Winter skin care strategies

As the cold weather approaches, it may be time to consider your skin care strategy for the winter months ahead. Dry air and cold wind can have a significant effect on the health of your skin, and you will want to do everything you can to protect your skin from the harsh winter elements. Give some serious consideration to the following information, and be proactive about the health of your skin. Even though you will be bundled up in winter clothing, you should still consider using a sunscreen of some sort. For daily use, it may be a bit extreme to cover yourself in sunscreen in the winter months. Instead, try to use a moisturizer or makeup with an SPF of 15. If you are going to be out on the slopes, you ought to use a sunscreen with an SPF as high as you would use in the summer. The snow on the hills reflects an incredible amount of sunlight. Don’t forget to use a quality lip balm, too. Try to avoid taking long, hot showers this winter. We all know how wonderful a hot shower can feel on a cold day, but try to resist the urge as best as you can. Hot showers can strip your skin of its natural moisturizers. Instead take a short, warm shower. Try to pat your skin almost dry, and apply a moisturizer while your skin is slightly damp. This is a great strategy to help you avoid dry skin. Another thing to consider is your home heating system. As your furnace will be in constant use in the colder months, the air in your home can become extremely dry. If you do not have a humidifier built into your heating system, you should invest in a portable humidifier. Using a humidifier can prevent your skin from drying out, and it can help you avoid dry nasal cavities. If you do suffer from a dry or bleeding nose in the winter, apply some petroleum jelly for short-term relief. In my opinion, the best way to deal with dry skin is to hydrate from the inside out. Drink as much water as you possibly can, regardless of the time of year. Drinking the recommended 8 glasses of water per day, will flush countless toxins from your body and will help keep your skin healthy and fresh. By following these suggestions, you can have beautiful skin all year round.



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Net promoter scores 7 fast ways to raise them

: Net Promoter Scores is one of the hottest business measurement tools. In fact your next promotion or bonus may be based on your Net Promoter Score – which asks customers one question – “On a scale of zero to 10, how likely is it that you would recommend us to your friends or colleagues?” Customers who respond zero to 6 are detractors, all who respond 7 or 8 are passive, and 9 or 10 are promoters. The percentage of promoters minus that of detractors is your Net Promoter Score. So, let’s suppose your company just implemented the Net Promoter Score. That means you, your pay, and your future promotions are tied to your ability to turn customers into promoters.

At Customer Focus, Inc. ( customerfocusinc. com) we’re a customer service training company who helps raise Net Promoter Scores. We’ve discovered fast ways to raise your scores. Whether you use a professional customer service training company or do it yourself, have your people learn and practice these seven techniques.

Then observe, measure, and reward them. They may sound simple, but they work and do so quickly. 1. Welcome and thank every customer Begin with every customer “Welcome to…” or “Thank you for calling …” And use a warm and sincere tone of voice that lets the customer feel like an invited guest. And if you recognize, say “It’s good to see (hear from) you again”. Score 2 or 3 points already. 2. Use names as often as possible Quick quiz: What’s the most important word customers want to hear? In an increasingly impersonal world, customers thirst to hear their name.

Train your people to use each customer’s name at least twice. Each time is worth a point up to three points. Then, to lock in those points, have your people state their own name twice. The first time, the customer didn’t hear it. Then after you use the customer’s name, they hear your name the second time you say it. 3. Say glad, happy, pleased, or pleasure for every request There’s a reason at Ritz Carlton they say, “My pleasure.” Train your people to respond to every request with, “I’d be glad to take care of that,” or “I’d be happy to do that,” or even, “Sure, that’d be no problem.

” Let them use their own words and let the positive feelings rub off onto your customer.. Rack up at least two points the first time you say it, and one or two more for saying it consistently. 4. Apologize whether you’re sorry or not You work hard to build up your points with a customer, but you could lose 3 or 4 points in a blink. When customers feel wronged or upset, apologize and show empathy to keep your points. Take responsibility and never blame anybody else.

The customer will feel they can trust you to take care of them and who they recommend. Sincere apologies create promoters. A person in one of our training classes once said, “We were told never to apologize. You never want to admit blame.” Employees don’t have to admit blame or say, “We were wrong” to apologize.

Apologize for the customer’s inconvenience, or for having made the customer upset, or for the situation. In the Net Promoter world, such words are magic. 5. Provide GEMs to meet Uniqueness Need We start our customer service training by saying that customers have three TRU needs: Task Need, Respect Need, and Uniqueness Need. You create a Distractor by not meeting either of the first two needs, you create a Passive customer when you meet just the first two needs, and you create a Promoter when you meet all three. To make a customer feel Unique do something extra that exceeds expectations. We call those extras GEMs™ for Going the Extra Mile. We provide many guidelines and examples of GEMs, but one thing is common in all GEMs – you cannot standardize them. Train your employees to think, “What else can I do for this customer” or “What more can I do?” And the greatest opportunities are with your greatest challenges. Give a great GEM and do the first four above, and you’re good for an 8 or 9. 6. Train your employees to create an “experience” for the customer. Net Promoter is all about getting people to talk about your company in a positive way. Great experiences generate great stories, and terrible experiences generate horror stories.

What stories are your people generating? As a manager, you can encourage great customer experiences by collecting stories of those experiences and rewarding those who create them. You can set the bar for the rest of your company by featuring and publicizing these stories, as well as receiving the high Net Promoter scores these experiences engender. 7. Create a “Cheat Sheet” for your employees to use with every customer If employees don’t know how to turn detractors and passives into promoters, a company’s Net Promoter scores will never go up. Ongoing training and reinforcement in these skills is crucial for high net promoter scores. After training, create a “Cheat Sheet” for your employees to use with every customer. Then, either hold a team meeting or coach your people individually, or both. Do ongoing role-plays with each employee to practice these skills.

