4 essential ways to create instant affiliate commissions

One of the easiest ways of starting an online business and earning quick profits is through affiliate marketing. With no website to develop, no product development to achieve, no refunds or customer problems to deal with, this is by far the most effective way of developing your online presence. If you already have your affiliate products and you're working at making more sales, an increase in commissions is the obvious goal of everyone. With more and more products hitting the online market, it's essential to follow some simple yet crucial steps. So what are they? If you want your affiliate program commissions to take off, literally overnight, these are the steps you need to seriously consider; 1. Do your research and check out the programs you're thinking about promoting. It's pretty obvious that you only want to promote a product that will give you the maximum paycheck in the shortest possible time. The main factors to consider when doing this are obvious when you stop and think about them, but more often than not, are not fully considered before putting your time and money into making your product pay. Check the commission structure and make sure it pays well. Also, try to find products that match your target audience and are already paying well to other affiliates. You soon know when a program isn't meeting up to it's promises - that's the time to reconsider its worth and move on to the next. As you're probably going to be one of many affiliates promoting the same product, especially if it's a good one, establish your USP - or 'Unique Selling Position'. Set yourself up as offering that little something extra that makes you stand out above the crowd. Write a short article to give away as an incentive to potential buyers. This gives you both greater credibility and extra drawing power. Give information that's not only free, but useful. When you do this, if what you give away for free is good, people naturally expect a great deal more from the bought product. Make recommendations about the product within the report if you can, and try to give just enough information to make people need the actual product. 2. When giving away free reports or ebooks, save and collect, at the very least, the name and email addresses of all those who download your gift. It's now widely known that very few people make a purchase on their first introduction to a product. This is where an autoresponder is invaluable as you can create a whole series of follow up messages to send to these prospects to entice them into buying your product. Anywhere between 6 and 10 messages are needed to finally clinch the sale, so automate this process and capitalize on the free report. Once you have these prospects details, they are yours until the person unsubscribes. This means that you can send them information in the months ahead about other products you're promoting, long after they've bought the original item. If you develop an ezine, you are in a perfect position to send more valuable, and occasional free, information to these prospects who now value you as a source of knowledge and useful recommendations. You develop a relationship with them and they may stay with you for years to come. They begin to trust you and your recommendations and eventually, are likely to buy from you again. 3. Never underestimate the power of negotiation. Be prepared to haggle with a seller whose goods you wish to promote. Remember that all merchants need affiliates to market and sell their goods and will be more inclined to change their payment structure than potentially loose business if they see you as a good source of income. Be bold and you could find yourself receiving a greater slice of the pie for all your advertising efforts. Don't be greedy but be fair and you will be respected for it. 4. Use effective advertising techniques. 'Pay Per Click' will give you the most immediate results if you do your research right. Naturally, Google's Adwords and Overture are the places to start, being leaders in the online PPC field. But, look around and research the smaller players who offer cheaper rates to a smaller audience. These include; ExcelSeek, JumpFind, LookQuick to name just three. Ezine Top Sponsor and Solo ads can also give you a huge and quick return on your advertising buck with your ad being received by a responsive audience of your chosen market. And as with any advertising campaigns - track your results. If you don't know who's clicking what, you'll never know which ads are working. Use these techniques and you'll soon see an immediate improvement in your affiliate sales. Build on your successes and expansion and growth will follow.



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Emollients and lubricant drugstore laxatives

Stool Softener Laxatives - Emollients Stool softeners and emollients work by absorbing water into the fecal matter. This makes the fecal matter softer so it can pass easier through your colon and out the rectum. Two of the chemicals used in stool softener laxatives are docusate sodium and docusate calcium. Don’t use these types of laxatives since they have chemicals that can produce side effects. Docusate sodium has been found to increase the toxicity of drugs when taken at the same time. In addition, they affect liver function. You can find some of these laxatives at your local drugstore under the names, * Colace – contains docusate sodium * Dialose – contains docusate sodium * Surfak – contains docusate calcium Other products that contain docusate sodium and docusate calcium are: * Senokot-S, Correctol 50 plus, Fleet Stool Softener, Phillips Liquid-Gel Avoid using docusate with mineral oil since this increases the chances of absorbing some mineral oil into the body. Mineral oil in the body tissues can form tumors. Pregnant women should avoid using this type of laxative. Lubricants Stool Softeners Lubricants stimulate a bowel movement by coating your colon walls and fecal matter. These lubricants also help keep water in the fecal matter, preventing them from becoming hard and difficult to pass through your colon and rectum. One such lubricant is Mineral oil – (not recommended) Avoid laxatives that contain mineral oils. These oils can cause a pneumonia that is difficult to clear. They interfere with intestinal absorption of food nutrients, and fat-soluble vitamins, like vitamin A, and collect in the lymph nodes when used often. Mineral oil is not a food. It coats food and prevents it from being digested and prevents absorption of vitamins and nutrients. Dale Alexander, author of Arthritis Common Sense, 1981, reminds us that, “Crude mineral oil was discovered, by Indians, on top of stagnant water in the oil fields. Today, mineral oil is refined into pure from petroleum. Refineries could not sell mineral oil for automobile use, so their representatives educated people to pour it into their bodies. Just the way mineral oil does not pass qualifications for a car carburetor, it forms puddles of useless oil in your intestinal loops.” Mineral oil passes from the mouth, all the way through your colon, and out the rectum without being absorbed. However, it sometimes passes through the intestinal walls in small amounts and poses a health hazard in the body. It also leaks out of the rectum, if too much is used. Some of the lubricant drugstore laxatives are: * Alin plus phenolphthalein – * Dioctyl sodium sulfosucciante – a detergent type substance that lowers the surface tension of your colon walls and fecal matter. * Docusate potassium * Magnesium hydroxide – brings in more water into your colon. When too much is taken, it can create embarrassment for you. * Osmolak plus lactulose (lactulose is a synthetic sugar that pulls water out of the body and into your colon to soften stools.) * Sokol plus mineral oil Dioctyl sodium Sulfosucciante belongs to a family of chemicals that reduces the surface tension of the fecal matter in your colon allowing water and fat to penetrate and make the fecal matter softer. These chemicals are known as, * Dioctyl sodium succiante (also known as docusate sodium) * Dioctyl potassium succinate (also known as docusate potassium) * Dioctyl calcium succinate (also know as docusate calcium) If you are pregnant, do not use mineral oil or other oils to get relief from constipation. During pregnancy you need good absorption of minerals and nutrients to provide for your newborn. Excessive use of mineral oil during pregnancy can cause bleeding in newborns. In her book, Linda Clark’s Handbook of Natural Remedies for Common Ailments, Linda writes about mineral oil, “The message has finally got through to the public and the medical profession that mineral oil is one of the most damaging of all laxatives. It robs the body of Vitamins A, D, E, K: interferes with absorption of calcium and phosphorus, and can actually lead to other diseases.”



