Wednesday, January 30, 2008

Your First Car Loan : What You Need To Know

So that bucket of bolts you drove throughout high school and college has gasped its last exhaust-filled breath. Its done. That means youre in the market for a new car. Soon youll brave the treacherous world of the car lot. Be careful, its a jungle out there. Eager salesmen hover like vultures, ready and willing to separate you from your hard-earned cash.

Once you decide on a car, youll then have to survive the depths of the dealership, where finance managers lurk at every cornerpen and paper in hand, waiting for you to sign on the dotted line. But dont worry, with a little prior planning, you can get that new car without breaking the bank.

First off, you need to make a decision: buy or lease? If you like to drive a car until it diesand with todays autos running well past the 100,000 mile markthen youll probably want to buy. However, if you see yourself in a different ride every couple of years, then leasing might be the right option for you. In a lease, youre essentially renting the car for a pre-determined amount of time (usually three years). During that time, youll have to keep the car in tip-top shape and only drive it for an agreed-upon amount of miles per year (usually around 15,000). After your lease is up, you can purchase the car at a residual price or start a lease on another car.

Once you decide on buying or leasing, its time to figure out how youre going to pay for it. First, decide how much you can afford to spend on a new car. As a good rule of thumb, many experts suggest that you spend no more than 20 percent of your net income per month on a car payment and other related auto-expenses.

Next, decide how you want to pay for it. Once youre on the lot and fall in love with your dream car, the salesperson will do everything in their power to get you to finance the car through the dealership. Auto financing is a big money industry, and car manufacturers would be remiss to not take advantage of it. Financing with the dealership is tempting, as its the quickest way for you to drive off the lot in your new set of wheels.

But buyer beware, dealers know that buying a car can be a mentally exhausting experience, and finance departments will often add hidden fees in the paperwork for services or features you dont want (e.g., extended warranties, service agreements, etc.). Dealerships also offer attractive financing deals like rebates or low interest rates, but many of them depend on your credit scorewhich you should always know before you even step foot on the lot. You can check your credit score and correct any errors by visiting www.equifax.com, www.experian.com, or www.transunion.com.

If you want to be a truly empowered car buyer, then secure a loan through a bank, credit union or other lending institution before you buy. Youll generally get a lower interest rate than what the dealership can offer you, and youll essentially become a cash buyer. This means youll have more negotiating power on the total price of the vehicle, lower monthly rates, and no chance of the dealerships finance department sneaking in any hidden fees into a finance contract. Most lending institutions, upon approving your loan, will give you a check that can be made out to a dealership. Negotiate the price of the car along with tax and licensing fees, and off you go.

Whether you lease or buy, finance through the dealer or through a separate lending entity, always read every contract that requires your signature thoroughly. Make sure the figures in the contract are correct and that you understand all of the charges included. Also, if at any time you should feel pressured by a car salesman or lending agency, walk away. Remember, you are the buyer, therefore you have the power.

Happy hunting!

Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.uk.Bunny Blog87367
Aprilette Blog32710

Tips for Choosing Your Support Group & Caregivers

Tips for Choosing Your Support Group & Caregivers

Support groups come in all sizes and flavors, in person and online. Whether you're looking for a divorce support group, a cancer support group, depression, grief, or weight loss support group, the elements for providing you with substantive and positive emotional, mental, physical or spiritual support are still the same. There are two kinds of support groups: positive and negative.

Positive:

A pro-active positive support group is one that promotes learning about new medicines, new procedures, new clinical trials, new books, CD's et al about your disorder. This group promotes going forward, and helps facilitate your research and personal empowerment as a blessing.

When you are introduced to the group they do not spend endless hours recounting the disease story about why you are here. It's a fact that does not need to be addressed again and again that you have a disorder story. YOU live it, so why keep going over it and over it and over it, to activate all that negative energy?

That's WHY you joined that particular group.

The positive group leader is not intimidated by your unanswerable questions, but is inspired to become more educated about your topic. Your leader encourages you to ask current unanswerable questions and challenges each member to think beyond disease limiting conditions and current horizons.

They promote all of the members to participate by delegating various positive assignments for everyone.

If this is a local group, you take "glad to be alive, share life" field trips that have absolutely NOTHING to do with the disorder, and EVERYTHING about feeling good about yourself, seeing the world, laughing and having a balanced life.

This group supports taking care of your appearance, sharing new ideas, resources and adventures about makeup, hair, wardrobe, personal hygiene and physical rehabilitation and exercise. This group wants you to care about your personal appearance, so when you look in the mirror and are seen by friends, you look alive, and as healthy and refined as possible for your condition. They discourage maintaining a "sick" image.

Negative:

It should be a great concern to be in a group that does nothing but recount what was and all that is unhealthy and unhappily going on in the life of it's participants. Inevitably this will negatively impact participant's minds and spirits. This is often seen in online Internet groups.

Research tends to support that recounting your horror story and reading the countless venting of others, does not support a positive attitude that promotes physical healing and healthy emotional and mental responses.

This group meets only to go over and over and over your tale of diagnosis and personal devastation, from your introduction "story" to your tale of weekly woes. This is a disorder "victim" group.

It is commiseration of negative energy at the highest level of disguise.

No matter how much you think that this group is helping you, they are not. They exist to talk about and share negative experiences creating a "stuck" atmosphere. Its bonding by perpetual "downers."

You do not receive points on the other side for being a victim of your diagnosis, disease, or plight.

You are in fact, contributing to your own demise. Acceptance is one thing, denial another. Being a victim assists your problem in draining your own life force energy. Having a problem and addressing it with the "pity poor me" approach is futile. It may elicit help for a while, but the keyword here is for a while. Give up the pity party. Fight! Instead, use that time researching how to restore and regenerate your life.

Do not use the fact that you are having a terrible reaction to something in your treatment as making you special or as your identity. I have seen many cancer clients who wanted attention, and used the negative occurrences in their illness as a banner to set them apart. This is not productive.

It frustrates your healthcare provider. They are aware of the psychological reasons you are using your negative reaction for attention. Understanding that this is a confusing and complicated time in your life, try to take your identity from your positive approach to life. Therefore, when you healthcare provider does not emphasize or respond to your negative identity crisis, its a good sign. Their job is to assist your health, not enable you.

Grieving is an area that takes a little more time. HOWEVER, positive attitudes are essential here also.

Although you have lost a loved one, living with a dead memory can kill off your life force energy day to day and breath by breath. I personally understand this as my fiance was killed in a sudden auto crash. I never had the chance to say ANYTHING! However, it's better to celebrate their life and remember all the good. Then you keep all the "positive" alive which is contributory to your healing. By celebrating their life, you never have to bury their memories. You can take them out at any time, like a special gift and savor all the wonderful thoughts and feelings.

Weight loss is just that. It takes times. However, while waiting, you can focus on the light at the end of the scale, instead of the chocolate bars and emotional traumas creating your health issue. You CAN tell a health story that presents your "learning opportunity" as a learning opportunity to help heal the others in your group, rather than a commiseration band aid.

If your group is not continually teaching you new and progressive things, and supporting your positive emotional, mental, spiritual and physical and appearance growth, leave.

If your group doesn't embrace having an open mind and awareness without censorship other than that of your personal intuition, leave!

UNTIL you take your knowledge gained from any group and turn it into a positive learning opportunity that you do something about! you are not going forward. Unless you choose to grow forward, you will remain in the same condition that brought you into the group in the first place.

Research continues to affirm that being a part of a positive support can add quality and quantity to your life. Although the intent of most support groups is to be contributory in helping it's members, a negative group can ultimately do more harm than good.

Feel free to reprint this article in its original format.

Contact Information:
Brent Atwater. Alternative Medical Specialist
Medical Intuitive, Distance Energy Healing
ATL, GA Phone: 404.242.9022 USA
NC Phone: 910.692.5206 USA
Website: http://www.brentatwater.com/
Email: mailto:Brent@BrentAtwater.com

Disclaimer: Brent Atwater is not a medical doctor or associated with any branch of medicine. Brent works in Alternative Medicine. She offers her opinions based on her intuition, and her personal energy healing work, which is not a substitute for medical procedures or treatments. Always consult a physician or trained health care professional concerning any medical problem or condition before undertaking any diet, health related or lifestyle change programs. There are no guarantees with the Energy work.

Brent Atwater: Medical Intuitive, Energy Healing: As an alternative medical specialist (CAM), her international evidence based Medical Intuitive & Distance Energy Healing work is published and has been studied by & or documented at Duke, the ARE, & for animals by the NCSU's Vet school. She participates in research & Clinical trials. ARTIST: An artist 30+yrs, Brent is a pioneer in healing art by scientifically documenting Paintings that Heal. Her art was featured on "PBS". At 16, NC Museum of Art chose her painting for the permanent collection. She founded Just Plain Love Charitable Trust to benefit children. AUTHOR: Just Plain Love Children's Healing Books. The books are translated into plays performed in children's healthcare facilities turning illness negatives into positives. "Cancer Kids, God's Special Children". "Positive Attitudes, Affirmations, & Actions for Overcoming Your Health Challenges", & "Positive Attitudes, Affirmations & Actions to Help Survive Your Cancer Experience". Brent attended Wake Forest Law School and is a minister.Aurlie Blog14673
Alla Blog84388

You've Got E-mail!