Observe them in action and give them feedback, especially praise. Companies are adopting Net Promoter because it is remarkable in its power and simplicity. By taking all these actions, you just might get to keep your job, get that bonus, and move on up. Go to our website at customerfocusinc. com or call us to find out more about getting fast training to increase your Net Promoter scores. About the Author Customer Focus, Inc. is an international customer service training company that provides innovative, world-class customer service skill building and culture-building training programs at low cost. Contact Steve Fugate: (817) 303-5256© Copyright 2007 Customer Focus Inc. This Article is Copyright protected. Republishing & syndication of this article is granted only with the due credit, as mentioned, retained in the republished article. Permission to reprint or republish does not waive any copyright. The text, hyperlinks embedded on the article and headers should remain unaltered.

This article must not be used in unsolicited mail.



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How to get press to come to you

Have you ever noticed how the same people’s names always seem to appear in magazines and newspapers articles which quote them as a source of info and advice on their own particular subject, whether it is web functionality and design, cosmetic surgery or investment banking? They don’t just get there by accident. They, or their PR Company, have put in a pretty concerted effort to become an expert in their field. And here’s how you can become one too... 1. Your first step is to define your niche. Don’t just choose the whole of your industry. Choosing a particular area that has relevance for people’s lives (or their money!) means that you will be more appealing to a journalist or editor. For instance if you are a life coach choosing one area of coaching (say helping people find a new job) is going to be more successful than trying to set yourself up as an expert on everything. Likewise if you deal with investing people’s money, talking about investing for your children’s education and further education will bring you better results as specific situations and articles will bring you into the mind of the journalists. 2. Get your press release written – who you are and what you do should be summed up clearly and precisely. If you can’t handle writing a press release get hold of a copywriter or contact me for details of my press release writing service. Make sure it has a vibrant and attention grabbing first paragraph as many journalists are too pressed for time to read beyond it. 3. Identify your target publications. This might involve some research into what your potential clients read, watch and check out on-line. Don’t be distracted by the thought of getting into gorgeous glossies or huge consumer publications if your clients are more likely to be swayed by something they read in the trade press. Focus. 4. Sort out your press release (or get me to do it for you!) and send it, together with your tip of the month/week on investments, caring for your teeth, getting new clients, or whatever your particular niche may be. Experts have to be adept at putting difficult ideas and concepts into layman’s language so keep tips practical and easy to read. When sending to journalists keep it in the body of an email, no attachments, no fancy pictures or logos. 5. Make a date in your diary to send a new one out every month/week. Don’t forget to include your press release at the same time. 6. Make sure you have your extras (photograph, biography, logo) ready to go at all times if requested by a journalist. 7. Give the press a valid number, possibly even your mobile, where it’s going to be easy for them to reach you without having to navigate switchboards or assistants. 8. Don’t forget radio. Even if you think that you’re unlikely to reach a large number of your potential clients by appearing on a particular show (and you can usually do this from home or the office if time is a problem), it’s great to be able to say “as heard on..” and it’s good practical media practice for you. Finally, even though your clients may not be listening, potential press contacts often are! 9. Advertise the fact that you are available for media comments and articles in as many places as possible – on your website, on your business card, in your email signature - and use your published tips to create a portfolio (both online and in a nice funky folder!) to further enhance your reputation as an expert. Copyright © Paula Gardner 2004. All rights reserved.



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After bankruptcy applying for credit

Many people who have filed bankruptcy in the past apply for credit the wrong way. They fill out a credit application and hope for the best. Best case, they probably end up paying a lot more in interest and finance charges - hundreds or even thousands of dollars more, depending on what they're buying. That said, in this article we are going to talk about the RIGHT way to apply for credit and loans. So what is it? Well there are three steps: 1) Learn how to increase your credit score 2) Know the credit approval process 3) Know how to apply for credit and loans Now, you want to get all three of these steps right. Not just one or two, but all THREE! See if you miss one, or don't do it just right, you can end up paying $100s, $1,000s or $10,000s in additional interest and finance charges, depending on what you're financing. Here are the three steps in more detail... Step One: Learn how to increase your credit score. Increasing your credit score is a key factor in lowering the interest rate you pay on loans and getting approved for them as well. Unfortunately, there are a lot of myths out there that can actually hurt your credit score. There a number of ways to increase your credit score. One way is to watch your credit card balances. Lenders don't like to see them go above 50% of the available credit limit. For example, if you have a credit limit of $3,000 and you're current balancing owing is $1,800 (60%) that can hurt your credit score. In this situation, there are two ways you can fix the problem. First, of course, is to pay the balance down so that it's less than 50% of the credit limit. The other way is to get a credit limit increase: If you can get a credit limit increase to $5,000 that will means you will be at less than 50% of your credit limit ($1,800 balance versus $5,000 credit limit). And you didn't have to pay down the balance by a penny! Another way to increase your credit score is to add years of positive credit history to your account. Most people don't know about this and it's 100% legal. But that's another article in itself. The point I am trying to make is that there are a number of strategies you can use to increase your credit score. Best of all, many of them can be implemented quickly and easily. Step Two: Know the credit approval process What do potential lenders look for? Here you need to know the questions to ask. For example, do they work with people who have had a bankruptcy in the past? What is the minimum credit score they want to see? These are just the initial questions. There are a number of other questions. There are also a number of items that send up red flags if a lender sees them on your credit application - ones that could jeopardize your chances of qualifying for the loan or cost you more money in interest. Another factor when applying for credit and loans is timing. You don't want to apply for credit and loans until you've increased your credit score (most people make this mistake). That brings us to step three... Step 3: Know how to apply for credit and loans. Knowing which lenders to approach and how to negotiate with them is also really important. Apply for a loan or credit with the WRONG lender and you're practically guaranteed to be turned down; or, you end up paying a pile of interest. Then there's there is the negotiation process. This especially important when you're buying a car - for example, people will spend a lot of time negotiating the price of the car they're buying and the value of their trade in (if they have one) - and STILL be taken advantage of. They don't know how to REALLY negotiate for a car. Think about it. How often do you buy a car? If you are like most of people it's probably once every so many years. Now, how many times a day do you think a busy car dealership negotiates with buyers? Multiply that by weeks, months and years and you can see that they have slightly more experience. You should now have an idea of the RIGHT way to apply for credit after bankruptcy. Though I wasn't able to go into detail on ALL of the strategies you can use to increase your credit score and qualify for credit and loans at more reasonable rates this should at least give you a starting point. Copyright (c) 2006 Innovative Solutions Publishing, Inc. All rights reserved. DISCLAIMER: This information is designed to provide only a general overview of the subject matter herein. This information is provided with the understanding that neither the publisher nor author is engaged in rendering legal, accounting or other professional advice. If legal or other expert assistance is required, the services of a professional should be sought. Neither the publisher nor author shall be liable for any loss or damages, including but not limited to special, consequential, incidental or other damages, caused by the information contained herein.



