Car accidents claims and insurance

If you are not sure of your rights in a car accident that you have experienced, you must consult the best lawyer possible. You can rest assured that the insurance company will have lawyers to represent them. Your claim is very important and you should not take it for granted especially if you have encountered a serious injury in a car accident. Claims vary differently depending on the type of injuries sustained. Severe injuries include: losing an arm, fractured bones or losing any part of the body. If you have been hospitalized for a long period of time, you are entitled to a higher compensation. If you are unable to work because of disabilities you may be eligible for a lifelong compensation.

The compensation of disabled person will include the beneficiaries of the victim. He will also get the income he earns in a year. Sometimes, being handicapped allows for the full compensation in filing for a claim. In order to get the compensation, you must choose the best lawyer who will not take advantage of you and your rights as a victim.

Sometimes, the law takes advantage of the disabled person and of those who are not aware of the rules. Claims and compensation will consider the nature and the duration of injuries. If you have recovered from the injuries in days, you will get a smaller compensation compared to severe injuries which might take a month or longer in the hospital to heal. You should not worry about the expenses because you will rightfully get your compensation as long as the case is adjudicated. Pain, suffering, and disability is measured in determining a rightful compensation. In considering your car’s insurance, make sure that you know what your insurance covers. Dealing with the accident requires investigation to know who is at fault, and to find out if the other party is required to give compensation to the victim. An accident lawyer is perfect for this situation.

You might not be familiar with the rules of filing for a claim, but a lawyer will be. The law requires car insurance intended for public use. So it is better to find out if your car is insured and the consequences that you may face should you have an accident. It is important to make sure that the statements that you are going to give to your insurance company are correct so that the claim will be handled accordingly. If you don’t want to face these complications and procedures make sure that you are confident in your driving and knowledge. Car accidents are not be easy to deal with because they can be quite complicated. What is important is that you be given the right compensation for anything you have lost.



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Daewoo leganza elegance and power

This vehicle comes with an exterior that has been jointly designed by in-house stylists and Giugiaro’s renowned ItalDesign operation. The latter is an Italian studio that has been the very reason for the Lexus GS300’s faзade. Daewoo claims that the name for this vehicle, Leganza, is a combination of two words taken from the Italian language – “Elegante”, meaning elegant, and “Forza”, meaning power. The Daewoo Leganza made its way into the American automobile market as Daewoo’s flagship small car. This midsize sedan is fairly cheap and holds loads of equipment. It is made from respectable quality materials.

Statistics and sales show that the Daewoo Leganza is the largest and the most expensive vehicle model that Daewoo, the automobile company, has presented and introduced to the United States. This vehicle has been made available in three trim levels which comprise of the SE, the SX, and the premium CDX. The Daewoo Leganza cries out with a confident styling as well as an advanced powertrain and suspension. Giving the vehicle a distinctive kind of look is its chromed radiator grille. This grille also gives the car more elegance. For a very affordable sedan, the Daewoo Leganza sports along with it a unique and creative style and design. Impressing its competition as well as the customers, the Daewoo Leganza holds high quality body parts, a range of options for comfort, and a variety of choices for paint finish and color. Available for the interior and cabin is a leather option and a nice wood trim. As per performance, this sedan comes with a modest body roll during cornering and light steering, a fully independent strut-type suspension, four wheel disc anti-lock brakes, and a rack and pinion power steering. It holds Daewoo’s D-Tec engine as well as a five-speed manual for its base transmission. Customers can choose from an array of body colors for the Daewoo Leganza. The available colors comprise of scarlet mica, poly silver metallic, olive silver metallic, midnight blue mica, harbost mist mica, granada black mica, and galaxy white. The available colors for its interior are gray and beige. This vehicles comes with a variety of features. The list includes a front wheel drive, a front anti-roll bar, coil rear springs, front and rear mud flaps, a chrome grille, an illuminated entry, driver airbags, passenger airbags, dual power remote heated mirrors, a day/night rearview mirror, front bucket seats, a full cloth headliner, a carpet floor trim, front reading lights, an air filter, an AM/FM stereo with seek-scan, an auto-reverse cassette, six speakers, power door locks, an in-dash clock, a tilt steering wheel, power front and rear windows, a rear defroster, and a tachometer. http:// carpartswholesale. com offers Daewoo parts that are focused and made on reliability, quality, great designs, as well as affordable prices. With the Daewoo tradition of designing and manufacturing efficient and innovative vehicles and cars, Auto Parts Discount has in its stock the widest array of high standard Daewoo parts. Customers can visit Auto Parts Discount’s website and they can access this online store’s impressive collection of highly durable and reliable Daewoo parts to match the equally impressive performance of Daewoo cars.



