Mortgage rates - something better than shopping for rates

Is it possible? Something better than getting the best mortgage rates! Yes. I know it’s surprising and that it goes against what everyone says but it is true and…

I can prove it.

First let’s define what we mean by the “best rates” and the financial value that we can attach to shopping for the best rates. The best rate is the best mortgage rate available for you by any lender.

The advent of super mortgage brokers and the Internet has forced the mortgage industry to become very competitive. Each lender has his best rate and most of the time it’s within 0.06% of the rates of major banks. Shopping with a mortgage broker makes this easy.

The financial impact of getting a better rate of 0.06% on a 100,000$ mortgage is 1028$ over 25 years or 41.12$ per year. That is not what I call super savings!

Something better than the Best Rate

Dr. Milevsky at York University (Toronto, Canada) published a stunning report. He compared two mortgage strategies between 1950 and the year 2000 and found that:

• 88% of the time one strategy was better (money saved)

• the average savings was 22,000$ on a 100,000$ mortgage amortized over 15 years.

Now we’re talking. Saving 22,000$ in 15 years, that’s 1466.66$ per year. It’s not hard to see that choosing the right mortgage strategy is a LOT more important than simply shopping for a better rate.

The real conclusion of the study is not that one mortgage strategy is always better. It’s not! The lesson is that choosing a strategy is very important.

[Note: the conclusion of this study is applicable for Canadians and Americans. The interest rates during 1950 and 2000 are very similar and the different strategies are available in both countries.]

What should you do?

Selecting the best mortgage strategy is not as simple as calling around for the best rate. You need to:

• analyse your situation and your long term objectives

• analyse the current interest rates and where they are likely to go in the next 10 to 15 years.

• choose the best strategies based on that information

I suggest that you take the time to find a mortgage broker that does more than shop the mortgage rates for you, but a broker that will take the time to set up a plan to save you money over the entire life of your mortgage. Once you have found a good broker, ask him to present you with 3-4 strategies and his recommendations.

It could save you a lot of money.

Five simple steps to stopping a binge

When you have a negative feeling, the thought of comforting and drowning yourself in food sounds like a wonderful idea. Your mind will be taken off of dealing with your emotions and food will heal all. This is the truth for about the first five minutes of binge eating. After that, you will continue to eat, but not because you are hungry. You will start to notice that your original feelings of sadness or other reasons will come back, along with new feelings of guilt because you just consumed so much food. Is there a way out of this crazy cycle?

Of course there is! Here are five steps that you can start implementing into your daily life to conquer a binge. The first step is to feel deserving of yourself. You need to feel that you are worthy enough to change your binge eating habits. Only after you do this and improve your self-esteem can you win the war over Binge Eating Disorder.

The second step is to throw out all foods in your house that you like to binge on. Remember, if the food is not readily available to you, it will be harder to binge. This also means when you go grocery shopping. When you don’t purchase foods that you binge on, it will be easier to conquer a binge while you are at home. You want to make it as hard as you can.

The third step is to buy a journal. In your journal, you are going to record all binges and what feelings were present during the binge. Record all details including the time, day, what you ate, how much you ate, and how you felt before and after the binge. Journaling is a great tool because this will provide insight to you as to why you turn to food like you do. This will help to narrow down your binges so that you will be able to see any similarities that happen when you binge.

The fourth step is to find a way to relax yourself. This is most important to do when you feel a binge coming on. Relaxation is very important in clearing your mind and turning away from the binge. Listen to nice, classical music, take a warm bubble bath, pamper yourself, go for a walk on a nice day, mediate, or picture yourself somewhere else where binging isn’t a part of your life. Another thing that you can do for relaxation is to go for a nice drive. Maybe you live by the ocean or a lake. Maybe you have some great scenic roads. Just remember not to take any money with you and try not to drive by anywhere that has food. You want to make the binge go away and you don’t want to be tempted to give in.

The fifth and final step to stopping a binge is to talk about it. Talk to a friend or anyone else that you can trust about how you are feeling. If you are upset, vent your frustrations out to them. Just having someone listen will be very helpful to you. You will feel that a weight has been lifted from you after you get everything off of your chest.

By: Kristin Gerstley

endbingeeating. com

Advanced uses for myspace

MySpace members can generate a website quickly through templates. These templates enable users to create a generic website in very little time. For those who are just interested in making new friends or keeping in touch with old friends, this may be all the member needs. However, those who want to offer more on their website or those who simply want to create a more detailed website may require some more advanced knowledge to achieve the desired effects.

Adding Background Music in MySpace

The majority of websites on the Internet do not have background music. This may lead many novice MySpace members to believe adding music to the background is a difficult process but it really isn’t. In fact MySpace makes it incredibly simple for members to add music to their profiles. The steps to add music to a MySpace profile are as follows:

* Log into your MySpace account

* While logged in visit this web address: music. myspace. com/index. cfm? fuseaction=music

* Listen to the music available and select a suitable song for your profile

* Click on the link that says “Add” below the song title

* The music is then automatically added to your profile

It is important to note that users can only add one song at a time to their profile. Clicking the “Add” link on a second song will result in the original song being replaced on the profile by the new song. Songs can be removed from a profile at any time by going to the “Edit profile” section of your account and entering the “Profile songs” subcategory. Here you have the option to remove your chosen song.

Adding Videos to MySpace

Adding videos to MySpace is also not as difficult as it seems. Even those with no HTML skills can add videos produced by other members or even their own videos to their MySpace profile. The steps to add a video to your MySpace profile are as follows:

* Log into your MySpace Account

* From your MySpace homepage, click on the “Add/Change Videos” link

* You are then taken to another webpage where you can either search through a database of previously uploaded videos or upload your own video

* To search the database, click on the search videos button and browse through the available videos

* After watching a video you can add the video to your profile in a couple of ways. First you can click on the “Add to my profile” button or you can copy the source code provided and paste this code into the desired location on your profile.

Alternately you can add your own videos to your MySpace profile by first uploading them to MySpace and then adding them to your profile. When uploading a video care should be taken to ensure the video does not violate the terms of service.

Creating Interactive Features on MySpace

Creating interactive features on MySpace is a bit more involved. Members can create features which allow visitor interaction but these features require more extensive HTML knowledge. The best way to acquire the information necessary to design these types of features is to research the subject of HTML code in books or on the Internet. However, if you find a feature on another MySpace website you would like to include in your own profile you can contact the member and ask them how to add this feature.

Easy approach to scrounge money

A secured loan gives you the suppleness to spread your borrowing over a longer term and could turn your expensive debts into a single, lower cost monthly payment. If you are interested in a secured loan, alliance and Leicester can introduce you to freedom finance. What’s more, even you are not eligible for this loan; Freedom finance can search their panel of lenders for an alternative loan to suit your needs. In secured loans you get many benefits. Basically a person needs loans when they suffer any financial problem. Secured loans are more assured than other loans it provides more benefits as comparing with other. Any body can get secured loans from many land loads. For getting better financial help first you need to follow secured loans merits and demerits, is it really helpful, benefited to you or not. So think carefully before taking loans in difficult situation. And you can take secured loans for special purpose. Get the secured loans as you need with quick and easy method. Secured loans plans from many lenders to find the best loan that suits your circumstances. This loan can be for refinancing your credit, buying car, booking a holiday or even that dream home extension. Don’t be in too much worry if you have been unsuccessful in the past, its quick and easy application from will put all the work in secured loans hand and leaving you to relax and plan ahead.

And your entire query ends here for the next step; the secured loan organization helps you in every step until you are satisfaction. So take out a secured loan today.

Creating a budget

Many people do not consider the importance of a budget. They indulge in spending according to their earning and do not leave room for emergencies. This usually ends up in the incurring of debts and sometimes, personal bankruptcy. A budget helps to counter these consequences.

The essential calculations in a budget are income and expenditure. The purpose of a budget is to ensure that the expenses do not exceed the income and also provide for savings for the future.

A budget needs to be documented in the form of a chart or table. This needs to be easily comprehensible and provide a quick summing up of the relevant details. The chart needs to effectively reflect the different heads of expenditure. Suggested heads are housing and utilities, entertainment, health and beauty, transportation, communication and household. These can be further subdivided as follows:

Housing and utilities

- Mortgage payment or rent

- Insurance

- Taxes and electricity

- Natural gas

- Water and garbage pick up

Entertainment

- Cable television or satellite service

- Internet access

- Dining out

- Bars clubs

- Sporting events, parties, lessons and recitals

Health and Beauty

- Hair-cuts, perms etc.

- Make-up

- Medical, dental, vision, weight loss, diet products

- Nutritional supplements

Transportation

- Car payments, insurance

- Gas

- Routine maintenance, repairs

- Air travel

- Rental cars, public transportation

Communication

- Telephone

- Cellular phone

- Voice mail

Household

– Groceries

- Cleaning supplies

- Laundry, dry cleaning

- Home improvement

Projects, towels, linens

Others

- Credit card payments

- Other loan payments

- Child care, items for baby/elderly

- Allowances for children, book clubs, magazines, music, etc., fast food

- Investments, vacation, spending money, donations to church or charity

- Gifts (Christmas, birthdays, anniversary, etc.)

- Emergency fund

- Cigarettes.

If you have any other expenses that are not covered, you could add them to the list.