At 7AM in the head office, Carly, the Vice President, walks into her office and immediately turns her laptop computer on. While sipping coffee, she goes through her e-mails and starts working on each of them. She surfs through the companys website to check for new announcements and her navigation leads her to a sales monitoring site where she quickly spots branches with significant change in daily sales. After sending an e-mail message requesting for a meeting with the branches, her screen pops up a reminder of another meeting an hour away.

At a later time, in one of the companys branches down south, Jerry, a customer service associate, opens the branch and starts the computer. He connects to the companys network and in a moment, he is pre-occupied reading e-mails for the branch. Seeing a company-wide memo to be kept on file for his co-employees to see, he downloads it. He fires up his internet browser and, in an instant; he begins to accept customers and encodes the data in the point-of-sale system. After a couple of hours, he consolidates his transactions and sends his data just in time for the branchs cut-off.

The two scenarios above depict a typical day for employees in the future. Carly and Jerry know the importance of accuracy in data. Jerry makes sure that his data get to the head office on time. He handles the data just like how he satisfactorily handles customers who flock to his branch. Carly is aware that without Jerrys data, she can never paint an accurate picture of the companys sales performance. Thus, she constantly visits the sales monitoring site to identify which branches need to be e-mailed for their data submission.

Three years ago, when the companys computerization program went full blast, nobody realized the sweeping value of electronic mail. Now that e-mail is ubiquitous in the company, there is an avenue where anyone can voice out and exchange concerns, reactions or ideas. As if it is not enough, everyone can take advantage of its natural benefits e-mail is cheaper and faster than letters (snail mails), less intrusive than phone calls and clearer than fax. Using e-mail, differences in location and time zone is a thing of the past.

Few people know that an electrical engineer turned programmer named Ray Tomlinson sent the first e-mail message; QWERTYUIOP. Tomlinson actually picked @ as the locator symbol in electronic addresses, which has been used ever since. Although at first his messaging system was not thought to have great significance, he never expected that he continues to affect peoples lives and businesses about thirty years later.

Just imagine the future without e-mail. Carly would use official memo (with a letterhead) to notify employees for a policy change in the company, phone call to set up a meeting with a co-employee in another team, make a mail-it to communicate with affiliate offices overseas, or set a face-to-face meeting to inform associates of a change in job responsibilities. It only takes a simple e-mail to actually do the job.

In hindsight, e-mail has become an important tool in peoples lives just like the lives of Carly and Jerry, or our lives in the future. So go ahead, log in and check if youve got e-mail!

Marvin O. Ayende is the site owner, author and webmaster of http://www.ayendeph.com. He works as an IT professional in a conglomerate with headquarters in the Philippines. His string of estimable achievements in IT are associated with programming, systems analysis, database organization, networking, security, technical support, data center operations, project management, documentation and implementation.Cacilie Blog70070
Ardene Blog51599

How To Apply For Debt Counselling

Once an individual has determined that he or she is in troube in terms of debt, that is, the expenditures per month exceed the monthly income, it is time to go about setting a course of action to right the situation before disaster results. Most debtors will embark on either an official or unofficial debt consolidation program that could include any or all of the following elements: debt counselling, debt management, or consolidation loans. Individuals should keep in mind that as taking out a loan to pay off the creditors is just another form of debt, it is the least desirable of these options. Instead, the first step in a program would be to make a monthly budget that takes into account expenditures such as food, utilities, car payments, mortgage payments, and insurance payments. All of these expenditures have priority as they are essential to life and must be taken care of first. After determining how much money each month is needed for these bills, debtors will need to determine how much they can afford to put towards those outstanding bills. If individuals show enough initiative in these cases and report their plan to a creditor, the odds are that they may accept the plan as is and the debtor will not have to resort to more stringent measures of formal debt consolidation.

Formal debt processes should be avoided for the consumer for the simple fact that, even if the measure is a relatively burden free process such as debt counselling, there is a good chance that your creditors will find out that you have applied for credit repair measures. In order to receive effective consumer debt counseling, an individual must disclose information about finances and debts and these reports will cause a negative score on credit, affecting future applications. Again, though, there are some creditors that may see the application as a sign of individual initiative in terms of paying them back and therefore may still be willing to extend an individual credit once the current situation is resolved.

The very last resort for any individual debtor is taking out a loan in order to conslidate their bills. The worst case scenario is taking out a secured loan, where the individual puts up collateral such as a house. ALthough a second mortgage seems appealling due to the fact that individuals receive a large hunk of cash quickly, the fact is that if an applicant cannot pay their debts, they stand to lose absolutely everything. Individuals must really think about how they came to this spot in the first place; is it really worth a house to pay off the bills that were incured going out to eat or on home entertainment suystems? If an individual must opt for a loan, they should make sure it is unsecured.

When ti comes to debt consolidation and alleviation, there are a few main parts. The first part comes in recognizing that the situation needs a solution, and looking into options.Next, teh money and means to pay off creditors must be found. Finally, individuals must make sure that they see how the sitatuion occurred in the first place and take steps towards avoiding similar mistakes in the future. Individuals who find themselves in heavy debt must take the bull by the horns and be prepared for a lengthy process which requires a lot of commitment in order to re-establish financial well-being.

Charles Parson routinely produces informative papers on subjects dealing with business debt and credit repair. His articles on debt counselling can be encountered on http://www.creditenio.com/counselling.html and also other web pages.Barbara Blog55330
Annnora Blog65551

Free Copy Of Credit Report

Thanks to the federal fact Act, consumers nationwide are now able to get annually a free copy of credit report.

Why order for a free copy of credit report?

You credit report is actually your credit history for a period of time. Even though it is just a three-digit number but it has great importance in today's business world. Many money and bank lenders solely depend on your credit report to judge your financial stability to grant a loan. It's quite possible that your credit report may contain some errors and flaws. Remember this small error in your credit report can actually affect your credit history in a big way. In order to overcome this problem you need to get the error rectified as quickly as possible. It's a good idea to request a free copy of credit report at least once in six months.

When are you entitled for a free copy of credit report?

You are entitled for a free copy of credit report if you have been denied credit
If you are unemployed and intend to apply for employment within 60 days.
If you are a public welfare assistance
If you report has been revised
If you credit report contains inaccurate information due to fraud or theft

It is estimated that at least 48% of consumers have errors in their credit files and 12% of those errors are severe to result in credit being denied. It is unfortunate that these mistakes can actually cause you to be denied a loan, insurance or employment.

Can I get a free copy of my credit report?

You are entitled for a free copy of credit report if you have been denied cedit
If you are unemployed and intend to apply for employment within 60 days.
If you are a public welfare assistance
If you report has been revised
If you credit report contains inaccurate information due to fraud or theft

How can you fix your credit report?

Check your credit report at least once in six months and rectify errors in it immediately
Do not open unnecessary account. It would be advisable to shut down all the unnecessary accounts
Do not open multiple accounts at the same time. Remember a zero balance account is also taken into consideration.
Repair your credit report in case of any errors
Pay your minimum balances before the due date. This alone will fix your credit report

Copyright 2006 Darren Dunner

Darren Dunner is the writer of this article. For more information about the subject, kindly visit http://www.iloanresource.com.Brynne Blog22048
Antoinette Blog3184

Candidate Ford Proposes New School Site for Chicago Schools

The old Brachs plant is located at 401 N. Cicero, just north of Lake Street, in a community that has seen many of its Chicago schools closed and others placed on academic probation. The 30-plus-acre property has been vacant for three years.

LaShawn Ford is the owner of Ford Desired Real Estate and candidate for state representative of the 8th district. The democrat has an ambitious plan to use the Brach property for a new school.

In June of 2006, Ford convinced Chicago schools officials to join him in a walkthrough of his plan at the site. Though he had prior permission for the walkthrough with the Chicago schools officials, there was no one present to give them access through the 30-foot fence that surrounds the property. As with most politicians, Ford improvised by driving through a hole in the fencing to gain access.

Chicago schools officials found that the property was close to Chicagos Green Line, and it had some great parking space. Ford emphasized that a school located there could cater to many students from many areas of the city Chicago schools buses could transport students in from different districts. The Chicago schools officials saw that the location and amount of property could attract a multitude of students with diverse economical, cultural and ethnic backgrounds.

Ford further pointed out that the Chicago schools had recently invested $30 million into Austin High School for Renaissance 2010 upgrades. He noted that had they foregone those renovations, they could had invested in a new school at the Brach location that would provide much more to the Chicago schools students over the long term.

The biggest problem facing Fords ambitious plans for the Chicago schools is zoning. The old Brach plant sits in the citys Protected Manufacturing District. That means that sites within the district can be used only for industrial development. When presented with other plans in the past, the city has been reluctant to rezone the area for commercial or residential development.

The second problem is financing. The property currently is listed at the Paine/Wetzel INCOR International web site for $10 million. The Chicago schools officials have suggested that the best scenario would be for a donor to purchase the Brach property and give it to the Chicago schools for further development. Even this, of course, is contingent on whether or not the Chicago schools have enough surplus funds to build the school. The estimated cost of building is from $20 to $40 million. Of course, the perfect solution would be for donors to cover the cost of building, as well.

As it currently stands, Fords proposal is being considered by the Chicago schools. The Chicago schools officials stated that further study on the project would be needed before any decisions could be made.