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Ten watertight luxв yacht builders

While the size of one's boat may set yachtsmen apart, the underlying commonality is that all yacht owners are seamen at heart. Making a big splash on the marine scene today calls for something of substantive value. While every yacht out there is not a superyacht of 100 feet or more, or a mega-superyacht exceeding 200 feet in length, it should be equally superb as a looker and a performer. Here is a recap of some the yacht builders we presented over the past year or so. Each one is a shipbuilder of worldwide acclaim. Trinity Yacht can produce a 400-foot-long vessel. Azimut Yachts is renowned for its advancements in soundproofing technology. Christensen Shipyards has built more yachts measuring 120 feet or longer of composite materials than any other builder. The Burger Boat Company built numerous vessels for the U. S. during wartime.

The firm also produced the first all-steel-welded hull made in the U. S. All are capable of fulfilling a buyer's vision of a "dreamboat," whether it is a power or a sailing yacht. Presenting the newest, the best, and the most innovative in all matters of luxury lifestyle is a never-ending process. So stay tuned. More noteworthy and up-and-coming yacht builders will be introduced throughout 2007 - and beyond.

Azimut Yachts offer the best combination of features and benefits to its lucky owners. The Azimut 85, which premiered at the Genoa Boat Show in October 2005, is luxury afloat at its finest. The 85's length is actually a tad longer than its name and 22 feet wide. Stephano Righini designed the exterior and Carlo Galeazzi manned the interior. The advanced soundproofing techniques and windows on both decks are only two of the yacht's noteworthy and unique features. Marquis Yacht is a U. S.-based firm that is definitely on the rise. With each release, beginning with the Carver 59 Marquis, the company is diligently establishing its niche for launching innovative, Italian-inspired-designed yachts. The 59 features twin 660 horsepower Cummins QSM11 diesel inboards, with the option to upgrade to twin 825 horsepower MTU Series 60 diesel inboards.

The ship's overall length is nearly 60 feet with platform and a waterline length that exceeds 45 feet. Standard features include a hydraulic swim platform and fore and aft shore-power ties. Saying it in Italian just sounds more romantic than saying it in English. But no matter how you say it, the 44.8-meters long Gran Finale by Delta Marine is one beautiful boat! Launched in 2002, this tri-deck is the winner of the 2003 "Best Motor Yacht Over 38 Meters" by Showboats International. Its all-encompassing craftsmanship is perhaps the boat's greatest benefit. However, providing a smooth ride at a cruising speed of 18 knots and a top speed over 20 knots, with its twin Caterpillar 3512B engine, is quite impressive too. International Yacht Collection is a fourfold specialist in the luxury boating industry. The firm is capable of managing and maintaining a yacht for personal or corporate owners; taking a boating project from inception to design to completion; offering brokering services; and yacht-chartering specialists for either corporate or personal needs. The Rasselas, the latest vessel launched by Feadship De Vries of the Netherlands, is the most technologically advanced yacht to ever float across the waters. Strident progress has been made in shipbuilding technology over the past 10 years, and this craft has incorporated it all. The innovative technology addresses environmental and operational issues, reduces noise level, and facilitates maintenance and favorably. Specifically, it burns fuel more efficiently and is easier to keep in tip-top condition. Measuring out at 62 meters, it is nearly 30 feet longer than the previous Rasselas. Thank goodness the Burger Boat Company was revitalized in the early 90s and put back in the waters of Manitowoc, Wisconsin, by its new owners, David Ross and Jim Ruffolo. Founded in 1863 by Henry B. Burger, the contributions this organization made to the U. S. and to the boating industry are historic, patriotic and most inventive. From 1870 to the turn of the century, the firm specialized in manufacturing steamers, tugs, scows, schooners and barges to support the industrialization efforts of the USA. During World War I, Burger manufactured 22 vessels for the U. S. Navy and Emergency Corps. READ MORE When the topic of the conversation turns to yachts, the size of a vessel is generally at the top of the pecking list. However, the more significant issue regarding long-term value is the materials used in the construction of ships. Christensen Shipyards has built more 120-plus-feet yachts with composite materials than any shipbuilder in the world. Composite materials eliminate rust and corrosion and provide better insulation and strength compared to ships built from aluminum and steel. This makes overall maintenance easier and extends the life of a ship threefold compared to those predominantly constructed with metals. Christensen Shipyards is a certified shipbuilder by the American Bureau of Shipping (ABS), which was established in 1862 and is the governing agency for safety standards of the marine industry. ABS is a non-profit organization with 150 offices in 70 countries. Trinity Yacht encourages all yachtsmen to have it your way! Whether you are seeking a 72-footer, a 200-footer or a whopping 400-footer, your selection is built and designed to meet and, probably, exceed your expectations. Trinity can place bid on designs drawn up independently from outside sources or provide patrons with designs stemming from either its Victory Lane or Global Explorer series. It is very difficult to begin a sentence with a company that prefers not to capitalize its name or products, such as eLuxury, iPod, or oceAnco. However, what oceAnco does capitalize wisely are its resources when it comes to designing and building superyachts. The firm has built some of the finest 50-meter-plus vessels to clientele around the world. Its main office is in Monaco, and its shipyard is based in Albasserdam, Holland. The yacht builder's Web site boasts of 16 launched boats. Over the past three years, oceAnco has launched three stunning 60-meter-plus yachts: the Lady Lola at 62.6 meters, the Alfa Four at 60 meters, and the Dilbar at 66 meters. The Dilbar has two master suites and a dip pool on its sundeck that is over 15 feet wide. Mr. Alberto Pino is the interior designer of the steel hull with an aluminum superstructure, and oceAnco is both the naval architect and the exterior designers. Princess Yachts International is a shipbuilder with over 40 years of know-how. The company, which began in 1965 and was known as Marine Projects (Plymouth) Ltd., originally specialized in making 20- to 30-foot ships. Today the company is regarded as one of the world's most prominent manufacturers of Flybridge yachts and "V" class sports yachts. Yacht building began in 1970 with the launching of the Princess 32. Over the next decade, approximately 1,200 Princess 32s were ordered and sold.