Next, try to reflect all expenses on a monthly calculation. For example, if you pay yearly taxes, calculate the monthly expense by dividing the yearly amount by twelve. Having done this, add up all the figures to arrive at the total monthly expense figure. Then subtract this amount from your take home salary amount. If you find the remainder in negative, you need to look for expenses where you ought to cut down. For example, if your take home salary is $1000 and your expenses total to $1150, you would need to trim down $150 each month, from the expenses.

If you need to cut down on your expenses, you would be the best judge to decide where to make the changes. However, it would be prudent to cut back on the extra subscription channels of the television. If you are smoker, cut down on smoking instead. Take home cooked lunch to office instead of eating fast food. Economize on power consumption by avoiding unnecessary use of the air conditioner and heating and make less use of the phone.

Creating a budget is absolutely necessary to manage your finances and is not dependent on the size of your income. It helps to prevent overspending and personal bankruptcy, allowing you keep track of your income and expenditure.

Brainwave meditation - the new way of meditating

Meditation has been practiced since ancient times, but today, in the busy and dynamic, even agitated modern world, meditation or taking time for ourselves is almost a must. And since more and more people are interested to benefit from the positive effects of relaxation and meditation, scientists and specialists have become more interested in studying all the aspects of meditation, how it works and how it can have maximum efficiency. And one of the most recent results of these researches is the brainwave meditation.

How Can You Benefit from the Brainwave Meditation?

The results of the brainwave meditation are the same as in the case of other forms of meditation, but some might say that they are even more intense and specific. There is a great selection of products on today’s market, products that you can use in order to test this new meditation technology and discover its results. The most popular products are "psychoacoustic" CD’s with a wide range of relaxation and meditation messages that are mainly based on the concept of visualization.

The brainwave sessions can vary in length, but users mention the fact that longer sessions lead to faster results and a better general relaxation – these sessions can last up to 45 minutes. There are very specialized CD’s or audio formats that are focused on various ranges, such as alpha, beta or delta or there are some which are destined to stimulate all these at the same time.

Basically the role of these brainwave meditation sessions is to travel with your thought and mind, to improve your perception to various stimulants, to develop your awareness, and to be able to conduct an accurate introspection.

Besides the musical CD’s with relaxing audio signals, there are various audio formats that are focused on breathing patterns that are meant to relax the listener, based on the same frequency principle. Basically, these breathing sessions that are assisted by an audio format have the purpose to relax the body, the muscles and to slow down the heartbeats, together with releasing the tension.

How Does the Brainwave Meditation Actually Work?

What is the scientific concept that this type of meditating is based on? It all starts from the binaural beats. But what are these binaural beats? Basically, the brainwave meditation or, also called, brainwave entertainment, presupposes the fact that the brain receives various audio stimulants or signals with a certain frequency and reacts, responds to these signals. The binaural beats have more roles besides the role they play in brainwave meditation – they are used in the treatment of certain mental disorders and other medical conditions.

Brainwave meditation is gaining more and more supporters. Until its appearance and until the appearance of the wide range of products that promote this type of meditation, there were many skeptics that doubted the positive effects of meditation upon one’s mind, psychological life, spirituality and general health. But nowadays, these effects can me maximized and measured, they can be scientifically proven – and this explains the fact that meditation is gaining more and more supporters.

Jeux de casino comment perdre de argent rapidement

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Examinons donc les diffйrentes thйories de jeux existants, leur sйrieux et leur efficacitй, pour ne pas dire inefficacitй.

Tout d'abord, il est une chose essentielle a toujours garde en mйmoire: le jeu est un sport, un loisir lie aux alйas du hasard. Comprenez donc la chose suivante: rien ne peut dйfier le hasard. Perdre est donc naturel et il faut bien l'accepter.

Tout n'est donc que question de chance.

Ainsi, toutes les thйories sur "Comment battre les Casinos" n'ont aucun fondement et n'ont, par ailleurs, jamais prouve leur efficacitй.

Ces derniиres n'ont йtй inventйes que pour donner de faux espoirs de contrфle d'une partie, face a un manque de confiance en soi.

1) L'une des mйthodes les plus cйlиbres est celle de parier sur un йvйnement qui n'a pas eu lieu a un moment prйcis. Selon des calculs statistiques, un йvйnement qui ne s'est pas produit a ce moment sera forcement rйcurent sous peu.
Grave erreur. Par exemple, a la roulette: 3 cases rouges sortent coup sur coup, le joueur parie alors sur une case noire pour le quatriиme tour. Manque de chance, une autre case rouge est sortie.
Hors cette mйthode est trиs courante au sein des casinos, surtout parmi les joueurs cherchant a battre le casino. Regardez donc le nombre de personnes autour du table avec leur air songeur! En fait, ils analysent les parties.

2) La seule mйthode plus fiable jusqu'a prйsent fut le comptage de cartes des sabots. Or, sachez que les casinos peuvent mettre dans un mкme sabot 8 voir 10 jeux diffйrents pour le Blackjack. Donc cette mйthode n'est plus trop en vigueur de nos jours.
Cette derniиre fut trиs prisйe car non basйe sur les probabilitйs, et offrant, a long terme, plus d'avantage sur le Casino.

3) Toutefois, certaines mйthodes ont vues le jour comme les Martingales pour la casino en ligne pour la roulettes. Celles-ci ont au moins le mйrite d'annoncer la couleur des le dйpart: "Aucune fiabilitй a 100%". Toutefois, elles offrent l'avantage de proposer les meilleures possibilitйs de paris (comment miser pour rйcupйrer la prйcйdente mise, combien, etc..), tout en ayant fait d'avantages de preuves que la premiиre.

Les casinos permettent-ils ceci ?

Les casinos connaissent mкme mieux que nous ces fameuses stratйgies "miracles". Par consйquent, les casinotiers changent rйguliиrement leurs conditions gйnйrales de jeu ou leur matйriel, sans pour autant кtre trop inquiиtes. En effet, contre le comptage de cartes, le casino a par exemple rajoutй des jeux dans son sabot afin de le rendre impossible.

De plus, ces derniers savent qu'a la longue, l'avantage revient a la maison (soit, le casino).

Mais pour йviter de tout perdre:

Autre que le conseil singulier de "faites attention a vos mises. Ne misez jamais plus que vous ne disposez", il est utile de rappeler que les allers/ retours a Las Vegas ou Atlantic City ne sont pas nйcessaires pour pouvoir bйnйficier de bons casinos. Le choix s'offre a vous,: dans votre rйgion ou en ligne. Alors pourquoi gaspiller en plus de l'argent dans des billets d'avions tous les deux mois?

Lower inhibitions lower performance impotence and alcoholism

Alcohol is known to effectively lower a person's inhibitions. It is because of this effect that alcohol is also believed to bring out one's sexuality, increase one's sex drive, and even improve one's sexual performance. The truth of this, however, cannot be actually verified. Although, one thing is for sure about alcohol and its effects on a man's system. Too much alcohol intake or excessive alcoholism can eventually result to impotence or erectile dysfunction. Simply put, this is a man's inability to achieve an erection when sexually stimulated. It is not, therefore, always true that alcohol increases or improves one's sexual performance. When alcohol intake is already too much, it can have the opposite effect on a man's functioning. Moreover, when excessive alcoholism happens for a long period of time, it can eventually cause harm in the neural components in different parts of the body including the reproductive organ. When neural pathways are the ones damaged, it can cause a more severe and permanent effect such as chronic impotence.

To be able to understand how excessive alcohol influences the physiology of an erection, it is necessary to first understand what occurs in a man's body when an erection happens. The process all starts with a certain stimulant or a combination of various components causing a man to feel stimulated. The source of stimulation can either be something that is seen (visual), heard (auditory), felt (tactile), smelled (olfactory), or a mixture of any or all those factors. The brain processes this information, causes a release of certain hormones or neurotransmitters that will then trigger some activities to occur within one's body. These activities include the dilation of nerves in a man's penis which allows the blood flow to reach that area. The surge of blood results to what is commonly known as an erection. Technically, it is the contraction of the muscles located within that area. Some mechanisms also control the maintenance of this occurrence to make it last for a certain period of time. The maintenance of an erection is as important as its initialization during situations like sexual intercourse. However, that will no longer be included in this discussion.

A better understanding of the physiology of an erection can help in a better understanding of the physiology of erectile dysfunction or impotence. Impotence results when any of the processes mentioned earlier necessary for achieving an erection is disrupted by certain, varying factors. In the case of alcoholism as a cause of erectile dysfunction, it is only important to understand the effects of alcohol to any person. Excessive alcohol causes intoxication and temporarily impairs the functioning of the brain. Since the brain primarily controls the functioning of other parts of the body, a partial impairment within the brain can also be manifested in other parts of the body. This, then, can include a man's ability to achieve an erection or to maintain an erection for a desired length of time. On the other hand, when the level of alcohol intake is only at a low or moderate amount, it may have good effects such as a decrease in the inhibition level of a person which is sometimes needed especially during situations when one has to forget or remove his or her fear and anxiety.

As mentioned earlier, when excessive alcoholism or alcohol intake is prolonged for a long period of time, it may already cause a more severe level of impotence or erectile dysfunction. Like most health problems, impotence has its own corresponding treatments or cure. Among the available options is a treatment called impotence drug therapy. Simply put, it is basically using prescribed medications within a certain period of time to cure the problem of erectile dysfunction. The more important thing to remember with this kind of treatment is that the amount, frequency, and length of use of the medication is mainly prescribed by an expert physician. Also, a strict adherence to the given prescription is needed to ensure the effectiveness of the treatment. This is the method of treatment that is mostly recommended since a scientific study or evidence is already available to show the proof of the medication's effect. However, other methods of treatment is still available such as the use of natural or home-made remedies and undergoing psychological counseling.