Patricia Hawke is a staff writer for Schools K-12, Which provides free, in-depth reports on all U.S. public and private K-12 schools. Patricia has a nose for research and writes stimulating news and views on school issues.Alethea Blog96182
Celene Blog64052

Earning Bachelors Degree Online

Should you get your bachelor-degree online? For many people this would seem hard to do. Depending on the field of study that you plan to get, though, it can be actually quite welcoming and a great way to get in the education that you have always wanted. The online bachelor-degrees are a good way for many to get the education that they need without having to get into a college that is set up traditionally. Online bachelors degree programs are par of e-learning, learning is facilitated through, and based on both computer and communications technology.

In recent years, some of the best universities have gone online offering a variety of courses towards earning a bachelors degree. This is a good opportunity for people with busy schedules who want to earn their degree. Moreover, an online bachelors degree can be attained at ones own pace because they are more flexible, and the diploma or certificate seldom states that its an online program. The number of students choosing to earn bachelor degrees online has increased exponentially in the last ten years. In fact, the majority of people choosing to earn bachelor degrees online are adults well out of high school or two-year programs.

For some, choosing to earn bachelor degrees online is a personal goal that satisfies a desire to accomplish something. But for many, it is to become a competitive force in the workplace. Choosing to earn bachelor degrees online, people can manage to take steps towards professional development and still pay the mortgage.

To qualify for enrollment, you are only required to have a high school diploma or G.E.D. Since no prior college education is required, online degrees are also the perfect choice for someone that must work full time to pay for college.

An online bachelors degree is a four-year college degree that an individual completes and earns through the Internet. The biggest benefit of an online bachelors degree is that it usually takes less time to complete.

Some programs allow students to earn bachelor degrees online in less than four years, depending on course schedule and delivery method. Typically, the course follows a strict delivery method of one lesson per specified number of days. The student receives the lesson, studies it as instructed and then completes a test or assignment based on that lesson.

An accredited bachelor degree is recognized all over the world regardless of whether it was earned online or in a traditional classroom setting. So you need not worry about the authenticity of the online university degree programs. There is a wide range of options for online bachelor degree and online universities. So make sure that you spend adequate time on research and enroll in one of the best, most reputable universities.

There is absolutely no reason for not choosing an online program. The certificate that you will get at the end of the course from the online university will not specify whether you earned an online bachelor degree or a traditional degree. So think before you actually dismiss the idea of earning an accredited online bachelors degree.

After earning bachelors degree, you are qualified to go on to earn a masters degree. Earning a bachelors degree produces one of the greatest financial gains on an educational investment.

This article has been published by Kateri White currently writing on online degree programs topics for our website http://www.onlineuniversitydegreeprogram.info.For more details about the online degree programs, please visit our website. If any mistake found please mail kateriwhite@gmail.com.Bernardine Blog69586
Cacilia Blog91052

Jogging And Running

Jogging is a mode of running in which a person moves the body at a constant, relaxed pace for a certain distance. Physical and physiological capabilities determine the exact pace and distance he or she jogs on an outing. Nevertheless, medical experts advise that the pace should be one at which a jogger can talk without becoming winded; panting and gasping for air, and the distance should be one that will not bring about bodily injury.

To distinguish runners from joggers, authorities on the subject say that runners run a mile in seven minutes or less, train and look for competitive events to race in, or run solely for the sheer enjoyment of running; whereas joggers, who on average run 10 to 15 minutes a mile, are not as interested in competing against others as they are in improving their health and fitness.

From the middle 1960s to the present, millions of people in the United States and abroad incorporated jogging into their lifestyles. Their participation in this sporting as well as recreational activity is indicative of the ever rising importance the general public throughout the world has placed on working out and getting in shape.

In the U.S. alone, a Gallup Poll released in the late 1970s reported that approximately 11% of the adult population named jogging as their main form of exercise. This amounted to more than 15-million joggers, contrasted with 6.5 million reported by a poll released three years earlier. By 1982, studies indicated that some 25 million men and women were running or jogging a minimum of 10 miles a week. And in 1988, a poll conducted by the National Sporting Goods Association reported that people from all age groups and income levels participated in jogging.

Recently, there has been a drop in the number of people who jog or run. To a large extent, this is due to a slump in amateur athletic involvement as a whole. But it's also because there are so many other ways for a person to spend recreational dollars in order to obtain a trim and muscular physique as well as a robust heart and lungs. For instance, there now exists a plethora of sports equipment manufacturers who have devised training apparatus (e.g., Schwinn Airdyne and NordicTrack) that can heighten aerobic performance and develop strength in the same workout session. This notwithstanding, jogging still boasts millions of adherents and remains near the top of the list as one of the favorite means of exercise.

Jogging's longstanding popularity stems from a variety of practical reasons. One of these reasons is its diverse health benefits, particularly its ability to aid in the prevention and cure of cardiovascular irregularities.

Other reasons are that it is convenient and inexpensive. Unlike so many athletic endeavors, such as swimming and tennis, jogging requires no specific setting or time, no partners, no special equipment (the only gear needed is comfortable-fitting clothes plus a good pair of running shoes) and in most cases just occasional medical attention.

To elaborate on the latter, jogging does have an element or two of risk associated with it. Because of repeated shocks to the body as the feet pound against the ground at three to five times the jogger's body weight, assorted afflictions to the ankles, knees, hips, and lower back are not uncommon. And some joggers have discovered - at times tragically - previously undetected cardiac disorders.

Yet you can reduce the odds of these kinds of problems from occurring by having a thorough medical checkup to assess your body's overall state before embarking on a jogging program, by purchasing shoes that cushion the feet, are flexible and fit properly, and by progressing from short- to long-distance runs cautiously.

In fact, most beginners probably should start out by walking at a brisk pace for 20 to 30 minutes, three to five days a week rather than jog. At this stage, they are wise to apply themselves to doing nothing more than getting their legs accustomed to carrying their bodies around for extended periods of time. After a few weeks, they can alternately walk and jog, progressively increasing their jogging time until they are able to jog 20 minutes without stopping. This schedule ought to be maintained for about 10 weeks. Then, they should build up to the point where they're jogging at least three jogs of two miles or more a week.

Several authorities say that along with putting in the aforesaid mileage per week, the most beneficial way to jog is to pace yourself so that your pulse rate stays below a maximum equal to 220 minus your age - and preferably not exceeding 70% to 80% of this maximum. To illustrate, if you're 40 years old, you would subtract 40 from 220 and find your maximum pulse rate is 180. You would then multiply 180 by .70 and get the number 126.00. Hence, you should be jogging at a pace that will cause your heart to beat at a rate of 126 to 135 beats a minute. (For a person having difficulty taking his or her exercising heart rate, the simplest places to count it are the radial artery on the wrist and the carotid artery on the side of the neck. Use the first and second fingers of the hand and place them on the thumb side of your wrist or place these same two fingers on the opposite side of your neck. Take your pulse for 15 seconds, then multiply by four.)

When compared to other exercises or sports, jogging is one of the easiest and safest fitness activities; and it provides its participants with a productive workout in a relatively short period of time. For example, the energy used by average-weight men and women while jogging burns calories at a rate of roughly 100 per mile (a pound of fat contains 3,500 calories), which plays a primary role in the regulation of body weight (i.e., weight control or reduction). Furthermore, jogging decreases the body's excess fat content, lowers blood pressure, pulse rate and cholesterol level, and increases stamina and endurance.

More important, jogging elevates and sustains physical wellbeing by improving the performance of the heart, lungs, respiratory and circulatory systems, and in many instances by reversing the harmful effects of coronary disease.

Jogging also strengthens the muscles of the calves, thighs and buttocks. Numerous joggers feel that jogging has psychological benefits, too. They say that it helps them relieve anxiety and tension, and enables them to deal with stress and everyday pressures in a calm, rational manner. Moreover, jogging offers its participants the opportunity to experience, through their outdoor runs, the world in which they live.

There currently is a huge collection of books and magazines on the market published especially for joggers. These publications give advice on how to run properly, how to pick a jogging program, how to train for anything from a 5K race to a 26.2 mile marathon, offer suggestions on how to combat fatigue and injury, test and rate jogging shoes, suggest seasonal running attire, and publish upcoming running events from Honolulu, Hawaii, to Los Angeles, California, to Chicago, Illinois, to New York City, New York, to London, England, to...I think you get the picture.

Nonetheless, to get you started on the right foot (so to speak), here are a few basic tips; if you jog in warm weather, wear lightweight clothing. In the heat, you want to keep the body cool and ventilated. Additionally, to keep from becoming dehydrated, drink an adequate amount of liquids; water and sports drinks are excellent for replenishing lost body fluids. It is crucial to drink before, during and after your jogs. While jogging, many authorities recommend drinking eight to 10 ounces of liquids every 20 minutes.

If you jog in cold weather, dress in layers of clothing in order to trap body heat. Wear fabrics that are good insulators against nippy temperatures. Particularly cover your head (where up to 40% of body heat escapes), hands and feet. Nowadays, a host of well-made running suits, undergarments, hats, gloves, and socks are available to joggers at department stores and at sporting-goods shops.

