Researching a car thats right for you

Researching your new vehicle is a daunting task in today's world. Once you have narrowed your next vehicle down to 2 or 3 choices it is time to research. Take out a sheet of paper for each vehicle and write down pros and cons for each one. Also on each sheet of paper list the attributes which are most important to you. This list might include: MPG - if you put a lot of miles on your car this factor could make a big dent in your wallet if you pick the wrong car. Engine power - HP is a big factor for many people out there. Price - nothing needs to be said about this one. Interior space Repair costs - consider the average costs to repair a fender-bender. Insurance costs - this is often overlooked by buyers and can catch you by surprise. Standard options. Anything else, which is a factor to you. The idea is to custom tailor your list to meet your needs. If you don't care about engine power then leave it off your list. Now how do you get the information which is on your list? Here is a list of excellent resources to use in your search. Offline: Consumer Reports Magazine Auto Week magazine Your local newspaper's auto section Local dealers Online: Consumer Reports - requires a subscription just like the magazine. Edmunds. com Kelly Blue Book NADA guide book Car. com After your research is done you should have a clear picture of which car is right for you. What do you say? Clear as mud? Well take a step back and if you have 2 vehicles which are comparable you will then have to resort to one of the following. Go with your gut feeling. You know the one which says get the Porsche not the Yugo. Ask your wife, husband or SO. (you might want to let them in on the decision a little earlier than this if they will be driving the car too.) Flip a coin. Ask your god for some divine intervention? Good luck!



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The early history of british airways

In 1919, as Europe emerged from the First World War, travel moved into the forefront of people’s minds. Buoyed up on the new technologies of the day, the forerunner of BA, Aircraft Transport and Travel (AT&T), launched the world's first daily international scheduled air service. It offered a service from London to Paris and ushered in the modern age of air travel. Within 5 years there were already a handful of start-up airlines offering their services in Britain. In March 1924, the four best known of these: Handley Page, Instone, AT&T, and British Air Marine Navigation merged into one larger company called Imperial Airways and offered flights around the British Empire. As Imperial Airways grew in size, it became a forerunner of a modern airline, offering flights to countries all across the world including Canada and Australia, and competed effectively with the Airships that dominated the era. In 1935, a rival arrived on the scene. British Airways Ltd was formed from a number of small privately owned companies and quickly developed into a company of similar size. By 1939, just before the Second World War broke out, the British Government nationalised the two airlines and created a new, government owned agency known as the British Overseas Airways Corporation or BOAC for short. The final stage in these early decades of BA came in 1949, when BOAC was separated into two separate entities: British European Airways, which carried out short haul flights into Europe, and BOAC, which continued to serve the rest of the world. These two siblings served the world at the beginning of the jet age in the 1950s, and became iconic leaders of British innovation. By the 1970s, fuel costs and industrial concerns over economy saw the government of the day decide that the two companies had become bloated and inefficient and by 1974, after a 4 year process, the tow companies came together as one: British Airways, just in time for the birth of the supersonic age with the Concorde in 1976.



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Credit in the modern world

Credit is in every avenue of the modern day world, you can not make a major purchase without the use of credit this includes a auto or a home purchases. But, many consumers are unaware of how their credit stands, and are usually surprised when applying for a credit card and they are rejected. This is commonly due to negative entries on their credit report, or out-of-date information that does not match the information supplied on the credit application. Because of this the credit report has become the mainstay of judging a consumers ability to repay a debt, and the credit report is based on the past payment history of the consumer. Credit is not a new financial purchasing method, it has been around for a long time, but it wasn’t until the early forties that it became a means of payment available to the everyday consumer. With the advent of the bankcard, a card that represented the issuing institution that was distributed by major banks is the reason credit became a major business; these bankcards later became known as credit cards.

The banks would issue these cards to their clients as an alternative to carrying large amounts of cash, and it was commonly accepted only by merchants that used the same bank as the client that the card was issued to. One of the most common misconceptions is that Visa and MasterCard are banking institutions, these companies are not banks they simply saw an opportunity to use the services banks provided to earn an income. They took the bankcard principle and expanded to include merchants that were not affiliated with the bank and convinced them to accept their card for a discount of the purchase price, and they would take the risk of collecting the debt. By putting their name and reputation on the line they built a business taking the reporting agencies. Now that credit cards are a major business, the services of the consumer reporting agency, otherwise known as the company that maintains the credit files, is in great demand. The reason for this is that credit card companies use the consumer reporting agency to establish a potential clients’ creditworthiness, and because of this other lending institutions use their services to rate your ability to repay. This makes the credit file or report a very important aspect of establishing or building credit, but a bad credit history is not the end of re-establishing credit. There are laws that have been established to protect the consumer against their previous bad payment history being reported indefinitely on their credit file. These laws also give the consumer the ability to update their credit file and dispute inaccurate information that may be contained on the credit file. This gives the consumer the right to re-establish their credit, but dealing with consumer reporting agencies is not as easy as it sounds, the good news is that there are companies that specialize in repairing damaged credit like Millennium Credit Service and their website is located at http:// millennium-credit. com. These companies know the laws that protect the consumer, and how to use them to help their clients re-establish good credit. So maintaining an up-to-date and accurate credit file is relatively easier with the use of these services, but a lot of time is still required to clean up past credit problems. The good news is that once your credit is clean the consumer is more likely to keep it clean, and use it wisely in a world that is based on credit, because they know the need for credit and understand what bad credit can mean.