Gift basket ideas

Are you looking for that perfect gift for a business associate or a friend? Just think what gastronomic joy you could give when you choose that ideal gift from a wide selection of gift baskets. If you're looking for delicious fruit assortments with scrumptious pear varieties, apple varieties, cherries and more, the Premiums Fruit Company is just one of many online merchants that offer taste tempting gift basket ideas to whet anyone's palate Tasty nuts and cheeses are also available in their handcrafted gift baskets and towers. Check out all the sites for your gift giving needs.

Other great gift basket ideeas for those you know with a with a hearty appetite, what could be better than a gift of delicious meats? When you do your shopping online, you can select from marvelous gift baskets featuring prime steaks and chops, or delicious cheese and sausage.

When you want to send something that's not too personal, yet shows you're thinking of the recipient, a gift of food is always appropriate. Gift baskets not only offer you a wide choice of content, but also a wide price range to suit your gift giving budget. There are a number of catalogers and online merchants that also offer corporate discounts for their gift baskets, so keep that in ind as you do your company's holiday shopping.

And, let's not forget nuts (also a popular item—not only at he holidays, but year ‘round.} Fresh, delicious shelled pecans and pecan treats are all available in a wide assortment of eye-pleasing baskets that would be a welcome gift for anyone on your list.

And have we mentioned chocolates? No one could really resist a gift basket of mouth watering decadent goodies—including chocolate covered nuts and regional favorites from around the country—all beautifully packaged and wrapped to delight any connoisseur of fine eating. In fact, one doesn't have to be a connoisseur to enjoy a good piece of chocolate!

What could be more tempting than a gift of cookies, brownies and other gourmet gifts from a famous baker? Browse through the many sites featuring unique food gift baskets and you'll also find one that specializes in exotic spices from around the world, or if a gift of cheese brings a glint to your eye, send a great cheese gift basket combining aged cheddar cheeses with other Vermont specialty foods, including pure Vermont maple syrup, chocolates, and sauces. How delicious is that!

And when you're shopping, keep in mind the favorite jams and jellies and crackers that can make the ordinary extraordinary! Gift basket ideas abound with these delightful homemade temptations that will please any family. And, they'll think of your thoughtfulness when they're enjoying their morning toast and coffee.

If you're shopping for yourself or for others, food is always the in thing, particularly in today's health conscious society. When you let your browser do the shopping, you'll find an interesting array of wonderful (and nutritious) goodies in health food catalogs as well as in organic food catalogs. These online purveyors of good and healthy food have an assortment of unique food gift baskets for the truly health conscious epicure devote of fine foods. In fact, you can find just about everything on line when it comes to food.

Or, if you know of someone who loves the old style western jerky as a special snack, try unique food gift basket of your own combining high protein snacks like beef jerky, turkey jerky and beef sticks with selections of dried fruit and nuts, candy and sausage.

Just point and click your way through the many unique food gift baskets that are available online and you'll save yourself a great deal of time and money. Many merchants and catalogers offer customization for corporate gift giving, thus ensuring your employees and clients of receiving an unforgettable present whether it's for the holidays or any other special occasion.

Are portuguese water dogs hypoallergenic

Portuguese Water Dogs have short hair that does not shed and is considered a working dog, meaning that it is a breed that needs to stay busy. This breed is considered a hypoallergenic dog. Traditionally used to assist in fishing expeditions, the Portuguese Water Dog is now kept as a house pet. While this breed is not as common as other breeds, if you want to dog that is hypoallergenic, lively, and enjoys companionship, then this breed may be the one for you.

Since the Portuguese Water Dog is not bred as often as other breeds of hypoallergenic dog, you will have to search for a breeder online, in the newspaper, or by calling breeders in your area until you find one. Generally happy dogs, the PWD needs to stay busy or it will get bored. You should have plenty of toys for it to play with and you may want to consider crate training when you are not at home. This means that the dog will stay in a crate when you go out so it does not destroy your home. When the PWD gets bored or lonely, it will chew on anything it finds.

Crate training should begin right after you bring the dog home. By placing a blanket, toys and water into the crate, you will make the dog comfortable while you are away. You should not use the crate when punishing the dog or it will not want to go in it when you leave for the day. After training the dog, you will have to keep up the routine. This will give the dog structure and will also salvage your possessions. Keeping the dog in a crate when you are not at home will also reduce allergens.

Portuguese Water Dogs need to be groomed every two months or so. There are two patterns that most groomers follow, the retriever cut and the lion cut. The retriever cut means that the hair is cut evenly on the body. The lion cut leaves that front half of the dog's body covered with hair, while hair on the hind legs is cut short. You should take the dog to have his hair groomed if you are not comfortable cutting it yourself.

If you are considering buying a PWD, you should be prepared to have constant companionship. These breeds need to be walked and they need to be entertained throughout the day. If you need to travel on vacation or for work, you should board the dog so it will not be lonely. Portuguese Water Dogs typically live between twelve and fifteen years.

Portuguese Water Dogs are easy going and get along with children and most adults. If you are looking for a breed that does not shed and will fit in with your family, then the PWD is the breed for you. While most Portuguese Water Dogs are black, some are white or a mix of both. Their hair is curly or wavy and similar to that of the standard poodle.

Anti wrinkle face cream

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Anti-wrinkle face creams and formulations work against natural aging and photo aging. External factors of aging, such as long exposure to harmful rays of the sun etc are called photo aging. Your skin looks thick and leathery with regular pigmentations, blood vessels may be visible on the surface of the skin and deep furrows develop in the skin in addition to wrinkles.

Wrinkles vary in shape, size, depth, extent of coverage and age from individual to individual. Treatment for wrinkles using anti wrinkle creams depends on what type of problem you are going through. If you are older and with more visible lines on your face then probably you need a stronger product. A young face with fine lines would require any general-purpose cream. You should think about all the aspects and only then settle down with a product.

Three basic steps are normally followed to treat facial problems:

• Cleanse : Using skin cleansers like fruit acids.
• Tone : Using toners like moisturizers, vitamins and minerals.
• Nourish : Using more advanced formulations.

The following are some of the basic ingredients of an anti wrinkle face cream:

Vitamin A

Vitamins nourish our skin, hair and other tissues. This has made them a preferred choice in anti-wrinkle creams. Vitamin A in the form of retinol treats injured skin and improves collagen formation. It supplies moisture and helps the skin remain soft and plump. Other vitamins like C and E are very popular for their anti-oxidant effects.

Fruit Acids (AHA)

Alpha Hydroxy Acids are popular exfoliants, which are used in the form of Glycolic, Malic, Tartaric and Citric acid and many other formulations. These acids brush off the dead cells and tissues revealing new, fresh under skin.

Phytochemicals

These are the famous anti-oxidants that fight against free radicals. Vitamins and other compounds are used in formulations and are said to be effective against these radicals.

For further details visit Best Anti Wrinkle Cream or Visit : best-anti-wrinkle-cream. info/

The formulae for cheap secured personal loans

The recent times have witnessed many lending agencies engaged in price wars. As soon as one lending agency announces a drop in interest rates, the other lenders too follow. However, the lenders would be shocked to know that they have not as strong competition from the other lenders as much as from the available cash and funds with people. And their prime strength is the no cost involved in their usage.

However, how many times do we have adequate sums with us to put in the uses? On most occasions, we will hear people lament over their income falling short of their expenditure. In such situations, it will be odd to think of savings. This makes a case for secured personal loans. Secured personal loans, in order to beat the stiff competition by available funds, have to be available at cheap rates. Cheap secured personal loans, as we will learn, are difficult to get but not impossible.

When you go for cheap secured personal loans, you are generally charged on a few counts. These are included with the principal or the sum lent. When lenders advance any sum against cheap secured personal loans, they are risking away the sum. Either the sum will be repaid back on time or will be delayed and left unpaid. So, there is a risk involved. The cost of loan will include a certain sum to provide for the risk entailed.

Besides, lender would have received an interest had he invested the sum in a bank. However, he decided to lend to you cheap secured personal loans. Therefore, you are bound to make good his losses by providing for the loss of interest.

These are the very basic additions to the loan. Some other reasonable charges that may be added to the loan are valuation fees and credit check. When shopping for cheap secured personal loans, one must always check that he pays for only the reasonable items and not the unreasonable ones. Read the fine print carefully. If you cannot understand any term, do not hesitate in getting a clarification for it. This is how one can ensure that he is getting cheap secured personal loans.

The web presents the most convenient method of taking secured personal loans. When compared with the times when borrower had to personally visit the lender and stand in long queues, the present method seems more convenient. One does not have to even get up from ones seat and the application is already transferred. The online method can also be used to get a fast approval, which works well with the fast lifestyle of todays.

Hello from sicily exploring stromboli

Due to bad weather yesterday we spent the entire day docked at Santa Marina di Salina but we had nevertheless a great experience during our driving tour of the island, with expert guidance provided by two locals. Our first Italian lesson had also progressed smoothly and a quiet dinner capped off an occasionally drizzly and grey day.

Well, today was another day, and when I peeked out of the sailboat bright and early I saw right away that we had clear skies today. This meant that we would be leaving Salina and sailing on to the next island in our linguistic sailing trip experience: Stromboli!

