central and within 8 1/2 games of the Detroit Tigers for first place in the division.

The White Sox lead the wild card by one-half game over the New York Yankees with the Twins one-half game further back. If you believe that the numbers don’t lie then the White Sox are a sure bet today as Mark Buehrle owns the Twins.

The southpaw has been successful against the Twins going 17-9 with a 3.63 ERA in 29 appearances. The 17 wins are Buehrle’s most against any opponent. In his last start against them on May 14, Buehrle allowed seven first-inning runs, but the White Sox rallied for a 9-7 win for his fourth straight victory over the Twins.

The Twins counter with Carlos Silva who is 2-5 with a 5.98 ERA in 11 appearances against Chicago including nine starts. He has faced the White Sox twice this season and lost both outings. In his most recent start against them Silva allowed eight runs in 3 1-3 innings.

The Dodgers are sinking fast as they have gone 1-9 in their past 10 and now trail the Padres by seven full games. Meanwhile, MLB owners must be shaking their heads when they look at their overpriced talent and stack it up against the miniscule $14 million payroll of the Florida Marlins.

Manager Joe Girardi is going to be heralded as one of the finest young coaches in the game and don’t be surprised if the Yankees don’t make a pitch for him to replace Joe Torre.

Bob Acton

Online Sports Betting

People who hate shopping

Have you ever wanted to purchase something, yet you were not in the mood to drive to the store? Maybe you were feeling a bit under the weather, or simply didn’t feel like walking through crowded stores and standing in annoyingly long lines. How many times have you actually forced yourself to go despite not feeling this way, just to take advantage of certain savings from a coupon that will expire soon, or a sale that merely lasts a day or two? There is good news: There is no need to venture outside your home again, if you’re feeling under the weather, just to reap the benefits of a great sale, or to utilize soon-to-expire coupons. There is an awesome internet web site that offers loads of coupons, for nearly every item that you could possibly be interested in buying. Hand bags, perfume, clothing for the entire family, music, videos-and much more are offered at amazingly low prices, in addition to the wonderful, money-saving coupons. This awesome site is as per attached links below. And one great thing about this site is that the coupons never expire. Now you definitely can’t beat that!

There are many problems that can incur by simply going shopping at the local mall, or local Wal-Mart. It can be a real headache, especially for those who despise shopping. Why do people dislike shopping? Well, there are many reasons for this. First of all, some people simply don’t like getting out in heavy traffic to go to a store, especially at certain times of the day. Lots of people also dread going to stores because they hate crowds. It irritates them immensely to have to squeeze through a large mob of crazed shoppers in order to find and pay for their purchase. They would just rather have someone else do the shopping or shop online.

Another reason why some people hate going out to shops is because it can be very frustrating. The store may not have the size or color of the item that they’re looking for, causing them to have to go from store to store, in search of the perfect product. This can be very time-consuming, as well as tiring. And of course, this can be totally avoided by shopping online at the above-mentioned website.

Other people may dislike going out to shops because they are simply impatient people. It irritates these types of people to have to search through racks and racks of clothing in order to find what they want. They would much rather sit in front of the computer and order the items of their choice by taking advantage of the convenience of the internet. This is just fine, too, because more and more people are realizing the benefits of online shopping.

Travel like a hollywood a-lister with luggage to suit every journey

When you go away on a business trip, or take a vacation, do you find yourself digging out the same badly battered, worn suitcases and bags that you have been using for the last decade? Worse still, are you still using the now threadbare backpack that accompanied you faithfully throughout all of Europe, and a good part of Asia, when you went backpacking for a year in your early twenties?

Whatever your situation or needs, travel luggage needs to change as you change. If you have a family, you need to have a range of suitcases, bags and backpacks to cater for each family member. Or, what if you are now a high flying executive? That dusty suitcase you were dragging behind you five years ago when you were starting out in business, simply won’t do now.

Luggage is an important expression of your personal style and taste. Indeed the most fashionable travelers simply regard their luggage as an extension of their wardrobe - additional accessories to co-ordinate with their overall “look”. And while not everyone can afford a cupboard full of Louis Vuitton, there are plenty of classy and highly practical brands that speak of quality, elegance and panache.

When choosing new luggage it is important to think through the likely uses of the bags or suitcases you are buying. For instance, if you are planning to do regular short business trips, you will naturally opt for smaller, compact cases that will be easy to carry or drag behind you. Indeed many seasoned business travelers choose bags that are small enough to take onto planes as carry-on luggage, thereby saving themselves the delay of waiting for their luggage to be unloaded when they are arrive at their destination.

Ideally, you will buy a selection of larger suitcases for those longer trips away, as well as a variety of smaller bags. It is always advisable to add a soft bag to your collection since soft bags come in handy when packing the car boot for long car trips. If you expect to be packing sports items, there are plenty of very good, jumbo sized carriers that take all manner of sporting goods, from baseball bats through to hockey sets.

Shopping for luggage is easy when you know what your needs are. Just be to think down the track though, because good quality luggage should last for years. If you expect that your needs will change, be sure to choose luggage that is multi-purpose and flexible.

The value in value investing

With roots that date back to the 1930s, value investing is a price-driven discipline that seeks companies whose shares are selling at a discount to their true, or intrinsic, value.

While growth-oriented investors focus on firms whose earnings are growing at a rapid pace, a quality that makes them highly sought after, value investors seek companies that are temporarily out of favor. Their shares may be depressed due to factors ranging from company-specific issues to shifting investor sentiment, poor economic conditions, cyclical trends or an overall market decline. Sometimes they're being ignored by the market for no good reason.

Over the past 25 years, three factors have amply made the case for the value style of investing: performance, diversification and risk control.

* Performance: First and foremost, value investing as a strategy has done well over time, rewarding investors with strong risk-adjusted performance. That has certainly been true over the past quarter-century.

Additionally, it is important to note that dividends have and continue to be a significant component of the stock market's total returns - and particularly those of value stocks. In fact, according to Ibbotson Associates, a leading authority on asset allocation, dividends contributed, on average, 44 percent of the stock market's total return from 1926 through 2003.

Diversification: Over time, value and growth stocks have tended to move in different cycles. When growth stocks are in favor, they tend to outperform value shares, and vice versa. That knowledge encourages many investors to construct portfolios employing both value and growth strategies, helping to ensure that they have equity investment with the potential to perform in changing market environments.

More to the point, the value strategy has more than held its own against its growth counterpart. Value's outperformance has been particularly pronounced in recent years. From March 2000 through December 2004, value stocks, as measured by the Russell 1000 Value index, topped their growth counterparts as measured by the Russell 1000 Growth index by nearly 17.5 percentage points annualized.

* Risk control: By their nature, value stocks generally tend to be less volatile than their growth counterparts. In addition, because their shares are typically selling at depressed prices, value firms are better positioned to withstand market declines. Meanwhile, shares of growth companies normally have higher earnings expectations built into their prices and thus are subject to wider price swings as those expectations change.

American Century introduced its first value portfolio in 1993, complementing its long-standing efforts in the growth field by offering equity investors a lower-risk investment style. More than 11 years later, American Century's stable of value offerings has grown to six funds, totaling more than $14 billion in assets.

Stu unger rise and fall of a poker genius

Stu Unger is one of the biggest superstars to have immerged from the professional poker world. Besides being a true poker genius and a three time World Series of Poker champion, Stu Unger had a fascinating life story. It was not surprising that after his death Stu was the subject of a biography and a biopic.

