Save thousands at auto auctions without marrying a car dealer

The Common Misconception: Auto auctions are only open to car dealers. The Surprising Truth: Anyone with the right resources can participate in the same auctions as the dealers! Think about it. How much could you save if you bypassed the dealers and purchased directly from their sources? 30%, 50%, maybe even 75%. As unbelievable as this sounds, it is possible with a little patience and research. As you probably already know from past experience, car dealers will do ANYTHING to get you into the car of your dreams. Whether you can afford it or not! I can recall a former coworker who got into a new luxury vehicle with a little "creative financing." The manager divided his mortgage payment in two. His justification: As a married man his wife was responsible for the other half of the mortgage....even though she was a stay at home mom! Luckily for them, they found a way to pay their huge car payment and avoid repossession. Unfortunately, others aren't quite as lucky. Thousands of people default on their loans everyday simply because they couldn't really afford it in the first place. This can work to your advantage. The banks and financial institutions that serviced the loans want to recoup their loss as quicly as possible. Add to that the exhorbitant cost of storing these vehicles, and you can easily see why the banks want to dispose of them in a timely manner. After all, the longer financial institutions have to store these vehicles, the less money they're going to get back. Auto auctions are the quickest way for banks to rid themselves of repossessed vehicles. Car dealers know this, and they go to great lenghts to protect this knowledge from the general public. After all, auto auctions are a huge source of revenue. Dealers can purchase vehicles at a fraction of their value, and then resell them at a huge mark-up. But what if you could avoid the dealer's mark-up and instead pay what they pay? What impact would that have on your wallet? Amazingly enough, auto auctions are not solely restricted to car dealers. Up until a few years ago, I too shared this common misconception. It was only by sheer luck that I stumbled upon a website that allowed me to search local auctions by zip code and vehicle make that I learned the surprising truth. I was paying dealers thosands of dollars in unnecessary mark-ups. I tried the website's search feature out, and to my surprise the cars listed were exactly what I wanted. Only a few years old with very low miles. Many of them were still under the manufacturer's original warranty! This made sense of course, since most of them were repossessions. The auction house was even willing to throw in a vehicle history report at no extra cost and a 3 month warranty. Sure I wouldn't get the complimentary car washes and oil changes the dealer throws in, but that surely wasn't worth thousands of dollars in premiums. After a little hesitation I joined the auto auction membership site. They helped me locate auto auctions in my area, and gain admission to them through their exclusive access rights. I learned what questions to ask, and how to handle the bidding process. It was a lot simpler then I ever imagined it could be. The day of the auction, I showed up a few hours early to inspect the vehicle I was interested in and get a feel for the place. It must have been a slow day, because when my car came up for auction only a few dealers were bidding against me. Since I wasn't buying the vehicle for resale, I succeeded in outbidding the dealers! It was a truely empowering experience. I got the vehicle of my dreams, and I only paid a little over half its book value! What did this experience teach me? Auto Auctions can save you thousands in unnecessary dealer mark-ups.

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Irs alert tax payers need to be on the look out for fraud

Tax-Definition. org ( tax-definition. org) is reporting on the second part of the tax scam alert from the Internal Revenue Service (IRS): Manipulation of Tax Codes and Laws in Tax Scams. With the IRS bringing out its annual listings for the numerous tax scams that are taking place, the debate on the misuse of tax laws has become hotter. The “Dirty Dozen” looks at different kinds of tax scams that have taken place in a year, to keep the people of United States aware of the fraud agencies and their owners who move around in the guise of tax professionals. The modus operandi of the so-called tax agencies and tax counselors is to manipulate the established rules and laws in order to get tax reduction. They catch hold of people who are most prone to falling for their false claims. Following the tax-deduction techniques given by them can land you in prison.

The IRS keeps a strict tab on the numerous agencies and takes legal action against the fraudulent ones. The different clauses and doctrines that are twisted and used for getting tax reduction are: Evasion of employment tax: There are times when the tax agencies instruct the tax filers not to withhold the employment taxes from their wages. This is a wrong interpretation of the Section 861. Following anything like this can lead to criminal convictions and injunctions. Penalties and extra taxes can be charged from the people found guilty by the IRS. Corporation sole: There are many people, who apply for incorporation by claiming to be a part of some religious organization, or other phony institution in the hope that they may be exempted from federal income tax. The corporation sole statute gives the benefit of tax exemption to the to religious leaders, thereby separating them from the ownership of church and other assets, legally. The tax agencies ask people to use this statute to escape taxes, other debts, and child support. Increasing offshore transactions: Most of the people are advised to hide their income in offshore banks and accounts by the tax agencies. Such people tend to use offshore credit cards, life insurance, leasing schemes, wire transfers, and foreign trusts to evade paying huge taxes. The IRS and other U. S. agencies are on a look out for such people who approve of and promote such illegal transactions. Cases of Identity thefts: The IRS has received information about some identity thefts where impostors have stolen valuable information from people guising themselves as officers from the IRS. The stolen data has then been used for credit card and loan application. Some people have also received fictitious correspondence from different agencies posing as the IRS. People tend to disclose very important information to them like their social security and checking account numbers, and many other things. Deductions for charitable institutions: Different charitable institutions and non-profit organizations have the benefit of tax deductions. The tax agencies advise their customers to transfer all their assets and other properties to any such institution, on paper. The person still maintains actual control or hold of that property. This helps the individual to get tax exemption and other deductions. IRS discourages such practices and takes legal action against the guilty. The best thing to do is to avoid getting duped by fraud tax agencies, and contacting the IRS directly for any sort of information, or clarification. Learn more about electronic filing (e-filing) : http:// tax-definition. org/Define-Electronic-filing. html Tax Forms for E-filers: http:// tax-definition. org/tax-forms