When I saw Franco, one of our Italian language teachers from Laboratorio Linguistico, come out of the on-board shower room wrapped in a towel, it crossed my mind that an Italian language learning trip aboard a sailboat is definitely a very unique experience. As a matter of fact, boat life really brings you close together, and notions of personal space and barriers of shyness seem to be decreasing the more time you spend on board with your shipmates.

It’s just that kind of environment, and it’s actually very refreshing to move outside one’s comfort zone and allow oneself to experience something completely different. This has been one of the beauties of this unique trip all along - the unique tight environment on the sailboat, six great ship mates (thank God!), and the beautiful experience of gliding through the Mediterranean waters from one beautiful island to another.

Our departure was planned for 10 am, so I took a quick walk through Santa Marina, indeed a very picturesque little place, particularly when lit up by the morning sun. I had a quick on-board breakfast before Herbert, one of my shipmates, departed. He had been feeling a bit sick for a while and was going to take one of the fast ferry boats, one of the “aliscafi” or hydrofoils to one of the other islands to visit a doctor and get some medication for his flu-like symptoms.

So the remaining six of us got ready to sail and we were out on the open waters by 11 am. Leaving Salina behind, we sailed past the island of Panarea which features a gently sloping mountain on the eastern side and a steep precipitous cliff on the western side. The weather could not have been any better. The sun was so bright I closed my eyes and started to fall asleep. All of a sudden this intense feeling of tiredness overcame me, it was as if all the accumulated stress from my life in Toronto was trying to unravel itself, so I retreated and lay down in my cabin.

When I woke up again we had actually reached our destination: Stromboli, another Eolian island, this one distinguished by an active volcano. We anchored our sailboat off shore since the island has no harbour, and Francesco, our skipper, got a little dingy ready that would carry us from the sailboat on shore. The dingy was barely big enough to hold three, definitely no more than four people, so in the first trip Francesco scooped up Claudia, Lorenzo and me while he steered the vessel.

I was of course planning to do lots of photography on the island, and I thought I just hope to God that we won’t tip over in this tiny inflatable vessel, since my camera and my memory cards would certainly be gone. But I should not have mistrusted the expertise and prudence of our captain: Francesco transported all six passengers safely to land without incident.

In my quest for photos I embarked on a solo discovery of Stromboli on foot, while Claudia and Lorenzo headed off into town as well. I walked by the waterfront, past a variety of shrubs, some industrial buildings and the lone electricity generating plant on the island to a promontory that looks out on a rock just off the coastline: Stromboliccio (little “Stromboli”), of course also of volcanic origin, is uninhabited but features a lighthouse.

From here I turned left and made my ascent into the town of Stromboli which stretches up along the foothills of the volcano. The roads are incredibly narrow, a regular car would definitely not fit on the roads, so all the vehicles are either motor scooters, tiny three-wheeled mini transport trucks with a cargo platform, or even golf carts. I snapped a few pictures of the various vehicles, and was rather amused when I saw the two local policemen – carabinieri - ride through town on a golf cart.

The village of Stromboli is located on a hill overlooking the Tyrrhenian Sea and the main square features a viewing platform that provides a beautiful look over the sea. The Church of San Vincenzo overlooks the square, and on the left hand side is a restaurant with a large terrace offering a great view. A local politician was starting to make announcements for the upcoming mayoral elections and at 6 pm one of the main candidates would be making an appearance. Not many people listened to his speech since most of the people on the square were actually foreign tourists that had come off the ferries to stay for just a few hours. But he steadfastly continued on with his political message…

I stopped into a local outfitters shop that provided shoes and clothing for hikers, equipment appropriate for hiking up to the top of this active volcano. Various local operators provide guided hiking tours to visit the top of Stromboli which is in continuous eruption. This retail store also had Internet access, offering one rather antiquated machine tucked into the corner, but the owner explained that unfortunately the Internet had been down all day, so I was out of luck. I continued my explorations of the town instead which offered numerous restaurants and various retail and artists shops, all closed of course, due to the siesta.

So I bought myself an ice cream and relaxed for a bit on a bench by the waterfront. He added that the medical treatment had actually been free of charge. Rested again I hiked back up into the village and turned left at the big church and headed up past the village on the narrow road that provides the ascent to the volcano. By this time, about 6 pm, the sun had already disappeared behind the volcano, and it was getting pretty cool so I decided to come back into the village. There I bumped into Herbert who had arrived on the island in mid-afternoon after accidentally taking a wrong ferry to the island of Panarea to visit a doctor about his flu-like symptoms.

Fortunately he had found a medical specialist and got a prescription for his flu. The medical treatment had actually been free of charge. We sat and chatted for a bit until it was time to get back on the beach where our skipper would pick us up with the dingy. By 7:30 pm all of us were on the boat and we were ready to start our night time navigation to Panarea, our next destination.

A big cruise ship was approaching from the south, and the setting sun bathed it in its golden glow. We were just turning the corner near Strombolicchio when we saw a gorgeous beautiful pink and purple-coloured sunset. I thanked our skipper Francesco for timing our departure so perfectly. We rounded the island of Stromboli and also got to see the lava fields on the western side of the island.

The sea was rough today and we were now sailing in complete darkness. A cool wind was blowing and after sitting at the back of the boat for about an hour I got chilled to the bone. I decided to lie down in the cabin and covered myself with two blankets to try to get warm. In addition, the choppy waters had made me feel a bit queasy and I felt better lying down.

Around 10:30 finally we had reached Panarea, not that we could see it because it was totally dark, but our captain had dropped anchor and we were going to sleep offshore for the night. A nice on-board dinner of gnocchi and salad capped off an eventful day and I was already wondering what this new island of Panarea would look like tomorrow morning.

The secret - collection of inspirational quotes part 30

Truth hurts--not the searching after; the running from.

-- John Eyberg

Prosperity is the result of complying with definite laws that are revealed by the Spirit of truth within. Those who are prosperous and successful are the people who have a rich consciousness . . . the ones who have developed their innate abilities and used the success-producing ideas that have come to them.

-- Myrtle Fillmore

Let a man radically alter his thoughts, and he will be astonished at the rapid transformation it will effect in the material conditions of his life. Men imagine that thought can be kept secret, but it cannot; it rapidly crystallizes into habit, and habit solidifies into circumstance.

-- James Allen

The only guide to a man is his conscience; the only shield to his memory is the rectitude and sincerity of his actions. It is very imprudent to walk through life without this shield, because we are so often mocked by the failure of our hopes and the upsetting of our calculations; but with this shield, however the fates may play, we march always in the ranks of honor.

-- Winston Churchill

You cannot believe in honor until you have achieved it. Better keep yourself clean and bright: you are the window through which you must see the world.

-- George Bernard Shaw

The winds and waves are always on the side of the ablest navigators.

-- Edward Gibbon

. . . Life is the coexistence of all opposite values. Joy and sorrow, pleasure and pain, up and down, hot and cold, here and there, light and darkness, birth and death. All experience is by contrast, and one would be meaningless without the other. . .

When there is a quiet reconciliation, an acceptance in our awareness of this lively coexistence of all opposite values, then automatically we become more and more nonjudgmental. The victor and the vanquished are seen as two poles of the same being. Nonjudgment leads to quieting of the internal dialogue, and this opens the doorway to creativity.

-- Deepak Chopra, M. D.

To read more quotes visit : spiritual-simplicity. com

Stress and fatigue top students concerns about exam time

Students across the country are gearing up for year-end exams and standardized tests, in addition to meeting class deadlines and heavy homework loads. Unfortunately, increased pressure for good grades has many students taking the wrong approach when it comes to exam time preparation.

According to a survey conducted by The Princeton Review and Wrigley, more than 85 percent of students admit to feeling increased stress and tension at exam time, in many cases leading them to make less healthy choices.

Under Pressure

Although experiencing a little stress can keep students on their toes, choosing poor stress management techniques can ultimately work against their academic goals. The recent survey revealed students are dealing with exam time pressures by snacking during study time (76 percent), studying with a caffeine buzz (61 percent) and burning the midnight oil (41 percent). The survey also revealed, however, that some students are finding ways to meet the challenges of studying for test time, such as listening to classical music (20 percent) and even chewing gum (37 percent). Of the students who chew gum while studying for exams, 41 percent do so to combat stress and tension and 23 percent to increase focus and concentration.

In fact, studies have shown that the act of chewing gum increases blood flow to the brain by 25 percent and appears to improve people's ability to retain and retrieve information.

"Chewing gum while performing memory tests can increase memory substantially," says Andrew Scholey, Ph. D., CPsychol, professor, Division of Psychology, and director, Human Cognitive Neuroscience Unit, University of Northumbria, UK.

Stressbusters

Study experts at The Princeton Review recommend a few simple tips to help parents and students deal with test-time stress.

• Exercise: Exercise can be an excellent way to recharge batteries and reduce stress around exam time.

• Care packages: There's nothing like a care package from parents to lighten students' stress and let them know they are rooting for them. Include items such as stress toys, a classical music CD and healthy snacks such as nuts, chewing gum or dried fruit.

• Create a calming and productive atmosphere: An effective study area should have good lighting and ventilation, a comfortable chair and space large enough to spread out materials.

• Chew gum: The gum experts at Wrigley recommend chewing gum to relieve stress and tension and to help increase focus and concentration during studying and test-taking.