Stu Unger lived the life of a rock star including the quick rise to fame, the drugs, the comeback and the unavoidable death at an early age. Here you can read about the life story of the legendary poker player Stu Unger.

The Beginning

Stuart Errol Ungar was born in 1953 to a Jewish family who lived in Manhattan on the Lower East Side. Stus father was a well known bookmaker and his mother was too ill to fight against her sons fascination with gambling. After the death of his father, 13 years old Stu had found a father figure at his neighbor Victor Romano, one of the infamous Genovese family soldiers.

Stu and Romano had at least one thing in common: they both had an incredibly sharp memory, which was mainly used in poker and gin games. By that time, Stu was already an accomplished gin player who had gained vast experience in winning gin tournaments. Stu dropped out of school to become a full time gin rummy player. The Genovese family had benefited from Stus talent. In return, they provided him protection from other gamblers who found themselves offended by his harsh and arrogant playing style.

The Rise

As a professional gin player, Stu had managed to beat all the professional gin poker players around. According to the rumors, Stu caused Harry Yonkie Stein, one of the best players around to stop playing gin completely after beating him in a gin match. Since he was out of proper competition, Stu decided to focus on playing poker professionally. In 1976, he and his girlfriend relocated to Las Vegas where they got married and had a girl, Stephanie.

In 1980, Stu won the World Series of Poker Main Event after beating experienced poker pros such as Doyle Bronson. Stu was the youngest WSOP champion in history and was nicknamed The Kid. Even though Stu won the 1981 WSOP Main Event, he still considered himself more a gin and rummy player than a poker player. After winning his first WSOP championship title, he was quoted saying that the poker world would meet better no limit players than him, but no one will ever be able to play gin rummy better than he does.

At the same time, Stu had tried to use his skill to grab money at the blackjack table. Nevertheless, the casinos were not happy with Stus presence around the blackjack tables and he was constantly barred. In 1982, he was fined by the New Jersey Gaming Commission for cheating, although Stu has not done anything illegal but using his natural skill and phenomenal memory.

The Fall

In 1990, Stu made another appearance to the WSOP. This time, he was heavily into drugs. He was a chip leader for the first three days of the event and then disappeared. He was found lying at his hotel room, unconscious from a drug overdose. However, it did not stop him from finishing ninth and earning enough money for his future cocaine supply.

The Comeback

After seven years of disappearing from the professional poker circle, Stu had returned to the WSOP. In 1997, he was broke, with damaged nostrils from cocaine abuse, addicted to horseracing and sports gambling, but still in shape to beat all the new contestants and gain back his WSOP Championship title. The local media was happy to embrace The Comeback Kid, but his success did not last long.

The Death

Stu Unger did not attend the 1998 World Series of Poker since he could not get the money to pay the entry fee. Seven months after Scotty Nguyen won the 1998 WSOP, Stu Ungar was found dead at his motel room in Las Vegas with 800 dollars in his pocket. Apparently, he died of a heart condition caused by years of drug abuse.

The Biography

Read: One of a Kind: The Rise and Fall of Stuey The Kid Ungar, The Worlds Greatest Poker Player written by Nolan Dalla, Peter Alson, Mike Sexton.

Watch: High Roller: The Stu Ungar Story directed by A. W. Vidmer and starring Michael Imperioli, Christopher Moltisanti of The Sopranos, as Stu Unger

Secured loans and secured lending - what is it all about

Secured loans are the most common forms of lending. Secured loans protect the lender from losing the money that they lend because they are protected by some asset or other collateral. In the case of a secured home loan, for example, the home itself is the collateral.

If the borrower does not pay the secured loan, the lender puts a lien on the property and the home can be returned to the ownership of the borrower if the secured loan is not paid in a timely manner.

Auto loans are often secured loans. If financed through the auto dealership, as in the case of the buy here, pay here used corner auto lot, the borrower who defaults gets her or his car towed back to that dealership and has nothing to show for the money paid for it so far.

For new cars the secured loans are generally made through the standard banking lenders, which really means the bank lends the money to you but gives the funds to pay for the vehicle to the dealer. If your secured loan defaults the bank repossesses the car and then sells it to recover the lost money.

Secured loans are the primary way - and quite often the best way - to receive a great deal of money quickly. If you are willing to use your home or other assets as collateral, that secured loan seems nearly risk free to that lender.

It is not only purchases of new items that are financed through secure loans, however. If you get a line of credit based on the equity in your home or a second mortgage, you are probably doing so for things like a college education, to start or expand your own business, to improve or add on to your home, or for an extended vacation.

These secured loans are given based on the equity you have in your home (its market value minus the outstanding balance on your original mortgage.) This is generally considered the most secure of loans in that your lack of timely payment could lose you the roof over your head.

People often take out secured debt consolidation loans, with their personal property or their home as collateral. These loans are generally to pay off some high interest bills such as credit cards, by replacing them with a lower interest debt consolidation loan.

This is usually a wise secured loan for the borrower, and a very low risk loan for the lender. Not only is the borrowers most prized possession in jeopardy if she or he defaults but she is borrowing for a solid and sensible reason - to save money.

Unsecured loans generally cost more because the risk is greater for the lender. The interest rates on unsecured loans such as higher education loans have high interest rates.

If you do not want to risk your home or other property as collateral and apply for an unsecured loan instead but are turned down you may very well still qualify for a secured loan. While you have to put up your home or other property as collateral to do so, the good news is that it is generally going to cost you less in the long run.

Physical requirements for patients of gastric bypass surgery

There are several requirements for patients of gastric bypass surgery. This is to ensure that the major surgery isn’t performed unnecessarily or on those with very high risk factors. Be aware that gastric bypass is a major surgery and you will be in much pain, experience many changes in your body and have to adapt to a new lifestyle.

Initially a gastric bypass surgery is only an option for those with a body mass index of forty or higher. Your body mass index is a general measure of whether your body weight is healthy for your height. A BMI of forty or higher indicates that you are obese and would benefit from a gastric bypass.

A surgery of this kind is not available to everyone with a body mass index this high though. You need to have tried for sometimes up to two years to lose weight via alternative methods, such as dieting before a doctor will consider this last resort method.

In addition a doctor will consider the following requirements when discussing this surgery with you. Whether you have been obese for five years or more. They will make sure you do not have a history of alcohol abuse or an untreated mental condition such as depression. As these conditions can make it harder for you after your surgery and may be part of the root cause for obesity in the first place. You should be relatively healthy in order to undergo the surgery and have a reasonable chance of survival and success. You should also be between the ages of eighteen and sixty five. Any younger and a doctor will insist that you keep trying other methods of weight loss. Any older and an ethical and experienced surgeon will begin to question the plausibility of survival for the patient.

Get published to make money and get rich online

There are indeed a lot of ways to make money on the Internet. Now, people are selling and buying information over the Web. Find out how this works.

The Internet is not called the “Information Superhighway” for nothing. You may be focused on your goal to get rich from the Internet that you’ve forgotten why people log on to the World Wide Web in the first place. The truth of the matter is, the Internet has now become the world’s primary source of information. People go straight to the Web when they need information about something. This is what the people who’ve managed to get rich by selling information online had in mind.

There are a lot of ways to get rich online, and one of them is to write, publish, and sell your own e-book. In selling an e-book, you are not just selling a book. You are selling information. If there is something you are knowledgeable about, and you think you can manage to write an e-book on the topic, you can easily be one of the many people who can get rich through this online money-making opportunity. There have been many others, and they have sworn to make money by selling information. You, too, can get rich by writing and selling what you know.