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Mistakes to avoid when applying for a loan

Whether it's a business loan or a personal loan, there are several common loan application mistakes that many businesses and individuals often make when applying for a loan. Avoiding loan application mistakes is your most valuable tool in being approved on a loan. The following common loan application mistakes can interfere with loan approval. 1. Being unaware of your credit rating. Before even attempting to get a loan, know where you stand. Request copies of your credit reports from Experian, Equifax, and Transunion, which are the three major credit reporting agencies. Your reports will show whether or not you've made your payments on time, or if you've defaulted on a loan, declared bankruptcy, or had any other financial problems. Additionally, it will show positive items, such as when you've paid your bills one time, or when you've paid a loan in full. Consistently paying your bills as scheduled shows that you're worthy of a loan, and is very attractive to a lender. If your credit has undesirable listings, be aware of them, and be prepared to explain them to the lender. 2. Not understanding the loan terms before signing. Avoid the most common loan application mistake, and make sure that you read and fully understand everything involved with the loan before signing. Not only should you take the time to read the fine print in its entirety, but you should also ask questions about anything and everything that you don't fully understand. This is a common loan mistake because individuals are often so anxious to get the loan that they fail to pay attention to the details. Don't assume that the terms on this loan are the same as for "any other loan." Know what you are signing before you sign. 3. Continuously searching for a lower interest rate. Interest rates change often. If you feel you've found a great rate, lock in before the rate increases to avoid this loan application mistake. People quite often make the loan application mistake of getting greedy, opting to see if rates will drop even farther before locking in on that rate. This loan application mistake of continuing to search for an even lower rate often works against you, rather than in your favor, especially if you have to wait longer to obtain the loan that you perhaps need immediately, or worse, if the interest rates actually increase rather than drop. 4. Not explaining the details for needing the loan. Yet another common loan application mistake of not fully explaining how the loan will be used. For example, if the loan is to be used for business purposes, explain the details of how you will use the money. Lenders want to see that you know exactly how you will use the money, and how this loan will meet your needs. 5. Make major loan application changes. Show the potential lender that you are stable and can make solid decisions. Don't apply for a business loan, for instance, and submit a loan proposal, only to call the lender a while later and tell them that you've reconsidered and plan on using the money differently than stated in your paperwork. Make your decisions prior to this, and don't make this loan application mistake of being unsure when you apply. Submit your proposal only in the event that you are 100 percent sure of your actions and will not change your mind. 6. Apply only to the most convenient lender. While heading to the bank in which you do business with is an obvious reaction, avoid the loan application mistake of not shopping around with other lenders. Check into obtaining a loan with a credit union, and if you're searching for a small business loan, consider investigating programs offered through the Small Business Administration. This loan application mistake is also easily corrected by making just a few phone calls to lenders' check rates and offers. 7. Not having current finances in order. Whether you're in need of a personal loan or a business loan, don't apply for a loan without proper financial documentation for the lender. This loan application mistake can either delay the loan process, or cause the lender to immediately turn you away. 8. Failing to have equity. Especially for a business loan or a home loan, having some equity, such as a down payment, can significantly increase your changes of securing a loan. While this loan application mistake is sometimes unavoidable, be aware that lenders are not as enthusiastic to offer loans to those without equity, especially loans for large amounts or for individuals with less than desirable credit scores. 9. Having no collateral. As with equity, no collateral gives no assurance to the lender that the loan will be repaid. Having collateral increase your chances of having the loan approved. Collateral can come in many forms such as automobiles, savings accounts, home equity, certificates of deposit, (CDs) and anything else that the lender considers to have value. 10. Not having a business plan if the loan is for business. Not having a business plan in place, or employing a poor business plan, is an inexcusable loan application mistake, yet can be easily corrected. If you're starting a business, or wish to obtain funding to expand on an existing business, you need to demonstrate to the lender how the business will operate and make money. A business plan is essential for a lender to see your goals and see how you plan to reach those goals. 11. Not avoiding hidden loan costs. Avoid signing a loan that requires hidden costs. This loan application mistake might include fine print stating that annual fees, bank charges, closing costs, commissions, and balloon payments are required. Be informed, and don't sign anything without being completely sure what it means.



Online Mistakes to avoid when applying for a loan

Helping lift the home loans haze

So...you're about to buy a property and need a home loan... Where do you begin? Whether you are a first home buyer, have bought and sold several times, are re-financing, seeking an equity loan, or even a reverse motgage - there are a lot of thing to consider... Do you choose fixed rate, variable rate, adjustable rate - or interest only. Rates, fees, costs - can all vary. Let's have a look at the differences: Fixed Interest Rate - usually fixed for the life of the home loan, say 15-30 years, regardless of increases or decreases in market rates. This type of home loan is ideal for those on a budget - as you always know what your repayments are. Adjustable (Variable) Interest Rate - this type of home loan allows the interest rate to be adjusted according to the current market rates - usually adjusted at the end of pre-determined periods. These tend to have lower monthly payments and are more flexible than fixed. Balloon Home Loan - this is fixed amount payments for a period of time and then one large payment (balloon) towards the end of the term. Graduated Payment Home Loan - this is where the payments start off small and gradually increase. Interest Only - this type of home loan is usually only for a specified time - where interest only is paid - so the principal is not reducing. Usually only used for a short time, or to finance a second property. Second Mortgage - this is based on the amount of equity you have in your home. Usually used for home renovation, to consolidate debt or to purchase a second property. Usually set payments at a fixed interest rate. Be aware that interest rates are usually higher. Home Equity Home Loan - this is borrowing against the equity in your home. It is often used to finance home renovations. Interest rates can vary, as can the fees and term - it is a very competitive market - so do your homework. This loan can have tax advantages - however, your home is up as collateral. Reverse Mortgage - also known as 'equity release'. This is for seniors to convert the equity in their home to cash. Repayments are not required until they permanently move, sell, die or reach the end on the loan term.



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Mcse ccna choosing the right computer certification for your career

When you’re choosing which computer certification to pursue next, you should also be formulating a plan for your career. Your time is precious, and you should never choose to pursue a certification because it’s “hot”. There are some hard questions you should ask yourself before deciding to pursue the CCNA, CCNP, CCVP, CCSP, CCIE, MSCE, or any of the many other vendor certifications that are out there. Why do I want this certification? This is the biggest and most important question you should answer before you spend a dime on books or classes. If your primary goal in earning a certification is the money you feel companies will throw at you after you get it, make sure to do your research first. Basing your certification pursuits on a salary survey can lead to some serious frustration on your part.