Car dealer the safety measures and benefits

Car dealers sell new cars and used cars. They offer maintenance services for the cars that they sell, sell spare parts and process warranty claims. The car dealers who sell used cars usually have cars from various manufacturers. The new car dealerships are usually franchises associated with one or two manufacturers. There are also places where dealership is merged. Thus a single owner controls a chain of dealerships from various manufacturers.

Almost all the car dealers offer financial services like loans and lease. In order to avail the car loan, it is necessary to know your credit score. Scan your credit report carefully before purchasing a car. The credit score helps you to understand the mount of interest that you will have to pay. Before visiting the car dealer, it is best for you to line up used car auto loan financing.

When you visit a car dealer know specifically the actual cost of the car that you are going to buy. Find out from the car dealer the actual amount that will be allowed for trade-in, and the details of finance contract. Never sign a contract before going through it carefully. Do not allow the car dealers to pressurize you into buying a car. If you feel uncomfortable with any part of the financing part, move out for a better option elsewhere.

The car dealers, by providing maintenance and repair services, bring the customers back to the showrooms to view new models. Since the internet offers opportunities to increase the profit potential, many car dealers have come up with online marketing services. You no longer need to visit from place to place to buy your car. With the help of online services, you can buy, sell new or used cars, interact with the car dealers, and schedule a service for the maintenance of the car.

The car dealer ensures that every car they sell meets their quality and safety standards. All the new and used cars are checked by a team of mechanics, and quality control managers. There are car dealers who ensure that you are fully confident with the controls of the new model before your drive out of the show room.

Online information his helped to boom the service of car dealers. People can now select from a wide range of new and used cars just by clicking a button, sitting in a comfortable atmosphere of their home. The online car dealers provide you with detailed information on each and every type of cars that they sell. You will get all the information you require on the color, model, accessories, size, and price of the car. This helps you in judging your budget and selecting one that will suit you and your pocket. You can even get the detailed direction of the car dealership from your home.

Fixed rate mortgages more popular than ever

The Council of Mortgage lenders recently reported that an amazing 71% of all mortages and remortgages in April 2006 were arranged on fixed rate terms, that’s 17% higher than the same period last year. The increasing attraction of fixed rate deals is a product of the attractive offers being made by lenders together with a desire by consumers to lock-in to the current low rates for as long as possible.

The balance shifted slightly towards new mortgages and away from remortgages, possibly a symptom of lenders making the benefits of remortgaging less attractive to existing borrowers – the recent increases in exit fees almost certainly a factor here. (That increase is currently under regulatory investigation by the way) First-time buyer mortgages grew in size slightly to an average of Ј106,400, that’s almost Ј12,000 higher than April last year. First buyers are now borrowing an average of 3.21 times their earnings, which is also slightly up on last month. The average mortgage payer now spends 16.2% of their income repaying their mortgage, slightly less than previously and probably caused, the Council says, by the increased take up of fixed rate deals.

There has also been a crop of new fixed rate mortgage deals where lenders are offering to fix rates for as long as 15 years. That sounds crazy until you work out that it indicates supreme confidence in the stability of the money markets lokking forward. Heartening information for all of us.

In my opinion all these mortgage factors are reaching worrying levels with people borrowing not only more and for longer, but are also committing to repayment figures that are higher proportions of their income than ever before. All this is driven by the spiralling increase in house prices over recent years and a general worry by some people that if they don't get on the housing market now, they never will.

Prostate cancer morality vs. science

With such widespread diseases as prostate and various other forms of cancer, there are concerns which eventually arise about the treatments and tests for such illnesses. Because such illnesses are so prevalent in developed countries, diseases like cancers and diabetes are widely studied by research institutions all over the world in hopes that there will be better cures and quicker tests to determine if someone has the illness or not. However, by developing such treatments, preventative measures and genetic tests, people fall into the problem of what constitutes morality. For illnesses like prostate cancer, morality is on the verge of being sent to the wayside in an effort to allow high risk individuals to be tested for the prostate cancer gene long before they reach the age in which prostate cancer will spring up within their bodies.

Perhaps the biggest debate over prostate cancer morality is whether or not scientists should develop early screening tests for the illness in high risk patients. Due to the extremely high genetic correlation between those affected by prostate cancer and the probability of their children getting the disease when they are older, a genetic test would be an excellent way to help people realize if they will have prostate cancer in the future or not.

Unfortunately for the technologies which could ultimately screen for prostate cancer, morality soon enters the debate. If people find out when they are young that they will have a high risk for prostate cancer at age sixty or so, they may have a slightly traumatic experience growing up and feeling that they will die at around age sixty – especially if there is no cure for prostate cancer by that time. Furthermore, they would have difficulty finding health insurance – as no self respecting insurance agency will want to insure a person who will be catching a costly disease at age sixty. These are two major concerns from a point of prostate cancer morality.

On the opposite side of the argument, however, people who say that prostate cancer morality should take a back seat to scientific advancement proclaim the benefits of early genetic testing. People should be aware of the status of their health. If more people were to receive blood tests to determine if they are at risk for prostate cancer, they would go get more prostate exams which would in turn lower the mortality rate for prostate cancer. After all, it is pretty difficult for those who support prostate cancer morality to argue against less people dying.

The whole battle between prostate cancer morality and the necessary science to help cure people will certainly turn into a raging debate in the future. Ultimately, the outcome will determine how well we handle other emerging diseases and whether or not we will do whatever it takes to combat them.

Investing in spanish property is it still an attractive proposition

For many years now, investors and those looking to live the dream, have nominated buying property in Spain as a favoured profit-making destination. But, in more recent times, the general consensus is that prices are stagnating

at best or even falling slightly in some areas.

So is buying a property in Spain still an attractive proposition?

From our experience, it still can be; but it is now more difficult to generate a good return. Whilst some lower end, especially re-sale, Spanish property is becoming increasingly difficult to sell OR rent, larger more luxurious specification property continues to be in high demand.

None more so than Spanish Golf course property. Demand for detached golf property, alongside the palm lined fairways of water filled courses, remains exceptionally strong and we cannot see this changing for the foreseeable

future. Indeed, this appears to be the focal point for many Spanish developers as many exciting, high quality Golf Resorts continue to emerge from often barren, yet usually stunning locations.

Morning tea to first green in minutes

The attraction of buying Golf Property in the Costa Blanca region of Spain comes from the exceptional quality and location of the developments. The ability to almost guarantee your own ‘green belt’, even drive your own golf buggy to the course, is a big draw for those looking to acquire golf property as either an investment or for personal use.

Although they are still abundant, the predilection for buying on ‘council estates in the Sun’ is on the decline and the average purchaser of Spanish investment property has now set their sights much higher. And this can only be good for the future of property investment in Spain.

Most developers have very much upped their game and it’s not just the quality of golf property we now see coming to market that has increased dramatically. Golf courses are now designed as high-class resorts, complete with health clubs, spas, restaurants and commercial centres; with the emphasis on quality rather than quantity.

The results are staggering for both investor and second homebuyer alike, but only if you get in quick – an eighteen-hole golf course only has so many superb properties on its perimeter. That’s not to say the surrounding,

second line homes are not fantastic, rather the best plots on these developments really are Hot Property.

Increase your golf swing clubhead speed with a golf fitness program

Imagine hitting your driver farther in your 40’s than when you were in your 20’s!

I imagine a few of you are saying, “No way!”

Read this article to be convinced otherwise. I received an e-mail from one of our BioForce Golf subscribers about the amazing change in his clubhead speed.

He wrote in about how excited he was that his clubhead speed had improved to a speed higher than when he was in his early twenties! He stated that currently his clubhead speed is between 105-107 mph, and in his twenties it was 95-100 mph. Go figure!

He related his increased driving distance and clubhead speed to a golf fitness program, a program with exercises specific to improving his golf swing. Not a traditional, pump-the-iron program, but one that promotes a more efficient and powerful golf swing.

He stated that since he implemented a golf fitness program, his flexibility, strength, and power have all increased.

As a result of this newfound “bottle of youth,” he is hitting the golf ball farther, lowering his scores, and enjoying the game of golf more.

The question to ask is, “How do improved flexibility, strength, and power relate to increased clubhead speed?”

First and foremost, we must understand a very important principle. The principle revolves around what actually swings the golf club.

Is it your body swinging the club or the club swinging your body?

Obviously, the answer is that your body swings the club. Keeping that statement in mind, we can safely say it is a combination of two entities that creates clubhead speed.

What two entities do you think I am talking about? They are your golf swing mechanics and your body.

Swing mechanics have an effect on clubhead speed. Optimal swing mechanics develop greater clubhead speed than poor swing mechanics. If you do not believe me, try this little experiment.

Go to the range and pull out your driver. On your first swing, swing smoothly and in control. On your second swing, swing as hard as you can! Which golf ball went farther? I am guessing the first one.

This little experiment just goes to show that the mechanics of your swing have an effect on clubhead speed and distance.

Bottom line on the swing mechanics side of the equation, the more efficient your golf swing mechanics are the greater amount of clubhead speed you will be able to generate.

Now, on to the second part of the equation, your body.

The body supports your golf swing mechanics. If your body does not have the flexibility, strength, or power to swing the golf club efficiently, the ability to generate clubhead speed will be compromised.

And if your body is inflexible, weak, and lacking the potential to generate power, clubhead speed will be a difficult entity to create.