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Plastic surgery where will it occur

As you evaluate the best plastic surgeon option for your treatment, you might be surprised to learn the location of your surgery should be part of your determination. Plastic Surgery – Where Will It Occur The question of the location of your surgery probably never even occurred to you when you started thinking about having plastic surgery. If you are having plastic surgery, it must be done in a hospital, right? Actually, there are a wide variety of options and you need to understand them before making plastic surgeon evaluations. Much of the decision making process will depend on your comfort level with surgical procedures. There are three options when it comes to the location of your surgery. The first is the traditional hospital setting. The second is a surgical center. The third is actually in the office of the surgeon. By far, the largest percentage of plastic surgery procedures occur in the offices of the surgeon. Having your surgery done in a hospital is an excellent choice. First, it means your surgeon has hospital privileges, which means the hospital has evaluated the surgeon and found them to have a level of competency the hospital is comfortable with. Second, the hospital surgical process is highly regulated by government, which means you are going to get optimal care before, during and after the procedure. A surgical center is a facility set up to handle a variety of surgical procedures. Hospitals only have so much space and there is rarely enough time available to handle all the surgeries scheduled in your city or town. The surgical center fills this gap. Much like a hospital, it is heavily regulated and the care is very good. To collect fees, the center must be certified by various government agencies, and the government agencies are sticklers for details like safety. Having your surgery in a surgical center is not indicative of any negative factor. Many surgeons have surgical facilities built into their offices. Since they are expensive, you will usually find these facilities when there is a group of doctors providing surgical procedures. While there is nothing inherently wrong with this approach, you need to pay close attention to certifications. Has the facility been certified by an independent group for safety and emergency procedures? The question is not so much whether it is safe for the surgical procedure you are undergoing, but whether the facility is equipped to handle any unexpected problems. Surgery is an invasion of the body and carries inherent risks. It is important that certifications for things such as life support be held by the office and by the nurses. Having surgery in an office facility is very common and has its benefits. The office option is almost always cheaper than hospitalization or a surgical center. Still, we are talking about your body, so make sure to view the facility, ask for certifications and meet with the nurses. If you are not comfortable with any aspect of the facility, you are better off going with a surgeon who has hospital privileges or using a surgical center. There are a lot of factors to consider. Make sure you don’t leave out the issue of the location of the actual procedure.



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Difference is value added

Managing diversity isn’t just a moral and legal obligation, it can present tangible business benefits as well. What is diversity? We in the UK are fortunate to live in a country which is rich in the diversity of its population. Nowadays, your work colleagues might be any age, male or female, from any ethnic, religious or cultural background, married, single or living with a partner of the opposite or same sex, able-bodied or not. This has many advantages, but also presents organisations with the challenge of getting the best out of such a diverse workforce, while at the same time meeting their legal responsibilities. It is therefore important that companies give due consideration to how to achieve this if they want to maintain their place in the market. The moral and legal case for diversity In the UK: • Women make up half the workforce, but just 9% of management grades and 2% of senior management (The Observer, September 2003) • Ethnic minorities make up just 1.5% of management, and are almost non-existent at senior levels (The Observer, September 2003) • By 2011, only a third of the workforce will be male and under 45. (2002-based projections issued by the government.) • By 2014, the working age population will increase by one million, and ethnic minorities will account for half that increase. (2002-based projections issued by the government.) Introducing and promoting diversity is morally the right thing to do. Diversity not only assumes that all individuals are unique and different, but that difference is ‘value added’. It acknowledges that everyone has the right to express their views and beliefs in a manner that is sensitive to those around them (i. e. free from racism, sexism, ageism and other forms of prejudice). Everyone should have the right to contribute to activities and grow within their workplace. A diverse work environment also demonstrates an organisation that it is a caring, inclusive and respectful. While there is no one specific piece of legislation covering diversity, there are several Acts of Parliament, European laws, Regulations and examples of case law which together make up the legal framework for diversity. (The Equal Opportunities legislation in particular makes it mandatory.) Although the following list is not exhaustive, the key legal frameworks include: • Pay discrimination (1970) • Sex discrimination or marital status (1975) • Race discrimination (1976) • Positive action [1986] • Disability discrimination (1995) • Human Rights Act (1998) • Gender reassignment (1999) • Age discrimination (1999 code of practice) • Genuine occupational qualifications [2000] • Equality in sexual orientation (2003) • Equality in religion and belief (2003) The business benefits of diversity According to a study published in 2003 by CREATE, an independent research centre (‘Harnessing Workforce Diversity to Raise the Bottom Line’), a more diverse workforce improves business performance. The study, which involved around 500 companies operating in the UK, USA and Europe, uncovered a range of business benefits including: • Higher staff retention • Reduced recruitment costs • More satisfied customers • Access to a wider customer base • Better supply chain management • Access to new ideas on process and product improvements Diversity is also key to success in global markets – any organisation that wants to expand internationally cannot hope to do so effectively without a detailed understanding of the cultural background of the new markets in which it hopes to succeed. The study did however find that diversity management is a long-term process with no quick fixes. Two obstacles in particular were being widely experienced: • Ingrained attitudes that make it difficult for senior managers to manage people who are very different from them • The culture of long working hours, which makes it difficult for women to aspire to senior management positions The report concluded that diversity produces maximum financial impact when it is linked with business strategy and has the support of senior executives. According to Professor Amin Rajan, chief executive of CREATE and co-author of the report, companies are beginning to see that diversity in the workplace pays. Rajan says “Instead of thinking about diversity as about equality, that is, in terms of the law or compliance, companies are now seeing it as an issue of merit and merit alone”. For instance: • Customers want to be served by a company they can identify with, so a white male sales force might be too limiting • Teams made up of mixed ethnicities, backgrounds and genders are likely to be genuinely more creative than teams made up of the same type of people Other benefits of diversity are that diverse organisations will: • find it easier to recruit as there will be a far greater market to choose from • enjoy access to a greater wealth of experience, skills and talent • gain improved public image – as an employer and as a service provider • experience increased staff motivation • encourage and develop entrepreneurs • develop role models, thus helping future growth in management • increase their market penetration • show better overall financial performance An additional spur has been the rash of multi-million dollar discrimination lawsuits brought against pillars of the US corporate establishment such as Texaco (a racial discrimination case settled for $176 million in 1996), Coca-Cola (a sex discrimination case settled for $192 million in 2000) and Wal-Mart (various disability discrimination cases settled for in excess of $7 million, plus a pending and potentially very expensive case alleging sex discrimination involving large numbers of both past and current female employees). The keys to diversity A diverse group inevitably draws on a wider range of experience, background and culture; but also benefits because, in the presence of diversity, the mind is encouraged to stretch and dares to move. The key to making diversity work is self-esteem. People have to like who they are; they have to take pride in themselves and draw on what they know to be true from their real experience. If they are ashamed of the group from which they come, they will try to blend into the dominant group and nothing interesting will happen. But if, on the other hand, they think and speak proudly as themselves, they will communicate with greater range, depth, freshness and insight. Diversity is inclusive. It is about ensuring that the ideas, opinions and contributions of all are heard regardless of race, colour, culture, creed, sexual orientation, disability, age, religion or gender. Making diversity pay involves real and difficult choices. For instance, to attract more women, City and consultancy organisations are having to tone down ‘long-hours'-dominated cultures and pay attention to unfamiliar concepts such as mentoring and work-life balance. Diversity has become a very important and profit-sensitive business issue: research findings such as the above show that well managed diversity potentially has a positive, practical and productive value to almost every business. Every organisation must therefore have a clear understanding of what it intends to achieve in living and working with its own diversity. Developing a diversity strategy is a central part of this – with commitment from senior managers being absolutely critical to success. This could be expressed, for example, through the inclusion of statements related to diversity within an organisation’s corporate values; or the setting-up of special teams to set targets for diversity, drive the process forward, and monitor and feed back the results. Implementing a diversity policy Research by Penna Consulting (2002) suggests that organisations that want to be successful in implementing diversity will need to adopt a practical approach including key elements such as the following: • Analyse your business environment. How diverse is your organisation, and is it representative of the local population? Does your workforce mirror your customer base? If not, you could be missing out on significant business opportunities. • Define diversity and the business benefits. What will be the tangible benefits of implementing a diversity policy, both for your organisation and its employees? • Include your policy on diversity within your corporate strategy and values. • Embed the policy within your core HR processes and systems. Make it part of your everyday operations. • Ensure leaders implement the policy – and give it their full commitment. • Involve staff at all levels. Implement awareness training, together with initiatives such as the creation of a diversity handbook, mentoring schemes, diversity councils etc. • Communicate the content of the diversity policy and success of diversity initiatives. • Understand your organisation’s needs. Depending on its size, understanding of diversity and ability to change, it may benefit from external support. • Monitor and evaluate. Benchmark your organisation’s progress and the impact of diversity internally and externally. How can external organisations help? Many organisations try to tackle the issues of managing diversity simply by providing their staff with a series of training sessions, as though it were an add-on skill that can be easily absorbed. Managing diversity means more, however, than just training your staff. It has to involve the organisation's culture, processes and systems, and may well involve the need for externally-managed initiatives including: • diversity audits • the development of a diversity strategy • policy writing (an Equal Opportunities policy is mandatory as laid down by the EEOC) • training and development • coaching • recruitment and selection • practical help and assessment on a continuing basis - to measure the benefits of cultural diversity within the organisation. About The Author Carole Spiers combines three roles of broadcaster, journalist and corporate manager in the challenging field of stress management and employee wellbeing. With 20 years as a top industry guru on stress management and wellbeing, Carole’s energy and dynamism extends to providing professional comment to media including television (BBC, ITV, Sky, NBC, CNN), print (Sunday Times, Daily Telegraph, trade and professional journals) and countless radio interviews. A successful entrepreneur herself, Carole is the founder and MD of the Carole Spiers Group – a dynamic, niche consultancy, and the UK’s No. 1 provider of Stress Management and Employee Wellbeing from the shop floor to the Boardroom A former Chairperson of the International Stress Management AssociationUK, Carole was instrumental in establishing National Stress Awareness Day™. Carole acts as an Expert Witness on Stress Risk Assessment before the Courts, and is the author of Tolley’s ‘Managing Stress in the Workplace’. Free Special Report Contact us to receive our FREE Special report ‘The Ten Most Frequently Asked Questions About Stress’ please email sb@carolespiersgroup. com For more information on CSG’S services, including in-house and public training, stress policy, stress audit, risk assessment, attendance management, rehabilitation support, post trauma support, mediation, impartial investigations, expert witness, nationwide employee counselling team, coaching and mentoring services, please contact us: Carole Spiers Group International Stress Management & Employee Wellbeing Consultancy Gordon House, 83-85 Gordon Ave, Stanmore, Middlesex. HA7 3QR. UK Tel: +44(0) 20 8954 1593 Fax: +44(0) 20 8907 9290 Email: info@carolespiersgroup. com carolespiersgroup. com If you would like to book Carole as a keynote speaker or conference chair at your next conference - check out carolespiersgroup. com/mediaenquirysheet. php