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How to start a vending machine business

If you’ve been considering your business options, vending machines are certainly worth putting on the list. There are some nice profits to be made. Vending machines can be owned or rented by a store owner or by an entrepreneur that distributes the vending machines among store locations. Once you obtain the vending machines you want, you need to find locations for them and keep them stocked with merchandise. If you own your machines, the profits you make are usually shared between you and the business that is housing the machine.

The main types of machines include candy, pop, and snack vending machines; but there are other types too such as postal service machines or lotto machines. As a vending machine operator, you will need to convince other businesses to allow you to place your machine in their outlet. Of course the higher the percentage of the profits they make the more enticed they will be to have your machines. You will have to get used to the word “No,” and not worry about it though. When approaching a business where you would like to place your vending machines, make sure you are talking to one of the decision-making people.

A common mistake is speaking to an employee rather than the owner or a manager that is in charge. Be ready to have 90% of the businesses you approach tell you no, but remember that leaves 10% that will tell you yes. That means if you approach 100 businesses in a day, 90 will say no and 10 will say yes and that 10 has the potential of earning you a substantial income. So don’t worry about the 90%. Instead focus on the 10%. Once you get the yes, you need to focus on determining the best location for the machine so that you optimize your revenue. Entrances and exits are always great spots. So are restrooms, lunch rooms, near the coffee maker, and next to other vending machines. You might also consider near a cash register, ATM, or in a waiting room. You need locations where people stop or gather and where they might potentially be looking for a snack. Bulk candy machines, and toy or gumball machines do well when they are placed where there are kids, and where those kids are standing still waiting for their parents. That’s why you’ll often find them in the front of a restaurant. These machines are mechanical. The money is placed in the slot and in return a ball, gumball, jewelry cap, or a handful of candy are released. The profit margin on these machines is very good. Your cost per item runs from Ѕ cent to 5 cents depending on your supplier, and your machines charge from 25 cents to 50 cents. The machines themselves are also a lot cheaper then soda type machines. However to make a full time living on these machines you will need to have many in place. The soda and snack vending machines are definitely capable of providing a full time income. The advantage to these types of machines is the demand for the product. Combine that with good strategic locations and you’re in business. In fact many companies will actually contact you looking for the placement of a vending machine, especially in lunch rooms and places where the public might gather. And once you’ve got your machine in their business they are unlikely to ask you to remove it unless you are providing very poor service to the company. After all they aren’t interested in dealing with repairs and stocking of these machines; they just want the convenience. There are also specialty machines that you might consider such as those found in restrooms that sell hygiene products, condoms, medicine, and other toiletries. These machines do well in airports, bus stations, and truck stops. Vending machines make a great business. There is plenty of opportunity and you require no special skills other than it’s helpful to be a little mechanical. So why not give it some consideration?