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Setting financial goals the first step in turning your dreams into reality part ii

I decided to resurrect this article (with some changes due to events that have happened this year) from my website because of the time of year it is. With New Year’s Day being less than a week away, this is the time of year where many of us reflect on the past year, re-examine our dreams, desires and goals and make resolutions for the upcoming year. Some of us are more successful at keeping those resolutions than others. There are those people who say they want to make changes to improve their lives this year that make a few resolutions, but don’t do anything about them at all. It’s as if they said it only because they felt it was expected of them or they were hoping that things will change by themselves without any effort on their part. Then there are those people who make the resolutions work at it for a month or two and give up when they don’t see progress quickly enough or because they really didn’t want to make the change to begin with. There are people who decide if they just try a little harder, apply themselves more to their current work they will do better for themselves even though they know they were working hard enough already. I have to admit, I used to be one of those people. My parents taught me to believe that if you work hard enough, you will succeed. They were right to a certain extent.

I started off as a cashier and I became a store manager eventually. To that end I was successful. But when you reach a certain plateau, no matter what career you are in you will reach a point where working harder will not bring you any more than you already have. If you continue to do the same things you are already doing you will only have the same results that you have right now. Most successful people will tell you that it did not happen overnight. That they failed a few times first, learned from their mistakes, adapted and changed their plans and tried again. Their commitment to change their lives and their commitment to implementing their action plan is what eventually made them succeed. The only way things will change for you financially or otherwise is if you decide that you want to make changes. Once that decision is really and truly made you have to make a plan of action to implement those changes.

Then you have to make a commitment to implement your action plan and stick with it. Your dreams will stay just dreams if you do not back them up with a plan of action. If you have not set goals before and are not sure where to start here are some questions you can ask yourself to get started: What do you want out of life? How high do you want your net worth to be? Can you accomplish that net worth in your current career or will you have to return to school to accomplish it? Can you accomplish it by some refresher courses or by adding to a degree you already have or will you have to start at the beginning again? Can you do this at a regular State College or will you have to go to a specialized or trade school? Do you want a bigger house, a vacation home or a boat? Do you want your children to go to college? When you retire will you live in the same home you live in now? Do you want to travel when you retire? Do you wish to sell your home and retire to your vacation home permanently? When you retire from your career will you take it easy or will you work part time? Would you like to turn a long time hobby into a business once you retire? Now here are some questions you need to think about when you are starting to formulate a plan to reach some of these goals or items on your wish list. Keep in mind you also need to think about the amount of money the goal will cost and the amount of time you want to accomplish it in. What do you have now? You can get a free balance sheet that you can use to figure out your net worth by going to http:// yourdollarsandsense-budgets. com/balanceworksheet. html. What do you want to have? This is where your dreams and your wish list come in. What will it take to get you what you want? Can you do that with your current company or do you need to consider going to another company for more money? Do you need to consider a second job? Or do you need to consider more education like I discussed earlier? What will it cost to buy the house you really want? If you currently rent, a house is an investment. If you already own a home, you need to ask yourself if a different home is a need or want. If your family is growing and space is an issue, then it is a need. If you want your children to grow up in a better neighborhood or attend a better school district, this is also a need. If you are thinking of selling your home just because you want a better home, you have to ask yourself if it really is worth it? Will you make enough money from this home so your mortgage payments won’t be too much higher than they are now? Can you accomplish the same thing by taking out a home equity loan or line of credit and fix up your current home? Are you willing to take longer to reach your other financial goals just to have the home that you want? How much will it cost to give your children the college education you want them to have? Will you handle the whole cost or will you expect them to get a part time job to pay for their books and to earn their own pocket money? They need to know what you expect of them and they need to know what they can expect from you. Have your parents provided well enough for themselves during retirement? Will you have to help them out financially should one or both of them become ill? Will they need to live with you if that happens? Do you have the space or the money to make the necessary adjustments if that does happen? How much will it cost to retire with the lifestyle that you want? How much time do you have to accomplish theses things? Whether you have 20, 30 or 40 years to accomplish these things will make differences in the answers to the questions. These are only some of the things you need to think about. It depends on what you have now and where you want your life to go. That is different for everyone. Only you can decide. Only you can choose what you want the next year to be for you and what you are and are not willing to do to accomplish those things. Deciding to make a change won’t work if you don’t take the actions necessary to make those changes. It can be done though. People change their lives for the better all of the time. All it takes is the desire to come up with a plan to make the changes and the determination to stick to the plan and see it through. Knowing full well that there will be bumps in the road and things will come up unexpectedly but adapting and changing with the unexpected and getting back on the road again. You can do it if you want to do it badly enough. Start small if you have to. An extra five or ten dollars a month saved in a retirement account or put toward debt over time does make a difference. Don’t think that because you can’t start off with a bang or with some grand gesture that you should not start at all. Time and compounding interest is on your side and works even when you start small as long as you keep at it. Now it’s time for you to decide. Are you going to be one of those people who makes the resolutions and forgets about them? Or one of those people that keep doing the same things and expects different results? The same things will only bring you the same results. Or are you going to be one of those people who has decided that next year and every year after will be better than the year before and act on it?