You’re probably wondering whether you have what it takes to write an e-book. Don’t worry, though. Many non-authors or people who have no technical expertise in writing have claimed that they have published their e-books and make money out of it. This is true. What you need, however, is to think like a buyer to know what kind of information will be valuable to them. What do people want to know about nowadays? It’s a good thing, then, that you don’t have to grovel for this information. Surveys have been conducted regarding what people want to know, and results show that naturally, people want to know how to make money. Now, there’s a very important lead, so start writing and get rich now.

But is writing down what you know all there is to it? If there have been many people who succeeded in writing and selling e-books online, there are also those who have failed. To avoid being one of these people, there are some things you need to know. In selling your e-book, you can’t just put it out there and expect people to flock to it. Obviously, you have to market it. You have to drive traffic to your website, price the e-book right, build links to your website, and give interested buyers an easy way to purchase your e-book right away. Most importantly, you have to build your credibility so people would think they will get valuable information out of you. There are many ways to do this. As a new e-book author, this may be harder, but you can try setting up an online portfolio that people can browse through. As you start selling e-books, however, you can get your past buyers to write testimonies for you and your e-book. This way, people will have more bases on why to buy your e-book. If you market your e-book the right way, there is no doubt that you can make money and get rich because of it.

If you think that this money-making opportunity can work for you, why don’t you start now? If you are still mulling over the “writing” part, why don’t you start with an e-booklet or e-pamphlet? Once you start to make money by selling information, you definitely won’t want to stop. Several successful e-book authors and sellers have gotten rich. Now, it’s your turn to get rich.

Timeshare-let us give what the kids want

It actually makes great sense for the kids. In previous articles we have told the story of the Mark Hopkins hotel in San Francisco. For those who missed it, the 1942 nightly rack rate was $5.00 single and $7.00 double. By 1974 it was $45.00 and $55.00. Last year it was $210 to $270 single or double depending on location. Carrying that price increase forward another 50 years will set the price at $9,058.00 per night!! Can't happen, you say? It did happen and there is absolutely no reason it won't happen again. Now what will the kids think of you when they are saving this kind of money down the road? They will think their parents were just about the brightest people in the whole world and they will think that every time they vacation. What a great legacy!!

Why, then don't they want it now? Even for free? Well, you think back. Several years ago did you wake up one morning, look at each other and say, "This is sure a great day to go out and buy a timeshare?" We all know that didn't happen. No, you went out not to buy, but just to pick up your free car, Hawaiian vacation or other "free" gift. After you had left the sales presentation, you said, "What happened?" Not only had you paid for your own "free" gift, but you had also paid for those of the other nine people who didn't buy. You probably didn't give a lot of logical thought to this purchase as you were intentionally swept away by the slick emotional sales method employed.

So now you offer it to the kids and they decline. Why is that? It is almost always the cost of upkeep that the kids focus upon. The dues of from $350 to $500 and taxes of from $30 to $90 knock them out. They can't envision spending that much on a vacation. The fact is that they will probably spend a lot more than that even now for a product that isn't one tenth as good. But the reality is that they have not been sold the product. How many parents will become salespeople to their kids to show and sell them on the advantages of the product before it is offered?

Part of it is timing. If the kids are too young or really financially struggling, it is not a good time to offer the gift. Wait until they don't have those kind of pressures. Also, have you used the timeshare as a family? If not, how could they know how good it is? On the other hand, if they have used it with you as kids and really enjoyed it, and if they now have kids of their own and are struggling with the ever-increasing cost of vacations, their reception will be much different. Timing is everything.

Don't neglect the selling of the benefits. Before offering it to them, open the RCI or Interval International catalog and show them all the neat places they can go. If you have already taken them to some of these, it will just be that much easier. Don't overlook the fact that you should really be able to offer one to each of your offspring. Fortunately, resales offer the opportunity to pick up these additional timeshares at a fraction of what you originally spent. And what a gift it is!! They talk about the gift that keeps on giving. This is one that will provide your children with a lifetime of pleasure. And their children after that.

You might also clip out this article for your kids for the time when they will pass it along to their children.

One final caution. Don't just add their names to the Deed! In disposing of resale timeshares one of our worst problems has been straightening out improperly deeded property. In some cases it has resulted in the property being unsaleable. In one case a mother just added her four kids names to the deed without any thought to their spouses some of whom were ex-spouses by the time we got into the picture. A nationwide manhunt insued to find the ex-spouses and talk them into signing a quit claim deed. Don't forget that most timeshares are in fact real property and follow those rules. You are almost always better off obtaining the services of a professional.

The lifetime value of timeshares is just starting to be realized now. It will still take a few more years before it is completely obvious to everyone. When it does, the value of resales will increase dramatically.

Becoming an owner driver getting started as a courier

Getting started as an owner driver is easy, and has the advantage of potentially becoming profitable pretty quickly due to the lack of overheads. However, there are some things to consider as you start, and this guide hopes to show you the kind of things you will need and the pitfalls to avoid when going freelance and becoming an owner driver.

What You Need:

Firstly, you need a vehicle. This is pretty damn obvious for anyone getting started as an owner driver, but it is still worth stating. The vehicle should be no more than six years old and can actually be of any size really – though if you’re serious about making this work, then investing in a larger van (as opposed to using a hatchback car) will allow you to transport larger loads, and thus charge more.

Secondly a mobile phone is all important for new owner drivers. These days, people who don’t own one are something of a rarity, so this shouldn’t be an issue: All the same, it’s important to be able to keep in touch with others from the road, so getting hold of such an ‘unusual’ and ‘exotic’ device is all important.

Finally, owner driver insurance is all important. The array of options can be confusing, but there are three types of insurance you need to look into, which I shall deal with now:

Get Insured

Courier insurance is all important for new owner drivers. There are three types of insurance you need to look into:

Vehicle Insurance

Any vehicle on the road must be insured – that’s a legal requirement which most people are aware of! When you contact the insurance company, a common temptation is to say your vehicle is for business use – but actually be sure to specify that you need it for courier use. The difference is that you will be carrying goods for others for profit, and this will affect your quote, and any subsequent claims you need to make!

Goods in Transit Insurance

It’s worth stumping up the extra cash for ‘Goods in Transit’ insurance as well. This will protect your cargo against loss and damage, generally covering you for goods up to a value of Ј10,000. Your main insurance company might cover this, but if not, then it’s very easy to get this from specialist courier insurance dealers. This is especially worth considering for new owner drivers, as it makes you seem more legitimate and people will be more comfortable dealing with you.

Public Liability

This one may not be as necessary as the other two, but is still worth considering, especially for new owner drivers with butter fingers! This will cover you for incidents involving your customers, for example if you drop their same-day-delivery box of anvils on their foot…

While not strictly insurance, it’s also worth mentioning at this point that as you’ll be self employed, new owner drivers need to sort out their taxes with the Inland Revenue and arrange any credits they may be entitled to. At this point it may be worth hiring an accountant who will know how to save you money by understanding what expenses you can claim. Alternatively, if you know book keeping, there is nothing to stop you from managing your own finances, if you’re not too busy with all the owner driver jobs you hope to be inundated with!

Getting Your Name Out There

So, now that your finances are all (hopefully!) sorted out, how do you go about finding your first owner driver jobs? Well the first step is getting yourself listed in local directories – the Yellow Pages and Thomson Local directory are a good start, as is putting an advert in the local newspaper. It’s also worth joining a freight exchange like ours, as this can help you get owner driver jobs and backloads as well as keeping your running costs down. Some freight exchanges also provide a helpful community if you need help or advice.