Don’t get me wrong, I like money. J But those surveys can be very misleading. There’s really no such thing as an “average” salary in IT. Job responsibilities and requirements vary greatly from company to company, to the point where a “network admin” may make $25K at one job and $75K at another. You can see where such variations in pay can lead to some misleading statistics. (And if you’re thinking of attending a tech school whose main pitch is “look at all the money this cert can get you”, ask a lot of questions about how they arrived at this amount.) A positive answer to this question works wonders. If you have a plan for your career, you’ll know how this certification can fit into your plans. If you don’t know what you’re going to do with it when you get it, or worse, don’t have a plan for your future, you may be wasting your time. Ask yourself the hard questions now – you won’t regret it. How does the vendor protect my investment of time and money? Let’s face it: earning your certification costs time and money. You’ve got to set time aside to study, you’ll need books, perhaps a class, etc. If you’re spending that money and time, it should be to make yourself more valuable in the workplace. The vendor should also have a vested interest in keeping your certification valuable. Take Cisco, for instance. I was at a bit of a career crossroads a few years ago. Should I pursue my masters degree, or pursue the CCIE? I took a strong look at both choices, and I knew that Cisco works endlessly and tirelessly to protect the value of their certifications. While other major vendors have made strides to do so, I felt Cisco did the best job of protecting the value of their certifications. That’s why I felt secure in the investment of my finances and time into a major Cisco certification, and I’ve never made a better decision. Before making a major investment into a computer certification, consider the steps that a vendor does or does not make to protect your investment. Computer certifications have helped me tremendously in building my IT career. By asking the right questions, and taking a hard look at your motives and plans before pursuing a given certification, they can do the same for you. Chris Bryant CCIE #12933



Online Mcse ccna choosing the right computer certification for your career

Tips to use free myspace layouts

While there are millions of users on MySpace, they are also faced with the dilemma about choosing good free MySpace layouts. This might include the theme, the colors and even the graphics. Since this feature is offered for free on many sites, people flock to such sites to pick them. As there are millions of people hunting for good layouts, there are also many designers pumping in new designs every day. So basically the Internet is flooded with free MySpace layouts, and how they can be picked and used to the best limit is everyone’s question. Choosing a good site to pick the right layout is important, as there could be spam, and various other problems. If you are a new user with the layouts, you should ask someone for suggestions, instead of taking them from sites that could harm the profile. Next the type of free MySpace layouts must be taken into consideration. This is because there has to be some kind of relation with your interests and the profile nature. Though it is not compulsory, this will go a long way in talking about the interests of the members. This can then be recognized immediately by those who are reading the profile, and they will get a good impression about the profile. For example if the member’s profession is art, then the free MySpace layouts used can be art related. This will of course make the profile much better with the feel and look. It might look funny if you posted some cartoons on such a profile. So most of the time, members should stick to matching the layouts with the content of the profile. The free MySpace layouts should also be chosen according to the graphics that are used in them. If you are not happy with too many graphics, then they can be avoided. They can be used in the right situation however, and the choice of the layout should be fit. Many layouts may be the scroll type, so that also has to be considered, but in any which way the variety is much better than the default settings. Some other things to be kept in mind, is the creation of the free MySpace layouts. If users are not happy with what they find, they can get creative and create their own layouts. For this, though one need not be a technical wizard, he must understand how to use codes to create the right layouts. This will also be a very good idea for free layouts, as this will allow a user to create anything for his benefit. After all MySpace is all about creativity and showcasing one’s talent, so you can also mention that you created the entire layout by yourself. This will be exciting for other users who do not know how to do that.



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Becoming a dvd repair expert online

Many conventional colleges and universities are now offering online DVD repair courses, which are the exact same as those taught on a traditional college campus, to distance learners. Online education is generally taught through the use of several different methods, including online satellite feeds, correspondence or online lessons. This technique permits the student to obtain a DVD repair degree without ever having to step inside of a classroom. An online education, providing that it is granted by a regionally accredited college or university, is broadly accepted as worthy training for any job in the direct field of study. Online education is approachable in many ways, but students often neglect the fact that it is much more economical than a traditional campus degree. Why? When factoring in the costs associated with student housing & meals, which often begins at a total of $6,000 or more every year, the savings are evident.

With an online DVD repair education, students pay only for the courses that they are taking and they often choose to do so on a per credit hour basis rather than paying the full tuition each year. The type of distance education degree that everyone should abstain from is what is known as a ‘diploma mill.’ In exchange for a specified sum of money, which is often $1,000.00 or more, they will issue a life experience degree with little or no investigation into the applicant’s background. These businesses often feature a very professionally designed website and appear to be very much legitimate. In fact, they even guarantee potential students that they are issuing legal degrees. Upon further examination of these so-called colleges, students will learn that they can even purchase a transcript with any letter grade that they choose.

But, what is the basis for the grade? No classes were ever required, no tests taken and no valid grades were issued. Individuals who are interested in earning a legitimate degree should be very wary of any college or institution that offers to provide a life experience degree based only on the word of applicant and does little, or no, investigation into the student’s background. The truth is that the only actual way to receive life experience credit is to take the CLEP test, which is given periodically at local colleges and universities.

In addition, a number of universities are willing to accept portfolio assessments in exchange for possible life experience credit. These are legitimate ways to earn life experience, or knowledge-based, DVD repair college credit.



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Credit cards and teens a good or a bad idea

Teens were described by one parent as “hormones in basketball shoes”. Indeed, teens can be wild and unpredictable. A popular old Beach Boys tune describes how a teenager skipped school to drive fast in her father’s T-Bird convertible car, and many parents know from personal experience that teens often “do their own thing” with or without parental permission. So when it comes to empowering them with a credit card, the controversy rages. Some say it is a terrible idea, because kids who lack financial smarts and fiscal discipline will abuse the credit card and create havoc with their parents’ good credit and household budget. Others support the teen point of view, however, and point to the fact that teens who are given responsibility at an early age often grow up to be more responsible adults. The jury is still out on which point of view is correct, and many of us think that there is truth in both of those viewpoints.

Yes, kids tend to be rather irresponsible as teenagers, especially with money. But on the other hand, those who learn to handle money wisely do evolve into more budget-minded grown-ups. The good news is that no matter which side you agree with, the credit card companies themselves have devised some awesome ways to make credit cards work just fine for teens. For example, some credit card companies allow you to give your child his or her own credit card, and to put whatever amount of money on the card you decide is appropriate. For instance, you might send your kid on a long weekend with friends, and provide a credit card with a spending limit of $40, to help your child in case of an emergency. Once the $40 is spent, the card cannot be used. This kind of spending limit option gives you good control over your teen’s credit card budget and spending. Other features available are designed to help you monitor your teen’s credit card use. For instance, some cards will automatically email you and alert you if your teen has used the card to purchase something in an adult establishment such as a bar or nightclub.