Applying the idea of power to golf can be simply identified through clubhead speed. If the clubhead is moving faster at impact with the golf ball, what does this tell us about the golfer?

The golfer is more powerful, and the ball will probably travel farther.

How can a golf fitness program increase the power production in your swing?

Increasing your flexibility allows you to perform the mechanics of the golf swing more efficiently opening the door for improved clubhead speed.

Increasing your strength and power levels around the golf swing allows your body the potential to generate greater amounts of clubhead speed.

Put these entities together with your efficient golf swing mechanics and you will find increased clubhead speed in your golf game.

Now, aging presents a very interesting situation. As you age, the natural levels of flexibility, strength, and power decrease.

Yes, as you get older the body slows down. The slowing down has an effect on your golf swing.

You do not have the flexibility to perform the mechanics of the golf swing. The lowers levels of strength and power decrease the ability to generate clubhead speed.

In order to reverse the effects of aging and improve your clubhead speed, you need to implement a golf fitness program.

A golf fitness program can slow “the hands of time,” improve your flexibility, increase the strength within the body, and improve your power outputs. You essentially become an ageless golfer.

Bottom line, better flexibility, increased strength and power training will increase your clubhead speed, lower your scores, and you’ll get a lot more enjoyment out of the golf course.

Sean Cochran

Ebooks with resell rights

Starting a home based business that is different than the millions of others can sometimes be difficult. After all, you will want to get involved with something that does not have tons of competition. While carving out a niche from nothing can be hard to do, you can find a less competitive field if you are willing to put some time into the research process. One of the best opportunities out there is to sell ebooks with master resell rights. This may not seem like a great idea, but there are many people who love buying ebooks for one reason or the next. And if you give them ebooks with master resell rights, they can in turn sell them on their own to make money. So as you can see, this home based business is a dual edged sword. Not only will you be able to sell to people who like to read ebooks, but you can also get in touch with those who want to buy and then resell them on their own.

The first step to getting started is to find ebooks with resell rights. This may have been hard a few years ago, but this industry has developed quite a bit as of late. You should be able to find plenty of these ebooks for sale. But remember, not all ebooks are created equally. If you are expecting to turn this home based business into a money making machine, you will need to offer ebooks that people want to read; and of course, ones that they would not mind reselling either.

There are many ways that you can run this type of home based business. Your best bet is to set up a website where you feature all of your ebooks. This can be done in no time at all, and the better your sites design the more chance you will have of success. To really give yourself a good chance of high sales, make sure that you have hundreds of ebooks with master resell rights. After all, the more options that you have for people the more likely they are to make a purchase. If you can position yourself as one of the largest ebook sites, with quality material for sale, you will be well ahead of the competition.

Selling ebooks with master resell rights is a legitimate home based business. As mentioned above, the nice thing about this business is that the industry is not overcrowded. This is not to say that you are going to be the only person in this industry, but you will not be so bogged down with trying to outdo thousands of competitors.

Look into ebooks with master resell rights if you are hunting for a great home based business.

Don t let the weather take your breath away

There are several weather related conditions that increase the risk of asthma attacks. Hospital admissions for breathing problems often increase as pollen counts rise and there have been many well-documented asthma epidemics following thunderstorms. In these cases many of those admitted were hay fever sufferers with no previous history of breathing difficulties.

A combination of thunderstorms and high pollen counts can trigger asthma. When thunderstorms develop they draw up air over a large area. If there has been a dry spell of five or more days there will be plenty of pollen lying around that will be drawn up with the air. As clouds are created ice forms around each pollen grain. The grains circulate within the cloud, going through several freeze and thaw cycles. This shatters the grains, breaking them into even smaller pieces. When it rains the shattered pollen plunges downwards. The pollen is now smaller, more concentrated and effectively more allergenic because the smaller particles can get deeper into the lungs.

Smog is also a weather related asthma trigger. Despite its name it is seldom a mixture of smoke and fog. It is the effect of heat and sunlight on car fumes and solvents producing high levels of ozone at ground level. Although ozone high in the atmosphere blocks dangerous ultraviolet rays from the sun, ozone at ground level affects those with respiratory problems. Elevated levels of ozone and nitrogen dioxide seem to make lungs more sensitive to allergens and can also be an irritant.

Often the people most at risk are those who have not been diagnosed with asthma. They do not know what to expect and have no medication. If you work in or near a city the worst storms are those that occur in the afternoon or evening when ozone and pollen levels can be high. The situation is worsened if there is little or no wind to sweep away the pollutants. If you are asthmatic or a hay fever sufferer and thunderstorms are expected in your area, make sure you are using any preventive treatment and that you carry your reliever medication with you at all times. Stay inside if possible and avoid strenuous exercise.

Heat and humidity are other factors that can trigger asthma attacks. Stay indoors, ideally in air-conditioned areas and keep your inhaler nearby. If you cannot avoid the heat try to reduce other factors like tobacco smoke and dust. Often it is not the heat itself that affects people with asthma, it is the allergens that are present in greater numbers when the weather is hot.

Pollen counts vary throughout the year, but many plants do pollinate heavily during the summer months. Molds reproduce by releasing spores that can be allergenic, especially during damp, warm weather. Dust mites breed heavily during hot, humid weather.

If you are susceptible to exercise induced asthma you will also need to take care when the weather is cool and dry.

Even when the weather is calm there are potential problems. Airborne pollution like smoke and other particulates can build up in areas where the air is not moving the pollution away.

If you want to keep track of your triggers there are many websites that give details of allergen distribution and air quality forecasts. If you do not know what triggers your asthma or allergy it is vital that you find out as soon as possible.

Ewen chia s instant bestsellers may not work for you

If you are self-employed or looking to be so, one thing that you may not have considered is selling products, yours and otherwise, on the internet. Marketing is a difficult task even for trained professionals, and for people just jumping into a new field, marketing can be the tool that makes or breaks your new endeavors. No matter how good your new product or service is, if no one's heard of it, no one's going to try it, and your revenues will reflect that.

Ewen Chia's Instant Bestsellers Tele-Coaching Program is one of the tools that has been offered to new would-be entrepreneurs and so far the results are promising. Ewen Chia offers 10 years of experience in marketing instant profit-producing products, but the benefits offered by his program don't end there. Not only are there tips on marketing your own products and services, there are terrific insider tips on how to make your money off of new and upcoming trends. Ewen Chia's program has a great deal to recommend it, and for the budding online businessperson, this is a resource that should never be far from your fingertips.

The Ewen Chia’s Instant Bestsellers Tele-Coaching program comes with two modules. The first is an audio file that is easily accessible no matter what you are doing. You can pop it in if you have a long commute or pop in into your iPod. With this handy format, absorption of this important data is a breeze, and it's even easier with the second module. Module 2 is the audio transcript of audio, which gives you a chance to take notes and follow along. Many people learn differently and the Ewen Chia’s Instant Bestsellers Tele-Coaching program leads through example; the dual-pronged nature of this course is one that works to its advantage as it makes sure it packages information in a way that can be reached and assimilated by the maximum amount of people.

The question then becomes, what are you actually getting with this product? Unlike other make-money quick schemes, Ewen Chia's Instant Bestsellers Tele-coaching Program actually gives you good, concrete advice on how to start working independently and ensures that the product you end up backing is a good one. The modules are divided up into six sections, each one geared towards helping you break into a growing field.

Section A will make you aware of covert strategies regarding marketing, things that successful marketers only find out after years of trial and error.

Section B tells you how find the products to market, and how to judge the quality of the projects that you are getting involved with.

In Section C, you focus on product promotion in ways that are unique to this type of venture and you learn to take advantage of the media that you are using.

Section D gives you good and clear information on how to develop your product from idea into a full-blown marketing venture within 24 hours.

Section E, deals with copy writing and the packaging that is involved, something that many new entrepreneurs ignore to their cost.

In Section F, the Ewen Chia’s Instant Bestsellers Tele-Coaching Program clues you in on tips to get your product up to a professional level and fast; the promise of five figures in under 30 days is their promise and their techniques give you an idea of how that is possible.

Two of the things that recommends this venture are the two partners. Ewen Chia has ten years of experience in the realm of internet marketing and he has made his mark in an industry that is relatively new and unpredictable. Similarly, CW Teo offers the good experience coupled with several diverse avenues that have made his clients very wealthy individuals. Both of these men have the insider's information making money online and this valuable guide is something that shows off their media savvy.

Remember that these techniques do require a certain amount of self-motivation; while the strategies that the program provides are good ones, they only work if you are willing to put the effort into them!

If you are interested in making a mark in a new market that is bristling with potential, Ewen Chia's Instant Bestsellers Tele-Coaching conference may be for you. Take a look at the innovative prospects offered by this aggressive marketing strategy and judge the resulting profits for yourself!

The lcd hdtv viewing experience

Imagine how an LCD television could introduce you to an exciting new world of digital entertainment and revolutionize your home viewing experience with the style, quality and flexibility that only LCD HDTV can offer. With a wide range of sizes and sleek designs, LCD HD television is a perfect fit for any room.

LCD HDTV refers to the size and image screen of the television. LCD HDTVs are much like plasma TVs as both feature a very thin television screen, but LCD HDTVs are up to an inch thinner than a plasma TV screen. This thin configuration allows them to be mounted almost anywhere imaginable. LCD screens are essentially larger versions of your flat-panel laptop computer screen.

LCD, or Liquid Crystal Display, is used for a variety of electronic gadgets. In general, cellular phones use this screen technology because of its ability to produce images even in a small size.