As mentioned earlier, it is very important that a jogger purchase a good pair of running shoes. These shoes should have enough cushioning in them to absorb the shock of jarring foot strikes; should be flexible at the forefoot to ward off painful shin splints; should have a well-constructed heel at the rearfoot to keep the Achilles' tendon protected from injury, as well as to ensure that the foot remains stable on impact. And, of course, they should fit snugly on your feet.

To further aid in preventing injuries to the legs and feet, it also is very important to warm up before jogging and cool down afterward. Most authorities advise devoting no less than 10 minutes to stretching and strengthening exercises. (Explanations and illustrations of these exercises can be found in manuals written for joggers.)

After you've completed the warm-up routine, begin your jog at a relaxed, uniform pace, breathing deeply with your mouth open. Once you've loosened up and started to sweat, which generally occurs somewhere around the one-mile mark, gradually pick up the pace.

Following a big meal, wait one hour before jogging to ward off a "stitch," or pain in the side. But if you contract a stitch, you can ease this sudden and sharp pain by using proper breathing techniques: deep inhalations, pushing the air downward past the navel; and complete exhalations, forcing the air upward out of the abdominal area and ultimately out of the body.

An incorrect stride is yet another cause of injury to your legs and feet. Keep your body erect while jogging, with your head high and your arms swinging at hip level. Specifically, you should bend your elbows at 90-degree angles and hold them out an inch or so from your sides, with your arms moving naturally from front to back. Each foot should land under your torso, almost flat and toward your heel, and there should be a slight bend in your knee. A short stride is preferable for jogging; to get more speed, though, you will find it necessary to lengthen your stride.

The surface you jog on is important, too. Jog either on a track or other soft, padded surfaces such as gravel trails or grass, trying as much as possible to avoid sidewalks made of unyielding concrete. (With regard to exercise intensity and caloric burn, jogging on gravel trails or grass, or up and down hills, is physically tougher and burns more calories than jogging on a track.)

If you jog on gravel trails, however, the grade may still be taxing to your legs. Conversely, grass is less taxing than gravel trails but may be uneven. Clearly, you will have to do some experimenting to find out which one is appropriate for your structural make up. Nevertheless, don't forget about variety as a way of easing stress on overworked, weakened muscle groups, and as a way of keeping your jogs from becoming a mundane task to be performed.

Also, it's perfectly all right for you to slow down to a fast walk while jogging. You must erase the erroneous notion from your head that to slow down to a walk during a jog is to be a failure. No one is a failure who jogs smart, who listens to his or her body and does what he or she is realistically capable of doing. You don't prove anything worthwhile by being obsessed with completing a jog at an uncomfortable pace. So jog until you begin to get tired; walk fast until you've regained your strength, then, if possible, continue jogging. Remember that you're jogging to elevate your health and fitness levels, not to deplete them.

And be careful that you don't "stop dead in your tracks." Abruptly stopping and terminating a jog could lead to serious - if not disastrous - consequences. All the blood could be trapped in the muscles that have suddenly stopped working. As a result, an insufficient amount of blood flows to the brain or the heart or the intestine, and related symptoms arise. That is, dizziness when there is not enough blood flowing to the brain, accelerated heart beat when there is not enough blood returning to the heart muscle, or nausea and vomiting if the intestine isn't receiving enough blood.

Thus, when you've made up your mind to conclude your jog, it is very important to come to a halt gradually, allowing enough time for the heart, lungs, and other body systems and processes to recover and resume their normal resting functions.

Lastly, when you work out on a regular basis and engage in a prolonged, strenuous activity like jogging, take carbohydrates into the body before exercising to provide the stamina and strength you need to get through your workout session. After you've finished working out, you ought to take more carbohydrates into the body to keep from becoming weak and tired.

Carbohydrates change into glycogen easier than do either proteins or fats. And what your muscles need when they've been exercised by demanding, long-drawn-out motion is glycogen.

The carbohydrates that are beneficial to eat at a post-exercise meal can be simple carbohydrates such as candy or plain white sugar, however, it is better to get your sugar by eating fresh fruit. Or, you can eat complex carbohydrates, starchy foods such as breads, unsweetened cereals, potatoes, brown rice and beans.

But eating solely simple carbohydrates low in fiber and vitamins can produce a physiological imbalance that will invariably lead to a physical breakdown. It is to your advantage, therefore, to eat a broad assortment of nutritious foods from the four basic food groups.

Yet, you need not be overly concerned with consuming enough protein. To be frank, the majority of us eat more than our bodies require. Somewhere around 50 grams a day is sufficient for most people.

© La Rue Briggs - All Rights Reserved. Anita Blog88604
Aubrette Blog78131

Puerto Rico A Vacationer's Paradise

Puerto Rico my hearts devotion let it sink back in the ocean! sang Anita in West Side Story. Although Anitas song made it clear that she preferred America, for many residents and visitors Puerto Rico really is their hearts devotion! Its warm tropical climate, perennial sunshine and beautiful beaches bring millions of tourists to the island every year. It has earned its nickname, the Island of Enchantment.

The Commonwealth of Puerto Rico (Spanish for Rich Port) became an American territory and its inhabitants granted US citizenship in 1912. It is the easternmost island of the Greater Antilles chain between the Atlantic Ocean on the north and the Caribbean Sea on the south. Puerto Rico was a Spanish colony for nearly 400 years; it was ceded to the United States in 1898 after the Spanish-American War. Its Hispanic roots remain; Spanish is the primary language of the island. In addition to the main island, Puerto Rico includes several off-shore islands; Vieques, Culebra and Mona. Although uninhabited, Mona Island is a divers favorite because of its abundant marine life.

Visitors to the island flock to its pristine beaches, such as Luquillo Beach on the northeastern corner. Light brown sand and blue-green water gives way to lush palm forests that wave gently in the cool trade winds. The surrounding ocean is very deep; the Puerto Rico Trench, to the north, drops to 28,231 feet the deepest known point of the Atlantic Ocean. Thus, between the cool, deep water and the trade winds, visitors find Puerto Ricos climate very agreeable.

Aside from the glories of the beaches, Puerto Rico has much to offer travelers. San Juan, the capital city, has preserved the Spanish architectural influence in its older region. There, visitors will find original colonial buildings and fortresses carefully maintained to protect their authenticity. Native arts and crafts of all kinds, from bead work to clothing, thrive in San Juan. The fortress of San Felipe del Morro perches on the tip of the San Juan National Historic Site. La Fortalela, the old fort that is now the Governors Palace, glistens with sunlight playing off its dome roof.

Music is an essential part of the Puerto Rican culture; visitors are treated to performances of folk songs and ballads based on African and Spanish rhythms. Latino jazz music and salsa music and dancing have had world-wide influence; this alone is reason for many to seek out the Island of Enchantment. Savvy travelers know that, deep in the interior of the island, the seis dance art of the peasant farmers is performed by six couples accompanied only by the Spanish guitar. La Bomba is favored by Afro-Puerto Ricans along the coastal regions; the dance came to Puerto Rico with slaves from Africa, and is played only with two drums and maracas that accompany the vocalist. So rich in musical variety is the island that everywhere visitors are treated to some of the most sought-after music and dance performances on Earth.

Puerto Rico is known for its delightful local Hispanic-based cuisine. After a day on the beach or touring the old San Juan sites, diners are treated to sweet, colorful drinks, meals with a distinct Latin flavor, and luscious fruit and pastry-based deserts. All the while, musicians and vocalists provide the perfect backdrop to a spectacular evening.

In West Side Story, what Anita failed to mention is that since huge numbers of Puerto Ricans have immigrated to New York, New Jersey and Florida, they have such pride in their heritage that each year New York City holds a Puerto Rican Day Parade. On that day, its as if the Island of Enchantment has taken to the urban streets to remind the mainland that this American territory remains a unique treasure.

WarmIslands.com provides information on all types of tropical vacations and Caribbean cruises. Reviews include Hawaii, the Caribbean, Bahamas, Bermuda, Cayman Islands, Southern Pacific, and many more travel destinations. Enroll for a free membership at their cruise forums and participate with other cruise vacation lovers. Whether you want a tropical vacation on a cruise or are looking for a secluded stay in a villa or resort on the island of your choice, we can help you. Just imagine yourself on a warm and sandy beach enjoying your favorite tropical drink.Alejandrina Blog29834
Annabal Blog60377

PC or Mac? A Big Decision for Your Business

When purchasing new desktop or laptop computers for your business, there are a few important decisions to be made. These include which exact features you want in a computer, as well as which manufacturer you wish to purchase from. The most fundamental decision of all, however, is whether your business should use a Windows-based PC, or a Macintosh.

The primary benefit of buying a Windows PC is the mainstream worldwide popularity of the Microsoft Windows operating system. For well over a decade now, these computers have been top-of-the-line in terms of software compatibility, with most application developers thinking about Windows first and Mac second. Thats why, generally speaking, youll find a lot more business-minded programs that work with PCs than with Macintosh machines.

In terms of speed and performance, however, Macs do have some definite advantages. In terms of graphical editing, video, and multimedia, for example, Apples Mac OS computers are known to perform extremely well, often making more efficient use of memory and processing power. Macintoshes do have quite a number of profound strengths, but its their low market share (about 10%) that can render them a less-than-perfect solution for those seeking flawless compatibility with mainstream business software.

Overall, the decision of Mac or PC rests solely on what functions you value most. Its a good idea to look at numerous models of both types to determine which machine is best for your companys unique purposes.