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Microsoft crm customization processing in out going email messages

We would like to give you several situations, when you may need custom development and programming to improve Microsoft CRM functionality. This overview is for programmer, software developer, IT specialist, database administrator. Microsoft CRM, the CRM application from Microsoft Business Solutions utilizes almost all the recent Microsoft technologies:.Net (it is actually written in C#.Net with HTML and Javascript at the web client side plus has Microsoft CRM SDK with C# and partially VB. Net samples), Microsoft SQL Server, Microsoft Exchange 2003/2000 and others. Now to give you brief review from the workflow and messages - you can send email directly from Account, Contact or Lead and it will be processed by Microsoft CRM-Exchange connector. This email will have GUID in the message header. When addressee answers the email - it will be processed by the connector - it will recognize the GUID and will find the original activity and will attach this email as closed activity to the original object: contact, account or lead. This is very nice feature, but in the real world you may have these situations: 1. CRM user will not use CRM interface and will send email from his/her Outlook. Addressee will receive and respond and these emails will not be handled by Microsoft CRM-Exchange connector. They will not have GUID and connector has no idea on what to do with them. 2. Imagine, that you have Account Best Corporation, with contact person John john@bestcorporation. com. Now new person in Best Corporation, Susan sends you message from susan@bestcorporation. com - and her email will not be connected to your Best Corporation account, because this email doesn't have GUID and it also doesn't have matching email in the contact person. So - it is probably nice to catch emails by domain name as well, say - all the emails, coming from bestcorporation. com should be attached to Best Corporation account. 3. Now - your sales rep initiated the first email to the client from Microsoft CRM and got response, transferred back into CRM account. Then he occasionally replied on the reply from outlook - this reply, having GUID will be replied back and not transferred into MS CRM, because MS Exchange connector "thinks" that this message was already replied by the first reply. 4. To decrease the possibility that users will use outlook to send new messages and answer the messages from there - you would probably like the idea to delete them from MS Exchange database when they are transferred to the CRM. In this case they will not be seen in MS Outlook (We are not talking about Microsoft CRM Outlook client, where you actually see CRM data and objects) If you are programmer or software developer - you can actually program these advancements and we'll give you the direction. This technique is COM+ applications, registered as Microsoft Exchange sinks or handlers. You can use VisualStudio. Net, but you will not have debugging available, because these applications will work as event handlers. Microsoft Exchange allows you to alter it's logic in the events, exposed for custom handling. Incoming emails should be handled, when ONSYNCSAVE Microsoft Exchange Database event is fired before the commitment. You use Microsoft CRM SDK to create the email activity. You should use direct SQL update to flag the activity as closed (however not recommended by Microsoft - but Microsoft CRM SDK doesn't have the method to close the activity - so you really don't have an option from SDK side). Outgoing emails should be handled with so-called transport events firing, which is more complex and less documented part of Microsoft Exchange SDK. Happy customizing! if you want us to do the job - give us a call 1-866-528-0577! help@albaspectrum. com

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How can you save money on all your bew gadgets and gizmos

Saving money is the name of the game, no matter what you are buying. It does not matter what kind of new devices you are shopping for when you do it online you will save a ton of cash and that is not the best part of shopping on the internet. The internet makes your shopping not only affordable but fin and easy as well. You can shop for absolutely any kind of gizmo when you do it online and you will never have to leave the house. The internet will change the way that you shop forever.

You can compare all of the latest gadgets and gizmos in jut a few minutes, if you were to try and do that in person it would take you days and day, maybe even weeks. When you shop online you will be able to find all of the best deals and prices, deals that are just not available offline. When you shop online for these things you will be able to pick and choose as you want to. The selection is always phenomenal online. The internet is the only place to shop online for gadgets. On the internet you can find everything from blackberries to portable mp3 players to funky little toys to play with. In no time you can find just the thing to give as a gift or to buy for yourself. If you are sick and tired of giving the same old same old each year then look to the internet for the latest gadgets and gizmos. When you shop online you will always find cheap items that will last and last. You can find name brand gadgets or not, it does not matter because everything online is selling for less than you are used to paying anywhere else.

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Are student loans better than credit cards

: When applying for student loans, it’s so important for prospective college students to calculate their finances as best they can to receive the appropriate funding. From tuition and books to room and board, living expenses and food, students should make sure to secure the funds they actually will need to get them through each semester at college. By applying for the correct amount, students won’t find themselves in a bind or get themselves into a credit card nightmare. Way too many college students these days get into big trouble with credit cards. It’s unfortunate that students too inexperienced to know better receive enticing credit card offers in the mail. Usually when a credit card offer looms over a student, it’s like dangling a carrot in front of a rabbit. The student grabs the credit card offer without thinking ahead. Credit cards oftentimes appear to be a quick fix or a type of “free money,” and they then become the remedy students think they need.

Student Loans versus Credit Cards If anything, it’s the opposite. Like student loans, credit card debt must be paid back. There’s a huge difference though. Student loans usually are taken out with fixed interest rates, depending on the type of loan and a students’ credit rating, amount of loan, repayment terms, etc. However, there’s usually a catch when students receive those “amazing” credit card offers. The catch is sky-high finance charges, some as high as 22 percent! However, oftentimes students don’t think about the finance charges when they accept the credit card offers.

It’s kind of like, “I’ll think about that later.” Some students who haven’t taken out enough student loans to cover their college expenses resort to credit cards to pay for necessities, books and even rent! They’ll use their credit cards to take out cash advances, which usually have even higher finance charges than by simply charging. Never-ending Cycle of Debt There are students who accept more than one credit card offer. After hitting the limit on one credit card, it’s easy to accept another and then another, and so on. With the high interest rates and finance charges attached to these credit card offers, students easily can rake up more than they bargain for. When students pay off credit cards by only paying minimum monthly payments, they are making their financial situation worse.