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Credit traps snag consumers

Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card back then, you often had to apply to a bank in Arkansas where interest rates were capped by state law. Those were the good old days. Now, interest rates range from zero percent to a high 39 percent. It's tougher to find (and keep) a good credit card than ever before. That's because there are many new traps that can snag unsuspecting consumers. At the top of the list is the "universal default clause" which allows issuers to monitor you credit report and raise your rate if you are late on any bill that appears on your credit report. One major issuer, for example, will hike a 0 percent rate to 24.99 percent if you slip up! In fact, true "fixed rates" are rare. Many consumers don't realize that a "fixed" credit card rate isn't the same as, say, a fixed-rate mortgage. In most states, card issuers can raise the interest rate on a fixed-rate credit card with just fifteen days' written notice. The new rate can typically apply to existing balances as well as new purchases. Fees are also on the rise. Take late fees, for example, twenty years ago a late fee on a credit card was still fairly unusual, and typically wasn't charged unless you were 15 days late with a payment. Now you often must get your payment to the issuer by a certain hour in the morning or you'll be charged a late fee of as much as $39. Go over the limit and you'll not only pay more interest, but a steep over limit fee as well. Foreign travelers are often charged a "currency conversion charge" of 1 - 2 percent of the amount of their purchase. As the result of a class action lawsuit, Visa and MasterCard were ordered to provide refunds of those fees in certain circumstances. The problem wasn't that the fees were illegal, but it was determined they weren't properly disclosed. The case is being appealed. Here are some findings from the nonprofit Consumer Action's annual survey of credit cards ( consumer-action. org): -- The vast majority of surveyed cards have significantly higher penalty rates that are triggered by one or two late payments in a period of six months to a year. -- One-fifth of surveyed issuers have shifted to tiered late payments, which Consumer Action interprets as a deceptive way of charging higher-than-average late fees. -- The number of cards with $35 late fees has more than doubled from last year. -- More than half the cards surveyed require cardholders to pay only 2 percent of the monthly balance each month - a disturbing trend that dramatically increases the overall interest paid by cardholders. -- More than one-third of surveyed institutions will not provide a firm annual percentage rate (APR) until they have screened the applicant's credit history. Instead, they give only a meaningless range of rates before screening, which makes comparison shopping difficult if not impossible. Don't get me wrong - I am not saying that credit card companies should not make money. In fact, easy access to credit has helped fuel our economy, especially when the going gets rough. But many consumers now are literally trapped by high-cost debt with few options. I've spoken to consumers who feel they have no choice but to file for bankruptcy because their credit card companies all raised their interest rates to between twenty and thirty percent, and they simply cannot manage to pay the balances down. With all the landmines out there for credit card users today, the best strategy is still to pay down debt as quickly as possible and limit yourself to a couple of cards to avoid problems. Sometimes, of course, that's easier said than done! For more information on ways to build great personal and business credit, visit BusinessCreditSuccess. com.



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Are we underestimating what we spend on credit cards

An investigation organized by Egg says consumers have greatly underestimated the amount that credit cards are used throughout the United Kingdom, what this means is consumers are spending a lot more than they think. The investigation revealed that when consumers thought they had spent was Ј236billion was in fact Ј437 billion, some difference! How come there is such a big difference? Well most of us usually pay for everything with the plastic card and find it hard to keep track of what we spend. Most people have more than one credit card and a lot of them transfer their balances from time to time to get the best interest rate, so when you are working with two or more credit cards it’s easy to miscalculate how much you’re spending, and with so many different payment options for you to choose from you can see how there can be such a difference in what we spend, over Ј200billion! scary or what?