Jeremy Maddock is a professional web-based entrepreneur who owns and operates over 20 sites, including http://www.bizcomputers.info/Anica Blog92461
Addie Blog54651

House Design Software - How to find the right one

Have you ever considered designing your own house but had absolutely no idea, the knowledge or the tools to even get started. With today's technology you do not need a degree in designing anymore because you can easily design your own house with a house design software. All you have to do is choose the right house design software and you'll be set to design a house of your dreams whether it's regarding the landscape, the garden, the interior or even the colors on your walls. Just because you can design it yourself doesn't mean you should count out the professionals because who knows you might still need their help.

There are several types of house design softwares and it's important choose the right one because the more flexible it is that you your it will be for you to design your favorite house. The most popular type of software is the CAD software which is probably the most advanced designing software you will find. Most design softwares are now in 3-D but if you don't want to spend so much money may be a 2-D design software will be enough. Another criteria you might want to consider is how well can it design.

Creating a landscape in a garden with your how to design software does not have to be complicated. In fact it should be just like a videogame where you drag your mouse to determine the size, you drag and drop plants, flowers, trees, pool and anything you could put in a garden with a simple click of your mouse. the great thing about house design software is you don't have to worry about precision, it's all taken care by the computer. With that in mind, you can easily design your house plan and make it a reality.

Since most software have the 2-D view feature it is easy for you to design every floor and the dimensions of the rooms you if you know them already. You can choose the type of floor, the colors of your walls and even windows location. With the 3-D feature is possibly for you to have a walk-through of your house plan which is basically a virtual replica of your house to be and of course you will not have a better preview of your house at a such low price.

A house design software is definitely providing many benefits you wouldn't get without hiring a professional such as an architect. But just because you can use a software it doesn't mean you should put aside the professional because although they do not design the house for you anymore they can help you adjust your plans, give you a helpful suggestions about what's possible and what's not and in case you are too lazy to design your own house, they can do it for you. House designers are here to stay no matter how many softwares come out every year because in the end the person programming the software must have had an interest in how designing.

Designing a house is nothing new and it has been going on ever since the first house which is why your house design software should only be considered as complementary or supplemental resources to help you design the house of your dreams. Thanks to this invention communicating ideas between you and the constructors has become not only become easier but it is convenient and it saves you a lot of time.

Louis Zhang owns and operates http://www.housedesignsoftwareinc.com House Design SoftwareAlessandra Blog26164
Arlen Blog59317

A Response to the Religious Right

As someone who believes in the existence of the sacred document of our democracy - The Declaration of Independence, I also believe in the rights of individuals who call America home. A favorite quote of mine was given by President Thomas Jefferson during his term as President, "The best principles of our republic secure to all its citizens a perfect equality of rights;" I believe that in a society that has for more than 200 years existed on the basis of freedom of religion, press, assembly, and speech, it is the right of all Americans to live out their lives in happiness. We as an American populace should come to exemplify the words which are so eloquently presented in the Gospel of Luke, "Judge not, and ye shall not be judged; condemn not, and ye shall not be condemned."

We live in a world filled with suffering, we live in a world filled with anger and intolerance. As a people we need to come to understand that intolerance and division do not lead us to the calling of whomever our higher being may be, whether it be God, Allah, or one of the many Eastern traditions, it is imperative that we understand the necessity for compassion; the need for love; and above all the imperative nature of equality. I have much respect for America's religious leaders; however, what concerns me most is the fact that it so clear that Jesus or any form of a messiah would not want intolerance to be so manifest in our modern society. I pray that we as a state, that we as a country will come to live in harmony with one another.

In 2005, I established a Gay-Straight Alliance at Marlboro Central High School; I established this important support group and organization in the school district to ensure that no student would ever suffer the onslaught which I endured for nearly all of my secondary school years. Perhaps if the Lord were to step foot amongst us once again in some form, he would ask us why we are putting so much negative energy into a world already filled with a loss of hope. We are fortunate to live in a society which has for 200 years represented the ideal of liberty. If not for our court systems, African Americans might not have the right to vote; if not for our court systems, women might not be able to vote; Sir if not for our court systems, many Americans would not only be viewed as second class citizens, but more importantly our society would not emulate what distinguishes us from other countries around the world -- America is the home of the free. I will continue to offer prayers for equality; to pray and ask the Lord to teach every man and woman's heart to show them what compassion is, to allow them to feel love for all humankind.

The religious leaders of our country are not simply in conversation about marriage rights, but rather they are doing exactly what the Bible tells them not to do -- "Condemn not, and ye shall not be condemned." On the NY Christian Coalition web site (http://www.NYChristianCoalition.org, Rev. Bill Banuchi, Executive Director), under the link titled "Same Sex Marriage" it states, "Probably everyone knows at least one gifted, talented human being who has lost his life due to AIDS brought on by a homosexual lifestyle. Why aren't we suing the Gay and Lesbian Task Force" -- this statement on the NY Christian Coalition web site is so troubling, because it implies deep-seated misunderstandings regarding the AIDS epidemic, but also once again the author, Rev. Banuchi, is "judging" people, especially through his direct correlation between homosexuality and AIDS. For the past couple years of my life, I have worked tirelessly to educate my peers about the important nature of equal rights for all. In another paragraph in the same section of Rev. Banuchi's web site he writes "The average gay man has over 100 partners during his lifetime," this is an entirely inaccurate statistic, that is not only obviously from a biased source, but also does not correctly reflect reality.

What concerns me most about Rev. Banuchi's web site, is his statement "There is no such thing as an ex-Puerto Rican, or an ex-African American, because we can't change that, but there are thousands upon thousands of ex-gays who have changed their behavior and lifestyle proving, that they weren't born that way, and that change is possible -- with God's help" -- has it ever occurred that perhaps gay Americans "pretend" to change their sexual orientation only to conform to what our society and leaders such as Rev. Banuchi are demanding and preaching? I myself even went through a period in my life very recently, during which I attempted to change/modify my sexual orientation, but I will be the first to tell you -- that ever since I was little I had known who I was as an individual. Sadly, like others when I came out in 2005, I was faced with an onslaught of letters to the editor attacking me as an individual (Of which one was authored by Rev. Banuchi, but I like to think that something higher gave me the will to love and forgive). In response, I went into a period of depression, I became saddened... I felt as if society had deserted me -- so what did I do? I pretended that I was a heterosexual; however, the reality is that the Lord would not want us to pretend, because he created us in His image and He made each of us unique; therefore, I can tell you that homosexuality is not a learned-behavior, but rather it is an innate gene.

Lastly, I ask and pray that each and every person will find a space in their heart to understand the necessity for equal rights. Rev. Banuchi asked me in an email if I had ever been "born again" -- I have been "born again," except my revival is a recognition of the imperative nature for me to continue to be a voice for equal rights -- to continue to offer compassion to all without judging or condemning. "For I was hungry and you gave me food to eat. I was thirsty and you gave me to drink. I was an outcast and you took me in," it is important that we as a people come to appreciate and understand the diversity which the Lord has created. We must offer compassion to each other and live amongst one another with tolerance and respect. We never really do know what form the Lord will take amongst us, because in reality he is in each and everyone of us. As I continue to serve as an advocate for equal rights, I will pray for for all that we will one day share the joy in accepting all of the Lord's creation and the beauty of its diversity.

In closing, Deuteronomy 10:18-19 states, "God loves the stranger, providing food and clothing for each one. You too must love the stranger, for you were strangers in the land of Egypt," so let us come to live out the calling of God... let us come to see the light which he has so clearly kept lit for thousands of years -- let us reach out -- let's speak for equality -- let's speak for compassion -- let's love one another, because at one time we were all strangers in the land of Egypt. Agape.

Joseph Amodeo, 19 years old is a student at The College of Saint Rose in Albany, NY. Throughout his life, he has focused on ensuring equal rights for all without exception. In 2005, Amodeo established a Gay-Straight Alliance at his high school in southern New York State and went on in that same year to run for elected office in the 9th District of Ulster County, NY. "Instinct Magazine" selected Joseph as one of the 25 Leading Men of 2005 and "The Advocate" named Joseph one of seven Future Gay Leaders of 2006. Joseph has also been profiled in "InsideOUT Magazine," and has written a multitude of articles regarding equality, which have been published in magazines including "The Advocate" and "InsideOUT" as well as online periodicals including Campus Pride. Bunni Blog3393
Anna Diana Blog76356

Agree To Be Spam-Free

Spending on commercial email ballooned to $7.3 billion in 2005 from $164 million in 1999. - Jupiter Communications

The use of email is an important tool in maintaining positive client relationships. Some emails are sent individually and personally, however some are sent in bulk and thats when difficulties show up for business interests.

Many simply mass email systems are immediately sent to many spam folders. The truth is very few people take the time to review the emails in their spam folder and these emails are often deleted without a second look.

Due to the over-abuse of spam emails by less than trustworthy interests spam blocking applications are making it more difficult for legitimate online business interests to use bulk emailing effectively.

What can you do?

Whitelists: This function is simply the most effective way to assist you in reaching your customer base in a timely fashion. The premise behind this approach is to visit directly with the ISPs you deliver through and explain that you are involved in bulk mailing to individuals that have either opted in to your email list or are present customers.

Most ISPs will have a few conditions that you must follow, but once a positive relationship is developed with the various ISPs you are dealing with it will be much easier to pass along bulk emails.