Finance charges accrue month after month. It could take almost a lifetime to pay off the credit card bills.

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Chase com credit card offers

Chase. com credit card Chase. com credit card offers Online credit card applications seem to be the in thing and Chase too offers online credit card application facility. Here, ‘Chase. com credit cards’ refers to the chase credit cards that can be applied for online. Just for those who don’t know, ‘Chase’ is a brand that is owned by JPMorgan Chase & Co. (a leading global financial services firm). By ‘Chase. com credit card offers’, I mean the credit card offers that are available at chase. com. Obviously, ‘Chase. com credit cards’ would be regulated by chase. Again, as with any other credit card supplier, ‘Chase. com credit cards’ on offer would be changing too. Anyways; one night, before going to bed, I thought of just checking the chase. com credit cards section. Here is what I found: There is a separate Chase. com credit cards section. As I browsed through the Chase. com credit cards section (the online application ones), the first one I encountered was called ‘Chase Cash Plus’ or the ‘Chase Cash Plus Rewards’. These promise faster rewards and offer 5% earnings on gas and on purchases made at grocery-stores/drug-stores. For other shopping venues, it offers 1% earnings. These earnings can be in the form of gift certificates or cash. The next on the Chase. com credit cards section was the ‘Flexible rewards Visa signature card’. Here you earn a point for every purchase of $1. You can keep collecting these points and then finally redeem them for your choice of things (like cash, travel, gift certificates or some kind of merchandise). The redemption can start at 2500 points (and you get a bonus of 1000 points once you make the first purchase). Moreover, this one doesn’t have any annual fee either. So that was the second one in the Chase. com credit cards section. Moving on in the Chase. com credit cards section, I found ‘Free Cash Rewards Platinum Visa card’. This one, as the name goes, offers cash rewards. You can get a $25 check or a gift certificate on redemption of 2500 points. Since there is one point earned for every $1 spend, this mean that you effectively get 1% cash back on these cards. I had started loving browsing through the Chase. com credit cards section. So I moved on to the next one in the Chase. com credit cards section. The next one on the Chase. com credit cards section was ‘Chase Perfect Platinum MasterCard’ which doesn’t limit you to getting rebates only on a particular brand of gasoline; instead, you get rebates everywhere. ‘ Chase Platinum MasterCard’ was the next one in the Chase. com credit cards section. This one offers online account management i. e. monthly statements, bill payments etc can all be done online (also you don’t have any annual fee on this one). There were few more cards on Chase. com credit cards section and one especially caught my attention. This one was at the bottom of Chase. com credit cards section and was called ‘Check Gallery Platinum Visa Card’. Here you could choose the design of your card from those available e. g. cowboys, smileys etc. By now, I was so sleepy that I really had to shut down my computer and go off to sleep. Note: The information given in this article was correct at the time it was written. However, the author does not guarantee the correctness and completeness of this information at any time.

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Debt help is easy to get

Debt help is easy to get. Even if one doesn't have a good credit standing, it's possible to get debt help. Debt help is available in the form of secured and unsecured personal loans and loans for the businesses. There are loans, which are also available against your paycheck, and these are called payday loans. However payday loans can carry an interest charge, which is as high as 25%. On a compounding basis it's essential that they be repaid back in time. Otherwise you may have to back more than the loan amount. There are many non - profit organizations that provide loans for those in need at lower interest rates. You can structure a loan repayment structure whereby the debt can be easily paid of. Therefore they will find out how much debt you have at the moment.

What are your streams of revenues and the monthly living expenses that you may have. After this they will structure a plan where you can pay the monthly interest payments easily. Thus it makes sense to make use of these non-profit organizations in times of need. These organizations are present in all counties. One can easily approach them through the Internet, phones and fax. You can also get information about them at your local city or county council. In many cases banks themselves will tell you to approach them, when they think that they can't help you to get out of debt.

It's important that you check out the credentials of the company before you approach them for debt help. In fact there are companies, which may steal your identity (this is called identity theft) and can land you in further debt trap. So steer clear of these fly by night companies. Hence ask around for references and only after you have made a thorough check, approach them for debt help.

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Die kunst des бbens

Wer erfolgreich ein Instrument spielen will, muss sich von Anfang Ziele setzten und sich an die halten. Aber die Ziele mьssen realistisch sein und nicht nur langfristig, sonder auch kurzfristig sein. Man beginnt also sich sowohl kurzfristige ebenso gut wie langfristige Ziele fest zu setzen. Dann einfach Arbeit zu Erzielen dieser Ziele, anstatt alltдglich zu praktizieren. Wer es sich also zum eigentlich Ziel gesetzt hat, perfekt bzw. gut Gitarre zu spielen, sollte erstmal damit anfangen, sich seine Ziele aufzuschreiben. Doch viele Leute haben Schwierigkeiten, ihre Ziele fest zu setzen und dann diese zu Ergдnzen, auf die einzuarbeiten. Der erste Schritt zur Ьberwindung dieser Probleme ist das Schreiben seine Ziele auf einen Zettel, um es bildlich vor den Augen halten zu kцnnen.