Online Setting financial goals the first step in turning your dreams into reality part ii

Commencement of a career 2006 graduation employment outlook

The members of the Class of 2006 are expected to be met with great opportunity after they accept their diplomas and embark on the U. S. workforce. Baby boomers are beginning to retire and, as a result, employers are aggressively recruiting top talent to not only fill open positions but to identify and retain the best and brightest. Fortunately for these graduates, the job outlook is strong, as 72 percent of employers anticipate hiring entry-level employees in the next year, according to a recent survey conducted by MonsterTRAK, the leading careers site for college students and young alumni. Additionally, 37 percent of employers report plans to hire more college graduates than they did in 2005. The MonsterTRAK survey also revealed that 82 percent of graduates expect to receive at least one job offer following graduation, while 13 percent have already secured a full-time job. According to MonsterTRAK, it is possible for 2006 graduates to land the opportunity of their dreams, if they follow their instincts and develop a strategic plan of action to secure their career goals. Before starting a job search, graduates should answer these four questions: • Who Are You? New job seekers should first complete a self-evaluation, examining both personal and career-related goals, interests and values. This will provide the framework for exploring career objectives and narrowing a job search. • Why Hire You? After completing a self-evaluation, grads will be better equipped to identify their most compatible career path and create a strong resume. Recognizing weaknesses can also be beneficial, as it can provide direction as to the skill sets they need to master. • Where to Work? Throughout an initial job search, making a strong connection with a future employer is essential. The best strategy is to research successful companies within a given field, applicable hiring trends and the availability of entry-level positions. • How Do You Make the Connection? Informational interviews and internships can be particularly beneficial, as they provide education regarding the skills required and help to forge networking relationships. Roughly 57 percent of 2006 grads surveyed by MonsterTRAK have already completed at least one internship. Finally, one of the most important things recent graduates should recognize is that their job search will be an ongoing learning experience. Starting with clear objectives and a good understanding of their capabilities will help build the confidence needed to shine during interviews. The future looks bright for the members of the Class of 2006, but it is up to them to properly market themselves and seize all the opportunities ahead.



Online Commencement of a career 2006 graduation employment outlook

Cellular phone wallpaper

Cellular phone wallpapers, give your phone personality In the modern society we live in, cellular phone is already a necessity; no longer valid is the notion that this is merely a luxurious toy. For minors, however, cellular phone usage is very popular as a dress up gadget. Although, the parents think of it is a necessary communication for them to be able to check their children wherever there are. Although they never foresee this boom some years back, manufacturers are quick to flood the marketplace with functional and high-tech cellular phones. Various beneficial features of cellular phones are not available in a landline telephone; this is what can make cellular phones outpace landline telephony. For those who want to dress up their cellular phones, you may also find cellular phone useful. Manufacturers and computer experts introduce the possibility of giving your phone personality by introducing cellular phone wallpapers. If you want cellular phone wallpapers, getting one from the internet is very easy. You may also transfer images as cellular phone wallpaper from Cellular phone to another cellular phone. Even the pictures shot from your own cellular phone can be your cellular phone wallpaper. Additionally, this modern technology also allows a picture taken from a digital camera to function as your cellular wallpaper you may just need to upload the image to your phone. You may even add texts to the pictures to add distinctness to your cellular phone wallpaper. Cellular phone wallpapers are merely to add beauty and personality to your cellular phone. However, if your cellular phone does not support uploading cellular phone wallpapers, do not despair, this does not mean you will not get the benefits of owning a cellular phone. Additionally, cellular phones even without cellular phone wallpapers may have its own personality; personalized ring tones may do the job of giving your phone personality as well. Having no cellular phone wallpaper does not say you have an inferior cellular phone. Anyway, the basic features of cellular phone like sending and receiving calls do not require personality or cellular phone wallpapers. Even sending and receiving text messages do not require cellular phone wallpapers. Functionality does not necessitate cellular phone wallpapers; their use is only to dress up your phone and for the purpose of flaunting your cellular phones high technology features, nothing more. Finally, keep in mind that intelligent cellular phone usage include keeping in mind cellular phone etiquette. Cellular phone etiquette do not just give your cellular phone personality, cellular phone etiquette exhibits your personality, the users personality is more important that your phone having personality. Even if your phone do not include such high technology and innovative features, if you can turn off your phone during meetings and avoid having to annoy the other person in front of you, you are exhibiting a personally that is intrinsic in you. If you exhibit cellular phone etiquette, even without cellular phone wallpapers, you will get all the benefits of this modern day gadget. You may even get the respect from other users, if you respect them they will not use their phone unethically that may annoy you. It is a two-way traffic, if you exhibit telephone etiquette, the people around you will do the same. Moreover, you do not need cellular phone wallpapers to gain respect from exhibiting telephone etiquette.