Another question you have to ask is, if we do not know what is in our accounts how do we know we are not getting ripped off? Six out of ten consumers didn’t know how much was in their accounts so money could be taken out and they would have no idea. Mind you some would say (not me you understand) if you don’t keep track of your money you deserve to have it pinched. The British Bankers Association revealed that by the end of September, credit cards sales had fallen for the last two months indicating that consumers are being careful, but with Christmas around the corner I am sure the credit card sales will be up and we will have another bumper spending spree with the plastic cards. So the question was, are we underestimating what we are spending? well the facts definitely say yes! So what should we do about it well keep a tighter grip on your accounts, double check what’s coming in and out and make sure everything balances at the end of the month. good luck! Some important contacts: http:// bba. org. uk http:// cccs. co. uk



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Hurricane katrina businesses can claim casualty tax losses

Hurricane Katrina has left a wide and long path of destruction. Besides the human toll, businesses on the Gulf Coast have taken a beating. If yours is one, here is how you can write off casualty losses on your taxes. Casualty Losses – Katrina If your business suffered losses because of Hurricane Katrina, you can at least write-off much of the loss. In doing so, you may be able to get a refund of taxes paid earlier in the year. Tax law allows businesses to write-off business property that is damaged or destroyed because of a storm. To claim the deduction, you must show the following: 1. A specific casualty occurred and when it occurred, 2. The casualty was the direct cause of Katrina, and 3. You are the owner of the property. In the case of Katrina, this shouldn’t be difficult to do. Take pictures of anything that is a loss and try to compile a list of everything destroyed or damaged. Obviously, this should occur after taking care of your personal situation. Importantly, business owners should make sure they claim everything damaged. With the horrific flooding, damaged property may include not only products but also anything that rusts. If your business location is under water, make sure you investigate the impact on the property itself. Theft Losses – Katrina With the federal governments delay in rescue operations, your business may have suffered losses related to theft. New Orleans, in particular, seems to have suffered an outbreak of theft problems. While I can understand a person taking water and food, I must admit I have little empathy for people stealing television sets. For business owners, the distinction is irrelevant. To claim a theft loss for your business, you must show: 1. When the property went missing, 2. A theft took place pursuant to your state law, and 3. You were the owner of the property. The inevitable question that will arise for business owners is, “How do I know what was stolen versus destroyed?” Technicalities aside, you should claim losses as casualties unless you have specific proof and a police report related to a theft. I seriously doubt the IRS is going to give you much trouble. If it does, a judge will laugh the IRS out of the courtroom. Insurance Proceeds If you receive insurance proceeds for your casualty losses, you must apply the proceeds amount to the loss you are claiming. Sorry, but not double dipping is allowed. In Closing First and foremost, get your family and personal situation in order. Your business can wait and you will have options once you get to it.



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Beating crime with printers

Perhaps it would be naive to think that the 21st century governments would stop at monitoring your every move on the street. Pause for a minute to contemplate what the next level of tracking could include. The answer is laser printers. If you think a document from your colour laser printer doesn't carry your name, think again. The Electronic Frontier Foundation (EFF) claims that it has cracked the tracking codes embedded in Xerox Corporation's DocuColor laser printers. Such codes are simply one of the numerous ways manufacturers employ technology to help governments fight currency counterfeiting. The United States government is allegedly involved with a number of other companies in separate anti-counterfeiting programmes meant to prevent currency from being scanned and printed. The U. S. government, however, is not the only country teaming with the printing industry to fight counterfeiters. A few experts believe that the Dutch government is also using similar anti-counterfeiting methods through Canon’s encoding technology. Researchers in the U. S. have uncovered patterns of yellow dots arranged in 15 by 8 grids and printed repeatedly over every colour page.

The dots, however, are visible only with a magnifying glass or under blue light, which causes the yellow dots to appear black. The code appears as a grid of microscopic yellow dots, each less than a millimeter in diameter. These millimeter-sized dots appear about every inch on a printed page, nestled within the words and margins. By analyzing various test pages printed by supporters worldwide, researchers found that some of the dots correspond to the printers' serial numbers, and other dots refer to the date and time of the printing. Consider two documents – one carrying the author's name and one meant to be anonymous. By comparing the codes, it can be determined whether the two documents were printed by the same printer, even if Xerox reveals nothing about a customer's serial number. The EFF is now studying printers from other well-known manufacturers with similar tracking codes, but whose keys remain secret. Unlike inkjet printers, laser printers, copiers, and fax machines fire a laser through a mirror and series of lenses to embed the document or image on a page. Such devices range from a little over Ј80 to more than Ј1000, and are designed for both home and office use. Peter Crean, a senior research fellow at Xerox, says the company pioneered this technology about 20 years ago because several countries had expressed concern about selling the printers in their country. The move aimed at allaying fears that their colour copiers could be easily used to counterfeit bills. It is believed that since then, many other companies have adopted the practice. According to experts, several printer companies secretly encode the serial number and the manufacturing code of their colour laser printers and colour copiers on every document those machines produce. Laser-printing technology makes it extremely easy to counterfeit money and documents, and the dots, according to supporters, in use in some printers for decades, allow law enforcement agencies to identify and track down counterfeiters. However, the same dots could also be employed to track a document back to any person or business that printed it. Although the technology has been present for a long time, printer companies have not been required to notify customers of the feature. If this practice disturbs you, don't bother trying to disable the encoding mechanism of your printer—you'll probably break it. The coding device is a chip located deep into the machine, near the laser. It embeds the dots when the document is about 20 billionths of a second from printing. Although nobody has an estimate of how many laser printers, copiers, and multifunction devices track documents, experts believe that the practice is commonplace among major printer companies. The U. S. Secret Service would agree that it finds the printing industry quite helpful to law enforcement. According to sources, counterfeiting cases are brought to the Secret Service, which checks the documents, determines the brand and serial number of the printer, and contacts the company. Some, like Xerox, have a customer database, which they share with the government. Many people are apprehensive that the American government’s tracking initiative could lead to a serious breach of privacy. The government has already succeeded in persuading more colour laser printer manufacturers to encode each page with identifying information. Without your knowledge or permission, an act you assume is private could become public. A communication tool you use in everyday life could become a tool for government surveillance. And what's worse, there are no laws to prevent its abuse.



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Effective feedback for leadership success

Feedback for Leadership Success Providing feedback as a leader is critical to direct your team towards success. If you do it correctly, you educate and motivate your team members all at the same time. Get it wrong, and you send them into a downward spiral towards poor performance and possibly even their departure. Here are 4 key areas to focus on when providing feedback effectively. 1) Focus on the behavior, not the person. Feedback is not “personal”. We should not be attacking the person, rather describe the behavior that you have documented or observed, and then share your observations with the team member. The key here is to clearly coach the behavior and keep the self-esteem as high as possible while changing the behavior. 2) Eliminate words like always, all the time, and never. When you use wording that says that something always happens or never happens, the team member will automatically dispute, because the statement is not accurate. When you are equipped with specifics such as dates and times, coaching is more factual and specific, thus more effective. 3) Provide feedback as close to the behavior as possible. If you wait too long, the details become less clear and it is much easier to get into a debate about what actually took place. The only time I would suggest allowing some time to pass is when your emotions may be an issue and you need time to cool off. 4) Ask for a summary when completed. At the end of your discussion, ask the team member to provide a summary. This will ensure that he/she understood the point of the discussion, and there are also benefits to having the team member actually say in their own words what took place and what the corrective action is that was agreed upon. So take every opportunity to provide coaching and feedback and you will see your team become more motivated and self-directed, which makes your job as a leader more fun and rewarding. Kreg Enderson Leadership Mentor/Coach LeadershipMentor. net Take a look at our new “Learning Leaders Mentoring Groups” Monthly mentoring program for new leaders. And we also have A free tele-seminar on March 15th on Leadership Styles.