Man muss sich ьberzeugen, dass die runter geschrieben Ziele Prioritдt haben und alles gemacht werden soll, um diese Ziele zu erreichen. Um die Ziele nicht im Alltag zu vergessen und sich immer an diese Ziele zu erinnern sollte Sie an einem Platz niedergeschrieben werden, den man alltдglich sehen kann. Langsam aber sicher wird man die Ziele immer wieder vor Augen finden, sich an seine Ziele erinnern und sich an sie festhalten. Langsam wird es zum Selbstverstдndlich, dass man diese Ziele erstrebt und man wird alles tun, um diese Ziele zu erreichen und zu ergдnzen Ein Ziel bleibt dabei nie das gleiche Ziel. Ein Ziel passt sich an die Situation an und muss immer ergдnzt werden. Wenn man heute ein Problem mit dem Noten lesen hat, so kann es sein, dass es mit dem Noten lesen nдchste Woche besser klappt, jedoch mit den Saiten weniger. Wie sollte man generell seine Ziele einteilen, und je nach welchen Kriterien? Tдgliche Ziele: Normaler Weise hat ein jeder Gitarren Schьler ein Mal pro Woche Unterricht. Den Inhalt des Unterrichts, das neu erlernten Stoffs muss bis zur nдchsten Woche beherrscht, also geьbt werden. Tдglich muss man nun dieses Zielanstreben und fleiЯig ьben. Wer sich an seine tдgliche Ziele hдlt wird 100 Prozent vorbereitet zum nдchsten Unterricht kommen und kann somit fortschreiten. Monatsziele: Das Monatsziel soll sein, mindestens 4 bis 5 neue Saiten zu lernen und dann zwischen ihnen leicht abzuwechseln. Man sollte auch versuchen, mindestens ein Lied jeden Monat zu lernen. Man muss sich ьberwinden und mindestens 15 bis 20 Minuten seiner Praxis-Zeit zu Finger-Ьbungen jeden Tag verteilen. Finger-Ausdehnen, Verдrgerungsbrett-Spielen, soll Saite-Praxis etc. sollte ein Teil seiner alltдglichen Routine sein. Seine Tдgliche und monatliche Ziele mьssen immer erneut und angepasst werden. Die neuen und aktuellen Ziele mьssen ebenfalls aufgeschrieben und vor den Augen gehalten werden. Nur so wird das Gitarren oder ein anderes Instrumenten Spielen zu einem Teil seines Alltags.

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Who said homeschool is for kids only it s for highschools too

They say homeschooling is only for the younger kids in the elementary or lower levels but highschool homeschooling is also a very popular educational choice. Only this time, the decisions are most probably through the convincing power of the students themselves. Most that do homeschooling are those teenagers who cannot take the pressures at school, especially those of peer pressure and bullying. Others cannot catch up with the lessons and curriculum programs of regular schools or would like to start early in life through training, internship and community volunteering jobs that would help them be knowledgeable and prepared for the struggle outside the four walls of their school. This is why choosing the suitable curriculum for teenagers or highschool is very important. There are a lot of materials or support they can get especially on the Internet. They can talk to other homeschoolers in established groups through message boards, forums and chats to build a network.

Homeschooling sites are also all over the net; they can browse through these sites, find an established support group in their area, get some catalogs and enroll in a curriculum or they can create their own study program. This is good for those students who have very supportive and open-minded parents. But in case there are none and the student is left to carry out his curriculum by himself, homeschooling helps students to stand up and depend on themselves because one thing that is developed within is good independent study skills and more as they engage in continuous studying on their own. In choosing the homeschool curricula, it is best if teenagers are present and take an active part in deciding which curricula to choose that would best apply to their learning styles and abilities. Better for teenagers is to create their own course of study. In this way, students will have good choices of activities which develop every aspect of their personality instead of just choosing a fixed program. Anyway, there are different approaches to choose from and combine that would help in the holistic development of the student. For highschool, homeschooling can help them start in life, make a step forward through practical trainings and internship programs depending on the specialization they like to pursue. Computer based jobs like developing software, designing a web, database administration, graphics and multimedia designs, repairs and troubleshooting are very popular among the choices of training and specialization. These are the jobs that most students who hate school like the most. So, why force them in fixed school curricula when they can actually be successful in what they want and might do best in the future.

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14 building your list with articles

Building Your List with Articles You can build your list simply by writing articles, whether you have thought of it or not. Quite simply, you write and submit your articles on your topic of expertise or business nature to popular article directories where eZine publishers and readers are looking for the information you provide. Leveraging your viral marketing efforts on article writing can be rewarding, if done right. In the real sense, you are actually proving your worth and demonstrating your expertise about your business through the articles you write. So, how can this method in effect build your mailing list? The answer: the resource box you attach to your articles. In your resource box (also known as bio box), you include a brief detail about yourself and your business site together with its URL. It is strongly suggested that your resource box URL links to your mailing list’s landing page where you can get your visitor’s name and email address, which will in turn help you build your mailing list at no cost. If your articles are found worth sharing, eZine publishers will republish your articles together with your resource box for their readers and subscribers. The wonderful result: viral marketing without effort on your part! You can start by writing and submitting your articles to trusted article submitter sites such as http:// articlemarketer. com/ and begin your article marketing journey today. [Insert Your Resource Box Here] (Words: 226)

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Natural beauty through mineral makeup