Print some professional looking business cards, and don’t be shy about handing them out – you never know when you might get an owner driver job from them!

One unusual way of getting business is to contact other couriers in your area. At first this may sound like an unlikely solution, but the truth is that if your rivals can’t complete all their work in one day, then they will be happy to have your help, rather than risk losing their reputation for timely deliveries. If you can get on the sub-contraction books of a few local couriers, you may find this provides a steady stream of ‘one-off’ owner driver jobs to keep things ticking over nicely.

A web presence is useful as well, but in the early days of your operation you may find the costs involved in setting up and maintaining your site are going to cost more than the traffic they bring in, so I would suggest you save this for when your business has picked up a little.

Getting Paid

A tricky one to answer is the question of how much you should be paid. Unfortunately, I’m not able to give a definitive answer as to how much you should charge for each owner driver job, as it very much depends on the region you work in and the size of your vehicle.

Generally, owner drivers charge per mile on the outbound journey, and at a discounted rate on the return, but a good way of picking the right price for you is to check out the cost of hiring your local rivals and working from there.

Becoming an owner driver can seem a little daunting at first, but sticking to this basic framework should ensure that the first few months run smoothly. This should give you the solid foundations you need to begin earning the type of money the profession can offer, and can potentially see you expanding your operation over the following years.

Zyrtec prevents sneezing runny nose itching and watering of the eyes

Drug Uses

Zyrtec is an antihistamine. Antihistamines prevent sneezing, runny nose, itching and watering of the eyes, and other allergic symptoms. Zyrtec is used to treat allergies, hives (urticaria), and other allergic inflammatory conditions.

How Taken

Zyrtec comes as a tablet to take it orally. It usually is taken once a day. It may be taken regularly or when allergy symptoms flare up. Follow the directions on your prescription label carefully, and ask your doctor or pharmacist to explain any part you do not understand. Take Zyrtec exactly as directed. Do not take more or less of it or take it more often than prescribed by your doctor.

Warnings/Precautions

Before taking this medication, tell your doctor if you have kidney or liver disease. You may need a lower dose or special monitoring during your therapy with Zyrtec. Zyrtec is in the FDA pregnancy category B. This means that it is unlikely to harm an unborn baby. Do not take Zyrtec without first talking to your doctor if you are pregnant. Zyrtec passes into breast milk and may affect a nursing baby. Do not take Zyrtec without first talking to your doctor if you are breast-feeding a baby. If you are over 60 years of age, you may be more likely to experience side effects from Zyrtec. You may require a lower dose of this medication.

Missed Dose

If you forget to take a dose, do not take an extra tablet to catch up for the dose you forgot. Wait and take your next tablet at the regular time. Do not take more tablets than your doctor prescribed.

Possible Side Effects

Stop taking Zyrtec and seek emergency medical attention if you experience an allergic reaction (difficulty breathing; closing of your throat; swelling of your lips, tongue, or face; or hives). Other, less serious side effects may be more likely to occur. Continue to take Zyrtec and talk to your doctor if you experience sleepiness, fatigue, or dizziness; headache; or dry mouth. Side effects other than those listed here may also occur. Talk to your doctor about any side effect that seems unusual or that is especially bothersome.

Storage

Store at 20-25°C (68-77°F); excursions permitted to 15-30°C (59-86°F).

Overdose

Seek emergency medical attention. Symptoms of a Zyrtec overdose are not well known, but extreme sleepiness, confusion, and weakness may be expected.

More Information

Use caution when driving, operating machinery, or performing other hazardous activities. Zyrtec may cause dizziness or drowsiness. If you experience dizziness or drowsiness, avoid these activities. Use alcohol cautiously. Alcohol may increase drowsiness and dizziness while you are taking Zyrtec.

The world s greatest lie

"Everyone believes the world's greatest lie..." says the mysterious old man.

"What is the world's greatest lie?" the little boy asks.

The old man replies, "It's this: that at a certain point in our lives, we lose control of what's happening to us, and our lives become controlled by fate. That's the world's greatest lie."

(An excerpt from The Alchemist by Paulo Coelho. A fable about following your dreams.)

Do you believe you have no control over your life? Are you who you are today, by choice or by fate? Will a change in your actions create a change in your life? Many people have given up on their dreams... they say, "Dreaming is only for the rich. When you have money, you can dream. When you have no money, don't dream."

That's true... not everyone is lucky enough to be born with a silver spoon. If you are lacking in funds, it's going to be difficult to start living life the way you want to. Money buys you freedom to follow your passions. But you don't have to give up on your dreams, just because you lack money. Depending on where you are brought up, you will face limitations depending on your family finance, culture, and environment. Some of us are born to have easy lives, while some are born to take a more challenging path. Perhaps the limitations and obstacles you face today are part of your journey -- you must overcome them to grow stronger on the path to achieving your goals.

When we are young, we all seem to have clear idea of what we want to be when we grow up. But somewhere along the way, these dreams get buried under the reality of daily living. The focus shifts from 'living the dream' to just 'finding a good job with a stable income'. "Survival first", as they call it. The sad part is that many people spend much of their lives doing what they don't like, so they can finally earn enough to start doing what they do like. I say, that's a great way to bury your happiness and turn into an economic slave. Doing what you dislike, day after day, will numb the sense of joy within you. Soon you will feel that your life has no greater purpose, and there is nothing to look forward to but work, work, work.... You will have forgotten how much fun it is to spend your time doing the things you like to do.

*~The Secret to Living Your Dreams~*

It's painful if you don't make enough money to live comfortably. But what’s more painful is if the work you do has no meaning to you. Everyday you can drag yourself to work, perform meaningless actions, and then drag yourself back home. Apart from sleeping, work takes up the majority of our time. So if you're not enjoying your work, you're not enjoying your life. And life is so short, isn't it? We probably have less than a hundred years to make our mark in this world. And you never know... you fail to look while crossing the road and BOOM! You could be gone tomorrow. So why spend your life doing something you don't like to do? We don't slog three-quarters of our lives just so we can enjoy one-quarter... we might not live that long. Realize that the essence of your life is happening right now -- you are walking a path; making your journey through life. And if the work you do, is not designed to help you fulfill your higher purpose in life, then perhaps you are walking in the wrong direction. No point taking this path... change direction.

For your dream to stay alive, you have to act on it. It's like a fire that grows brighter and stronger if you fan its flames and keep adding wood. If you leave the fire alone, never doing anything to keep it alive, it will burn itself out. When you fail to act on your dreams, they die.

A little girl called Leanne wants to be a ballerina. But her family is poor and unable to afford the fees of the fine arts dance school. Her father tells her not to dream because dreaming is only for the rich. But her mother says, "Lea, you can be whatever you want to be. As long as you put your heart into it, and never give up. Always hold on to your dreams because when there's a will, there's a way."

Leanne remembered her mother's words. She paid her way through a college degree in the fine arts, using money she earned from working full-time. She was talent scouted by the Royal Dance and Music Theatre of England, where she began her illustrious career as a ballerina. Earning in British pounds, she made more than enough to support her family and give them a comfortable lifestyle.