The cool thing about the LCD HDTVs is that they are usually about only 2 inches thick and can be put in places that a lot of ordinary televisions cannot be placed. The LCD screens are also tremendously dependable and last for many years before showing any detectable picture degradation. You also get bonus trend points for owning one. The disadvantages are that they are expensive and are limited in screen size to around 40 inches maximum due to the internal technology.

Both LCD televisions and plasma televisions are as thin as currently possible. In screen size, plasmas usually run larger. However, plasmas don't usually come in smaller sizes, which is sometimes desirable. Plasma has a wider viewing angle, but they both have good lifespan. Plasma will occasionally suffer from "burn in" effect. LCD TVs are at times susceptible to a delay that causes the outline of figures or objects to appear jagged.

LCD TVs are renowned for a sharp picture and vibrant color. Plasma TVs are noted for a wide range of colors and accurate color reproduction. LCD TVs are said to perform slightly better in bright-light conditions. Plasma TVs generally produce very black blacks while an LCD TV will usually display a very dark charcoal gray. Technically, plasma TVs are said to have greater contrast levels. Prices for both types of televisions are decreasing quickly.

You also hear much talk about plasma and LCD screens currently. The screens that were the standard for decades are called CRTs, and they have worked just fine. If you use that kind of screen, bear in mind that plasma and LCD screens are still quite expensive. However, they do provide crisp and clearness that the old CRT screens could never hope to provide.

The best part is, because they are so in demand, many name brands have started producing their own LCD HD television sets. This influx of competition in the market has caused the prices to drop.

As each manufacturer attempts to lead the record sales, more features are being offered and prices are continually dropping. Soon, all homes should include an LCD HD television set.

To compare the dominant prices on the market today, one only has to go on the Internet and browse the plethora of LCD HDTV being offered.

Get high quality one way links using articles

Using articles to get one way, high quality back links is an extremely effective and successful linking technique. Why? When you write an article, you're providing the fresh content that search engines love and you're demonstrating your expertise and abilities.

By writing articles, you're establishing yourself as an authority in your field and creating a positive feedback loop which, in turn, will drive more traffic to your website.

Follow this three step process to start your article marketing strategy.

Step 1: Research and Write Your Article

The obvious first step is to write your article. Before you turn on your computer and open your favorite work processor, you should spend time planning your article. If you begin typing without any planning, you probably won't get very far.

You need to brainstorm at least 10 different topics, all relating to your website. You will develop these 10 topics into 10 separate articles.

Once you have your 10 topics, you'll write one article, 400 to 500 words in length, about each one. Each topic should differ enough to allow you to reach the minimum word count. The topics should be related and easily tied together, but they need to be sufficiently different.

Since you're writing articles that will be posted to other websites, make sure that you use shorter sentences and shorter paragraphs. Most people on the web will skim the article looking for main points.

Your title should speak directly to the main content. They don't have to be cute, fancy, or obsessively creative. In fact, you can actually mislead readers if your title is too creative.

Use your main keywords with a quick synopsis of what the article is about (e. g. High Top Shoes – Choosing the Right Pair for Your Sport). Simple, direct, and to the point, that's all you need.

Once you have your article written, it's time to add your resource box

Step 2: Add a Resource Box for Impact

You need to develop a persuasive resource box that makes its point clearly with a strong call to action. In order to do that, you need to ask yourself these questions:

1. Why should or would the reader of this article click on my link?

2. Would I click on this link?

3. Does the article compel me to seek further information or take action?

4. If I wouldn't click on the link, why would anyone else?

A five to six line resource box is not unheard of, but a resource box of three to four lines is most generally well received and very successful.

You must give the reader a reason to click your link without sounding like a sales pitch. So, forget the "buy one get one free" offers and the "limited time only" jargon. Just compel the reader with facts and tried not to sound like a salesman.

One critical and often overlooked point is your hyperlink. Make sure that your link's anchor text includes the keywords that you want to be ranked for in the search engines. Don't use your personal name or website URL unless those are the terms you want to get ranked for.

Also, make sure the link is functioning correctly and is pointing to the correct page you're promoting. I see this mistake all the time; you click on a link and get a 404 page not found error. That's not a good way to make a first impression.

Last but not least, proofread the article. My own technique is to write the article, do a cursory check, then a second check. I do one last proof a day later. I'm amazed at how many mistakes I catch by waiting another day before I start the promotion process.

Step 3: Promote Your Articles

I prefer to write all my articles at once and then promote. You may want to write one article and jump to the promotion right away. You'll have to determine for yourself which way you like best. Either way works fine.

Now that you've written your articles, applied your formatting, finished your proofreading and added your resource box, it's time to start promoting.

There are several places you can start promoting your articles:

1. Article submission sites and directories

2. E-mail announcement lists

3. Ezine publishers and webmasters that share your target audience

4. Submitting your article to high page rank and high ranking websites

Another great way to promote your articles is to package and distribute them by bundling them according to popularity and creating a free e-book, report, or course. You can set up an autoresponder on your website where visitors can sign up and receive your e-book as a free download. Encourage them to distribute the ebook freely.

Get out there and promote your ebook on other sites. Push it around. Get it into the hands of as many people as possible.

Article Marketing - An Effective Strategy

Writing and promoting articles is an effective way to get high quality back links to your website. When you write an article and include a link back to your site, you're getting a link from a sight without the requirement to link back to that same website. Hence, you're getting a one way link. The article also serves as a PR or marketing vehicle for your site. The article is serving "double duty". You're not only getting one way back links, you're also getting visitors who click through your article's links.

If you take your time, do your research, and write good, quality informational articles, you will be on your way to higher search engine rankings and more sales. I can guarantee it!

Bass fishing tackle-tips to help you pick the best tackle for your trip

Finding good bass fishing tackle can be rather difficult challenge today. Many people are taking to the lakes and streams today to start fishing, as people of all ages and physical conditions can fish. Fishing, along with golf, is one of the few sports available that just about anybody can take part in no matter there age or overall physical condition.

Therefore, fishing is becoming more and more popular every single day, and bass fishing is certainly one of the most popular kinds of fishing there is.

Therefore, with the rising amount of people using bass fishing tackle, this is also leading to an increase in the amount of competition among manufacturers making this can tackle. Here some important tips to help you find the right fishing tackle the help you.

Here are some quick tips to help you organize your best fishing tackle for maximum effectiveness on your next bass fishing trip. First of all, it is extremely important that you change up your bait when they are not giving you the results you want. For instance, if you are trying either crash or a spinner bait, and it is simply not producing fish, you might want to try switching.

There’s nothing worse than spending a whole day out in the pond and catching no fish, simply because you’re using the wrong bait. After you tried a certain candidate for a little while, if it doesn’t work, than simply switch to the next.

Unfortunately, you can never know which they will work, because different bait works in different situations in different locations. That’s why you’ll need to bring an assortment of bait, because you never know which one will work with a particular situation.

Also, when you’re organizing your bass fishing tackle storage system, first ask yourself how much tackle do you want to have? For instance, having a large storage system is certainly not a good choice if you don’t plan to do a lot of fishing during your outing. This simply causes you to waste a lot of tackle that could otherwise be put to good use.

Also, how easily accessible is the bass tackle? Can you get to it quickly and easily count without having to waste a lot of time while you could be out catching fish? Very simply, speed is very important to catching fish, and if you don’t have the right tackle on hand when the fish are coming, you will not catch any bass.

Probably the most important part is to plan your bass fishing for beforehand. For instance, if you’re planning to go to a particular location, you want to make sure that you the tackles organized in a particular way, so that you have to waste time trying to find the right equipment when you need it. For instance, if a certain type of fishing tackle is now working in attracting the fish, having a proven system in place is extremely important to submit be able to get the day you want as quickly as possible.

So where can you find the best bass fishing tackle for your next fishing tackle? There are many places you can find this, from the Internet to Bass Pro shops, etc. Also, it is probably sold in many general sporting good stores, even if they are not fishing specific. Of course, you can never find the right bass fishing tackle for you unless you know where you want to fish and what kind of bait they generally like to go after.

You have to know this information beforehand before beginning to look for your bass fishing tackle, as it is obviously different they will work in different situations. Therefore, plan this out beforehand, follow these tips, and you’ll find the right bass fishing tackle for your next fishing trip quickly and easily.

Cheap car insurance in nj

Ideally, you could get the cheapest car insurance you want. In reality, there are actually steps you can take to get the cheap car insurance you want.

What exactly makes car insurance cheap?

Many factors are used to determine the price of your car insurance in NJ. Such factors include the number of years you’ve been driving; the age, model, and make of your car; your driving record; your location; the safety components and anti-theft devices on your car; and the car insurance company from which you purchase your car insurance policy.

Many times, drivers and vehicle owners can get cheap car insurance in NJ if they’re experienced drivers with minimal or zero incidents on their driving records. Those drivers and vehicle owners who have, or who install, additional safety features such as anti-lock brakes, automatic safety belts, and child proof locks usually get cheap car insurance rates, too.

If your driving record is less than perfect, now’s the time to begin working on it. Contact your motor vehicle department and ask about driving classes you may be able to take to lessen the points on your record. And, of course, practice safer driving to avoid obtaining more points.

I own a car, but don’t have a garage – will this affect my insurance rates in New Jersey?