As we become more aware of our environment and more aware of the products that we are putting into and onto our bodies, natural and homeopathic products are taking the cosmetic industry by storm. It’s likely you’ve noticed new skincare and cosmetic companies popping up with ‘all natural’ and ‘organic’ products. Of course, just because they say they are, does not necessarily make it true. That is where consumer education comes in, and why it is so important. The title of this article is ‘Mineral Makeup’. After learning what mineral makeup is, what products go into it, and what its benefits are, you can decide if this is the right choice for you. What Is Mineral Makeup? Mineral makeup is designed from all naturally occurring products. It is often recommended by dermatologists to women with sensitive skin, rosacea, post operative, laser and other procedures because of its intrinsic skin soothing and anti-inflammatory properties. It is a powder makeup of finely milled minerals. It can provide very sheer or very opaque coverage, depending on the formulation and application. However, it still allows natural skin radiance to show through, so you don’t get the dreaded ‘mask’ look. It is typically free of fragrance and preservatives. Minerals cannot feed bacteria, so there is no danger of spoilage, thus it needs no preservatives. It does not go bad. It is very good for oily skin because it has several oil - absorbing components. It is usually applied with a brush, and is typically shown to be ‘buffed’ into the skin. This technique forces the makeup into your pores, which is never a good thing. A technique that works with better quality mineral makeup (which we’ll discuss later) is to ‘dust” the makeup on, instead of ‘buffing’ it. If a brush irritates your skin, you can also use a non-latex or flocked sponge. Application can be done either wet or dry. What Are The Ingredients? This is the most important part. Learning what is in your makeup will give you the ability to choose what will meet your needs best. These are the ingredients you will most likely come across. • Titanium Dioxide - A white natural sunscreen and anti-inflammatory agent. It is highly reflect, with only a diamond being higher, and thus minimizes fine lines and some skin discolorations. • Zinc Oxide - A natural sunscreen providing broad spectrum UVA/UVB protection. • Sericite - A colorless mica that can be used to cut the opacity of Titanium Dioxide and also works as an oil absorber. • Cornstarch/ Rice Powder - Cosmetic grade - An oil humectant (draws oil out of the pores). Can make acne worse as it is a source of food for bacteria. • Kaolin Clay - Natural oil-absorption. • Mica - Natural ‘glitter’. Provides shimmer and sparkle. • Iron Oxides - Natural pigment - very opaque. Used for tinting cosmetics. Ingredients To Avoid These ingredients are also common, but can cause problems so are best to avoid. • Talc/ Various Powders - Common fillers - can cause respiratory problems. • FD&C Dyes - Derived from coal tar. • Bismuth Oxychloride - Known skin irritant - causes itching, rashes and breakouts. Especially prevalent when the wearer sweats. • Ferric Ferrocyanide - Controversial because of its suspected toxicity. • Carmine - Crushed beetles. What Brand Should I Buy? Well, if you’re familiar with mineral makeup, it’s likely you’ve seen the infomercials. After further research you’ll find these companies use controversial ingredients, and charge quite a bit for their products. There are several good mineral makeup companies out there that provide a much better product at a more affordable price, as well as a superior customer experience. They also offer samples, which the larger companies do not. You will get to try the makeup (unlike in the drugstore!) for a fraction of the cost before you buy it. They do not have expensive advertising and packaging to pay for, so the savings are often passed on to you. Did you find this article useful? For more useful tips, hints, points to ponder and keep in mind, do please browse for more information at our websites.

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Tying fly fishing flies the frankenstein fly

You can buy flies for fly fishing, but you’ll want to tie your own at some point. Undoubtedly, your first fly will be the Frankenstein Fly. Of Flies… There is a particular fly for every fish, location and situation. There are basic flies like the Woolly Bugger and millions of exotic ones. You can buy thousands of them, but it will set you back a pretty penny. So, it’s time to tie your own. The first step in the fly process is getting some educated advice at the bookstore. You’ll need to browse the fishing section for the hundreds of books on the subject. You’ll see books like “Flies for Idiots”, “Be One With The Fly”, “I Fly, You Fly, We All Fly” and other mythical titles. Pick the one that seems tailored to your needs, buy your tools and supplies and head home. One of the first flies most people try to tie is the Woolly Bugger. It can be used for most situations and seems fairly simple to tie. Since this is your first time, you’ll actually be tying the Frankenstein Fly whether you realize it or not. This is true regardless of the specific fly you try to tie. With the Woolly Bugger, you’ll use a jam knot, a fluffy piece of marabou, lead wire and so on. You’ll follow the directions in detail. You’ll wind. You’ll strip fuzz. You’ll wrap like you’ve never wrapped before. In the end, you will have followed every step in agonizing detail. As you finish the last step, whip finishing your fly, you’ll step back to admire the best Woolly Bugger. At this point, you’ll look at the book and your masterpiece. Then you’ll jump on the Internet and pull up pictures of Woolly Bugger flies. Then the neighborhood will shake with a piercing scream. Yes, you’ve created something that faintly looks like a Woolly Bugger, but strikingly like Frankenstein. Congratulations, you’ve tied a Frankenstein Fly. Welcome to the league of mad tie scientists. Have Faith Tying flies is definitely an art. You will almost never get it right the first time. Don’t be discouraged. Keep at it. Who knows, maybe the fish will find your Frankenstein Fly to be a tasty treat.

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Advice on buying video games