Leanne had a choice... to fervently believe in her dreams, and do whatever it takes to achieve it, or believe the World's Greatest Lie... that at some point in her life, she lost control, and fate took over. She had to have the courage to step up to her dreams, and not give up just because she lacked money. If she listened to her father and put her love aside because dreaming was only for the rich, then she wouldn't have lived to experience her passion. She would pass on from this world, with the music still left within her... buried under some obscure belief that she could never make money doing what she loved to do.

There is music within you, and you only need to coax it out. The daily grind forces us to forget what we love to do. Imagine you're retired… You have enough money to live comfortably, but not to splurge. How would you spend your time? What activities would you find purpose in? What would you do to amuse yourself? If you have an idea of what you would love to do but are not doing, then schedule some time everyday to do it. Making time for what you love is just like fanning the flames of your passion -- the fire can only grow stronger. It's what will bring a sense of purpose and meaning into your life; that spark of joy and wonder.

The happiest people are those who enjoy their work. They've managed to make money doing what they love to do, just like Leanne. And this can happen for you... if you are willing to reject the World's Greatest Lie. Realize that you always have control over your actions, and therefore your results. The only time your start to fail in life, is when you stop believing in your ability to make a difference. You don't need a silver spoon; you don't need to be a genius. What you need is a sincere belief in yourself and willingness to take action towards your dreams. Believe me, you have what it takes. Just follow what British Prime Minister, Winston Churchill said in World War II: "...never give up, never give up." And you'll win the war.

Some basic home business productivity tips

Once they are in the ClickBank data base webmasters like you and me who are looking for good content and commissions from our web sites can join their affiliate programs and start earning money from sales generated.

Starting an online business is just like starting a traditional business. You have to invest in time and money. Just like traditional businesses some online businesses end up being failures. Success is not an overnight process and there is no guarantee that everyone will have the same success. Anything can be sold on the internet.

Allying a company with several other high volume companies means the company has increased visibility with all of the other companys customers or potential clients. This increased visibility lends itself to increased hits on the companys website, and those increased hits increase the opportunities for sales. One of the biggest questions I see all over the internet these days is: "Is Affiliate Marketing an Online Money Marketing Scam?" If you have spent any time looking for ways to generate extra money from home, I am sure you have seen this many times. Before I try to answer this question, let's step back and explain what affiliate marketing really is.

Get Ahead and Succeed: Some Basic Home Business Productivity Tips

You finally did it! You’ve taken a brave, big step and have started your own home-based business.

There’s no turning back at this point, and the stakes have undeniably been raised. It’s time to reap the rewards of your courage and hard work. It’s time to earn money. It’s time to get productive.

Here are some tips to help you increase the productivity of your business and receive what you deserve from your home-based business.

Make a schedule and stick to it.

Having flexible hours is one of the best benefits of running a home-based business, but it can also lead to the failure of your business if you don’t know how to manage your time.

Don’t think that just because you control your own time, you don’t need to keep a schedule or stick to a routine. Set a particular time of the day for your business, say every morning from 8 to 12 am. This is especially important if you’re still getting used to working at home. And as much as you can, stick to that schedule. Don’t be tempted to put off your work for a later time in the day because “something came up”. Something will always come up with that kind of attitude. All you have to do is devote a certain number of hours everyday to your business, and you can spend the rest with your family or for leisure activities.

You then need to get your product or service noticed. This means you need to do some internet marketing and advertising of your business. There are many ways to do this. Start this by building a website of your home based business. Make sure the website is easy to navigate with eye catching designs. Have descriptive information and pictures about your product or service as well. Learning from people who are successful will drastically speed up your learning curve and help you achieve your goals. There are many tactics and strategies that you must know about before you start promoting any affiliate program. This actually will save you a lot of time and money, because you will know which systems or advertising methods will bring profit and which will not. Full reviews on Making Money Opportunity here. Proven Money Making Opportunity as seen on CNN Money, CBS and Forbes.

is a lie because the same gurus spend sleepless nights working on the products they sale you. The truth is that for any business to succeed there should some investment in time and money.

As you can see, there is plenty of opportunity here to make money, legitimately. There is no con involved. Nothing illegal involved. Just good business practice. So is making money online through affiliate marketing a scam? Absolutely not!

Avoid distractions.

Don’t work in front of the TV or while listening to the radio if you feel that doing so would distract you. Just because you’re free to do whatever you want while you work doesn’t mean you should do whatever you want. Fulfill your business activities for the day in a conducive area of your home, and until you’re done with them, keep away from those things that might distract you.

Set goals for your business.

You may have one big goal that you plan to achieve in the long run, but it’s also wise to keep less grand and short-term goals. You may aim for one objective daily, for instance, sending out emails to potential clients on Monday, or finalizing your business portfolio on Tuesday. Your short-term goals should also help you achieve your long-term goal.

Have fun.

Avoid being stressed about your home-based business – the reason why you got into it in the first place is because you wanted to be free from the regular troubles of your previous job. Deal with the complications of running a business with passion and determination and you and your business are bound to them with success. Best Money Making Opportunity as seen on CNN, CBS and Forbes! Full details at money-2007.info

There is one strategy for success though, that goes against the mainstream philosophy that business should be every man for himself. Affiliate programs afford internet businesses a cost-effective means of making money that utilizes similarities with other high volume companies rather than pitting each company against the other.

You can list sales, promotions, discounts, and descriptions of your product or service. Be sure to include links to your website and affiliates. You can also send out free ezines or free information about your product or service. Be sure that the information is relevant and valuable to the person who receives it so they are further enticed to visit your website.

The success of an affiliate program depends on selecting the right product and the advertising accompanying it

A great way to make some extra money is to get involved in a legitimate home-based business. Some of these businesses do require an initial investment, but the potential income makes this small investment worth it. My favorite business opportunity right now is a legitimate

Business credit cards are on the rise

With the number of small and home businesses growing at such an incredible rate, it is no surprise that business credit cards are making more of a showing these days in the market place. It was not long ago that small business owners had to depend on small credit lines or business loans from banks to manage cash flow on a monthly basis, which could be tedious and costly. This meant spending more time doing paperwork for the bank, and less time managing the business.

The release of business credit cards has helped to alleviate these problems. About 65% of all small businesses are currently using business cards, and this number is only going to increase. Most major creditors now have a business credit card offering, and availability is increasing by the moment.

Business credit cards bring several powerful advantages to the table for the small business owner, including:

Cash Flow Management - The number one concern of almost every business owner is cash flow. A bad month can bring down an entire quarter is the business has no means to float itself through a rough time. Business credit cards can be a key element in making through a rough patch.

Credit Rating Increase - The credit rating of a business can mean more than just financing. Customers may not want to do business with a firm that has a poor credit history, and corporate growth will most certainly be delayed if not stopped entirely. Business credit cards used in a responsible way can help build the overall credit rating of the firm, as well as help open new avenues of financing down he road.

Spending Control – Giving employees the ability to make purchases for the company on the fly can help streamline day to day business. This of course can also open the door to inappropriate expenditures, or simply over spending on needed items. With a little management these problems can be easily overcome, and recording as well as reporting corporate spending will be all the better for it.

Business Taxes – For home based and small businesses credit cards offer the opportunity to consolidate all corporate spending. While a larger business would be hard pressed to do this, there is no reason every business expense incurred by a small business couldn't be placed on a credit card. This means all corporate spending is managed through one sources, and when tax time comes around it is a simple matter to record.

Rewards Programs – Using a business credit card to manage all corporate spending is a good way to earn bonus packages from rewards cards. Air miles and cash back incentive programs really add up if you are routing your business spending through one card.