If you have teenagers and want to give them the security and convenience of a credit card without increased liability or potential for problems, visit your bank or call your credit card company. You may be pleasantly surprised at some of the cool features that card companies offer to help you support your teen without supporting misbehavior. In fact, judging from all the smart features now marketed by credit card companies, it would seem that the people who run those credit card companies also have teenagers.



Online Credit cards and teens a good or a bad idea

Christmas tree selection guide

Before you select the perfect Christmas tree, consider a little planning to make room for your special guest. Choose the best area in your room for the tree, which would include a spot that is close to an electrical outlet. When you plug in your lights, you won’t want a cord running along your floor, which could cause someone to trip and fall. There are so many things to think about when choosing a tree to celebrate your holidays. Do I want real or artificial? Should I buy pre-lit or plain?

A few knowledgeable tips will guide you in the right direction. Christmas Tree Tip #1: Artificial or Real The first step is to decide whether you want a real or artificial tree. An artificial tree is beneficial to anyone who has allergies, but also if you just want to know that your tree will last for years. Artificial trees are nice because they do not have to be thrown out every year and they are always the same size and a perfect fit. On the other hand, there’s nothing like the smell of a real Christmas tree. With real trees, there is a greater risk of fire and also the need to keep them hydrated regularly. A real Christmas tree requires a lot of maintenance and, if you’re not up to it, an artificial may be the way to go. Christmas Tree Tip #2: Will It Fit? When selecting the perfect Christmas tree, choose one that will fit best in your home. Measure the spot for your tree before you go out shopping and keep those numbers close at hand. After you select an area in your home, measure the distance from your floor to the roof, along with the width of the space. Take a tape measure when you go to pick out your tree and make sure it will fit in the spot you chose. Christmas Tree Tip #3: Is It Healthy? If you’re looking for a live tree, check the limbs to make sure they are nice and green. Also, look for any brown needles, which may be a sign of a tree that has not been freshly cut. A tree that is too dry could be a fire hazard, so watch out for any signs of needle loss or other symptoms of a damaged tree. You will want to choose one that looks healthy and full with beautiful branches, which will look festive when decorated. If you’re planning to load the tree onto your car, place a protective sheet down on the top before adding the tree. This will protect your car from scratches, or sap, on the way home. Make sure that you choose a strong rope to secure the tree to your car. Christmas Tree Tip #4: Picking the Right Color If you are buying a real tree, they only come in one color. But, if you are buying an artificial tree, you have the alternate option of white. While white Christmas trees are not as traditional as the green, there is something to be said for their beauty. Consider a white tree with blue lights, blue ornaments and white garland. A white Christmas tree is classic and stunning, especially with the right combination of decorations. Christmas Tree Tip #5: Prelit or Plain? Another advantage to artificial trees is that they are available in pre-lit designs. This saves decorating time and ensures that the lights are always perfectly spaced. Additionally, if you don’t feel up to wrapping the lights around the tree yourself, a pre-lit tree allows you to enjoy the beauty of Christmas without the work of decorating.



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Apple i pods why are they so popular

These days while your just walking around school, work, the mall, or just about anywhere you’ll see many people listening to their Apple I-Pods. You might see some with cool accessories such as portable speakers, cool looking cases, voice recorders, FM transmitters, remotes and much more. Lets face it the Apple I-Pod has become the most popular mp3 player around and it doesn’t seem like it will loose that #1 spot anytime soon with all their new little inventions. So what makes the Apple I-Pod so popular? Some may say the design is what makes it popular and makes them purchase an I-Pod and some may say the fun accessories that come with it. Also a few people may have bought it just because everyone has one and they just want to fit in. They’re many reasons why people buy I-Pods; you will just have to find yours. Apple I-Pods started out just playing songs. Then moved on to having photos, then pod casts and now it even plays videos! I-Pod MP3 players do just about everything and more.

Not only are they good for many things, they are now also very thin and light. They can fit in your pocket without you even feeling it in there and still have room for just about everything else. With your Apple I-Pod you can watch video pod casts, music videos and your favorite TV shows. You can browse your old memories with the photo slideshows, complete with music. If you love reading you may also read books with audio books it has. But of course most of you already know how good of an mp3 player I-Pod’s are and probably already have one. In this case you must get some cool accessories for your Apple I-Pod. Accessories for your I-Pod can be a great extra feature to everything the great MP3 player has to offer. Impress your friends with the new portable speakers you get for your I-Pod. With portable speakers you can leave your Apple I-Pod in your pocket while you’re taking a walk and have the speakers amplify all your songs for you. If you are not near your I-Pod while it’s playing with the speakers you may also use a remote to change a song or pick another song with simply a click of a button. You may also want to buy a voice recorder for your MP3 player to record memorable moments. If you are a musician you may also use the voice recorder to record songs you play or sing. If you jog daily for a good exercise and would like to listen to your I-Pod you can also get a sports sleeve for it. Apple I-Pods have just about every accessory it needs out there and now it’s your job to find some and for great prices. If you are interested in buying some accessories for your I-Pod you should first try browsing around http:// SplayTech. com



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How to stop your snoring 3

So…Just What the Heck is Snoring, Anyway? Technically, snoring is defined as any resonant noise from the respiratory tract that emerges during sleep. Biologically, snoring refers to a vibration in the airway connecting the nose and the mouth; a vibration that can emerge through the mouth, the nose, or (as some non-snorers are painfully aware), it can emerge through both! As you can sense, the more narrow the airway, generally speaking, the more intense the vibration; and ultimately, the louder the snore. You may also be wondering why snoring only seems to emerge at night; after all, people literally use their airway every moment of their life; so why is snoring a nocturnal dilemma? The answer to this is found in looking at the tissues within the airway. This tissue is very soft, and at night becomes relaxed; its similar to how some muscles, like biceps, become relaxed at night since the body does not require them. As the throat (and its subsequent tissue) relaxes during sleep, the wind tunnel/airway becomes narrower and hence, snoring occurs. Why Do Some People Snore Louder than Others? This, too, is the reason why some people snore louder than others; and why the actual tone and pitch of one snorer may be rather different than another.