74% of customers believe that their ISPs should be responsible for fixing spam problems. - Gartner Group

Slow Things Down: You probably dont want to wait to get your message out, however you can, and perhaps should, slow your delivery down. There is a method that is useful to legitimate business called tarpitting. Pcmag.com describes this procedure as, Adding a delay between e-mail messages in order to thwart spammers. A mail server can be set up to insert delays between messages when a single e-mail has a large number of recipients. It could start delaying after the first 25 messages were sent, which would have little effect on legitimate users, but would considerably slow down the spammer. For example, if a five-second delay were added to a million messages, it would take 60 days to release them from the mail server.

By demonstrating a willingness to slow down the delivery of your email, you have made strides in proving your legitimacy.

250,000 spam-related complaints reported every day at AOL alone. - PC Magazine

If you are an online business make sure you respect your clients by mailing information they truly expect from you, make it professional and go the extra mile to ensure your willingness to comply with applicable ISPs. When you care enough about your client you will take the steps needed to ensure you are doing everything you can do gain the highest reputation for spam-free email delivery.

Scott Lindsay is a web developer and entrepreneur. He is the founder of HighPowerSites and many other web projects. HighPowerSites is the easiest do-it-yourself website builder on the web. Get your own website online in just 5 minutes with http://HighPowerSites.com at: http://www.highpowersites.com.Carlota Blog14431
Buffy Blog39067

Give Your PC A Boost

There will be times where you feel your PC could be going a lot faster than it should. Its time to take a look at some solutions to help make your PC run at peak performance.

The Windows registry is a big part in keeping your PC stable. The registry is essentially the catalog or reference source for your computer. When you open a program such as your media player or word processor or even an Internet browser, your computer queries the registry to find where the program is stored. The registry contains references to a large majority of settings and values for the operating system as well as its programs, user profiles, document types, hardware, ports and more. Whatever is inputted or outputted through your system is noted by the registry. And yet, Windows Registry problems are the common cause for a majority of crashes, reduced PC performance and error messages.

Tampering with a system registry requires a thorough knowledge of computers. It is recommended that if you do attempt to work on the registry, you should make sure you back it up in case a mistake is made, and secondly, you should make sure you know what youre doing before playing around with it. If a mistake is made, you can cause some major errors on your system.

The unfortunate news is that your registry will require maintenance every now and then just like other components in your PC such as your hard drive and RAM. Think of your PC as a guitar. The more you use it constantly, the more it can go out of tune. You have to make sure to fine tune it on a gradual basis, otherwise it may not play so well.

A good way to clean out your registry and boost your PCs performance is by finding some top rated registry cleaners. Once again, we will plug the download section on our website. The best free downloads or trial software can be found at www.outofthisworldpc.com. Be sure to check it out to make sure you are using the best type of software the Internet can offer. We have done all of the researching for you. All you have to do is find us, and use our resources.

To summarize what a registry cleaning program does, it literally fixes a large mass of PC errors and can end such headaches as computer crashes, system instability, error messages, severe lag time and more. You can definitely notice a large boost in your computer shortly after using these excellent software programs, but again, dont just rely on this software.

Using Scandisk to clean your hard drive of bad errors can help solve some issues relating to your hard drive if errors occur. Remember to give your computer a very thorough cleaning from time to time to keep your performance at its peak rate. Also keep in mind to vacuum out your computer to avoid dust contamination.

Warning! Before deciding to open your computer case, you should be aware that your body can contain static electricity that may be discharged to the circuits inside your computer. A static discharge can damage or ruin your computer. Therefore prior to doing any work inside your computer, you should get a grounding strap. A grounding strap can be attached to one of your wrists and be plugged into the wall (if it is the type made for a wall outlet). If you don't have the ground strap made for the wall outlet, you may need to attach your ground strap to a cold water pipe. A ground strap grounds your body using the earth ground in the wall outlet or from a cold water pipe. A grounding strap should cost less than twenty dollars and should be available at an electrical equipment store. You should always wear a ground strap when working inside your computer case. Especially when working with the microprocessor, memory, motherboard, or other plug in boards.

Now, make sure your PC box is unplugged, take off the cover, discharge your system by de-pressing the power button twice. This is important because if your vacuum cleaner is metallic and makes contact with other metal while power is still residual, you can blow out components in your hardware. It is best to use a plastic vacuum when cleaning. Use the brush extension on your vacuum to get all the dust out of your PCs air intakes, case fan, hardware components and more.

Brad Johnson is a professional web designer, computer expert and Internet Marketer who owns http://www.pc-tutorials.com: A resource website that specializes in a vast amount of articles, tutorials and more pertaining to Internet Marketing and Information Technology.Brinn Blog30379
Arleyne Blog81090

Furnish Your Home on a Budget

Lets face it you need furniture. Sure, you can cut corners by going Japanese and using your coffee table as the dining table, or by transforming your living room into a Middle Eastern pillow lounge. But in the end, youll need at least a few basic pieces of furniture, even for the most spartan of living conditions. Dont worry saving money on your furniture is easy and doesn't mean sacrificing the quality of the product. Just follow some of these easy guidelines.

Look for furniture on sale

This might seem a little obvious, but if you really put the effort into sniffing out the best sales, you could save a bundle on furniture. More often than not, the best deals on furniture come every January and July. And if youre looking for outdoor furniture, August is best.

Also check back at the end of every month. The majority of the furniture companies function on monthly basis computing their sales, releasing their promotions and introducing new furniture. There may be certain items that won't be offered the following month, so these lines of products may be offered at a very low price. And since most of the furniture companies pay sales people on commission, theyll be a little more desperate to make the sale when the month is running out.

Apply for the credit card being offered by the furniture shop

This is a tricky one. You can get a great deal on your furniture purchase with the retailers in-store credit cards. Depending on the store and the sale, you may be able to reduce or eliminate your interest payments and sales tax, or you may be offered a special discount available only to cardholders. All you have to do is apply for this credit card and you can get discounts on anything you want.

But be careful when using this strategy. The temptation is to spend beyond your means just because you have the available credit. Read the fine print of the terms and conditions carefully. If youre confident you can pay off your bill in the allotted time, then youll be fine. If not, be careful interest rates after your introductory period may jump as high as $25%!

Search online

If youve seen a certain piece of furniture you like in a store near you or in your favorite magazine, check the internet for a better price. Get as much information about the manufacturer and the piece name and Google it you may be able to find some deep discounts. But dont forget to check the shipping rates and taxes that may be applied to your purchase or you might not be saving as much as you think.

Buy used furniture

Buying second-hand is great because it saves you money and reuses materials that might otherwise wind up in the landfill. Check your telephone book for local thrift shops, reuse centers or charity shops. Be creative! If you find a nice sturdy couch you love, but the fabrics worn thin, you can have it reupholstered or covered in new slipcovers.

If you live near a college town (especially a wealthy college town), youre in luck. Watch the thrift stores extra closely each spring around move-out time youll be amazed at the things students will leave behind. Better yet, if you know someone who will be moving soon, offer to take that old piece of furniture off their hands. They may be so excited not to have to deal with moving it themselves that youll get a great price, or even a free piece of furniture. Before you know it, youll be on your way to your very own, fully furnished home.

Sarah Russell, aka "The Sexy Secretary," is a connoisseur of living the good life on a budget. Check out her website at http://www.thesexysecretary.com for more fabulous ideas on how to trim down your expenses without reducing your quality of life.Ariel Blog69415
Alis Blog75365

Cooking - Helpful Hints

Here are some hints that you might find useful.

Do not discard over-ripe bananas. Slice and sprinkle it with lemon juice. Freeze it to use later for milk shakes, puddings or banana bread. It will blacken if you refrigerate it.

If you only need a few drops of lemon juice, puncture a lemon with a toothpick and squeeze out the amount needed. Replace the toothpick. If the lemon is cut, it wont last as long.

Fresh ginger will stay fresh for months in a freezer if you wrap it tightly in foil.

To separate the leaves of a round lettuce, hit the core end sharply against the kitchen counter top. The core can be pulled out and the leaves will separate without tearing into strips.

Here is a tasty fish recipe which you can try:

4 cod fillets, skinned
Salt and pepper to taste
150ml dry white wine
lemon, sliced
6 tablespoons mayonnaise
4 tablespoons lemon juice
50g capers, chopped

Place the fish in a frying pan and sprinkle with salt and pepper. Add the wine and lemon slices, cover and simmer for 20 minutes.

Remove the fish from the pan, reserving 2 tablespoons of the cooking liquor, and leave to cool.

Mix together the mayonnaise, lemon juice and reserved liquor.

Stir in the capers.

Place the fish in a serving dish and top with the caper sauce. Serve cold.

Serves 4

Chris Zaaiman is an ardent amateur cook at home. For more cooking recipes and tips you can visit http://www.marketshelf.com/cooking.Cari Blog24986
Briana Blog55749

Bad Debt Unsecured LoansStill Financial Feasibility On

Possibly not always it is essential that one may avail a loan with collateral. Yes, there are many lending options available online for the borrowers financial malaise. But, what to do when there is an inadvertent bad credit stigma? No matter. The bad debt unsecured loans have adjusted such borrowers with its versatile mode.