Business credit cards are an indirect way to help solidify your firm in the mind of your client. Take them to lunch and pay with the corporate card. This shows a certain level of stability and depth to a possibly new firm, and also helps to increase your credibility.

From cash flow to taxes, to a greater level of spending control, business credit cards provide a valuable service to any size firm. As with all credit cards, care must be taking when managing their usage. For all the good they can do for a business, they can also cause problems when mishandled.

Sinus infections fungus may be to blame

:
Sinus Infections also known as Sinusitis affect millions of people each and every year. A sinus infection is literally an infection of your sinuses, which are hollow passages or cavities inside of your head.

These sinus cavities can become a breeding ground for bacteria, viruses or fungus. In 1999, The Mayo Clinic released its findings that fungus is likely the cause of nearly all cases of chronic sinusitis.

Sinus infection symptoms can include Facial pains, tenderness of the sinus areas, headaches, nasal drainage that is thick and colored, sore throat and many other symptoms.

Antibiotics do not work against fungus. Colloidal silver kills both fungus and bacteria. Therefore, treating a sinus infection with antibiotics is not always an effective method.

Colloidal silver is also a very safe and natural solution with no know side effects other that a rare occurrence of Argyria.

Silver Sinus colloidal silver solution is pure colloidal silver in a fine mist nasal spray bottle.

If you think that you might be suffering from a sinus infection, you should visit your doctor for a proper diagnosis.

Because your nose can get stuffy when you have a condition like the common cold, you may confuse simple nasal congestion with sinusitis. A cold, however, usually lasts about 7 to 14 days and disappears without treatment. Acute sinusitis often lasts longer and typically causes more symptoms than just a cold.

Your doctor can diagnose sinusitis by listening to your symptoms, doing a physical examination, taking X-rays, and if necessary, an MRI or CT scan (magnetic resonance imaging and computed tomography).

For more information about sinus infections, sinus infection symptoms, what are sinuses and other sinus resources please visit Colloidal Silver Sinus Infection Treatment.

Mortgage payment protection cover should be bought from a standalone provider

Mortgage payment protection cover can work but it has to be given some very serious consideration as there are exclusions within a policy that could mean you wouldn’t be able to claim. And depending on where you purchase it, it can add thousands onto the cost of your mortgage if you choose wrongly.

When taken out correctly, mortgage payment protection cover could pay out a tax free income each and every month usually starting from your 31st day of being out of work and continuing for up to 12 months (with some providers, for up to 24 months) enabling you to met your mortgage repayments. Mortgage payment protection cover can be taken out to guard against coming out of work due to accident and sickness only, unemployment only or accident, sickness and unemployment together.

Some of the most common exclusions include being self-employed, retired, only in part time work and suffering from a pre-existing medical condition. Of course there are many others and they will vary from provider to provider so it is always essential that you read the small print and key facts of a policy before buying it.

When it comes to the premiums charged this varies too from provider to provider and the cheapest quotes can always be found with a standalone mortgage payment protection cover provider as opposed to the high street lender.

A standalone mortgage payment protection cover provider is usually more ethical than the high street lender and will ensure that you are given all the information needed to make sure you make the best choice when it comes to the product’s suitability. Mortgage payment protection cover can be a valuable product and it doesn’t have to cost a fortune, so shop around, read the small print and choose wisely and you shouldn’t go wrong.

Watching volleyball videos

The videos of observation of volley ball can seem as the majority of pre tedious aspect of preparation of play but as the majority of the things just must know to you TO DO the work for you to HIM.

Usually there are two basic reasons for which a trainer has you to observe videos of volley ball... in preparation of a nearest play or with becoming better to carry out a particular fundamental principle of volley ball. It easy to obtain alleviated in or lost in the moment of the play on the small screen but instead of observing each play right to say the hey I finished observing to it video selection a particular fundamental principle of volley balls which you must improve and observes best one or two players to still carry out this fundamental principle on several occasions.

If you must improve your service of volley ball receive competence or of the pass the ball the better part then that of the play which you must concentrate on observing of other more experienced players made. Unless your trainer of volley ball informed you to observe something (as the manner a team plays the defense or the manner of the transitions from a player in addition to net) concentrate in particular on observing a better player carry out the competence which you need to work at the maximum. How does it do that?

What do they make? How are they held while the waiter always has volley ball? Do they have a stage of stammering or jump to bell-foot jump while the ball crosses the net? Which foot is forwards? Is their higher body directly to the top or tapi more? Are they with legs right or are in light position squatted when they are useful receive?

It is what arrives at me when I'm observing a video of volley ball...

I'm observing some one be useful receive... the watch de. I this player carry out the good competence or technique of volley ball several time and more still. I want to take that the scene and the catch that visual with me thus I start to play this scene on several occasions in my head. I start to visualize this player making the same thing in my spirit after the observation stopped by I've. When I go to the house, when I go to the bed, when the dishes of washing of I'm, before practical that I obtain used to see this player make the service receive correctly in my spirit.

Then... I start to hear that the words of my coach on the way in which with made this competence correctly. So much then I hear my trainer of volley ball, I hear that my trainer say the step to the ball , present my platform , with the use my legs , and I maintenances to hear the words of my coach of volley ball on several occasions like a tape recorder in my spirit. It is really pleasant well with easy because when you aren't carrying out a competence correctly WHICH IS when your trainer starts to howl with you in any event? What they howl with the top of their lungs already exists in your spirit thus you beginning right playing this mental videotape of volley ball, on several occasions.

Then little by little two what I SEE in my spirit and what I hear in my principal beginning gearing together. When I rejoue this without interruption in my spirit these two things start to come together where I form a mental film of volley ball of my clean. When this mental film starts to play then afterwards during some time my body starts to answer the mental voice which I hear and the mental one to describe playing I've.

My body starts to make the things which I had prepared on several occasions still in my spirit. I start to see me - replace this player and in my spirit I see myself carrying out the passage correctly on several occasions.

And the aspects of the play which I play on several occasions the beginning to become automatic and of me start to make these things physically not simply mentally but really in the true life.

That how I do the work of observation of videos of volley ball for me.

Large It when you can hear a champion of volley ball which played for the commentate of years on the play. Singin Smith, Karch Kiraly, Mike Dodd and houx McPeak make to the comment of color with Chris Marlowe for plays of excursion of volley ball of beach of AVP the pro to television. All these champions of volley ball represent some of the largest players in the history of the AVP and all are after the Olympian ones with the multiple gold medals, silver plated and of bronze in the volley ball of interior and beach. To listen they speak about the play is like going to the school of volley ball. To more do it you... more the player of volley ball better than you can become... les. and that with single direction to make the volley ball of the videos improve your match of volleyball.

Take advantage of home improvement loans and tips on home refinancing

Adding a three-car garage or stainless steel appliances and granite countertops in the kitchen may seem a bit self-indulgent. But remodeling, upgrading appliances, or adding on to your home can potentially add significant value and be a very wise investment. So you can enjoy the luxuries while you’re living in your home and benefit from them when you sell it by capturing a higher selling price or getting your home off the market much sooner.

Since you’re a homeowner, you can qualify for a secured home improvement loan that is tied to your house. The advantage of a secured loan is lower interest rates. But be wary – if you miss payments, your house is used as collateral! On the other hand, an unsecured loan is not tied to your house, but it carries higher interest rates.