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Teaching english as a second language help others learn and grow

Who doesn't love the idea of travel? Who doesn't dream about a job that could take them anywhere in the world? If you're interested in teaching English as a second language, you've chosen one of the most popular careers for those with a true sense of adventure. As with most careers, there are certain personalities that succeed at this job, and certain personalities that don't. A close look at native speaking English teachers overseas would likely result in seeing some common traits which all successful teachers seem to have. If you're not sure whether or not you could be successful at this job, check out the following list. • Are you an independent worker? This not only applies to the classroom setting - it also applies to getting yourself over to your new country. Unless you fall in with a very helpful employer along the way, you will be negotiating travel plans and lining up job interviews entirely by yourself. Chances are good you'll land in the country with nothing but your luggage (if you're lucky). You must be self-reliant enough to figure out your own lodgings, food, and transportation - at least at the beginning.

• Do you have a love for other cultures? You'll have to be very tolerant and very open to change in order to teach English in another country. Keep in mind you won't just be visiting - you will be a working citizen of that country for the entire term of your contract. If you're absolutely attached to your SUV or you can't handle eating things you don't recognize, you're not going to adapt very well. If, on the other hand, you're the type of person who loves to travel and can't wait to immerse yourself in a world that's entirely different from your own, then you're in the perfect mindset for success. • Are you a pre-planner? If you drive your friends crazy by having to over-plan everything, congratulations - you're the right personality type for teaching English as a second language. The number one problem people experience in this job path is ending up in a position that doesn't make them happy.

You must be prepared to literally do hours of research about your school and your chosen position. Things aren't always as they seem at first blush, and if you don't take the time to dig deeper and plan for what's coming, you could find yourself in a very unlucky situation. Nobody likes to hate his job - particularly when it's thousands of miles away from home. • Are you prepared to make a few big leaps? It might sound contradictory, but even with all the pre-planning, there will come a moment when you have to trust fate and just go for it. We're not saying to do anything rash. Please, check out your future position, fly to the country and interview in person if you feel it’s necessary, and keep thousands of to-do lists. But when the moment actually comes to get on the plane, you'll have to have a certain amount of bravery.

Those who can't handle jumping into the somewhat-unknown a few times aren't going to be able to handle this job. If after all of this you're still determined to teach English as a second language, then you know what to do. Start researching and working your connections as soon as possible. And start preparing your family and friends for the fact that you're going to be gone. Write your landlord; find someone to take your pet cat. You're on the way!



Online Teaching english as a second language help others learn and grow

How to select the right color clothes

All of us have some favorite color or the other. Whatever color we pick to wear it clearly reflects on our personality. Clothes color and personality type are the two stuffs that speak a lot about a person. Following is a list that can help you select the right colored clothes that complement both red hair and dark eyes. • Begin your search for the right color clothes by divorcing yourself from your favorite colors. • Check out the color of your hair in the mirror. Are they brown? A true red head? Or do you have dark black hair.

• Remove all traces of makeup • Look at your eyes in the mirror. Do you have cat eyes? Chocolate brown eyes? Or do you have black berry eyes? • Know about the color of your skin. Are you fair, whitish or dark? • Now that you are armed with personally empowering information you can start your shopping. Choose ivory, tans, beige, medium browns, violet blues and golden yellow colored clothes if you have strawberry blonde or light hair, brown eyes and a fair complexion. Choose earth tones if you are have red head, golden brown eyes and whitish color skin. It’s very important that you select clothes that go well with your body outlook. How colors affect your personality • The color red is a perfect choice if you want to make a distinctive fashion statement. • Peach and pink shades are indications of coolness and calm • The color black represents power. Black can simply sail in all functions • Blue is a color of warmth and trust. It’s a must for every man • The color yellow portrays a feeling of anxiety and alertness of mind. • Green represents freshness, relaxation and calmness • Brown is perfect for classy informal styling • Gray is a perfect indication that you are a balanced person.



Online How to select the right color clothes

Mecca for student needs searchmycampus

Yawn...2:00 AM yet sleep eludes me. A caffeine boost at this point can fill your head with all sorts of philosophical questions or cravings for cheesecake. The question which is haunting me now is the purpose of the internet. While the internet is a great repository of knowledge how far has it come forth to help the Indian student community? Yes, I know that it is an invaluable source of research where you often get ready made material without ever visiting the hallowed temples of your college library. However, what interests me now is that even though there is a profusion of social networking sites, very few actually serve a real purpose. For all those who are going to pitch spiels about the need for interaction and the ‘human touch’ which is fast disappearing in this ever shrinking world I will not bother to challenge you. My question is entirely different. How does the world of internet truly help us? Sure facebooking (now a recognized verb) is fun but inane poking and scrapping and adding applications can only get you so far. Since its 2:00 and I’m not really coherent, humor me by reading on a little further about these musings of mine. You must all have college notice boards where various notices about lost wallets, events around campus, the odd student looking to buy a book, someone looking for a pg etc. find their way. Many of these are replaced by other notices within days, no hours; others get ripped and thrown away, some are lost in a deluge of other similar looking listings and only a few persistent ones serve their purpose. As a means of advertisement whether for accommodation or car pools, notes or events this is so far the only medium we have.

Now wouldn’t it be great if all the notice boards of a university could be brought together to lessen the work that students have to do. I mean c’mon we are a lazy bunch at heart and don’t raise that eyebrow because if we weren’t there, wouldn’t be so many dubious guides floating around. The all powerful entity that is the internet can certainly be utilized to meet this need. Surfing through the net I came across one such site which is a Mecca for student needs. It is a site created by recent pass outs who recognized the paucity of actually useful sites among myriad networking sites. searchmycampus is a boon which has come forth to lessen the burden on young shoulders.. This site offers the solution to all our student problems and needs metaphorically under one roof.

Ads relating to housing, jobs, merchandise, various services and more are brought together on this site. Despite being quite technologically impaired I can safely say that this site is extremely user friendly and a much more convenient way to solve our problems. No longer will we have to exert the ‘physical labour’ required to put up ads on the college notice board, check the responses, check other ads and run to other colleges to put up posters for events. This site has virtually wiped away any effort required on our part as everything is available at the touch of a button. This site aims at creating a community much like the social networking sites but the important point of divergence is that this site actually serves a useful purpose and meets need that is strongly felt.

There are no intermediaries or touts who offer the solution to every problem but at a price. On this site it is the student community which has to come together to form a strong network and help themselves by helping others. The clincher here is that this site offers its services absolutely free of cost. While generations have depended on notice boards, the next step is now here and we must not miss this opportunity. There is now an actual way to maximize the efficiency of the purpose our ads serve and it would certainly be foolish if we do not avail ourselves of this chance.

I mean, think about it. If we had not accepted Sabeer Bhatia’s proposition to make life easier for us through hotmail I would probably not be here writing this and expect it to reach you. The site certainly has the potential to revolutionize the way we function and the winds of change must not be stopped.



Online Mecca for student needs searchmycampus

How to make a candy bouquet

: A bouquet is usually made just from flowers, but that doesn't have to be the case. You can make your bouquet more interesting by adding other items, such as candy. Yeah, you read correctly, I said, Candy! Candy Bouquets are fun to make, look great, and they are a fantastic talking piece. I promise that everyone that sees your candy bouquet will feel compelled to comment on it. Young children in particular, will be absolutely delighted when they see your candy bouquet!