Is the local retailer's game testing system becoming your primary console? Have you resorted to subscribing to game magazines just to play the included demos? Are you having to go on a forced Ready Rice diet because you can not afford to buy the latest games? Now you don't have to, in this article we will examine ways for consumers to save money when purchasing video games. Avoid Buying From Offline Retailers One of the most worst things you can do as a consumer is to buy games, especially if they are not new, from a local retail outlet. Most of the games within these stores are overpriced even after you factor in the discount that you will get from the advertised sale price or the savings through the store's discount card. If you have too, then its best to buy a game from the pre-owned section. Pre-owned games are generally in good condition and cost 20 % less then their counterparts, just remember to inspect the game box for any missing game manuals and the game disc for scratches. Search For Online Deals As a consumer your first choice should be eBay. Generally used games on eBay are much cheaper than the major retailer's pre-owned selection and occasionally you do find good deals. Instead of bidding on a single title you should instead try to win a lot of 10 to 50 games. Keep the games that you need from the lot and auction off the rest. Lots are generally more cheaper, on a per game bases, and in my experience these sellers do not gouge buyers on shipping costs. Also when using eBay be sure to use Paypal as the payment option. Paypal issues, several times during the year, coupons which can be used when paying for eBay items, these coupons offer an additional saving of 5 – 10% and are usually found in eBay's monthly newsletters. There are also online sites such as pricegrabber. com and dealrush. com that display weekly deals from all the major video game retailers. An advantage to using these sites is that they are updated daily meaning you can stop having to rely on the Sunday flyers to find deals. Apart from these sites you can also save money by purchasing used games from members on the various gaming forums (such as cheapassgamer. com) that you may participate in. Just be sure that the forum members that you trade with have a high iTrader rating. Have Patience Game prices fall dramatically within a span of four months. Therefore, you should consider waiting a couple of months before buying a new game. Apart from saving you money this approach also allows you to get a better idea of how good the game is and if its worth owning. Rent If Broke So why should you rent games? Because its cheap and it provides you the ability to test new games. Most of the latest games appear on the renting shelves within the first two weeks of the initial release date, and given that most major retailers charge only $4-$8 for a game rental, this is the perfect opportunity to test, review and hopefully finish the game. Renting works especially well if you just need to play the latest games without caring too much about owning a personal copy. Remember, you can always buy your favorite rented games later on in the year when they cost a fraction of the original price. Sell Your Games After You Finish Them As a broke gamer the worst thing you could is start a collection, especially with new releases. Most new games fall dramatically in price within the first few months, so its vital that you sell your new games as soon as possible. Remember, you can always rent games, either when company comes over or at times when you are bored. This method will not only provide you with additional revenue but will also insure that you are able to play the latest releases.

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Go nuts about almonds

Almond is a highly nutritious, effective health-building food both for the body and mind and a valuable food remedy for common ailments. The thin-skinned among the sweet variety is best for use. It is one of the best nut and seed foods. The best way to consume almonds is eating it without the skin. Almond milk is a very common preparation from almond. Grind blanched almonds to a smooth paste; add sugar and cold boiled water -- giving it the consistency of milk for a nutritious, healthy drink rich in vitamins. It is easily digestible than cow’s milk making it an ideal wholesome drink for children.

Almond butter is another variation prepared from almonds, beneficial for older people who don’t get enough proteins in their diets. Besides the intake of high calorie protein, other ingredients contained in almonds are easily digestible. Almond is highly beneficial: • In preserving the vitality of the brain, strengthening the muscles and prolonging life. • Face pack made from almond paste mixed with milk cream and rose bud paste is an effective beauty aid. • Prevents premature appearance of wrinkles, black heads, pimples and dry skin. • Massage your scalp with a tsp. of almond oil mixed with amla juice and massage over scalp for remedy for falling hair, thinness of hair, dandruff and avoids untimely graying of hair. • A useful food remedy for anemia as it contains copper, iron and vitamins. • A handful of almonds, approx 7-10 taken at nighttime with or without hot milk is beneficial in the treatment of constipation. • Eating almonds regularly will strengthen sexual power and restore sexual vigor. • Pulverize few leaves of wild almond with water and cream and apply to affected parts with skin diseases. External application of almond oil in case of irritation and itching will ease the pain. • A tsp. of oil with few drops of fresh white onion juice, ginger juice, taken thrice daily for a fortnight is useful in whooping cough, bronchitis and asthma.

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Tamiflu the ultimate weapon for the treatment of influenza

The onset of winter brings with it the danger of influenza or flu, the disease is gradually turning out to be a perilous epidemic and leaves the patient in vulnerable position. The phenomenal rise in people suffering from flu is also a matter of concern for experts. Defining Influenza or Flu : Commonly occurring in winters Influenza or flu is a viral infection of the nose, throat, bronchial tubes and lungs. There are two main types of mutating virus: A and B. Type A virus tends to cause more severe illness than type B. Influenza affects people of all age groups but it is most Anyone can get influenza, but it is most serious in elderly, in people with chronic underlying illnesses such as cancer, emphysema or diabetes or in those with weakened immune systems. The worst part of the disorder is its contagiousness; the disorder is highly transmittable, even a slight contact with droplets from the nose and throat of an infected person during coughing and sneezing is enough to get prone to the disorder. Avian Flu and its Human transmission : Widely known as bird Flu, Avian influenza is an infectious disease of birds caused by type A strains of the influenza virus.

The influence of Avian Flu viruses is not common in species except for birds and pigs but the incident occurring in Hongkong in 1997 was a setback. The H5N1 virus affected 18 people out of which 6 died. H5N1 is of particular concern for several reasons. H5N1 mutates rapidly and has a documented propensity to acquire genes from viruses infecting other animal species. Its ability to cause severe disease in humans has now been acknowledged on two occasions.

Studies reveal that isolates from this virus have a high pathogenicity and can cause severe disease in humans. Is Tamiflu a Savior? Approved by the FDA on October 27, 1999 Roche’s Tamiflu (Oseltamivir Phosphate) is a medicine to treat flu. Belonging to a group of medicines called Neuraminidase Inhibitors these medications attack the influenza virus and prevent it from spreading inside your body. Tamiflu is highly effectual in treating adults, adolescents, and pediatric patients 1year of age and older with the flu whose flu symptoms started within the last day or two. It is also handy in reducing the chance of getting the flu in people age 13 and older who have a higher chance of getting the flu because they spend time with someone who has the flu. Tamiflu can also reduce the chance of getting the flu if there is a flu outbreak in the community Why Tamiflu? The fact that makes Tamiflu the best medication available against influenza is that it is anti-viral. Even antibiotics can kill bacteria but they are not effective against viral infection and since flu is a viral infection it deserves treatment through an anti-viral medication, which is Tamiflu. The product (Tamiflu) is a Neuraminidase Inhibitors and treats the cause of influenza infection by inhibiting the critical neuraminidase protein on the surface of the virus. Buy Tamiflu and rid your self from the dangerous consequences of Flu. Others common medications available for flu are Amantadine and Rimantadine.