The actual snoring sound that emerges is dependant upon the force of wind that is being pushed through the (narrowed) airway. As you can envision, the more potent the force of wind (i. e. the faster the speed of the wind), the louder the snoring. This is also why even babies can snore; but its often not considered snoring in the conventional sense, because an infants force of wind through their wind tunnel is so mild, that it can easily be ignored (though this can lead to complications; infant snoring can often be a symptom for a breathing and/or respiration problem, including allergy). However, while snoring affects people of both genders and of all ages, it typically does afflict more men than women. There are a few reasons for this. Snoring Tends to Favor Men Overall, mens necks tend to be larger than womens necks; and thus there may be more fleshy tissue in there just waiting to combine with air flow and cause snoring. Another reason is that women produce the hormone called Progesterone, which is considered by some medical experts to be an aid in reducing or preventing snoring. In fact, there are some anti-snoring treatments that involve Progesterone therapy for snoring men. Factors that Increase and/or Lead to Snoring There are several health and lifestyle factors that contribute to snoring; and this is true for both men and women, since snoring is a condition that does affect both genders (though surveys suggest that men snorers outnumber women snorers by a ratio of 2:1). Some of the major health and lifestyle factors that can contribute to snoring include: * Allergies, which can clog the airway and trachea * Allergy medications, which can dry the nasal cavities * Cold and Flu, which can similarly clog the airway (this is why some people experience snoring only when theyre suffering a cold or flu) * Thickened tissues in the nasal passages, which can sometimes result from some surgeries unrelated to snoring * Overuse of nasal sprays which irritate the nasal passageway * Enlarged adenoids and/or tonsils * Goiter (swelling of the an ineffective thyroid gland in the neck) * A disproportionately large tongue that blocks airflow * Ineffective regulation and neural control of mucus membranes * Obesity and excess weight (leading to an enlarged neck and excess soft tissue in the trachea)* * Excess gut/belly (relatively decreasing the size of the lungs)* * Drinking alcohol**, which: o sedates the throat muscles and causes them to collapse o dilates blood vessels which swells up throat tissue * Cigarette smoking, which inflames the upper airway * The normal aging process, which can simply lead to a loss of muscle tone in the neck and thus snoring * Since relatively more men tend to experience an excess gut, this is one reason why more men tend to experience snoring than women. ** Any medication (prescribed, over the counter, or illicit) that leads to excessive relaxation can lead to snoring. So while weve looked at what snoring is, and what (rather common) factors and variables lead to/increase snoring, there still remains a very important element to focus upon: just how devastating is snoring? I answer this rather ominous question in my next article.



Online How to stop your snoring 3

How cholesterol affects you

We have heard many times from dieticians and doctors that lowering cholesterol is extremely important. Cholesterol is a substance that is waxy and fatty like. This is produced by the liver. The interesting fact is that cholesterol has a purpose and is central to your overall body function and health. Every cell in the body has cholesterol forming in it; at appropriate levels it plays a life support role in many functions of the body. When at the correct levels it actually repairs cells and is involved in the production of hormones such as estrogen and testosterone. Cholesterol also produces bile acids which aid in the digestion of fat. The problem arises when there is too much cholesterol in the body. When there is too much cholesterol in the body it can lead to clogged arteries. The consequence of this is heart disease and stroke.

How does this affect you? Bottom line cholesterol clogged arteries lead to heart attacks and stroke. So what foods lead to high cholesterol? The common foods are dairy products such as eggs, and along with that is meat. The foods that do not contain cholesterol are fruits vegetables and grains. With this kind of a diet you can maintain good health resulting in low cholesterol. Cholesterol needs to be managed. Like anything else, introduce balance in your diet. Learn about foods. Find out what you like and develop a menu from this.

Do this in consultation with a dietician or physician. Visit your physician regularly. Remember you cannot turn the clock back. Live and learn to be healthy otherwise the consequences could be deadly.



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How do i lower cholesterol naturally

Not everyone is conscious about how and what they eat. Because of this, many people suffer from degenerative diseases, which are caused by bad lifestyle choices. Too much fat in food can cause the body’s cholesterol levels to rise. High cholesterol is the primary reason for heart diseases, being overweight and high blood pressure etc. Considering how serious the damage that high cholesterol can be to your health, it has become important that people be mindful of what they can or cannot eat in order to maintain a lower cholesterol level in accordance with what the human body is required to have. What is cholesterol? Cholesterol is defined as a wax-like matter that is derived from the liver. Having cholesterol in the body is important. Usually, our cholesterol levels are related to the food we eat. Many of the foods we eat contain some saturated fats that influence cholesterol levels. An increase of the body’s normal cholesterol level can be detrimental to health.

That’s why more often than not people with high percentages of cholesterol are advised to practice a diet that can help them lower their cholesterol levels. Lower cholesterol plays a key role in healthful living. An excess of cholesterol in the blood can cause the arteries to clot. And this clotting of the arteries may lead to a disease known as atherosclerosis. If this continues, the blood vessel becomes diminutive to the point that it could affect the flow of the blood through the veins, thereby resulting in heart attack or stroke.

Furthermore, greater damage can be experienced if you have other ailments like obesity, hypertensions, and diabetes. Many alternatives for reducing high cholesterol incidents are being developed. However, there are natural approaches that can be adopted by everyone. To lower cholesterol the natural way, you are likely to be advised to follow a sensible diet and exercise scheme. A sensible diet means adhering to a low cholesterol diet.

This would involve eating foods that are rich in vitamins and minerals. Based on medical studies foods like avocados, garlic and olive oil can help reduce cholesterol. Fiber-rich foods are also proven to reduce the risk for high cholesterol. Stay away from fried foods; grilling your food is better for your health. Keeping fit is the simplest therapy that everyone can do. Other natural options that can prevent excessive cholesterol is steering clear of cigarette smoking and drinking.