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12 irrefutable cool work habits according to dogbits

Just the points, please! 1. Go to work one hour early and start working. 2. Extend one hour before going home. 3. Follow what your boss tells you. He has the power to promote you and increase your pay! 4. Patience is a virtue especially at the workplace. 5. Prioritize tasks which are important and immediate. 6. After finishing the priority tasks, consider the rest as priority too. 7. When at work don't play or chat with your officemates, you can do that on breaks. 8. It doesn't matter if you worked all day, what matters is your accomplishment for the day. 9. Do not assume, confirm first. 10. Think of other ways to make yourself more useful to your boss. 11. Learn to love people and be ready to smile. It will make you younger by 4.5 years. (Believe me!) One time a friend told me, "Smile, don't save it." You can't save it anyway and does it cost a thing? 12. Pet a dog, it will make you a better person. (Oh, this is extra!) 13. Treat your dog as you treat your wife. (What do you mean, man?!) Now, here's what the Apostle Paul said: "Now we command you, brothers, in the name of our Lord Jesus Christ, that you keep away from any brother who is walking in idleness and not in accord with the tradition that you received from us. For you yourselves know how you ought to imitate us, because we were not idle when we were with you, nor did we eat anyone's bread without paying for it, but with toil and labor we worked night and day, that we might not be a burden to any of you. It was not because we do not have the right, but to give you in ourselves an example to imitate. For even when we were with you, we would give you this command: If anyone is not willing to work, let him not eat. For we hear that some among you walk in idleness, not busy at work, but busybodies. Now such persons we command and encourage in the Lord Jesus Christ to do their work quietly and to earn their own living." (2 Thessalonians 3:6-12 ESV)



Online 12 irrefutable cool work habits according to dogbits

The urge to download

If you've been hearing the buzz on Urge recently, it's not about a deep desire or compulsion - it's about MTV's offering to the world of online music downloads and streaming. Urge is a subscription based music download service in which its patrons can subscribe for a monthly fee of $10 and listen to as many of the 2 million songs in MTV's coffers as they like. If they'd like to download that song, then it costs 99 cents each. But it's not just MTV behind the latest addition to the world of online music. Microsoft and MTV are working together on this one. Bill Gates must have seen the success of similar sites like Napster and Rhapsody and decided to jump on the bandwagon. Urge's challenge will be to convince all those music lovers who prefer to buy songs and download them through sites like the incredibly popular iTunes, owned by Apple computers, that subscribing to a site and being able to listen to whatever songs you like, in whatever order and as often as you like is just as good or better than buying them one by one. It's just one more battle to add to the long running conflict between Microsoft and Apple.

Does Bill have anything different to offer through Urge? Anything that makes this latest venture stand out from similar sites? Not really. Should you choose to become an Urge subscriber, you won't find any music that you wouldn't find on any other download - subscription site. The prices are even pretty much the same.

What they do offer is a aesthetics - their site looks good. Plus, there's the camaraderie. Subscribers can post on blogs and converse with one another. But that's about it. But with Microsoft powering the marketing and advertising engine behind Urge, it's sure to do well. Even the latest incarnation of Microsoft's Windows Media Player has Urge built in. Everyone with a PC has access to this free player and therefore easy access to Urge. What PC users won't have is the portability provided by the wildly popular iPod. Current owners of iPods, should they decide to subscribe to Urge, will have to buy songs through the site, download them, burn them onto CDs and then convert the music files to mp3s in order to be compatible. Other portable devices are compatible with the service, however, and those are listed on the site. This all may change in the Christmas of 2006, as buzz indicates Microsoft plans to release their "iPod Killer". Based on the Xbox brand, and including additional features like gaming, this media player is aimed right at Apple's heart, and could quickly make "Urge" a household name, assuming the two products are closely linked. Each of the music download sites has their own strengths and weaknesses. Urge fully divides and subdivides genres so that its subscribers can easily find what they're looking for while exploring other bands that they might like. Yahoo Music Unlimited personalizes the start page to include suggestions based on the subscribers previous downloads and offers a cheaper subscription rate. Rhapsody has the best radio services, providing specialized stations that stream a pre-set list of music. If you can't decide, then try one or try them all. Each of them offers a free trial subscription. You can experiment with all of them and decide which one suits you best.



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Camcorder battery

: Choosing what works for you. Camcorders have come a long way from the big bulky machines that required an advanced degree to operate them. Now camcorders make you think of a hand held trendy accessory that can easily be brought to any event to capture the moment. As with all handheld appliances, the element that keeps them going is the battery. For every brand of camcorder, there is a specific type of battery and a varying amount of battery life. For each brand and model of camcorder, there is a specific battery designed for that camcorder by the manufacturer. In order to purchase additional batteries, you must know the make and model number, as brands like Sony have dozens of models of camcorders. Camcorders typically use NiCD or NiMH batteries. Newer Lithium Ion batteries are on the market for camcorders as well.

They are more ideal for camcorders because they must run multiple applications which uses lots of battery power. To accommodate this, traditional NiCD and NiMH batteries can be extremely large and heavy, whereas Li-Ion batteries weigh much less and provide the same amount of power. Depending on the type of battery, whether it be NiCD, NiMH, or the new Li-Ion battery, the type of camcorder charger needed will be very different. All these batteries use different technologies and therefore charge using different technologies. Many camcorder charger manufactures have helped to overcome this problem by creating universal chargers that charge all types of batteries in one docking station. Another option is rapid chargers, which charge batteries in a fraction of the time it takes traditional chargers. For convenience, some chargers are also equipped with a battery tester to measure the battery and avoid over charging.

Camcorders use lots of battery power, so it is important to consider how it will be used before purchasing a camcorder battery. Remember to take into account weight and frequency of use to get the most for your money.



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Should you have an attorney for a divorce

Should you have an attorney for a divorce? If you are thinking about a divorce or your spouse has already filed for a divorce, it is a good idea to get an attorney. This is something that you should do to protect yourself. You will have a lot of questions and you will defiantly need to have answers. You need to be made aware of all the possible outcomes and do what you need to in order to protect your future. There is always the option of representing yourself in a divorce proceeding.

However, this is not always the recommendation. If there are serious questions involved like children or assets, it is better to have the assistance of an attorney. The attorney can represent only one of the parities involved. If you are not able to afford an attorney, the judge may seek assistance for you from your spouse. One reason to get an attorney for a divorce proceeding is because there may be spousal support involved. This is called alimony.