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How to build a profitable business

It’s never too soon to start saying thanks to your clients, vendors and referral sources for what they contribute to your business. Everyone loves to be appreciated and acknowledged, so start now and do something every month. Keep in contact with your clients and vendors by sending articles you have written or that would be of interest to them. Add a little "How are you?" note to these people and keep the lines of communication open. Include current information about any new value-added products or services, such as a newsletter, or tele-class you will be presenting. Marketing doesn’t have to be expensive. You just have to do it. Communication and relationship are the keys to marketing. Attending numerous networking meetings may be worthwhile to some, but that strategy doesn't work for everyone because, as someone once told me, the people who love you will always refer business to you. The people who are your advocates or supporters are the ones who require nurturing. Send them an e-mail, e-zine, note, or article at least once a month. Gather your internal and external management teams in an informal meeting such as breakfast or lunch. Advise them of your upcoming plans, get feedback and give acknowledgement for all their support and advice. Check in with former clients to see how they are doing. Don’t be afraid to dispense free information to these people. Generosity is its own reward. If you keep a timer on your desk, you can be sure of keeping the conversation brief as well as focused. Then, send them more information. Follow up in about two weeks to see how the seeds of your generosity have blossomed. Information is available to everyone, through the internet, magazines and newspapers. Only you can provide customized data to your clients that will be appreciated as well as remembered. Review your brochures, marketing letters, and newsletters in a new light. Does this information speak to your "Ideal Client"? Do you know who your "Ideal Client" is? Reinvent these documents as needed after you have thoroughly defined this client. Give these documents to your management team and get their feedback. Does your collateral material speak to what you do? Is the information clear or does it require interpretation? Spend time on this now and review it every ninety days. If the cost of a new brochure is prohibitive, or if you think your business will be adding more products or services in the near future, create an Information Letter. With this type of document, you can update your advocate group as well as former and potential clients. Again, it’s not costly and serves a specific purpose. This letter can include updates on your particular industry or market. You also can advise them of your continuing education and how it will benefit them. About those referral sources, they deserve a little extra attention. Remember, they thought of you first! Consider seasonal flowers, plants, a book or a special card. You want them to keep remembering you! Nurture all these relationships and your business will grow and glow.



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Understand what flows through your business to find improvement

I remember once seeing a cartoon which showed two people working a counter. On the wall behind them was a sign which read, “Quality Work, Low Price, Fast Service – Pick Two.” In order to deliver all three, which is what customers expect, it’s important to understand the flows of your organization. The first flow is, of course, cash flow. This comes in two varieties, money coming into the organization, revenue, and money going out, expenses. Understanding cash flow is not as easy as it appears.

Throughput accounting and Lean accounting are two methods some companies are using to try and get a better understanding of how cash flows through a business. The second flow is the product or service flow. This starts with how the product or service is designed. The next step is how the product is built or the service delivered. How is the product or service used? Finally, what happens when the customer is done is the product discarded, recycled, or consumed. How does information flow through the organization? How does it come into the company and how does it leave?

How is it used in the organization, does it follow the work or pull the work forward? What types of feedback is received? How does material flow in the company? If a product is built, how are the raw materials or parts brought to the point of assembly. For a service, how do the necessary information, materials, and people get to where they are needed? How does the movement of the workers flow?

Is the motion smooth or does it start and stop like rush hour traffic? Are there any wasted motions, like retrieving a paper file from a cabinet in another room or walking over to get a tool which is required for product assembly? Why is the tool at the point where it is needed? Why is the file located in a cabinet in another area? Creative flow is important to understand. Creative energy, like any other kind of energy, can be harnessed and managed.

Does a research and development department create everything and the rest of the people just do what they’re told? Or are all employees thinking about innovation, how to reduce costs, looking at safety issues, reducing wastes, and improving the environment. Are people developing skills to identify, articulate and communicate those kinds of things? The final flow is time. Time is, of course, a factor in all the other flows. Since we can’t change time, rather than looking at how time flows; we need to see how the organization flows through time. How long does it take to accomplish things? Can the time be reduced? By reducing the time it takes to do our work, we reduce or eliminate the wasted things we do. Eliminating wasted brings us closer and closer to excellence.