Natural ways to reduce cholesterol can bring significant changes to your health – changes that are vital to living a hearty and healthy life. If you suffer with high cholesterol, you should consult your primary care physician prior to making any changes in your diet or lifestyle.



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Panic attacks effective ways to cope

Jill is a 21 y/o college student who used to do well until about a few months ago when she started to experience “weird” attacks almost daily. She described her experience as “horrible.” When she has the attack, she feels that she’s about to die or develop a stroke. One day while she was in a mall, she suddenly developed an “overwhelming” sensation all over her body. She was sweaty and tremulous and felt that her heart was pumping so fast. Within a few seconds, she also suffered from chest pain and shortness of breath. This episode lasted for about 10 minutes but she felt that this was her worst ten minutes of her life. Overwhelmed by her experience, she has stayed away from malls and has avoided being in a crowd of people. Because of the frequency of the attacks, Jill can’t anymore function normally.

She is afraid to leave the house and go to work. Jill’s experience is typical of someone with Panic Disorder. A person with panic disorder develops anxiety attacks associated with the thought that he or she would die or develop a stroke or heart attack. Physical changes such as fast heart beat, shortness of breath, fainting episodes, sweating and tremulousness are some of the accompanying symptoms. A typical episode usually comes “out of the blue” and not precipitated by any triggers.

It can therefore happen any time and anywhere. An attack can last for a few to several minutes. One episode can make a person feel scared of having another one. In fact, a lot of people feel distressed anticipating the occurrence of another attack. So most individuals prefer to stay at home and isolate themselves from friends, co-workers, and even relatives. Eventually they become incapacitated. If you’re like Jill, is there any treatment that can help? Yes, there is. Individuals with this condition are successfully treated with an antidepressant such as the serotonin-reuptake inhibitors. Usually, the dose should be started low, for instance 10 mg/day of citalopram.

After a few weeks, the dose should be gradually increased depending upon the person’s clinical status. Cognitive behavior therapy is likewise very effective. This type of “talk psychotherapy” helps the individual to restructure his or her thinking. Negative cognition associated with the illness should be addressed in therapy because it creates more harm than good. Relaxation techniques such as breathing exercises should also help. During treatment, patience is very important because it takes a while before any intervention helps. However, don’t despair. After a few weeks, the medication should start working and should give you a feeling of comfort. What’s the role of benzodiazepines (e. g. lorazepam or clonazepam) in the treatment of panic disorder?

This type of drug can provide acute relief but should be used only on a short-term basis because of its addiction potential. For long-term treatment, antidepressants and psychotherapy are still preferable.



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Tips on starting a home business

I have been working in MLM for only two months. Previously my career choice was in Emergency Medical Services as a Paramedic. I worked in EMS right out of high school and that was the only career I was trained to do. After 10 years I realized that even though I enjoyed helping others immensely, I wasn’t financially stable. Paying my monthly bills was a struggle that was continually there. So I decided to find a home business that I could start and work part time. That is when I came across MLM. Like everybody else I heard about the MLM scams and horrors. I knew I didn’t want to hound my family and friends to join a network program. Having no sales experience, I didn’t know where to start. So I started researching.

First, I researched several programs until I found the one that seemed to fit my needs and offered the training I needed. Next, I researched the company to make sure they weren’t a scam. With that done, I felt comfortable joining the company I am currently working with. Now I as ready to let the money flow in. Boy, was I wrong. There really is work in netWORK marketing. So the doubts started to kick in. Can I do this?

Is this worth it? What have I gotten myself into? It was really overwhelming. Instead of giving up, I started asking around for help and suggestions. Some of the key ideas that I found that worked for me are rather simply and easy. First, you have to create a schedule for your time. Pick a couple of hours each day and schedule them to your business. Make sure your home office is in place that is quiet and you are disturbed as little as possible.

And include time to learn new skills. Consistent training helps you stay on top. Next, break your week down so that you complete certain tasks each day. This helps to make sure all the tasks needed to build your business are completed. I spend the first 20 minutes of each working day checking and answering emails, so I know that my communication is always open. On one day I prospect for customers, the next day I work on my web page content, another day I do follow-ups, and so on. By keeping a schedule and staying on top of your tasks, helps keep everything from getting out of control. Be sure to know your products or services. Spend some time each week learning a product or two. The more knowledge you have about your products, the more professional you will sound to your potential customers. Always ask for help from those that have the knowledge to help you. You cannot expect handouts, you have to work your own business, and that includes asking for help. As I said earlier, I have only been in this business for two months, so I am no professional. But, hopefully these key points that have helped me get organized and heading in the right direction, can help someone else get their home business started on a solid foundation.



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Unlocking your dungeon how to finish a basement without finishing off your checkbook