Depending on the length of time you were married, the age and health of the parties involved, and the ability for one of the parties to earn income and maintain the marital standard of living, the court may order support paid by one spouse to another. This is different question from child support. Spousal support can be for a limited time period or for an indefinite period depending on the circumstances. It can be reviewed if there is a significant change in the circumstances of either the former spouse. If the spousal support question is waived, then the party giving up the support may not ever come back to ask the court to award it again.

You may also want to have an attorney to protect pensions and retirement accounts. Pensions and retirement are marital property and it can be divided in a divorce. They can be given a present value based on the kind of pension and the parties' rights to receive an income from that pension. Usually the court system is fair in this decision, but an attorney will fight for your rights and make sure that your side of the fight is heard. If you are not happy with the attorney that you have hired, you should defiantly talk to them about it. Explain your case and make them understand why you are not happy with their work. If you cannot work out the situation with your attorney, you do have the right to find another attorney at any point in the game.



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More concerns about milk

Have you heard about the big milk controversy? Outspoken spokesperson for The Vegetarian and Vegan Foundation, Heather Mills McCartney (soon to be x-wife of singer Paul McCartney) is bringing the dangers of modern milk to attention of the press. "As Heather Mills McCartney speaks out about the health problems associated with dairy products, physicians and nutritionists with the Physicians Committee for Responsible Medicine (PCRM) are urging U. K. consumers to try an experiment: Eliminate milk and other dairy products from their diet for three weeks to experience firsthand the health benefits of a dairy-free diet," according to a PR Newswire release. Although I don't agree with a lot of what Heather Mills McCartney believes, I do agree with the the facts. Homogenized pasteurized milk causes many health problems. Despite the fact that the dairy industry, with their money and power, want you to think otherwise.

The problem isn't with milk. Dairy products have been a major part of many cultures’ diets for thousands of years. Many people and races throughout history have lived almost solely on milk and dairy products, and have been extremely healthy for it. But the dairy products we have in our grocery stores now are very different than the dairy products consumed by people in the past. The problem today is how we get our dairy products and how they are processed.

Modern dairy cows are exposed to hormones, antibiotics, and pesticides, and fed a diet of high-protein soy and grain based feed instead of traditional grass feeding methods. And then the milk they produce is homogenized, which alters the organic structure so the cream will blend into the milk. Unfortunately the new smaller fat particles don’t work well in our bodies, and can get into the blood stream. There is a very high correlation between countries that drink homogenized milk and the rise of atherosclerosis. Pasteurizing milk is heating it until it is a dead food with little or no benefit to us. It is robbed of its enzymes and many of its vitamins. Today’s milk is know to cause allergic reactions in many individuals, because of the lack of enzymes needed to process the milk in our bodies.

Enzymes are killed when they are heated to temperatures over 120 degrees F. The modern milk produced now is something highly processed and unnatural. If that isn’t enough, when they make 1% and 2% milk, they add non-fat dried milk to these products to lower the fat percentage. Non-fat dried milk is ultra-processed, which oxidizes the cholesterol. Rancid (oxidized) cholesterol and fats are also what promote heart disease. Dried milk contains a very high nitrite content as well. You will be hearing more and more about the dangers of modern milk. If you want safe healthy milk, try organic, raw milk from grass fed cows. Raw milk still has all its nutrients and enzymes, and many people have found it helpful for allergies, asthma problems and other health conditions. My challenge to you is instead of eliminating milk products for three weeks, switch to organic raw milk products for three weeks. Once you try it, and experience the benefits and taste for yourself, you won't go back to the imitation grocery store stuff! For more information on the benefits and safety of raw milk visit the site at http:// realmilk. com. This article may be freely copied as long as it is not modified and this resource box accompanies the article, together with working hyperlinks.



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Global positioning technology description

The worldwide Global Positioning System (GPS) network was designed by the US Department of Defense, as a way to track one’s exact location anywhere in the world. The GPS network consists of 24 navigation satellites, which orbit the planet at a height of approximately 12,000 miles. These satellites each orbit the earth twice every 24 hours, and they are set up in such a way that they can send signals to any location on the planet, whether it be land or sea, and no matter how remote. The 24 GPS satellites are continuously beaming positioning data, which can be picked up by GPS devices ( http:// gpsdevices. info/ ) on the ground, and used to calculate exact latitude and longitude coordinates.

Depending on the device that is used, this data can be accurate to within a few meters. Some GPS devices also provide advanced features such as dynamic mapping and detailed driving directions. Despite the common misconception that GPS-enabled devices are prohibitively expensive, and only useful in scientific and military operations, many of these useful gadgets are primarily designed with the consumer in mind. For example, GPS handhelds ( http:// gpsdevices. info/gps-handhelds. php ) can be carried around on one’s pocket, and are very useful for a number of functions.

Certain companies, including Nextel GPS ( http:// gpsdevices. info/nextel-gps. php ), have even begun integrating GPS technology with common consumer products such as mobile phones.



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Omaha poker rules tips for learning to play the game

One of the many reasons people love to play poker is the many variations and styles that that has evolved from the game. In any poker room, be it an online poker room or in a brick and mortar casino, you’ll find a myriad of poker games to join. Omaha Poker is a variant on the popular Hold’em poker series. Each player is dealt four cards face down, which are referred to as hole cards. Five cards are also dealt face up on the poker table, which are called community cards.