To make a candy bouquet, you will need:

  • 5 Silk Rose Buds
  • 1 Bunch of pearlies
  • 2 Thin Gauge wires
  • 1 Thick Gauge wire
  • 9 Lollipops.
  • Silk Leaves
  • Stem tape (green or white)
  • Ribbon
Step 1: Trimming the lollipopsTrim the lollipop sticks to about an inch or two in length, or just below the wrapper. Later, we will wire and tape the sticks just like normal flowers. We do this so that the lollipops can be moved around and positioned more easily. Step 2: Trimming the Rose BudsTrim the stems on the rose bud heads, and then wire and tape them. Step 3: Wire the lollipopsTo wire the lollipops you will have to put a twist in the wire around the stick of the lollipop. You will probably have to do this twice, to make sure that the wire is tight and wont come loose. The easiest way to do this is to use long-nosed plyers, and to squeeze the wire around the stick. Step 4: Wire and Tape the PearliesAlthough you don't need pearlies in your candy bouquet, they can work well to soften the bouquet, and make it appear more like an everyday floral bouquet.

Wire and tape the pearlies. Place the wire alongside the white part of the pearly strand, and then stem tape in place. Step 5: Assemble the Candy BouquetNow start to assemble the candy bouquet. Start the bouquet with the lollipops in a bunch, in one hand. Then slowly insert the leaves between the lollipops.

Fan the lollipops into a circular shape, with the leaves facing out. Place the flowers in next, keeping two lollipops between each flower. Fill any gaps left over at the end, with leaves and pearlies. Step 6: Add Figure-of-Eight BowsMake eight figure-of-eight bows, for the last layer of the candy bouquet, and fan them around the base. You can use normal ribbons or curling ribon. Step 7: Prepare the handleThe last step in making a candy bouquet is to trim and tape the handle. That's it! Simple isn't it? All you have to do now, is resist eating the bouquet long enough for some other people to see it!



Online How to make a candy bouquet

The role of secrecy in romance scams

The menace of romance scams again re-echoed recently at the media – hyped trial of the wife of a clergyman who allegedly murdered her husband. She apparently had cashed some fraudulent checks sent to her by a fraud syndicate working from Nigeria and Canada. She seemed to have sent some money to the fraudsters, and was said to have tried to cover up the fraud with the bank officials. It was during an argument with her husband, a minister in the Methodist church, over this expense that she allegedly shot him. This story should tell anyone who cares to listen one home truth-that romance scams and other related crimes are very real, and they are affecting the lives of many more people than was previously thought, both in the United States and elsewhere. While very few of such cases will ever hit the National limelight and be as sensational as the one described above, the reality is that many people are being harmed by romance scams than was previously thought. One of the major factors that make people to succumb to these scams so easily is secrecy. The tendency among those who are involved in online dating is to keep details about their dates a secret to themselves. From all I have seen, heard and read, many people who have fallen for the scams kept the knowledge of the relationship away from anyone, including those who should know about it. And when a close person to them either got to know somehow, or got a hint as to what was going on, they literally got mad with them. Some scam victim’s keep on dating the guy or girl for months, keeping everything about him or her secret. The scammers seem to encourage this sort of thing too. With time, when the scammers have worked hard to gain the trust and confidence of their potential target, then the fraudulent checks, money orders, credit cards and other fraudulent items involved in the scam begin to arrive. The warning signals are always there quite alright, but by this time, the victim is far too much in love with the scammer to ever believe that they could be wrong. The next thing that happens is the scam proper, in which the victim loses hundreds or thousands of dollars. If you are involved with dating online, then it could be very helpful to let one or two close people into your life, and let them know what is going on. That way, if things go wrong or they appear to be, you know you have one or two people who can help put you on the right track. Many victims I talked with in the course of my research expressed their regrets that they did not have anyone to watch out for them when they were being scammed. They pointed out that if they had been more open, and confided in someone they trusted, they would have been spared the much pain and agony that followed the romance scams.



Online The role of secrecy in romance scams

A guide to ebook compilers

* E-ditor This software has a demo version that you can download to try out before purchasing. You can't actually use the demo to create an eBook, but you can run the software and test it out thoroughly to see if it does what you need it to do for your particular eBook. This eBook compiler is one of the easiest to use. The software has a very user-friendly help menu that provides instructions for and explanations of every field on every screen. The program also includes video tutorials demonstrating every step of this compiler with clear explanations of all fields that need to be filled out. There are 7 screens that you use to choose your eBook options. This compiler requires your files to be in HTML format. You follow simple directions, and the compiler loads your files. If you decide to edit your eBook after it has been compiled, make any changes in your original files and click on "Compile you eBook" and your changes will appear in your compiled eBook. E-editor allows for some customization of your eBook. You can create a special page that appears when the eBook is opened; create customized icons that appear on the desktop after downloading; use your own logo on the task bar of your eBook; customize the task bar's buttons, where the task bar appears in your eBook, and choose the task bar's colours. Additionally, you can choose to have the eBook open to the last page read, which many of your buyers will appreciate. An excellent and unique feature of E-ditor is the capability to choose a standard Microsoft window or to create your own design for a window to personalize your eBook. The program provides some sample window designs, but you can use any. bmp (bit map skin) graphic you have stored on your hard drive. E-ditor is a good choice if you are new at producing eBooks because it is easy to use and allows you to customize the appearance of your eBook. * Desktop Author This compiler does not require a browser, nor do you have to download software or plug-ins. The program converts exe. files into pages that look like a standard book. You can create and produce eBook pages scaled to fit on your computer screen without any scrolling. Additional features include WYSIWGY (what you see is what you get) page editing and creation, the ability to manipulate internal images, cut and paste functions, hotlinks to pages, email, website, or other files. It is an excellent compiler to use for a marketing tool, such as creating brochures and manuals in addition to eBooks. * EBook Edit Pro This compiler provides a demo version, which allows you to test out its features. The software uses a Wizard that leads you step-by-step through the set-up and creation of your eBook. Customization includes text editing that appears on the pop-up starting message window; the ability to allow or prevent resizing of your book and the mouse-click pop-up menu; enabling or disabling the navigation bar and choosing the buttons you want to appear; and customizing the eBook's desktop icon and the logo that appears on the navigation bar. Ebook Edit Pro is loaded with excellent features that allow you to create multi-media Ebooks, and includes a Wizard that is customized for beginners and for advanced users. The software uses HTML files, downloading them from the directory where they are saved. Edit and resave your files in the original software used to create those files, and then with a single click you can re-compile your Ebook. Features include customization of icons, toolbars, and the "about box." This compiler has a particularly useful feature called the Re-brander feature. This permits you to enter customized code into your Ebook pages and distribute the Re-brander software to your affiliates or distributors. They can then customize the links included in the Ebook, but they can not alter any link or information that you have not entered a customized code for. The software includes "eBrand-It" software that allows custom fields for your customer's name, affiliate ID or URL. This feature is a powerful marketing tool because affiliates are much happier giving away your Ebook from their own site when they can customize it. * Ebook Compiler This compiler offers a demo version that allows you to compile 10 files. If you don't include graphics, you can create a 10 page Ebook that allows printing and copying of the Ebook. The catch is that you can't sell any Ebook you create in the demo version. The purchased software is user-friendly with easy-to-follow help files that not only guide you through the steps of compiling your Ebook, but also explains what an Ebook compiler does. The software provides detailed instructions on how to create source files from Microsoft Word 2000 and 1997, PowerPoint 2000 and 1997, and HTML documents. It contains less detailed instructions for creating source files from other programs. This compiler allows for password protection of your entire Ebook or for selected pages. Additionally, you can set a time limit on your Ebook. When the runs out, the customer no longer has access unless they pay for it. In other words, it allows you to create a demo version of your Ebook for marketing purposes. You can set a single password or multiple passwords. Using multiple passwords assigns each user their own specific password. Online help files guide you through setting up your passwords. You can also create a Sales and Thank-you page for selling a password protected Ebook. This is a good choice for the novice, particularly since it includes basic features for password protection and distribution. * Activ Ebook Compiler This is an easy to use compiler that provides excellent features. This software can support HTML, JPEG, GIF, and all active plug-ins. Features includes password protection, branding, internet linking, icon customization, assigning unique serial numbers, splash screen, file compression, and start-up messages. It also provides free lifetime upgrades. Additionally, it includes a pre-processor, re-brander, active script, and detailed instructions for using HTML, Power Point, and Microsoft Word files. There are several other excellent Ebook compilers on the market that are worth looking into. Ebook Generator features splash screens, password protection, branding, icon customization, and compression control. Additionally, it includes virus prevention that alerts the user to any modifications made to your Ebook and offers usage statistics so you can track your Ebook's use. With all these advanced features, this is an excellent compiler for the beginner because it is exceptionally easy to run. Ebook Creator is another excellent compiler, supporting HTML, JPEG, GIF, and PNG graphics, and JavaScript, VB script, and Java applets. It also supports all Internet Explorer plug-ins. Standard features include unique serial numbers, direct linking to a form or a page on your website, disabled right clicking, and search functions. The software allows for expiration after a set number of days or usages, which allows you to create demo versions. You can create up to 1000 different passwords; every time the Ebook is downloaded, a unique password is required to access protected pages. The software provides user-friendly menus and buttons that allow the beginner to the advanced user to easily create their Ebook. Obviously, there are some excellent compilers out there. So figure out EVERYTHING you need in terms of features, and then compare prices and options. Do take advantage of demo versions if they are offered before purchasing. And then, have fun creating your Ebook!