Embracing almost all the individuals into its financial lap, the bad debt unsecured loans help providing the monetary assistance despite being adverse credit history. Individual having unfavourable credit rating i.e., CCJs, IVAs, bankrupts, arrears, defaulters etc. are main speciality of the bad debt unsecured loans.

As the loans are unsecured in nature, any collateral pledging ceremony is not an issue while availing the bad debt unsecured loans. It is good for the borrowers actually. Lacking pledging saves individuals time and energy, property evaluation sometimes takes time and makes the processing quite delaying. To avail the bad debt unsecured loans online cost quite feasible to the borrowers.

The utility inhibited into the bad credit unsecured loans are uncountable. Through the loans individuals can avail all the necessary requirements one wishes to be. Whether it may concerning to renovations at home or improvement, wedding ceremony or childrens higher educational expenditures, the loans cushion almost to all the day to day lifes needs. Moreover, the bad debt unsecured loans have designed out to pay off all the previous loans, if one has-with the help of debt consolidation mode.

Importantly, the bad debt unsecured loans offer a sum of 10, 000, striking with incidents of money inadequacy; the lending authority has increased the amount up to 25, 000. Whereas, the repayment period of the bad debt unsecured loans has configured to maintain the balance between the borrowers requirement and the lenders interests of the loans.

Now, no more beat of the financial adversity of the credit ratings. Only the need be attentive and take a watch online of the fluctuation of the financial market. The bad debt unsecured loans deal is ready to fight for your monetary malaise.

Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. She is currently working with Bad Debt Unsecured Loans as a financial advisor. To find Bad Debt Unsecured Loans, bad debt unsecured personal loan, bad debt business loan, bad debt fast unsecured loan visit http://www.baddebtunsecuredloan.co.uk/Beatrisa Blog50509
Alana Blog50562

Earning A Health Care Degree Online Is Possible

Many people enjoy working in the health care field, the career being an attractive one for many reasons. After all, you're helping others, the job opportunities abound and the field of medicine is an exciting one that's developing constantly. A career in health care is an exciting one, with hands-on experience and being personally satisfying. However, individuals wanting to break into the medical world need strong credentials and up-to-date training to have good employment opportunities with hospitals, private practices and ambulatory care centers. Finding that training can be difficult, but there are options available, thanks to technology and a widening recognition of virtual instruction. Obtaining a health care degree online is a smart choice for landing satisfying employment.

Online education is transforming the way individuals receive instruction for top careers. The fields of opportunities are expanding and being able to earn your health care degree online is a perfect example of just how far education has come. Accredited universities and colleges provide high-quality instruction, leading to Bachelors and Masters Degrees that are recognized by employers. The training has a leading reputation amongst hospitals and health care facilities of all kinds, making individuals valuable assets to the medical field.

Obtaining your health care degree online can help with upward mobility on the ladder of success and increase job opportunities in the medical field. Expanding your education can improve communication skills and promote individual value to the mid-level management section, allowing students to respond to ever-widening community diversity. Interpreting and analyzing data as well as identifying human values, moral choices and fundamental beliefs are just part of what a health care degree online can provide to individuals. Courses within this field of online education touch on varied subjects, such as anatomy, legal issues, the aging process and research methods.

There are other reasons why pursuing a health care degree online is advantageous. Education in the virtual world allows students to easily balance studies with employment, meaning that individuals can continue to work and earn income while earning credits towards a degree in their own time. Home life, education and employment blend very easily, allowing students to combine all three areas of their lives without needing to take time off work to study or put off raising children to obtain an education. Also, pursuing an online degree allows individuals to save money on costs of transportation and commuting to educational facilities or having to pay for lodgings on or near a campus.

Employment opportunities in the health care field are continually broadening as the world's population ages. Research and technology allow people to live longer, providing ample careers to those who pursue a profession in the medical field. As our population of senior citizens continues to expand, the needs for skilled professionals able to tend to individuals increases and finding employment is usually easy, for those who have the qualifications and credentials of accredited educational facilities. Top schools and universities have responded to the demands and offer excellent, recognized training to students in a manner that matches the technological revolution of today's computer-based world.

Government offices continually demand high-quality workers and their predictions claim that having solid training is a must for those entering the health care world. Consumers and clients of hospitals, private practices, ambulatory care centers and home health agencies are also asking for better-quality care from those who tend to their needs. The advantages to earning a health care degree from a reputable educational facility are many and the long-term results will provide individuals with solid, satisfying and exciting careers.

Andy West is a freelance writer for Virginia College. Virginia College Online offers many Health Care Degree Online programs. Please visit Virginia College Online at http://www.vconline.edu/site/program.cfm?Program_ID=6 to select the online program that is right for you.Brianne Blog47397
Candi Blog10195

Footwear For The Golfing At Heart

Are you the next Woods? Although you may not be at par with the legend, but still at least your style can be! The latest men's golf shoe collection will definitely make you look as stylish as or maybe better than Tiger.

Well, every body who is into golf knows how important it is to wear the right kind of golf shoes. Definitely, shoes are integral part of the golf game. You actually need to walk along that 7,000 plus yards of adjoining area and you should have the right foot traction and grip throughout your game which is very important for the good contact with the ball. So if you are not a bit comfortable in your shoes how can you count on playing your game well and comfortably? The right golf shoe can make a great difference in your game!

Nike Golf shoes, Oakley casual Golf shoes and Adidas Golf Shoes are some of the latest stuff that has arrived this season on the stores. The shelves can be browsed for a variety of golf shoes ranging from $100 to $500 and more! There are plenty of other golf style shoes also available in the stores and online as well. Search through the various brands like Nike, Reebok, Etonic, Foot Joy and many more for your best golf shoes. Select your own personal preference for price, quality, comfort and a fashionable look at the same time.

The new golf shoe range has arrived in all the favorite colors like black, gunmetal, blue, brown gold walnut, dark chocolate, saddle style and more. Make sure that you check in the stores and grab your piece before any one else. Make a style statement this season with high-style heels, or tone simplicity. Give your feet the best luxury available.

Some models have been treated with Air sole units and mid sole that will help your feet to breathe. Experience the comfort in the best possible way with full-grain leather which gives you the benefit of the soft, supple feel you will definitely love. In disparity to the old-fashioned spikes golf shoe, these grippers help avoid damage to the turf.

The new line of Adidas, Nike and other brands for golf apparel is another way to spot the hot trend of modern and casual golf wear. The fashion and feel of the entire new line is young and hip.

Dana Bradley writes about http://www.onlineshoesdepot.com/Coupons/Payless%20Shoes.html, http://www.onlineshoesdepot.com and http://www.golfgearonsale.comBerna Blog42751
Celina Blog98354

Security is the Number One Issue Online

It should be a legal requirement for your ISP to protect every surfer, provide spam filtering that actually works and a defence against phishing that is more than a warning letter reminding you that emails asking for passwords should be deleted, but its not.

If you surf it is your responsibility to protect your online security. Especially if your connection is a wireless one.

You have no more important tasks before attaching yourself to the "World Wide Web" than the installation of a safe browser, firewall, block list and an anti-virus solution. You should also have a hosts file, and you should have made at least basic changes to the default configuration of your browser. The pitiful offerings that came with your Operating system are Dodos and should be considered as dead as them. Patches are continuously being introduced to the main interfaces and they always come too late.

You should be provided with the basic tools and information to have a good grasp of what is needed to survive in the tangle of bad websites, unscrupulous coders and thieving parasites that inhabit certain parts of the Net. The fact that you don't is, in this authors opinion, scandalous. Secondly, the large number of sites offering "free malware, adware, trojan and virus detection" reflects the shortcomings mentioned above. Of course only the download and scan are free. When, and I mean when not if, these "free downloads" find something bad you will be invited to pay for their removal. Doubly scandalous as the very best solutions are available completely without cost.

So, which defences do you need and which do you need to replace? The firewall that is part of your OS, if you should be so "lucky", is lame and leaks like a badly designed nappy and should be discarded with the same haste. A similar fate should befall your browser. And one of the greatest ironies of our time is that the average user has to go online to get a decent anti-virus solution, privacy protection and, most importantly, a fully functioning firewall.

You should know that the criminals who create botnets have, to hand, the total list of addresses assigned to all the ISPs in the world and they own such powerful computers and connections that your machine will be compromised inside 3 minutes of your being online. It takes longer than that for even a seasoned, read scarred, net veteran to assemble, let alone download, the necessary tools to prevent disaster. For disaster it most certainly is if you are caught with your pants down and some idiot has your number and has infiltrated your computer before you have your shields up.

They can prevent you from even visiting an anti-virus providers website. They ensure that their trojan code is hidden from your investigations and then utilize your CPU power and connection speed for their own ends. They riddle your hard-drive with spurious nonsense and defeat an intelligent attempt at their removal. In the wink of an eye your once clean machine is less powerful, your internet connection is slower and your software, including your personal files, in more danger than when you plugged it into your phone line.

Please have a CD, with some tools on it, to install immediately after you put the Operating System on your computer and before you even think about instant messaging your friends to tell them that you are back after the bad guys trashed your previous setup. The best free tools, and this time I mean totally and completely without cost, are available at my main website http://freesecuritysecrets.com Download the latest versions, at a friend's house if need be, and learn how they update themselves to remain one step ahead of the very bad people who would hurt you if they could.