The players try to build their best hands using two of their hole cards combined with three of the community cards. The player holding the best five card hand is the winner. An Overview of Omaha Play Players who are familiar with Texas Hold’em will feel right at home playing Omaha Poker, as the betting is structured in quite the same fashion. The poker game begins with each player placing their pre deal mandatory blind bets. The dealer deals out four cards face down on the poker table to each player. These are the player’s pocket cards. These are cards number 1, 2, 3 and 4. The first betting round begins, and is usually set at a lower limit. The dealer then turns over three community board cards face up on the table. This part of the game is known as the flop. These are cards number 5, 6 and 7. The second betting round begins now. This second round of betting is also usually set at a lower limit. The dealer now turns over one more community board card face up on the table. This part of the poker game is known as the turn. The turn accounts for card number 8. It’s now time for the third betting round, which is now set at a higher limit. The dealer turns over the final community board card face up on the table. The placing of this card in the game is known as the river. The river accounts for card number 9. Now it’s time for the final round of betting. This betting round has a higher set limit. With all bets now in, it’s time for the showdown. In an Omaha Poker showdown, the players must use two of their pocket cards and three community board cards to make their best five card hand. The player holding the best five card hand is the winner.



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What a complete golf workout program should have

Golf workout program…with the exploding number of so-called golf experts these days it becomes very confusing and it is easy for a golfer to be misled and end up in a program that will hardly have the desired objective of improving their game. In fact the wrong golf workout program can end up making a golfer’s game deteriorate rather than improve. It is therefore very useful to know what constitutes a complete golf workout program A complete golf workout program will tend to have the following attributes; A) Golf specific stretch exercises Stretch exercises are a very important part of any genuine golf workout program. Stretches help improve the golf swing and correct many common mistakes and weaknesses in this area. They sometime help alleviate or even eliminate nagging back problems in some golfers. Many stretch exercises can be done in the comfort of the office or home. B) Golf specific strength training Strength training is also a key area in any good golf workout program. Strength training usually has a dramatic effect on the quality of the game of any golfer. Dumbbells are usually used and the program for building strength for golf is usually very different from a body building program because the idea here is not to build muscles. C) Should be able to focus on certain common player weaknesses A good golf workout program should also be able to focus on certain common weaknesses amongst most amateur golfers with the aim of helping to improve and deal with those weaknesses. This at times may involve the use of certain golf aid equipment. However it should be very clear what particular aspects of the game are being developed by what golfing aids. A complete golf workout program should help any golfer improve their game dramatically and feel much more confident every time they set foot on the course.



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The importance of a good golf bag

Few things are more important to a golfer than a good golf bag. First off, golf bags come in many styles and a wide variety of colors. You can choose a bag for style, features or pick a color to match your mood. Some have legs that fold out when they are placed on the ground and stand upright so the golfer doesn’t have to bend down and pick it up. That’s a nice feature in golf bags, especially if the golfer tends to walk the course, as many do. There is plenty of bending to be done when a golfer is trying to remove an obstacle from around his or her ball, or to get the ball out of the cup, so any way to avoid bending over is more than appreciated. All golf bags have compartments where the golf clubs are to be placed. Each golfer has his or her own way of doing this and putting clubs where he or she wants them. Some golfers, though, are lazy and just stick their clubs in the compartments, grabbing whichever one they want when a particular club is needed. But, some golf bags have tubes to protect the club grips. These are nice to have. With the tubes, a golfer can get his or her clubs out easier.

The clubs are never tangled up, and the grips last a lot longer. Another important factor in choosing a golf bag is the number of pockets it has. Frankly, there’s no such thing as too many pockets in a golf bag. First, one of the pockets will be used to hold the golf bag’s hood. The hood is used to keep the clubs and bag from getting drenched when it rains. Another pocket will be used to keep extra towels (believe it or not, extra towels are important in the summer to keep the sweat off the brow and out of the eyes, along with keeping the hands relatively dry. Then, there is the pocket used for keeping the extra golf tees and possibly the divot tool. Finally, a pocket is needed for the golf balls themselves, and it doesn’t hurt to have a pocket to carry another dozen balls in, just in case. Some courses are so difficult it is easy to lose a lot of balls during 18-holes of play. This makes having an extra box of balls around a good thing, but there has to be somewhere in the golf bag to keep them, which means another pocket. Imagine trying to play golf without a bag. The golfer would be constantly stooping over picking up clubs, tees, balls, towels and the divot tool.

Then he or she would have to walk to the ball, drop all of the clubs and stuff, select a club, hit the ball, and start the process all over again. It would be a major pain in the neck, and would make it nearly impossible to finish playing a round of golf. So, golf bags are an essential part of the game of golf.



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How to rid your home of the nations 1 health menace

With today’s new building procedures, our homes are more dangerous than ever before! Scientific evidence now shows that the air inside our homes is 2-5 times more polluted than the air outside. And because we spend about 90 percent of our time inside, indoor air quality has become one of the top environmental health threats in the country. With today’s new construction practices, buildings are no longer made to breathe. Pollutants trapped inside our home can cause chronic symptoms such as coughing, sneezing, skin rashes and itchy eyes. Some pollutants may have more serious effects, including asthma and cancer. I remember back in the 70’s (when I was just a kid), in an effort to save money on energy, the public utility district was upgrading everyone’s home, at their own expense. My parents took the PUD up on this offer as well.

A contractor came to our home and installed double-pane windows, more insulation (throughout our entire home), insulated all the electrical outlets, and basically did everything possible to turn our home into an air tight cocoon. While this seemed like a good idea at the time, buildings are now made so air tight that the pollutants produced in the building accumulate and have no way to escape. Here it is years later, and a major health concern has evolved. Black mold! Mold has now become a nationwide epidemic. It’s now responsible for destroying the lives of thousands of unsuspecting victims. And until we find out how to control this menace, the situation is only going to get worse. If you want to find out how to wipe out the black mold threat in your home, be sure to sign up for this upcoming no-charge, consumer awareness teleseminar. It’s called…