Online A guide to ebook compilers

Ebook review the rich jerk

EBOOK DETAILS File Size: 1,116kb Zipped, 688kb Unzipped. Number of Pages: 63 Format: Adobe Acrobat (.pdf) Subject: A guide to making money on the Internet. ABOUT THE RICH JERK If you have seen his website then you probably think that the Rich Jerk is some arrogant, rude, jerk. Aside from that little is known about the true identity of the Rich Jerk. He does make quite regular posts in his blog located at http:// therichjerk. com/blog/ which does give you an insight. He has also held the top spot on ClickBank and still holds a relatively high position today. Other than that the Rich Jerk and his identity is still shrouded in mystery. ABOUT THE EBOOK "The Rich Jerk's Guide to making Money on the Internet" (to give the ebook its full name) details seven ideas you can use to make money on the internet which are: · Creating an Affiliate Website!! · Search Engine Pay Per Click (PPC) Strategies!! · Search Engine Optimisation!! · Selling your own Information Product!! · Buying wholesale and selling on eBay!! · Websites you can make Profitable Right Now!! For each of the above topics the Rich Jerk explains how you would go about setting them up. On top of this he has also included bonus materials which include; "Other Online Ventures to consider", "Supplemental Info for Beginners", and "Quality Products Services that are Recommended." Overall, the Rich Jerk is a good ebook for beginners as it gets you thinking about how to set up multiple income streams on the Internet, which is essential for long-term success. It also provides you with enough information to set up each of the above income streams on your own. However, if you want to take each income stream to the next level you will likely have to purchase an ebook related to that stream e. g. an ebook specialising in affiliate marketing. That is the main problem with the Rich Jerk, it is aimed mainly at beginners, and therefore lacks depth. If you are thinking of setting up one or more of the above income streams then the Rich Jerk is a good beginners guide, but if you are reasonably knowledgeable in the above fields then the Rich Jerk is unlikely to tell you anything new. When I purchased this ebook I was relatively unfamiliar with Internet Marketing outside of eBay so the Rich Jerk proved a useful reference point for me to expand my websites. If you are in this situation the Rich Jerk would be a useful purchase. If not your money would be best spent elsewhere. GOOD POINTS · Provides a variety of useful, applicable ideas for making money on the Internet. · The language is concise and straight to the point with no technical jargon. · As a reader you are unlikely to have thought about all the possible money making strategies detailed in this ebook. BAD POINTS · It is aimed at the beginner so if you are looking to specialise in one particular area this ebook will not be useful. · Lacks depth in certain areas and some issues are merely skimmed over. HOW I HAVE GAINED FROM THE RICH JERK As I have already stated, prior to reading the Rich Jerk I only sold ebooks on eBay. Reading the Rich Jerk opened my eyes to the importance of Internet Marketing outside of eBay. In particular I began to use Google Adsense and ClickBank's Affiliate Program on my websites. I also began to promote my website through Article Submission (one of the best ways to drive free traffic to your website) and Pay per Click Advertising. Without reading the Rich Jerk I would never have considered these avenues for my business.



Online Ebook review the rich jerk

Options to finance your new home

Are you feeling overwhelmed with the sheer number of different types of mortgage loans? Not sure which one will work best for your situation and needs? Read on for tips to help you compare the advantages and disadvantages to the most common types of mortgage loans. First, it is important to understand the difference between a variable or adjustable interest rate mortgage and a fixed rate mortgage. With a fixed rate mortgage you gain the advantage of monthly mortgage payments that do not change; however, your interest rate may be slightly higher than what is offered with an ARM. With an adjustable rate mortgage while you will typically have a lower introductory interest rate, that rate may fluctuate over the duration of your loan.

This can mean your monthly mortgage payments may become higher or lower, depending on whether interest rates are raised or lowered. Beyond adjustable rate mortgages and fixed rate mortgages you also have other options in terms of how long you finance your home. The most common terms are 15, 25, 30, 40 and now even 50 year mortgages in some areas. Keep in mind the longer you finance your mortgage the less your payments will be per month but the more you will pay in interest over the duration of the loan. There are also special types of loans offered which may offer certain advantages. These types of mortgages include FHA and VA home loans.

A FHA home loan is often attractive to first time home buyers because it allows the purchase of a home with a lower down payment, in some cases as low as 3%. There are certain qualification regulations in order to be approved for a FHA home loan; however. You must have good credit history and enough income to cover the loan and your other financial obligations. Typically, all of your housing costs each month, including house note, property taxes and insurance cannot exceed 29% of your gross monthly income. In addition, your housing costs plus your other monthly long-term debt should not exceed 41% of your gross monthly income. VA loans are made available to veterans of the U. S. armed services for the purchase of homes. With this type of loan you can purchase a single family home, condo, new construction or even a manufactured home. You should be aware that you’ll usually need to pay a 2% fee when the loan is closed.