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Kidney disease early detection thwarted by silent symptoms

(NC)-"The first clues started to appear about a year before I was diagnosed, but the signs were small and insignificant," said Carrie Donohue. "I was having intense headaches and muscle cramps in my hands and feet, and I was always thirsty. Looking back now, it seems obvious that these were signs of kidney disease, only my husband and I didn't know it then." Carrie's story is not unique. When a person's kidneys fail, it seems to happen suddenly, without warning. They learn afterwards that their kidneys had been failing slowly - unknown to them - for quite some time. The signs were there, but often mistaken for something else, or simply overlooked. These silent symptoms have given rise to new approaches in the effort to stem the tide of chronic kidney disease (CKD), which doctors estimate at 1.9 million cases in Canada today. Thanks to research and sophisticated disease tracking systems, specific groups of people have been identified as most likely to develop kidney disease and the push is on for better screening of those at risk. The high-risk category includes people who are over 50 years of age, have diabetes, hypertension or cardiovascular disease, or have a family history of kidney disease. Yet despite this knowledge, it remains difficult to identify chronic kidney disease early enough to begin the type of care that would either delay or avoid the onset of end-stage renal disease when either dialysis or a transplant becomes necessary. "Many of the symptoms of CKD are difficult to diagnose," said Dr. Adeera Levin, former President of the Canadian Society of Nephrology and member of The Kidney Foundation of Canada's National Research Council. "Itching, thirst, fatigue and muscle cramping are not specific to kidney disease and don't raise a warning flag to most people, especially since they are likely living with other health conditions that tend to mask, or overshadow them." "We know that - if detected early enough - it is possible to reverse or slow the progress of chronic kidney disease," explained Levin. "For many people this could mean not having to go on dialysis or, at the very least, delay it for years." The Kidney Foundation of Canada recommends that people at risk take a more proactive approach to their health. For example, if you are a person with diabetes, strict blood sugar control is important. Controlling high blood pressure can also prevent kidney damage. However, not all people who develop chronic kidney disease fall into these high-risk groups. Carrie Donohue was otherwise healthy and in her mid-twenties when she began experiencing symptoms. That's why The Kidney Foundation also recommends that all Canadians learn about the warning signs of kidney disease, and that they talk to their doctor about the possibility of blood and urine tests to identify problems early. Today, Carrie leads a normal life. Thanks to a living kidney donation from her husband, Ken, she was able to fulfill her lifelong dream of becoming a teacher. Her story has a happy ending. However, a greater understanding and awareness of the warning signs could make stories like these a thing of the past.

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Cracked skin fill in those gaps

When you suffer from eczema or psoriasis, your skin cracks, thus presenting you with painful slits or fissures. They cause agony even while doing simple movements. Your skin cracks and it can give you a terrible pain. The hands and feet are the most vulnerable spots for this problem. But other spots like the mouth, lips, cheeks etc. too can be affected. Usually, the areas between toes and on the heels are affected. These fissures, if neglected, can cause infection.

Generally, women who wear open-backed heels and slides are affected. Treatment for the cracked skin: • Soak yourself: The best treatment for dry skin is to have a good bath every night before going to sleep. This enables your skin cells to absorb water, since these cells are like sponge. You can also soak the affected body part for about 20 minutes in warm water and then pat dry. • Apply petroleum products: Once you are through with your bath, apply a coating of petroleum jelly product. Then put on a pair of socks for your feet or a pair of light cotton gloves for your hands to seal the moisture. These petroleum products work far better than commercial moisturizers, since they do not have the same sealing effects. • Stick the cracks: You can apply glue to ease the pain caused by the fissures. This takes the air out of the nerve endings and thus sticks the slits. This procedure is completely safe for slits and minor cuts. However, avoid using this method on deep wounds. • Avoid tartar toothpaste: If you suffer from cracked lips, minimize your usage of tartar toothpaste. This toothpaste contains compounds that irritate the mucuous membranes and other sensitive tissues. These toothpastes leave the skin cracked and cause a rash which itches around the mouth. Following some of the above mentioned steps can help you in preventing/curing cracked skin.

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Causes of bad breath what are they

There are many factors that could be the causes of bad breath, and many of the factors that could be causes of bad breath can be dealt with quickly and easily using simple techniques. In fact the causes of bad breath are so well documented that it is easy to find the factors which are the cause of bad breath for you. So what are the causes of bad breath exactly? Bad breath, which is usually halitosis, is caused by VSCs (Volatile Sulphur Compounds) in the mouth, these are the most common of the causes of bad breath. But what are they, anyway? Bacteria in your throat and mouth help to break down certain proteins. When some Amino acids which have a lot of Sulphur inside, start to get broken down and then produce various foul smelling compounds from the back of the mouth and throat. There is a common misconception that bad breath can come from your stomach, and although it may feel like that sometimes, the smeel comes from the compounds produced your throat and mouth. Some foods however after they have been consumed encourage the production of certain chemicals that are then discharged via the lungs. So that extra helping of deep-fried onion rings is actually making a smell through your lungs. So how can we avoid these great causes of bad breath? Well many of the causes of bad breath are things that we take for granted and use everyday. Most toothpastes can be a cause of bad breath because the stuff that makes the foam actually promotes production of VSCs. A dry tongue can also be a cause of bad breath. The bacteria that produce those nasty SVCs actually don't like oxygen, so a dry mouth is perfect and hence becomes a cause of bad breath. The nasty stuff from the bacteria comes from the breakdown of Amino acids, which are found in protein. So high protein foods can be a cause of bad breath, even a generally high protein diet could be one of the causes of bad breath. Once you have elevated levels of the bacteria in your throat, it becomes very difficult to fight off the bad breath as those bacteria can use anything to be the next trigger for your bad breath. By successfully reducing the amount of bacteria in your throat you can make sure that it becomes that much more difficult to get the bad breath in the first place. You literally zap the cause of bad breath at its source. So one of the causes of bad breath are those things that allow the bacteria to produce more SVCs, so avoid or treat these and you will rid yourself of your cause of bad breath. Otherwise hit at the source and reduce those bacteria.