Maybe. Maybe not. If you can rent garage space close to your home, that would definitely help your car insurance company see that you’re taking the necessary steps to protect your car. You should also consider using an anti-theft device, as well as parking your car in a well-lit area – even if it’s not a garage.

What does NJ have to say about getting cheap car insurance in NJ?

Lots. The New Jersey Department of Banking and Insurance dedicates and entire section of their Web site to insurance consumers – including car insurance consumers. Contact them or visit their Web site for more information.

Keep away from the foods that cause gout

Gout is a form of arthritis that causes inflammation, pain, sourness and swelling of the joints, also reducing their mobility. It mostly it affects the joints of the lower body limbs, such as toes, heels, ankles and knees, but it can also affect the joints of the upper body. Gout sometimes affects skin and soft tissue like muscles and tendons, causing swelling and rigidity. There are many factors that contribute to the occurrence and the development of gout, such as genetic predisposition to the disease, renal insufficiency, inappropriate diet and lack of proper exercise. Among all these triggers of gout, the quantity and the type of food consumed seem to play a very important role.

In the past, gout was referred to as “the disease of kings”, as it mostly affected rich people. The high incidence of gout among the rich, noble families in the past is explained by the fact that they had better access to expensive, exotic foods that in present are known to facilitate the development of the disease. Today, many people are still confronted with gout as a result of improper diet, unaware of the damage that some foods cause to the organism. Apart from foods that cause gout, another important factor in the development of the disease is obesity.

Gout is mainly caused by the crystallization of a substance called uric acid in the bloodstream, causing arteries to block. In normal quantities, uric acid is neutral to the organism. However, when in excess, it may cause a lot of damage. Uric acid is a residual product formed in the synthesis of purine. Purine is a substance that resides in fat meats, fish, some dairy products and vegetables. Foods that cause gout are rich in saturated fats and purines, therefore contributing to the excessive secretion of uric acid. Among the foods that cause gout, the most dangerous are considered to be red meats and some fish. Beef, pork, lamb and seafood should be avoided when suffering from gout. Furthermore, healthy people should control their intake of such foods in order to prevent the acquiring of gout. Other foods like chicken meat, low dairy, grains, green vegetables and fruits are well tolerated among people who suffer from gout.

In order to ameliorate the symptoms of gout, foods that cause gout should be excluded from the diet in favor of healthy food. Also, the consumption of alcohol should be reduced, as it increases the amount of uric acid produced by the organism. Smoking can aggravate the symptoms of gout too, slowing the natural process of healing and interfering in the right circulation of the blood.

By drinking plenty of water you will help the body in eliminating the excess of uric acid. It is strongly recommended to drink at least 2 liters of water a day. Also, try to reduce the amount of saturated fats from your diet and eat more carbohydrate rich foods such as cereal, pasta and bread. Consume plenty of fruits, as they contain lots of important vitamins and minerals. Fruits like apples, oranges, nectarines and lemons should be a part of your daily menu.

The dukes of hazzard season 4 dvd review

For much of the early 1980s, the CBS prime time line-up was dominated by two shows: Dallas and The Dukes Of Hazzard. Following the adventures of the fictional Duke family of Hazzard County, Georgia, the series chronicled their endless struggles with local law enforcement officer Rosco P. Coltrane and his domineering supervisor, J. D. "Boss" Hogg. Cousins Bo, Luke, and Daisy lived on the family farm with their Uncle Jesse, and friendly mechanic "Cooter" often aided them in foiling Boss's plans, but the true star of the series was an orange race car known as the General Lee...

The Dukes Of Hazzard (Season 4) DVD features a number of exciting episodes including the season premiere “Mrs. Daisy Hogg” in which Jamie Lee Hogg, Boss’s polite and “un-Hogg-like” nephew moves to Hazzard County to open an old mill. Daisy and Jamie Lee fall in love and announce their engagement, much to the chagrin of the Duke and Hogg families. But Daisy doesn’t know that Jamie Lee is running a counterfeiting ring out of the mill… Other notable episodes include “Sadie Hogg Day” in which Boss, about to get a visit from the state auditor, rigs a drawing so that Daisy becomes County Treasurer for the day – making her legally responsible for the county funds, and “Dear Diary” in which Roscoe’s diary, detailing his various crimes with Boss, is left at the Duke farm by mistake. When Jesse tries to return the diary, two crooks steal it and use it to blackmail Boss and Roscoe…

Below is a list of episodes included on The Dukes Of Hazzard (Season 4) DVD:

Episode 60 (Mrs. Daisy Hogg) Air Date: 10-09-1981

Episode 61 (Double Dukes) Air Date: 10-16-1981

Episode 62 (Diamonds in the Rough) Air Date: 10-23-1981

Episode 63 (Coltrane vs. Duke) Air Date: 10-30-1981

Episode 64 (The Fugitive) Air Date: 11-03-1981

Episode 65 (The Great Bank Robbery) Air Date: 11-06-1981

Episode 66 (Sadie Hogg Day) Air Date: 11-13-1981

Episode 67 (10 Million Dollar Sheriff: Part 1) Air Date: 11-20-1981

Episode 68 (10 Million Dollar Sheriff: Part 2) Air Date: 11-20-1981

Episode 69 (Trouble at Cooter’s) Air Date: 11-27-1981

Episode 70 (Goodbye, General Lee) Air Date: 12-04-1981

Episode 71 (Cletus Falls in Love) Air Date: 12-11-1981

Episode 72 (Hughie Hogg Strikes Again) Air Date: 12-18-1981

Episode 73 (Dukescam Scam) Air Date: 01-01-1982

Episode 74 (The Sound of Music – Hazzard Style) Air Date: 01-08-1982

Episode 75 (Shine on Hazzard Moon) Air Date: 01-15-1982

Episode 76 (Pin the Tail on the Dukes) Air Date: 01-22-1982

Episode 77 (Miz Tisdale on the Lam) Air Date: 01-29-1982

Episode 78 (Nothin’ But the Truth) Air Date: 02-05-1982

Episode 79 (Dear Diary) Air Date: 02-12-1982

Episode 80 (New Deputy in Town) Air Date: 02-19-1982

Episode 81 (Birds Gotta Fly) Air Date: 02-26-1982

Episode 82 (Bad Day in Hazzard) Air Date: 03-05-1982

Episode 83 (Miss Tri-Counties) Air Date: 03-12-1982

Episode 84 (Share and Share Alike) Air Date: 03-19-1982

Episode 85 (The Law and Jesse Duke) Air Date: 03-26-1982

Episode 86 (Dukes in Danger) Air Date: 04-02-1982

When fasting for weight loss remember the following

Well, it’s been labeled as “the greatest remedy-the physician within” by Philippus Paracelsus and more and more people are discovering the use of fasting as a means of improving health and losing weight. However, as beneficial as this method can be, being radical in nature, the use of fasting should be approached with care.

Though fasting is by far a greater cure of our ills-both physical and mental-than all of the drugs of the medical fraternity combined, for weight loss or for anything it may be used for, one has to be aware of certain criteria to achieve success with its use.

These include the types of fasts one can use, how long to fast, when to fast and how to come off of a fast.

Friends, there are several types of fasts that can be beneficial for weight loss.

1. The complete water fast: This, admittedly, should be conducted with extreme caution or in a specialized sanitarium if undertaken more than 3 days.

2. The Juice Fast: This is much easier for the general populace and can be undergone as long as you feel like it.

3. The Fruit Fast: This, well, is really not a fast per se…but when one lives exclusively on SEASONAL ORGANIC fruits for days on end…meaning mono meals (2 at the most ) of only one kind of fruit say Apples in Fall, Melons in summer for a week plus, you will be bound to see the benefits.

The second and third choices are by far my personal recommendations for those seeking to lose weight through fasting.

How to Fast

Being far-reaching in nature, fasting must be undertaken with care, however from my experience with it, here are a few tips to hopefully get you started.

1. Prepare yourself for a fast by gradually tapering off of acid-forming aka “junk foods and commence to consuming raw and cooked fruits and veggies to begin a milder cleansing process as these items are the best intestinal brooms for the colon.

2. Every now and again, 3 hours after supper and say an hour or so before retiring to sleep, drink an herbal tea laxative such as “Smooth Move Herbal Tea” during this preparatory stage.

3. Drink 1-2 quarts of unflavored lemonade in the mornings to balance the chemical reactions within the body and to restore it to an alkaline state.

4. Be mentally prepared for the task ahead of fasting.

5. Take things a little easier while fasting or on a mono-diet of fruit.

6. Avoid using microwaves at all costs-can’t go into detail as that is another subject, however, TRUST me. You want to exclude the use of this so-called convenience device not only while fasting put permanently.

7. Taper off a water fast by using the second type (juice fasting) for a few days, then gradually going to the third (mono-fruit fasting), then afterwards you could (like I do most of the time) simply stick to tons of fruit as the core of your diet or include properly cooked roots, steamed or raw leafy vegetables.

Whatever you do, just please don’t go back to eating the old junk stuff. To explain why in a nutshell, here are two quotes: “You are what you eat” and “Let your foods be your medicine…”

I really think options 2 and especially 3 (in regards to the types of a fast) are quite easy for any and everyone to do. So why not give it a shot? I can confidently say fasting, when used properly, will not only make you lose the excess pounds, but you’d also be well on your way to a cleaner, better, healthier and happier you in no time.

It may come across as a huge sacrifice however, when you see the results, you sure will be glad you did it.

Here’s to your health and happiness.