By observing the flows in our work, we can see where things run smoothly like a tranquil river. Bottlenecks in the workflow create turmoil, much like the rapids in a river. “Oh, this ol’ river keeps on rollin’, though, No matter what gets in the way and which way the wind does blow, And as long as it does I’ll just sit here And watch the river flow.” - Bob Dylan (Watching The River Flow © 1971 by Big Sky Music) Any process, any product, any service can be made better in some way, somehow. So observe and understand the flows of your organization, it will lead to improvement opportunities. Copyright © 2005 Chuck Yorke - All Rights Reserved



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How to create a business note that is more attractive to a note investor

You are selling your small business (business value under $1 million for this article). You would like the buyer of your business to come in with an all-cash offer, or be able to qualify for an SBA guaranteed loan. However, in many cases the owner of the business ends up taking back the financing because the buyer is not able to make an all-cash offer or does not qualify for an SBA guaranteed loan. So you create a “business note” and you now become the “bank”. At first that may seem okay, but after a couple of years of receiving payments you may decide you want to get back into business and you need the cash that is tied up in your business note on which you are receiving payments. So now you want to sell your business note to raise cash for your next business venture. What is it worth? That will depend a lot on how you structured the note. The objective of this article is to help you structure the note so that it is more attractive to a prospective business note buyer.