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Oregano If someone says Oregano, it is likely that you will think in terms of cuisine. You would be right as most people do think of Oregano is sauces and so forth. However, there are actual medicinal properties to Oregano as well. Oregano makes a luscious cup of savory tea that works well for gas, indigestion, bloating, coughs, urinary problems, bronchial problems, headaches, and swollen glands and to induce and regulate a woman's menstrual cycle. Others swear that is can cure fevers, diarrhea, vomiting, and same jaundice. In the capsule form the leaves are dried and then crushed and placed into the empty capsule shell. Further, even others use the dried leaves by crushing them and adding just enough water to create a paste like substance and use it for a cream to apply for arthritis, itchy skin, sore muscles, and swelling. For a relaxing and soothing bath use Oregano leaves in the bath water. Finally, some people make Oregano oil and claim it helps rid toothaches. In Jamaica people burn Oregano scented incense to ward off coughs and other respiratory distresses. Oregano has been used in ancient Greece and many other places across the globe where people have found a different use for Oregano besides cooking. Oregano is a perennial herb that is relative to the mint family and it is a very important culinary herb that is used in a lot of Greek and Italian cuisines. For cooking purposes it is the leaves that are used and while some like nothing but a fresh Oregano sprig, most will agree that the dried Oregano is much more flavorful. Especially in Italian cooking you will notice a distinct relationship between the uses of Oregano in combination with Basil. The two always seem to create the perfect marriage especially in a tomato sauce. Oregano is also used on many vegetable dishes as well as a seasoning on various meats. The Greeks would never consider cooking with Oregano in their pantry. The famous Greek salad boasts its flavor of Oregano. No one could imagine eating a piece of pizza without a taste of Oregano added to it. Oregano is commonly mistaken for Marjoram as the plants look very similar. Outside of the kitchen Marjoram and Oregano are best friends and do a lot together. The pair has quite plentiful properties in the areas of antioxidants and antibacterial. Together they are not only a great combination for flavoring food but also for preserving it too. Because both of their oils are perfumery they are placed in many different soaps and lotions. They are also used in combination for many potpourris and home dйcor. There is no denying that Oregano has been around since ancient times both in and out of the kitchen. It had many medicinal properties then and it still does now. It was used in the kitchen and it is still used there now so those from ancient times started a tradition that is still followed to this day. Oregano's uniqueness is fully utilized in many different ways and will be for years to come.

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How to make money growing rooted cuttings and selling them wholesale

Once you know how to effectively propagate landscape plants, you will soon have more rooted cuttings than you can use. At that time you can decide whether or not you should quit growing cuttings, since you have all you need, or maybe you’d like to sell some of your cuttings to a wholesale grower. Let's discuss how easy it is to start a business selling lining out stock. That’s what nurserymen call the little plants that they buy to plant out in the field or in containers. Lining out stock, or liners for short. “Nurserymen buy plants?” you might be asking. Yes they do. Nurserymen probably buy more plants than any other group of people in the country. Why would they buy them if they know how to grow them?

Because sometimes they can’t grow them fast enough to keep up with the demand. Or maybe they would like to grow a certain variety of plant, but can’t grow it themselves because they don’t have any place to get several thousand cuttings. So what they do is buy in rooted cuttings, plant them in the field or in containers, and then they either grow them on to sell, or they grow them on and just keep them around a year or two longer so they can take cuttings from them. Then once they have a supply of their own plants they can sell the ones they bought in that are now landscape size.

Does this make sense? Let’s say that Mary the nursery owner buys 1,000 Variegated Weigela rooted cuttings at 50 cents each. She plants them in the field in the early spring and they take off growing like crazy. That summer she goes out and takes 3 cuttings from each plant (they need pruning anyway, right?). She sticks those 3,000 cuttings under intermittent mist and in about 5 weeks she has 3,000 rooted cuttings that she can plant out that fall, and she does just that. The following summer she can get about 6,000 cuttings from the original 1000 plants that she bought, plus another 9,000 cuttings from the 3,000 she planted out last fall. That’s a total of 12,000 cuttings. She continues to plant her rooted cuttings out in the field and keeps taking cuttings from them until she has all she wants to grow. From then on she can take as many cuttings as she needs from the plants that she has in the field. By now the original 1,000 plants that she bought at 50 cents each are large enough to dig and sell, and they are worth $10.00 to $15.00 each wholesale. That’s $8,000 from a $500 investment, plus she can produce as many variegated weigela as she wants without buying any more cuttings. Does it really happen this way? Yes it does. I was recently talking to a friend who grows and sells all kinds of plants and he told me that he has been buying Dwarf Alberta Spruce cuttings and growing them on and selling them. He doesn’t even root any himself, he just buys 5,000 every year, pots them up and sells them wholesale. How many other nurseryman across the country do you suppose do that? To get started you can either buy a stock plant or two, or buy several hundred cuttings of the variety that you would like to sell. Instead of planting them out in the field, I would plant them in beds. Make each bed 4’ wide so you can reach the center to weed and take cuttings, and place the plants in the bed 10” apart. As long as you keep taking cuttings the plants will remain fairly small, and compact. Then after two or three years dig them up, put them in pots and sell them. By then you will have thousands more coming on that you can take cuttings from. Start out slow until you know what there is a market for.

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