One of the best advantages to this type of loan is that 100% financing is available. In addition, you don’t have to worry about private mortgage insurance, which is required in certain cases when you are financing more than 80% of the home’s value. You may also be able to take advantage of a competitive interest rate. Other options include balloon mortgages and hybrid mortgages. With a balloon mortgage you may be able to lower your monthly payments by agreeing to pay a portion of the mortgage in a lump sum at the end of the mortgage. The disadvantage to this is that you will have to come up with the money or try to extend the loan; which may or may not be available. With a hybrid loan you can sometimes take advantage of a lower interest rate in the beginning of your mortgage, perhaps for three to five years, when you may be struggling more to make the payments.

After this time period has passed, the interest rate will rise and you will be responsible for a higher monthly mortgage.



Online Options to finance your new home

Wash care ribbon type of fabric tape material including taffeta and satin

: Wash care ribbon information and Barcodes can be printed on different type of fabric tape material including TAFFETA and SATIN. High precision printing machines ensure Quality Barcodes that meet all ANSI parameters. Multi-colour and both side printed labels can also be supplied. we have premium pure resin ribbons for giving durable wash care instructions on tafetta and satin whether coated on non-coated. The prints are smudge and scratch resistant and can handle harsh washing and dry cleaning processes. The ideal appication is for textile and grament labels. Near-edge wax-resin :- offering one of the best near edge wax-resin ribbons suitable for use on printer using the near edge / corner edge technology. The ribbon works at speeds upto 12 inches per second and gives durable prints on large variety of coated and non-coated paper labels, tags, polyester and pp labels. Ideal appications are shipping labels, retail tags orinting, drum labelling, outer carton labelling and overprinting on product labels.

Every consumer has the right to know that what quality or type of garment they are wearing. Every individual has their own taste of clothes. Besides this, the importance of maintaining and washing also takes a lead role in the eyes of the consumer.

  • The brand image / Brand name
  • Care - instructions
  • Fibre contents of the product
  • Place of origin
  • Size
All textile products and readymade garments need to carry the above information on their product. Labelling means conveying information. Now this can be done in various forms. Among the different types of objectives - THE WASH CARE – LABELLING plays a prime part in producing information of the consumer.



Online Wash care ribbon type of fabric tape material including taffeta and satin

Get a massage in boston

Did you know that the historic city of Boston, Massachusetts is a great place to get a massage? It happens to be true that in addition to everything else that Boston has to offer, it also has some really good massage therapists. So, whether you live in Boston or a future visit to Boston is for business, a much deserved family vacation, or a job related family relocation you might find you want to receive a massage therapy session. Massage in Boston is widely available from independent Licensed and Certified Massage Therapists, Licensed Massage Establishments, and many Day Spas that rival the best in the world. Getting a massage in Boston is a completely enjoyable and memorable experience that is something you will want to repeat over and over because it feels wonderful and has tremendous health benefits.

Whether your goal is to completely relax with a slow, soothing massage, relieve muscular aches, pain and chronic tension, have a more comfortable pregnancy, or improve your sports performance massage therapists in Boston can help you achieve your goals. In fact there are several types of massage in Boston. The most commonly offered massage styles in Boston are: Tui Na Massage - a Chinese method of massage that includes the use of hand techniques to massage the soft tissues of the body, acupressure techniques to directly affect the flow of vital energy (chi), and manipulation techniques to realign the musculoskeletal and ligamentous relationships in the body. Swedish Massage - perhaps the most common relaxation massage. This relaxing massage technique uses gliding strokes, kneading, friction, and striking strokes along with gentle stretching and rocking. Neuromuscular Therapy - advanced pain relief targeting specific trigger points in muscles, tendons, and attachment sites. Deep Tissue Massage - massage of the deeper musculature and connective tissue to release chronic tension and pain. It’s often a firmer massage that is appreciated by experienced clients. Sports Massage - massage to assist the athlete in preparing for and recovering from sports events. Trigger Point Therapy - targeted pain relief using specific pressure to release painful knots in muscles. Prenatal/Pregnancy Massage - massage for the mother-to-be helping her to decrease pain and discomfort throughout the pregnancy. However, in addition to the more commonly practiced massage techniques your Boston based Massage Therapist might also practice some other well known and effective massage therapy techniques: Lymphatic Drainage Medical Massage Acupressure Shiatsu Myofascial Release Ortho-Bionomy Strain-Counterstrain Aromatherapy Massage You might even want to try a special treat when you get a massage in Boston like Couples Massage where a couple can receive their massage together in the same massage room with two massage therapists. During the couples massage each member of the couple can choose to receive a different massage from that of their partner. Or, the true massage therapy enthusiast will find that some Licensed Massage Establishments and Day Spas offer Four Hand Massage, or Tandem Massage, where you can be massaged by two massage therapists at the same time. Massage in Boston is also very convenient to receive. Massage in Boston is available on an incall basis at a Massage Therapist's office, salon, or clinic, in a Licensed Massage Establishment, or in one of many conveniently located Day Spas. Massage in Boston is also available on an outcall basis in your Boston area home, office, or hotel. No matter where you are in Boston a great massage is just minutes away. So what's stopping you from feeling better? Massage in Boston is relaxing, stress reducing, pain relieving, and performance improving so get one today…it will be worth it!



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Betting horse racing

Betting on Horse Racing: From Traditional to Technological Betting on horse racing does not mean that you have to be present right there on the racetrack. Today, you can place your bet online and in the comfort of your home. This is the power of technology. Nowadays, everything can be found online. All people need to have is a computer and an online connection and they will be able to see the race action live on their small screen. Even if it is not as good as the live one or as big as the ones you will see on television, it is very convenient for those who are on the move and do not have the right facilities for it. Just think. You will never again miss the action. You will have a minute-by-minute account on the race that is going on. Besides that, you will know first-hand if the horse you are betting on will win or not. How does betting horse racing online works? There are some sites that just need you to register into them and put in your deposit. Once the result is out, your losses or winnings will be debited or credited into your account. Not all websites are like this though. There are those that require its would-be members to pay an initial fee. Some even require monthly charges depending on the frequency of your visit and stay. Even if the betting horse racing is done online, the rules and regulations are still the same. The types of bets and race conditions are also the same as the ones you will see and get live. Since the process is done through computers, you can expect a short delay on the tally of your bets based on the overall betting system. For those who cannot wait for the update, they are given a choice of the statistics to be sent directly to their cell phones. But with the advantages that people get from betting horse racing online comes its disadvantages. They may be minors but it is still worth the glance. 1. Unsatisfying experience. Some people find that nothing can compare to the feeling that they get when they are on the racetrack and is part of the action. You cannot really get that same feeling when you are just there watching it on screen. Most of those who bet on this sport are after the excitement of seeing the race from start to finish. They still want to shout and cheer with the rest of the crowd gathered there on the stadium. 2. Miniscule screen. Being confined in the small screen of your computer, you will not get a view of what is happening in the whole event. You will just rely on where and what the camera is focusing on. This is a total turn off for those who want to see every corner and every move around the racetrack. Those who are intent on having a better view of the horse race choose to have their own satellite TV in their home to get a bigger and better view of the live happening in the racetrack. 3. Computer system problems. Slow computers and outdated hardware installed in your computers are one of the factors that will hinder your betting horse racing online experience. If you do not have the most advanced features, do not expect your viewing to be as great as it should be. However, if you can do away with these minor problems and your only desire is to cut the suspense and see the result as it happens, then horse race betting online is always there at your convenience.



Online Betting horse racing