Assumption: This article discusses the structure of a note that includes only the business assets of a business. If a business also includes real estate that is being sold at the same time as the business, that real estate should be sold in a transaction that is financed separately from the business assets. This allows each to be valued and financed in the most optimum manner. For example, it may be possible to finance the real estate with a lower down payment, for a longer term, with a lower interest rate, and without a personal guarantee. The objective of a business note buyer or investor when buying future business note payments is to minimize the risk of a default on the note. Therefore, they look for specific things when evaluating the purchase of future payments from your business note. Those include the following. buyer’s down payment number of payments made on the note (also known as “seasoning”) buyer’s credit history personal guarantee of the buyer total amount of payments being sold cash flow of the business and past profitability length of term of the note payment amount offsets lien position of the note amortization of the note experience of the buyer with the type of business purchased interest rate on the business note documentation of the business sale Unlike the purchase of a piece of real estate, the tangible assets of a small business may not be adequate to cover the amount due on the business note if the buyer of the business defaults. Therefore, the business note buyer is looking for ways to lessen the likelihood of a default. If there is a default on the note, the business note buyer will require that the business buyer follow through on their personal guarantee which secures the business note. A cash down payment of at least 33 percent should be made by the business buyer. This down payment should not come from borrowed funds. The reason for requiring such a large down payment is to make it less attractive for the buyer to “walk away” from the business if they encounter problems. If they have a significant amount of their own money invested in the business, they may think twice about walking away from the business when things get tough. If the down payment was less than 33 percent, then the business note buyer will require that the difference be made up by additional payments on the business note. The business note buyer wants to see that the new owner of the business has at least a one-third equity investment in the business between the combination of cash down payment and payments made on the business note while operating the business. Business note buyers want to see that at least two monthly payments have been made on the note by the new owner of the business. For new owners of professional practices such as doctors or dentists, a larger number of paid monthly payments will be required. This serves a couple of purposes. It should show that the new owner is generating cash flow from the business. It also allows the new owner to see if the business is meeting their expectations. As part of the “due diligence” performed by the business note buyer, they will interview the new owner to see if any problems exist that might lead to future problems making payments on the business note. They will want to know if the new owner was “mislead” by the seller of the business. The buyer of the business should have a credit score of at least 600. A higher score is required by the business note buyer when the value of future business note payments being purchased reaches a certain level. Any “clouds” on the business buyer’s credit history should not be current. These should have been resolved before purchase of the business. The business note must be personally guaranteed by the buyer. It cannot be guaranteed by the company buying your business. Specifically, it cannot be guaranteed by a person signing on behalf of the company. If there is a default, the business note buyer will be coming after the personal assets of the individual(s) making the personal guarantee. A personal financial statement for the buyer should be obtained to verify that they have the necessary assets should it be necessary to fulfill the personal guarantee. The maximum amount a business note buyer will buy in a single transaction is between $300,000 and $450,000. You can create a business note for more than this maximum amount, but the business note buyer won’t buy more than their maximum at one time. This means when the period is completed for which payments have been sold any remaining payments will once again come to you. At this point you will have the option of selling future payments again, if you want to. The cash flow of the business must be adequate to service the note and provide additional cash for the new owner to live on. The cash flow should be at least 1.25 times the amount required to service the note. The business should have been in the same location for at least 3 years (4 years for restaurants and bars), and it should have been profitable over that time. The term of the note should not be longer than 72 months with 36 to 60 months being preferred. You can create a business note for longer than the recommended period, but a business note buyer will only buy the number of payments with which they are comfortable. The objective is to minimize the risk to the note buyer. The longer the term, the greater the likelihood that something will go wrong. The note buyer is looking to minimize their risk because the note is not fully secured by the assets of the business. A key item related to the term of the note is the term of the lease of the space in which the business operates. In order to avoid a major disruption to the business due to a problem renewing the lease, the term of the lease should be at least as long as the term of the business note. The business note must be in first lien position. The business note cannot be a second position lien behind a bank loan. If there is a default, the second position lien holder may have a difficult time recovering their investment. The business note should be fully amortized over its term. There cannot be a balloon at the end because there is probably no way to refinance the balloon at the end of the note term. If a bank was not willing to finance the original transaction, it is unlikely that they would be willing to finance the balloon at a later date.(Notes: Some business note buyers may accept a balloon if it can be amortized within 24 months using the same monthly payment used to pay the note. Other business note buyers may buy payments up to a few months before the end of the note term, but leave the balloon for the business note holder.) The business note buyer wants to see that the new owner of the business has prior experience running the type of business being purchased. This is especially important for the purchase of a “high-tech” business or a professional practice. The assumption is that someone with experience in the type of business has a better chance of succeeding than someone without prior experience. One of the biggest factors contributing to the discount that the seller will have to take when selling the future payments is the difference between interest rate on the original business note, and the yield required on their investment by the business note buyer when they buy the future note payments. Therefore, the interest rate on the business note should be set as high as possible while still allowing a monthly payment that can be covered by the cash flow of the business for the term of the note. The deal is not done until the paper work is done. There are stories where people documented the sale of a business on a napkin or restaurant place mat. That will not be adequate if you have any thought of selling your business note in the future. There are four main documents that should be produced. It is recommended that a lawyer be used to help properly prepare these documents. The documents are listed below. UCC-1 chattel security agreement or chattel mortgage promissory note purchase agreement The UCC-1 documents that the seller is holding a “perfected” lien on the business. This document is filed with county government and is part of the public record. If there is a default, this document indicates that the business seller will be first (after tax liens) to receive proceeds from the sale of any business assets. The “chattel security agreement” is a list of the tangible assets of the business. This will usually be the furniture, fixtures, and equipment that are the tangible assets of the business. The intangible assets are things like a loyal customer base that can be lost if the new ownership does not provide the service received from the previous ownership. The chattel security agreement does not become part of the public record, but is necessary to document what the tangible assets were at the time of the business sale. If any vehicles are part of the security for the business, the title of the vehicles should indicate that you are the owner of the vehicles so that the new business owner cannot sell these vehicles without your knowledge. The promissory note documents the details of the sale like value of the note at the time of sale, the term of the note, the monthly payment, the interest rate, and any other special terms such as late payment fees. The purchase agreement ties the whole transaction together. It may contain information that is not specifically contained on the other documents such as provisions to provide periodic financial statements to the seller which could then be made available to a prospective note buyer for evaluation. The promissory note or the purchase agreement should not contain any “offset” statements which would allow the business buyer to deduct from payments made on the note due to problems running the business or problems with equipment purchased as part of the business. If the promissory note or purchase agreement does contain “offsets”, then the business note buyer will require at least 6 months of seasoning to see if there have been any events that would activate the “offset” provisions. The following table summarizes the factors contributing to a business note that will be more attractive to a prospective note investor. Note Factor Preferred Value for Note Factor Buyer’s Down Payment At least 33% in cash that was not borrowed Minimum Number of Payments Already Made (Seasoning) 2 monthly payments (more are preferred and more are required for professional practices) by the new owner Buyer’s Credit History Buyer must have a credit score of at least 600 with no recent “clouds” on credit history Personal Guarantee Personal guarantee required (cannot be a person signing on behalf of corporation or partnership) Total Amount of Payments Being Sold Maximum is $300,000 to $450,000 in a single transaction (note can be created for more than this amount, but the maximum that can be sold at one time is $300,000 to $450,000) Cash Flow of the Business Cash flow should be at least 1.25 times the amount of the monthly payment on the business note. Length of Term of the Note 72 months maximum but 36 to 60 months is preferred (Note can be created for a longer term but business note buyer won’t buy the payments beyond a certain point.) Lien Position of the Note First lien position only Amortization of the Note Note must be fully amortized within the note term Experience of the Buyer The buyer should have prior experience in the type of business being purchased. Interest Rate As high as possible such that cash flow can support the required payment for the term of the note. Documentation For Sale UCC-1 Chattel Security Agreement Promissory Note Purchase Agreement Real Estate Real estate that is part of the business should be sold in a separate transaction from the business assets Of course, a business note can be structured other than recommended above, especially if the seller does not anticipate selling future note payments. However, if the seller has any thought that they might want to sell future note payments, then the seller should follow the above recommendations as much as possible. If you have an existing business note or are in the process of creating one as part of the sale of a business, and you are thinking about selling some or all of your future payments on that note, then we can help you determine what an investor would be willing to pay for those payments. Please contact us today for a free, no obligation quote on the sale of your future business note payments.