While upgrading your home cannot guarantee a higher selling price in the future, certain types of home improvements do tend to have big payoffs. Experts believe there are certain standard features that buyers have come to expect, such as central heating or a garage. If your home lacks these now-standard features, it may be worth the investment to have these installed. You could see the value of your home take a big jump.

Tips on home refinancing

When it comes to mortgages, the littlest things can make a big difference in the amount you pay each month. A small change in interest rates could mean a big change to your pocketbook. Make sure you’re getting the best deal on your mortgage by comparing home loan options and getting quotes from several different lenders. You may find that home refinancing could save you a bundle of money each month.

The way it works is simple. Let’s say you have a fixed-rate mortgage. You know that your monthly payment stays the same, no matter what happens to interest rates. This is great when interest rates are higher than the rates you locked in when you secured the mortgage. But what happens if interest rates drop below the rate on your mortgage? Well, what happens is that you now have an opportunity to refinance your home and lock in those lower rates.

Or imagine you have an adjustable-rate mortgage. When interest rates go down, you’re feeling great, because your monthly payment decreases as well. But when interest rates go up, you’re not a happy homeowner, because your monthly payment also increases. You may find more peace of mind with a fixed-rate mortgage that guarantees your monthly payment will never vary. Or you may be able to find a more attractive adjustable-rate mortgage with better caps on interest rates or lower rates in general.

However, we all know there’s no such thing as a free lunch. Refinancing your home may include upfront costs, or there may be a prepayment penalty associated with your current mortgage. So when you’re considering home refinancing options, you need to factor in whether the long-term financial benefits of the refinancing will make up for whatever charges you have at the time of refinancing.

Loans until the next paycheck

In the world of today, payday loans are as common as instant coffee. If you are desperately in need of some cash before your paycheck comes in, it is quite respectable to look for help to a bank that provides payday loans. This is very different from the days when a borrower was generally looked down upon. Things are very different today. The reason is certainly the expansion of the world of personal finance, and the transformation in the attitudes of the public.

In the world of today, people look for instant gratification. It is not that people no longer try to save up for the bigger investments of life. However, thanks to the rise of credit cards and debit cards and loans of all kinds, we are all more keen to buy things outright. The feeling today is that repayment of loans is no longer a problem. The easy terms of the loan providers have resulted in this attitude to some extent. However, I would say that this is a manifestation of a change in the thought process of people in general. The change in attitude and the easy terms are both linked, each feeding off the other, and it really is quite a task to decide which one came first -- the old chicken and egg question.

One result of this new willingness to apply for and the easy terms on the loans available was the birth of payday loans. Now, the first time that I heard about payday loans, I did not think that it was any better than a gimmick. I felt that it was some kind of a scam to get people more and more entangled in debt, with the end result that they would never again get out of this debt web. After all, if you will only think about it, you will find that almost everyone you know is in the process of paying off either a car loan or a mortgage or both. Now, add a payday loan to the list, and you may be trapped in the net of indebtedness.

Of course, things are not all that bad. First of all, nobody is given a loan without the loan provider's first making sure that the person's credit score is good enough. Moreover, payday loans are really quite a boon to all of us. If you find yourself a little short of cash in the middle of the month but have to pay a major medical bill, they really are a godsend. Getting a payday loan is as easy as walking over to the bank and asking for one. More or less.

10 common symptoms of depression

Every year approximately 9.5 per cent of the American population suffers from depression. Depression is a grave illness that affects day to day life and destroys families. It is a disorder that controls the mind and its functions causing loss of appetite, sleeplessness, mood swings, and a deep sense of despair.

The symptoms of depression are varied and the severity changes with time. And, according to experts depression can be an inherited disorder, or caused by life threatening illnesses, or stress. Other causes are certain diseases, medicines, drugs, alcohol, or mental illnesses. Women are seen to experience depression more than men and this is attributed to hormonal swings, menstrual cycle changes, pregnancy, miscarriage, pre-menopause, and post-menopause.

Common symptoms are:

1. An unshakeable sadness, anxiety, or emptiness.

2. Overwhelming hopelessness accompanied by pessimistic feelings.

3. Extreme guilt, feelings of helplessness, and no sense of self worth.

4. Loss of energy, a slowing down of metabolism, and activity levels. Being plagued by constant fatigue.

5. A sense of helplessness along with an increasing inability to focus and indecisiveness.

6. Loss of sound sleep and development of extreme insomnia.

7. Inexplicable weight loss or weight gain. Triggered by loss of appetite or eating binges.

8. Brooding and suicidal inclinations.

9. Irritability, short temper, as well as restlessness.

10. Physical afflictions like headaches, digestive disorders, and chronic pain for no particular reason.

If you experience any of the above along with a marked change in behavior do consult your doctor. He will give you a thorough examination to rule out physical causes for depression as well as any underlying medical problems. Then if required he will recommend that you consult a psychiatrist or psychologist.

Take matters in hand and try and erase negativity from your mind. Cut out from you life terms like exhaustion, worthlessness, and hopelessness. Change your life by setting yourself a few goals. Try and relax, meditate, and enjoy music. Start new activities that absorb your time as well as interests. Go out and meet people and participate in group activities. Avoid the company of negative people. Make up your mind to enjoy a movie, ballgame, family outing, picnic, or trek. Be positive, self confident, and have faith in yourself. Faith is itself a great healer. Decide to change your world for the better. However do follow the doctor’s advice. Treatment can include: anti-depressant medicines, psychotherapy, as well as lifestyle changes. In extreme cases electroconvulsive therapy or light therapy are prescribed.

If your depression escalates or you are suicidal seek help from your family physician or health care provider. Do call a local health department, a community mental health center, or hospital or clinic. Someone will extend a helping hand and talk you through the crisis.

Get more visitors to your website

Create A Mailing List

I listed this first because creating a mailing list or newsletter is probably the single most important thing you can do for your website. If you are going to go through all the work to get visitors to your site, why not turn them into repeat visitors. Generating traffic is very important, but creating a mailing list is critical if you want to keep your visitors.

An auto responder is a powerful tool that will allow you to automatically interact with your subscribers. When choosing an auto responder, there are several things to consider. First, do you want to do everything yourself, or is an auto responder service the way to go. Second, how many mailing lists can you create? Don’t limit yourself. The ability to create several targeted mailing lists will increase your ability to generate maximum traffic and sales. Finally, how many messages can you have in the auto responder? You may want to automate a months worth of messages for your list.

NOTE: If you have an auto responder on your server, all mail will be sent from your server. If, for some reason, you are reported as a spammer, all mail from your domain may be blocked. I strongly recommend that you use an auto responder service to avoid this problem.

Create A Special Report – And Give It Away

A special report is generally longer than an article and shorter than an ebook. Create a special report on a specific topic that compliments your website. Announce your freebie every place you can. When visitors arrive to collect their freebie, make sure you get their email address.

Write Article And Submit Them For Reprint

For best results, write articles that relate to the topic of your site. Create a compelling byline that encourages readers to visit your site. Submit your article to all the major article directories. One thing that many people forget to do is check popular websites on their topic. Some of these may accept article submissions. Don’t completely rely on the large article directories to get your article out there.

These are just a few of the ways to drive traffic to your website. By increasing the traffic to your website and keeping in contact with those visitors, your online business can only improve.

Down payment gifts

One of the biggest hurdles to getting into your first home is the down payment. Down payment gifts represent one way of dealing with this issue.