Terry Ward has been protecting his clients hardware since threats began and writes exclusively for http://freesecuritysecrets.comBobine Blog17327
Ambur Blog79710

Can Adware Be Badware ?

Adware can so badly infect your system that that you have to end up reformatting the infected computer by literally wiping everything out and doing a fresh install. Use antispyware software or adware removal tool to remove the threatening adware.

Adware is major commercial business with lots of money in it. Sometimes you become so badly infected with malware adware that you have to end up reformatting the infected computer by literally wiping everything out and doing a fresh install.

Advertising is nothing new, and used responsibly and in the appropriate context, is useful and beneficial to the user. But in Internet advertising Adware is something we all have to be very careful about because of its dangerous activities once installed in our system, especially if we didn't consent to it. Any unauthorized program carries the risk of making our computers unstable. And if infected with adware, the system performs really slowly and crashes constantly.

Sometimes the system does not even boot up. On top of all this, when you try to clean up your badly adware infected system, you encounter serious problems. If there are too many adware items to remove your antispyware software or adware removal tool, your computer may not be able to handle the load. Moreover, after you remove the adware, it may have taken away the computer's ability to connect to the Internet.

Privacy And Security Risk

Adware acts like spyware, while threatening your privacy and security. It reports details about your browsing habits, every time you connect to the Internet, tracking what you type, what you search for and which advertisements interest you. When you surf the Web, a malware installation may very well alter your Internet Explorer security settings in such a way that it might show you treacherous sites as Trusted sites. You have the Trusted sites section so that you can be sure that these websites won't destroy your data or system. The problem about adware is that it adds deceitful sites to the trusted zone without our approval and knowledge.

If you use Windows XP and have Service Pack 2, you are supposed to be safe, but adware can be clever enough to exclude itself from list of popups to be blocked. It can even unblock itself from the Windows Firewall! Some adware use Trojan horses to conceal them so that antispyware software can't find them.

The concern with adware is even more severe when teenage kids are involved. They go to various sites to download lyrics and end up with a computer that becomes so infected with adware that it becomes a real challenge for an adware removal tool to tackle. Not only that, the adware keeps generating popups that are most unsuitable for the viewing of kids.

It is therefore, highly recommended that every computer must be installed with antispyware to ensure safety.

Arvind Singh is admin and technical expert associated with development of computer security and performance enhancing software like Registry Cleaner, Window Cleaner, Anti Spam Filter etc. More information can be found at http://www.pcmantra.comBerri Blog8145
Cammi Blog15960

New Travel Technology

One of the new ways to market your travel business is by the use of email. Fast delivery is the key to a successful campaign. The first thing you need to do is to get permission to send these emails by having an opt-in describing the future content of your mails and the other is to have an opt-out in the actual emails that you send to prospective clients. You should follow guidelines set out by mailbox providers to ensure that your emails get past their spam blockers.

Have you ever heard the term SEO (search engine optimization)? If you havent, you should sit up and take notice, especially if you have your own web site. SEO is a broad term which encompasses various methods of optimization including conducting sometimes exhaustive keyword research and the improving hyperlinks that link back to your own web site. For a travel web site, the best back links would be from other travel related web sites.

If you have your own travel web site you should spend some time spreading your links across the internet by submitting your URL (universal resource locator) to as many travel and holiday web directories as possible. You can also link to other related travel sites and reciprocate this by linking back to them, though it is always better to have a one way link that points to your site.

One of the most important features a travel company needs on their web site is the capability for users to search for holidays, flights; cruises etc and be able to book them online. Any travel web site worth its salt now has these features and their number of sales reflects this. More that 80% of travelers who plan their holidays make their bookings online. See http://www.barrheadtravel.co.uk for an example. These back-end programs though are not for the novice web programmer to construct and unless you are used to producing server code I suggest you outsource for this complexity of programming.

Blogs are the latest thing to hit the internet. These can be a very potent marketing tool that can reach out to new customers. People love to be told travel stories and blogs allow you and others to post new content and update it quickly.

Podcasts are yet another way to reach your customers. Podcasts can contain video and audio so you could shorten or use sections of your promotional holiday video and make it available for download by the millions of people who own an iPod.

In brief, if you are in the travel industry, if you dont embrace all the technology that is at your disposal, you may be left behind.

David Kirkwood - I am reasonably new to the travel industry though find the subject very interesting. I am sure that I can bring something new to the table from the other industries I have worked in. See an example of the type of site I am working on now at: http://www.barheadtravel.co.uk.Cairistiona Blog7808
Andi Blog67978

How to Choose the Right E-Mail Marketing Solution

Over the last couple of years, e-mail marketing has emerged as one of the most powerful internet-enabled tools for all businesses. A research report says that the response rate of e-mail marketing campaigns is 7 to 12 times the rate of snail-mail direct marketing efforts. This has resulted in companies using e-mail campaigns to sell their products and strengthen customer relationships. However, choosing the appropriate e-mail marketing solution from a range can be tricky.

Consider the following key questions before you decide on an e-mail marketing solution:

Will the software handle your additional workload?

If you purchase an e-mail list management solution for maintaining a single mailing list with 1,000 subscribers to start with, the product may not have the capability to function when you run five lists with 10,000 subscribers each. Therefore, when you purchase the software, keep in mind as to where your e-mail marketing operation will be in the next few years. Also determine whether the product will have the ability to handle the additional workload. Remember that some software products can be bought in increments and increased in capacity over time.

Can you integrate the solution with other applications?

Be sure to check that the e-mail marketing solution you are going to buy will be in conjunction with your database or other key applications. If you have previously invested heavily in a customer database application and you find that the e-mail marketing software does not integrate with it, both your time and money will go for a toss.

Does the vendor offer evaluation kits?

Some vendors will allow you to evaluate a product before you buy it. Take advantage of any trial opportunity and thoroughly evaluate the e-mail marketing solution before investing in it. Make sure that it performs as advertised.

How quickly can you install the software?

Installing technical products is not a difficult process. Let your organization's IT staff go through the product installation guide to determine how much time and resources are required to install the software. Alternatively, find out if the vendor will help you through the process.

Will the vendor provide any further services?

Find out if there is any need for attending training courses for getting the most out of your software. Also inquire about the vendor's support policies that might cover any technical difficulties you encounter.

Will you get a good return on investment?

At the end of the day, the investment in an e-mail marketing solution must cost-effective to your company. There are several vendors offering products varying in features and price. Do a cost benefit analysis to choose an optimal product. There is no point in over-engineering your e-mail marketing solution and unnecessarily pushing up costs.

Hi, I am Akhil Shahani, a serial entrepreneur who wants to help you succeed. Over the years I have run many successful businesses & made many mistakes on the way. I have created http://Aykya.com to help you benefit from all I've learned on my journey. Please visit us & download our special 'Freebie of the Month' as a thank you for your visit.Celia Blog67398
Ardene Blog57268

Beginning the College Scholarship Search

Are you anxious about going away to college? Or worse yet, worried about how your are going to finance your college education? If you have worries such as these, you are not alone. But, the best thing to do is to take action.

A college education is very expensive. Colleges and Universities offers higher payments on every course that one may wish to take. The average cost of a college education nowadays is around $20,000.00 a year. That amount is too high for most high school grads especially if their parents can't help.

Many parents opt to save with a bank college fund to be used for their children when they enter college. Some invest in educational plans to surpass the heavy burden they might incur later on. Good for those who have prepared for the a college education of their children but how about those who have not? Can their child still go to college even if they lack finances? By all means yes.

That is why scholarships and grants are available. There are many college scholarships that are being offered in different universities and colleges. They vary according to the beneficiarys capabilities. College scholarships may be in the form of academic scholarship, athletic scholarships and many others. There are also college scholarships that are funded by the government. In some cases, prominent and rich people fund scholarship grants offered to various college students.

Knowing those facts, one can definitely say that obtaining a scholarship or grant can't be too difficult. However the truth is finding college scholarship or grants is very time consuming and requires great effort.

Here are some tips on how to find college scholarships that best suit your child:

1) Ask the academic guidance counsellor. The school where you enroll your child in High School is sure to have a list of scholarships and grants. You may ask for it and compare the grants that are offered according to the capability and the needs of your child. This is the surest way to find a college scholarship or grant for your child.

2) Universities and Colleges offer special scholarship for academic excellence and athletics. This is one way to search for your childs college scholarship. The Universities and Colleges that offer this may require your childs effort academically (if awarded academic scholarship) and effort in athletics while maintaining a ceiling grade (if awarded athletics scholarship). There are also financial aids given to a child if he intends to join a club or organization in the University or College that he intends to join. One example of the clubs is a theatre arts club.

3) The internet is the widest and the biggest tool you may use in order to find a scholarship for your child. There are lists of scholarships that you may find on the internet. This scholarship may be funded by people or private organization who aims to support deserving students in their college education.

4) The most scholarships or grants that can be trusted are those offered by the government. There are government agencies that offer college scholarships and grants but limit the course a student may take. One advantage of having a government scholarship is the job that waits after your child finishes college. That is because, most of the time, the government is the one that looks for the students job after his schooling. Sometimes that is included in the scholarship grant contract.

These are the four major places where you may find a scholarship that best suits your childs ability and needs. Scholarships are a great help not just on the part of the parent but also on the child.

Luke GarfieldBell Blog79140
Calli Blog62864

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