One thousand square feet, fifteen hundred square feet, three thousand square feet—however big your home is, you know it could always be a little bit bigger. Whether you’re in the throes of parenthood and trying to find spaces to stash your kid’s toys, or you’re starting a home business, you could probably use an extra room or two. One way to get more space is to buy a whole new house. For those of us in the real world, though, a far more economical and practical solution is to finish the basement. Yes, that creepy, crawly dungeon can be turned into a playroom for your children, a home office for your bustling new business, or an entertainment room for the weekend’s big game. You’ll just need to cover over the cold concrete floors and the gray foundation walls. Then there’s the pipes hanging from the ceiling that you’ll want to hide, and the washer, dryer, and storage boxes that you might want to section off. OK, maybe this project isn’t sounding so practical or economical anymore. But actually, despite the time and effort that goes into it, finishing your basement is basically easy and cheap—if you know how to go about it the right way. There are eight key considerations you ought to make if you’re down with finishing your basement. They’ll help you figure out how to go about it, as well as help you decide if you really want to go about it in the first place. No. 1: Just how much value will the basement add to your home. Chances are, a finished basement will make a “cellar” want to offer more to buy your home. But by how much? To be worthwhile, make sure the increase in your home’s value will over-compensate what you spent to finish your basement. Talk to neighbors who have finished their basement, or do research online or with your real-estate agent to see what houses are worth in your area, with and without finished basements. No. 2: Have a good sense how long you will be in your home after you finish the basement. Sure, a finished basement will bump up the value of your house, but you also want to be sure you will get some value yourself out of all that new space. No. 3: Be realistic about costs and work time. Depending on your basement, finishing it could be more intensive than you first imagine. Can you really spent (or borrow) $10,000 at this time? Do you want contractors in your home for two weeks? No. 4. I don’t need a contractor to do work I can do myself! (Oh, really?). Even handymen or women can get themselves in over their heads when it comes to major projects like finishing a basement. And don’t get us wrong. You may be capable of doing all of the necessary work. But are you able—meaning, do you have the time and energy after your 9-to-5 job, your children’s sports practices, and a few hours of sleep? No. 5: Local laws may have something to say, too. Hiring a contractor or doing it yourself—whatever way you decide, you may have to comply with local or state codes for such construction. Again, a neighbor who’s recently done a similar home renovation could be a wealth of information, as well as municipal or state Web sites. Following such regulations may seem like a pain, but they may help you prevent real pain that comes from injuries if you carry out your project without safety codes in mind. No. 6: Sure, it’s a good idea to finish the basement—but exactly how? Here’s the fun part. Once you determine that it will be worth it to go through with the project, now you need to figure out what sort of room you want down there. Will the theme be a spare bedroom, a playroom, work-out gym, office, home theater, etc.? No. 7: Are you being realistic about the basement’s new theme? OK, it would be great to have a fitness room down there, but do you really have the room for the treadmill and the weights? Do you have the square footage for two couches and a 60-inch high-definition TV? Will you have the ceiling height to fit your 7-foot-tall bookshelves? No. 8. Your basement can handle your vision of finished glory—great, now make it happen. Start shopping around for all your necessary appliances and furniture. Do your research on price and selection and get your best value. In many cases—such as with office furniture or fitness equipment—buying used is the way to go. Used stuff can be none the worse for wear, and at online classifieds or auction sites, you can more often than not--get great deals on it. Steps 1 through 8—just like that, it’s simple to make your house that much closer to being that figurative castle, or that is, to turn your castle’s dungeon into the king’s (or queen’s) court!



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Home inspection everything you need to know to pick a good home inspector

On a daily basis I get calls from my clients asking me what a home inspection includes and how much will it cost. The typical inspector has some sort of mantra that they repeat about the inspection being a roof to foundation inspection. They then go into a dissertation about plumbing, electrical, furnace, blah..blah..blah. Call a few; they pretty much all say the same thing like they were programmed.

Is this what the client really want’s to know? Many of my clients are calling on the advice of their attorney or real estate agent and they don’t know why they want a home inspection. I think more relevant questions would be: What does the home inspection mean to me, the buyer, and why are you qualified to do it? Well, for Mr. or Ms. Buyer a home inspection is your way to find out if the home you are purchasing is really what it seems. The home inspection is part of your due diligence, in other words, to make sure you are buying what you expect. If you are purchasing what you expect then you will have piece of mind that you are making a wise home purchasing decision. If the inspection report is not acceptable then you have the opportunity to move on or make changes to the conditions of your contract. That is, if you have an inspection contingency in your purchase agreement. In making a purchasing decision, information is power. A thorough home inspection will give you the information you need to make a wise decision. The information you receive from the report should be nonbiased, accurate, and from a qualified inspector. Some states, but not all, have some sort of standards of practice, licensing or education requirement to inspect a home. If you live in state with a licensing requirement, request a copy of the state standards of practice from your inspector. The standards of practice vary from state to state so it is also wise to obtain a copy your inspector’s professional standards of practice. The two professional standards that I recommend are from the American Society of Home Inspectors (http:// ashi. org) or the National Association of Home Inspectors (http:// nahi. org). Obtaining these standards is very important for those of you who are purchasing a home in a non-licensed state with no standards. By reading these standards you will know the minimum level of reporting your inspector will provide. Some inspectors may exceed these minimum requirements, and usually the best ones do. A license to practice is the state’s way of saying that the inspector has passed a test of minimum competency and also may have attended a training program. It is also important to hire a home inspector with at least a bachelor’s degree in some technical field. If you think about it, the purchase of a home may be one of the largest investments you ever make. In addition, the safety and welfare of your family living in that residence is at stake. The relationships of the systems in a home are complex and it takes someone with critical thinking skills to identify potential issues. Some may say that experience is important and to that I agree; however, twenty years of pounding nails does not give you the required education to analyze a possible moisture problem or truly understand the proper and safe operation of your furnace. Make sure you are comfortable with the credentials and experience of your home inspector. In addition, a professional home inspector has passed a rigorous national test administered by the Examination Board of Professional Home Inspectors. This is a requirement in some states for licensing but not all. Most inspectors that have gone to these lengths are also members of professional organizations like the American Society of Home Inspectors (ASHI) or National Association of Home Inspectors (NAHI) or both. These organizations have a strict code of ethics and continuing educational requirements to maintain membership. Both ASHI and NAHI publish magazines to help keep your inspector on top of new issues regarding inspection and home safety. Not all home inspector organizations are created equal, and it is my opinion that ASHI and NAHI are the strictest in their membership requirements. Most professional home inspectors also carry Errors and Omissions Insurance (E&O). This insurance is a measure of a good inspector. The insurance is costly, but it helps protect the inspector and gives the client piece of mind that they are working with a professional. The Foundation of Real Estate Appraisers (FREA) provides E&O insurance to home inspectors and provides training for home inspectors to help keep insurance costs down. FREA publishes a magazine that helps keep your inspector’s eye sharp to home defects and safety issues. The cost of a home inspection varies a little across the country, according to the American Society of Home Inspector’s Business Operations Study 2005, the average cost of a complete home inspection is around $318. With the median home price around $218,000 (National Association of Realtors®, 11/28/2005) the cost of the average home inspection is approximately .15% (that’s fifteen hundredths of a percent) of the cost of the home. This is a very small expense to know that the home you are about to purchase is in acceptable condition. I know of people who pay more for a service plan on their television. Although, a home inspection is not an extended warranty, it has been my experience that seven out of ten times a deficiency is found that would cost more to repair than the cost of the whole inspection. Would you like to know that before you buy? The price of a home inspection may be more reflective of the efforts of the inspector. To do a thorough inspection some home inspectors take longer than what is typically quoted on many websites; 2-3 hours. I do not believe, unless you’re inspecting a dog house, that a proper home inspection can be completed in two hours. I have found that the typical home takes approximately 4 hours of data collection and an additional hour or two to compile the information into a form that the buyer can use and appreciate. For small townhouses or condo’s the data collection portion of the inspection may be shorter if you exclude the exterior or common areas, otherwise they may take just as long a whole house inspection. In general, shopping price on home inspectors is not a good idea. In order to do a diligent inspection, it takes time; otherwise your inspector is overlooking issues that may be important to you. In summary, a thorough home inspection is what you, the buyer, want. The inspector should be a degreed experienced professional with the proper licensing and insurance. It will take approximately four hours to complete and cost you about $320. In return you will have the information you need to be confident in your home purchasing decision. After you move in, there should be very little surprise and both you and your inspector can sleep soundly at night knowing you did the right thing by obtaining a professional home inspection.