"The Unadulterated Truth About Black Mold: What You Don’t Know Is Destroying Your Home And Your Health" Here are just 4 of the strategies that will be revealed on the call... 1. The 5 tell-tale danger signs of black mold... any one of these puts you, your family, and your home at risk 2. How to find out if black mold is the cause of your health problems -- without a visit to the doctor's office 3. The 3-step method to locating mold... that anyone can do, without spending a fortune to hire a professional 4. Why you NEVER want to tell your insurance agent about a water damage or mold problem in your home... until you take this step first You can get all the details and register for this no-charge consumer awareness service at http:// getmoldsolutions. com/black_mold_teleconference. html



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Get that flat stomach look get rid of big tummy pot belly and beer belly fast

How to get that flat stomach look and get rid of big tummy, pot belly and beer belly fast? By exercising your Transversus Abdominus Muscle. This is the muscle in your abdomen that holds your stomach in giving you the flat belly look. This muscle acts like a corset around your tummy by holding your tummy in and if the muscle is weak, your belly will be distended more easily making your tummy looking much bigger than it should just like having a beer belly. This is one of the reasons why people have pot belly or beer belly besides simply blaming it on tummy fat. This is the muscle that can help you get that flat stomach look. If you want to get that flat stomach look, you must strengthen this muscle. Just to have a feel of how this muscle work, try blowing out all the air in your lungs and pull your tummy in. There, you have just used your transversus abdominus muscle to execute that movement. Start the exercise by exhaling all the air from your lungs hard. At the same time, pull in your tummy as tight as you can and at the same time visualizing your belly button is about to touch your spine.

Do breathe lightly in that position and hold the posture for about 45 seconds. Then repeat the exercise for a few more sets. You will then be teaching your abs muscle to continuously hold your tummy in giving you flat stomach look. The beauty of this exercise is that you carry it out everywhere and anywhere without ever going to the gym. It is so discreet that people will not even notice you exercising even when you are waiting for the office lift or at your desk at work.

A more effective version of this exercise would require you to be on all fours in a crawling position. Then execute the exercise as described above except that this time, you are on your hands and feet. Do both exercises every other day and when combined with a fat loss routine of a proper diet, weight training and cardio exercises, you will get that flat stomach look in no time along with that glorious six pack abs.



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Easy access showers for the elderly

Easy Access Showers. Easy access showers are specifically designed to aids those with mobility problems. Being able to bath yourself is one on the most important factors in retaining your independence and with a shower specifically designed to aid you in this your independence can be regained. An easy access shower can usually take two forms. Low/level access shower trays. These can be in various shapes and sizes, but basically consist of a shower cubical which has either a low level access tray (small step over) or level shower trays (no step over). These trays can be specially designed to fill the space which your traditional bath sat in. These showers can be fitted with doors (single or double) which swing open to aid access. Wheelchair friendly showers can also be purchased. To prevent water from escaping from the shower full height doors can be fitted or alternatively half height doors with shower curtains can also be fitted.

Half height doors will allow a helper to aid in washing by being able to lean over. A non slip tray can be fitted to improve safety. A seat can also be fitted for the user to us when showering. Wet room or wet floor shower areas. These systems are more modern, and consist of either the entire bathroom or the shower area being fitted with waterproof flooring with graduated drainage. These systems offer level access and are ideal for wheelchair users. Shower screens can be fitted to suit the users’ size. Again the wet room can be fitted with non slip flooring to increase safety. A seat can also be fitted for the user to us once in the shower



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How to select a shower enclosure

These days you will discover a whole lot of options when it comes to shower enclosures which include the most hi-tech of modern-day design, that will make you shower enclosure a decoration of your bathroom. It would be a place where you can unwind after a hard days work and stimulate both your mind and your body. Modular Shower Enclosures If you have still not decided about your choice of shower enclosure, you can think about selecting modular shower enclosures that can be easily fit inside a bathroom that is pressed for size. More significantly, such modular systems are great for not only dinky city apartments but also for sprawling bathrooms in big houses. A lot of people looking to install shower enclosures in their homes are going for modular shower enclosures as they are affordable and available in a host of shapes, sizes, and designs. General Tips for Checking Shower Enclosures Shower enclosures are generally available in various shapes like oblong, rectangle, quadrant etc. The shape that you select must not take up a whole lot of space in the bathroom, in the sense that it must not look cramped. A shower enclosure must offer you comfortable space while showering and must also enable you to get a sense of space for your bathroom. A whole lot of preparatory work can be saved if the position of your shower enclosure is the same as your old shower. Otherwise it would mean, making changes to your bathroom as you will need to install new hot and cold water pipes as well as waste pipes. The Testing of Shower Enclosures Bad quality shower enclosures will be made up of materials that will corrode over time. Only buy those shower enclosures which have gone through a stringent process of anti-corrosion salt tests. Not many people think about door rollers when buying shower enclosures, but high quality door rollers are essential for the extended longevity of shower enclosures. The shower enclosure that you purchase must go through a door runner test. Also check your shower enclosure for water leakage. The best shower enclosures have a good seal with magnetic strips that enable the water be kept inside the shower. Also, make sure that the shower enclosure that you select has good door handles and fixings that are made up of high quality metal or any other material. Tempered Glass Shower Enclosures If you are going for shower enclosures made up of tempered glass then you must see to it that the glass is as thick as possible. The thicker the glass, the better the shower enclosure! Moreover, glass is liable to chip and thus cause injury. Hence it is of paramount importance that the glass shower enclosure has an edge protection. Glass enclosures with aluminum framing can be a good option. Tempered safety glass must meet the standards of safety that are lain down by various organizations. A 120mm by 120mm glass piece should break into 45 pieces minimum, anything less than that would mean bigger shards of glass which will cause serious injuries. Buying a shower enclosure is easy and the options in this regard are many and varied. All you need to do is select a shower enclosure that confirms to your requirements and the requirements of your bathroom. If your shower enclosure is cramped, then you might not enjoy it as much. So keep the height, width, safety requirements in mind before making your choice. Also, research the market thoroughly before making your choices. Know which are the better options and also see if you can get a discount on them.



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