Down Payment Gifts

Down payments can be one of the hardest things to overcome for first time homebuyers. Down payments can be extremely expensive, but the problem is they are extremely important. Although no down payment mortgage loans can be sought out, those loans are tricky and generally carry high interest rates meaning many avoid them. However, first time home buyers still need a way to be able to meet the down payment so they can proceed with purchasing their home. One of the forms of assistance that can be found to achieve this is down payment gifts.

Many organizations offer down payment gift options to home buyers. Also called a down payment grant program, down payment gift programs are offered by many organizations which essentially allow sellers of homes to help buyers with the down payment so they can sell the home to the buyer. You see, technically, sellers are not allowed to help with the down payment costs of buyers. However, through these down payment gift programs, sellers can go through a third party organization and the organization will handle the down payments and charge a small fee for doing this process. This is completely legal and there are no problems with doing this.

However, there are some things to know. The home buyer must qualify for a loan that allows gift funds. The funds provided can be used for down payments and/or closing costs. These funds can be used for new or existing homes, and any funds not used must be returned to the organization.

Down payment gift programs are just one way to help encourage new buyers to go through with their objective to buy their very own home. Buying a home can be expensive and extremely difficult, especially for new buyers, and down payment gift options are just one way to help make the process a little bit easier and more manageable.

Understanding and dealing with myspace stalkers

Considering the perils concerning MySpace stalkers is so important as well as having the idea on how to best deal with it. Most grown up fairly knew how to deal with online stalkers, since a few of this stalkers are sexual predators or rapists in searching for their next prey. The next section will talk on Myspace stalkers, and give a few guidelines on how to lessen the threats.

Know who you are chatting with is a primary way to protect yourself from MySpace stalkers. Spending more time talking with someone will give you enough foundation to know who they really are and judge if they are revealing their real identity or not. Your best solution if you receive uncomfortable comments or feel that someone is not telling you factual stuff is by removing them from the list of your MySpace friends and blocking the messages they are sending you. They can still view your profile if you set this in public but they can’t place their comments. Setting your profile in private for a moment will guarantee that nobody except friends you approved can only view your full profile.

You can lessen the risk of meeting a potential MySpace stalker if you will be very careful and use extra precaution, if you decide to meet someone after knowing them well. It is always best that you should agree to meet in public to avoid know spotting your exact location and bringing a friend will also keep you safe. If you accidentally meet a stalker, they will act uncomfortably in public or being around with a number of people.

Finally, never post any private information on your MySpace profile. Posting private information on your profile like addresses and phone numbers will only attract stalkers which will probably bring great threats in your life.

Identifying a MySpace stalker and dealing with it properly is extremely important. Neglecting this may place you in great risk of being the next victim of a MySpace stalker.

The knife culture in britain

Britain has currently got a knife amnesty in place. This where people are able to hand in their knives without the fear of prosecution, the amnesty is in place until the end of June. The hope is that it will reduce the amount of crimes involving knives including of course murders. The last amnesty was very successful according to the latest reports and one can only hope that this latest attempt also proves to be a success. Something needs to be done as I am hearing about more and more deaths at the hands of this knife culture and the problem seems to be getting out of control.

I have had personal experience about Britains knife culture. When I was about eighteen years of age I went out for a few drinks with a number of my close friends. We all ending up getting quite drunk and I ended up walking home with three of these friends. On the way home we passed a group of four men all in their twenties. They pushed passed us in an aggressive way making a number of nasty comments at the same time.

Despite being rather worse for wear, myself and my friends did not react. We were however very shocked as only a few moments later these four youths started to run towards us in quite a frightening way. We all started to run but one of my friends stumbled and fell over. I looked behind me and saw that these four men had surrounded him and were starting to punch him. I was not really sure what to do and was quite surprised to find myself going to his aid, rather brave or stupid I now think.

Luckily for me the youths ran off with my friend lying on the floor in agony. As I reached him I noticed that there was blood on the pavement at the place where he was lay. I asked him if he was OK and he said that he was. He had been stabbed in the stomach or chest area but had not realised. He thought that he had only been punched.

We managed to get him to the hospital where we later found out that he had been very lucky, even though he did have a punctured lung.

Even to this day which is years later, I find it hard to understand why the person decided to stab my friend. Why was a few punches not enough for him? It was not as if he was in any danger himself as there was four men against one. If he had killed my friend he could have been looking at a long stretch in prison and would have to live with the knowledge that he has killed a man for the rest of his life.

My advice to people is to leave your knives at home. By carrying a knife you could end a persons life, ruin the lives of that persons family and friends and even ruin your own life.

Over the last weekend, I have read about three murders on the streets of Britain via knife stabbings. I can not truly believe that the people carrying these knives left their houses with the intention to kill. The act was possibly influenced by alcohol or by some troubles in their own life. The people involved are likely to seriously regret their actions only a short time later. This however is too late for their victims.

3 ways to cook the perfect rice

Rice may be cooked by 3 methods, each of which requires a different proportion of water. These methods are boiling, which requires 12 times as much water as rice; the Japanese method, which requires 5 times as much; and steaming, which requires 2-1/2 times as much. Whichever of these methods is used, however, it should be remembered that the rice grains, when properly cooked, must be whole and distinct. To give them this form and prevent the rice from having a pasty appearance, this cereal should not be stirred too much in cooking nor should it be cooked too long.

BOILED RICE - Boiling is about the simplest way. Properly boiled rice not only forms a valuable dish itself, but is an excellent foundation for other dishes that may be served at any meal. The water in which rice is boiled should not be wasted, as it contains much nutritive material. This water may be utilized in the preparation of soups or sauces, or it may even be used to supply the liquid required in the making of yeast bread.

BOILED RICE (Sufficient to Serve Eight)

1 c. rice ; 3 tsp. Salt; 3 qt. boiling water

Wash the rice carefully and add it to the boiling salted water. Boil rapidly until the water begins to appear milky because of the starch coming out of the rice into the water or until a grain can be easily crushed between the fingers. Drain the cooked rice through a colander, and then pour cold water over the rice in the colander, so as to wash out the loose starch and leave each grain distinct. Reheat the rice by shaking it over the fire, and serve hot with butter, gravy, or cream or milk and sugar.

JAPANESE METHOD - Rice prepared by the Japanese method may be used in the same ways as boiled rice. However, unless some use is to be made of the liquid from boiled rice, the Japanese method has the advantage of being a more economical way of cooking this cereal.

JAPANESE METHOD (Sufficient to Serve Eight)

1 c. rice ; 1-1/2 tsp. Salt; 5 c. boiling water

Wash the rice, add it to the boiling salted water, and boil slowly for 15 minutes. Then cover the utensil in which the rice is cooking and place it in the oven for 15 minutes more, in order to evaporate the water more completely and make the grains soft without being mushy. Serve in the same way as boiled rice.

STEAMED RICE - To steam rice requires more time than either of the preceding cooking methods, but it causes no loss of food material. Then, too, unless the rice is stirred too much while it is steaming, it will have a better appearance than rice cooked by the other methods. As in the case of boiled rice, steamed rice may be used as the foundation for a variety of dishes and may be served in any meal.

STEAMED RICE (Sufficient to Serve Six)

1 c. rice; 1-1/2 tsp. Salt 2-1/2 c. water

Wash the rice carefully and add it to the boiling salted water. Cook it for 5 minutes and then place it in a double boiler and allow it to cook until it is soft. Keep the cooking utensil covered and do not stir the rice. About 1 hour will be required to cook rice in this way. Serve in the same way as boiled rice.

Good luck.

Nora Maskuri

For more tips and recipes, visit mycookery. com/blog