Online Home inspection everything you need to know to pick a good home inspector

Buy momeni rugs for great selection

We've all hear about Momeni Rugs. There is no question that they are beautiful and that they provide excellent choices but so do many other manufacturers. Momeni has a reputation for quality and great choices in rugs for home decor and exceptional Persian rugs. So why buy Momeni Rugs? Well because of their great selection!

Check out their 10 main lines. 1. Comfort Shag Flash back to the 1970s. The comfort shag is a fun carpet just waiting for that retro room. Deep rich color, soft acrylic finish, ready to complete your home decor. 2. Concord Collection Wow! Gorgeous is the only way to describe the rugs from the Concord collection. A combination of silk and fine wool, and a this collection is hand knotted. You don't see that very often. From China this collection offers a wonderful mix of Persian florals set on a neutral background. A perfect addition to a traditional or Victorian decor. 3. Agra Collection The Agra collection is hand tufted in India using New Zealand wool. The rugs have the traditional Persian heriz and tribal patterns done in rich warm colors. A perfect choice for a living room or family room. 4. Bali Collection These jute rugs with their traditional tropical designs and natural tones are a perfect fit for a modern or rustic venue. They have a character all to themselves and they are an excellent addition to a Bali or Oriental decor. They make wonderful accent pieces drawing attention to their beauty but not overpowering the room. 5. Classic Collection Just as the name suggests this is a collection of elegant traditional Persian rugs which will add elegance to any room. They are 100% wool with silk done in rich vibrant tones. A perfect choice for a traditional living room or bedroom. 6. Chinois Collection Flowers anyone? The Chinois collection is based on contemporary European styles with a captivating chintz pattern done in contemporary colors. This Chinois collection will add warmth and elegance to any room. 7. Camelot Collection If any of you are familiar with Peshawar rugs this is where the Camelot collection gets its inspiration from. Muted tones with antique designs, and made from 100% twisted wool yarn. A perfect choice for a home decor that is focused on days gone by. It would be an excellent choice for a Victorian decor! 8. Cardigan Collection This collection earns its name for its warm and inviting appearance. Made from 100% wool it's a cozy addition to any room. It's a great choice for a heavy traffic area such as a family room. It's also the perfect choice for in front of a hearth. 9. Chambord Collection This is a collection of Aubusson-Soumaks which its beautiful designs and rich colors, and made from 100% wool, that has been hand knotted. Chambord is based on the ancient empires in Europe and the Middle East as well as architectural structures in the area. A true work of art this collection makes an excellent choice for a formal dining room or living room. 10. Cashmere Collection Cashmere is a term we are all familiar with for its beauty. The Cashmere collection is no different. The exquisite Persian designs with intricate florals and modern colors makes this collection a perfect choice for a contemporary room that needs a little depth. This is only 10 of the many lines offered by Momeni rugs. There is no question that they will have a perfect rug for your decor. Buy Momeni rugs for great selection!



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Steel hunting blades and other options available to hunters and fishermen

Hunting knives, tactical knives and pocket knives are the type of tools that every hunter needs at some point or another. When it comes time to prepare your game for transport off the mountain or to take care of some camping basics like cutting or chopping, it is important to have a sturdy, reliable hunting knife that you can count on to last for several hunting seasons. If the tactical knife or pocket knife is perpetually dull or flimsy it is very unlikely that you will enjoy your time hunting and may in fact result in a lack-luster hunting season. That is why it is important to make sure to always have the right blade on you at all times, and to choose the right blade. Many people do not know that there is more than one blade type, when really there are three main blades that a person can choose from, depending on their individual needs. Drop Point Blade Hunting Knives The drop point blade is the most popular type of tactical knife blade on the market today. The drop point has a sharp curve to the blade and it is forged of a thick, durable steel blade that can stand up to just about anything. The edge of the drop point blade makes it one of the most utilitarian of the three knives mentioned here. It can be used to jab or point as well as slice, and it is very useful for efficiently skinning game after it has been killed. Clip Point Blade Hunting Knives The clip point blade is another one of the more popular types of hunting knives out there. Although the clip point is not nearly as popular as the drop point blade, the clip point blade is made of thinner steel and the blade is flat, with a point to it. The clip point blade is perfect for skinning game as well, but the clip point blade is also perfect for other uses that are not related to hunting, like cutting ropes or branches or other things of that nature. The clip point blade is a useful knives for hunters to have, and is one of the most commonly used and carried types of hunting blades out there. The Skinning Knife Skinning knives are other popular hunting knives, although they are not nearly as multipurpose as some of the other tactical knives on the market. Skinning knives are just for that, removing the skin of a game animal from the meat. Skinning takes a certain type of blade in order for the meat to be as well preserved as possible. If you find that you lose a lot of your game during the skinning process, you may want to consider purchasing a skinning knife in addition to a more tactical blade. Having reliable hunting knives is an important element of successful hunting, whether you are a big game hunter, waterfowl hunter or fisherman. By knowing the various blade types available you can determine which best fits your needs and your use level. Remember that there is more to a knife than the style of its handle or its price. The craftsmanship and style of the blade are the fundamental elements that will make the hunting knife a valuable addition to your hunting equipment. ~Ben Anton, 2007



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