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It consulting moving from micro businesses to the sweet spot

In IT consulting you have many different options in who you choose as your clients. Larger than the sweet spot businesses are the large small businesses, which provides a different IT consulting opportunity. Large/Small Businesses Defined Large/Small Businesses have 5-100 seats, 50-100 computers, anywhere from 50-200 employees and US annual revenue somewhere in the ballpark of 5 million up to 20 million. At that size, you are going to start running into a lot more publicly run corporations. They are generally going to have at least 2 or more dedicated servers. At that size, beyond the sweet spot you start to see something very different about the dynamics of working with that account. You start to see an in-house IT manager, in most cases that is hired to handle a lot of the generalist work. These Companies Have An On-Staff Professional These large/small businesses won’t just have a technician, coordinator, or guru. They will actually have a person whose skills on probably on par with yours. They may be vendor certified they may know a couple of different operating systems, a couple of different database platforms, or a software developer. Whatever it is, but they definitely have the skills to qualify them as a full-fledged IT pro. And they are brought in a lot of times to handle the generalist work. If you want to be able to provide IT consulting to these businesses, you’re going to need to deeply specialize. Copyright MMI-MMVI, Small Biz Tech Talk. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}



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Developing a personal banking strategy

If you've become accustomed to having your finances in disarray, it's likely time to take control of your financial life and get things in order. This may seem like a tall order of business, especially if you've had your financial records scattered for quite some time… but it can actually be a much simpler process than you might think. The first step that you need to take in order to make some headway toward organization is to realize that there is definitely a better way to take care of your finances and banking than what you're currently doing. From that point, it's simply a matter of creating and enforcing your own personalized banking strategy in order to get the most out of your money. What Is a Personalized Banking Strategy? If you're not exactly sure what a personalized banking strategy is, you're not alone.

At its most basic, a personalized banking strategy is simply a method of looking at the way that you deal with your finances and building your financial planning around it. Savings accounts, chequeing accounts, investments… they all fit into your banking strategy. It's time to take the time to look at them individually so as to determine how to best get them to work together for your benefit. Savings The purpose of savings is obviously to assist you in saving money, but many people use savings in much the same way that they do chequeing. Not only does this cause you to miss out on some of the benefits of the interest rates that savings accounts carry, but you can actually lose money in fees if you make too many withdrawals in a month. If you don't have a savings account, you might want to consider getting one… but if you find that you're using the ATM a bit too much, it's time to hide your ATM card. The money in your savings account needs to stay there until it's really needed. Chequeing The key to successfully managing your chequeing account is to balance your chequebook monthly and build up a bit of a buffer to prevent overdrawn cheques. Round up to the next whole number the amount of each purchase when you record it in your chequebook. While this may only be a little bit of change, with each purchase it will grow; at the end of each month you'll find that you've got more money in your account than your ledger was showing. You can either leave it there to build the buffer more, or transfer the difference to your savings which you should do every few months, at the very least. Long-Term Deposits Long-term deposits can also figure prominently into your banking plans, especially if you have problems with maintaining a savings balance. Instead of placing all of your savings into your savings account, place some if it into certificates of deposit or other long-term deposits… the interest rate will be better than most accounts, and it will help keep you from spending the money that you're trying to save. Investment You shouldn't ignore the usefulness of investments when determining how best to divide up your money. As a general rule, it can be best to choose a relatively stable investment that will be used as a long-term investment… this way there's less danger of the value suddenly dropping and you won't be as tempted to simply sell the stock when you need quick cash. Investing a little each month (perhaps on an investment plan) can help you to keep your investments growing, as well. You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:



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Collectible porcelain dolls

What Are Collectible Porcelain Dolls Before the 20th century, dolls were made of materials such as clay, paper mache, wax and wood. Later on, manufacturers were able to use something else making such toys priceless today and these are known as collectible porcelain dolls. But porcelain was not invented by the Europeans. This was discovered by the Chinese in the 600’s and this was used to make a cups, plates and pots. Given that it can be molded to just about any figure, it wasn’t long before collectible porcelain dolls were made in different colors, shapes and sizes. The best part is that girls who play with them can change their clothes that teaches them learn a thing or two about fashion. How is a collectible porcelain doll made? Well, the faces are made by molding special clay. This is then glazed with a special paint or left plain. This creates then two types of dolls, the plain version is called bisque while the painted one is called china. This is then baked in a kiln which is similar to an oven at over 2000 degrees. Once the initial firing is finished, it is repainted and returned once again to the kiln. Since bisque looks like real skin, a lot of manufacturers focused on producing this instead of porcelain. The face is then attached to the components like the body, arms and legs. Such parts go through the same process, sewn and then dressed according to the collectible porcelain doll’s age, career if any and gender. One of the best collectible porcelain doll manufacturers can be found in Germany. This is because of the intrinsic detail that is put into each one especially when the work is done by hand. France is another example which is why there is still a strong demand in the world. Naturally, there are others that make this but you cannot get the same craftsmanship and quality. Just how much do collectible porcelain dolls sell for? The cheapest one can be purchased for under $10 while others may go up to $500. But the most expensive especially the antiques are sold for $1,000 each. So, should you decide to buy collectible porcelain dolls, it is best to do some research first before you spend your hard earned cash. This will let you know which merchandise are valuable or saleable right now in the market and if your supplier has a good reputation that produces with the highest quality for the customer. One of the best places to find collectible porcelain dolls is eBay. This is because you won’t find what you an antique or limited edition version at the local or specialty store. If you do decide to buy collectible porcelain dolls online, you better ask if the price already includes the shipping costs. Once you get it, make sure that this is displayed properly and protected because they are after all very delicate. For those of you who are just starting a collection, it wouldn’t hurt to get one of those mass produced porcelain dolls at the toy store. Collectible porcelain dolls can sometimes be bought at the local flea market. You just have to go through each stall one by one. But if money is no object, then go visit an antique store.



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Conoce a la realeza y aristocracia europea

: Una de las maneras mбs fбciles para conocer a tu prнncipe o princesa es en los prestigiosos casinos de Europa. La realeza y Aristocracia salen a divertirse en cinco casinos en especial, y si estas adentro puedes hablar con ellos. Tambiйn podrбs jugar con ellos, y en contra de ellos, y si eres lo suficientemente bueno, podrбs ganarles. Es emocionante la idea de haberle ganado a un rey. Estos cinco Hoteles Casinos te dan esta oportunidad. Aquн deberбs ir vestido elegante con traje o chaqueta y moсo y zapatos elegantes, solo asн te dejaran entrar y ser parte de la aristocracia europea, para jugar a un partido o dos de bacarб con ellos. Los Casinos alistados aquн son los mas grandes y lujosos en Europa. Su clientela no es de turistas de la temporada, sino la alta sociedad. Asн que si estas buscando una forma lujosa de pasar un tiempo en el casino jugando a Dados u otro juego, puedes tirar los dados en uno de los casinos alistados aquн mientras que tus compaсeros de viaje se relajan en la rivera francesa, o hacen compras en las casas de renombre en Londres o Moscъ.

1) Casino de Monte Carlo, Mуnaco: Este es el sitio favorito de los ricos y famosos en Europa por mas de 150 aсos con el primer casino fundado por el Prнncipe Carlos III de Mуnaco en 1863. EL Casino de Monte Carlo es un complejo de cinco casinos "posh" ubicados en la costa decorados con un etilo rococу francйs con columnas enmarmoladas, ornamentos de oro y candelabros de cristal. El ambiente te harб sentir como un participante en una pelнcula de йpoca francesa. 2) Casino Metropol, Moscъ: La Federaciуn Rusa tiene la mayor cantidad de casinos y maquinas tragamonedas en Europa del Este.

Los mejores casinos para turistas son desde ya los que estбn ubicados en los hoteles. Casino Metropol, que no solo es uno de los mas elegantes en la zona sino que tambiйn es conveniente localizado en el centro de la ciudad de Moscъ a solo unos minutos del Kremlin. El monto mнnimo para las apuestas es de 25 en cada mesa y una noche en la suita presidencial cuesta 2,000 dуlares. 3) Baden Baden Casino, Alemania: El casino veterano europeo fue fundado en 1809 y a pesar de que ha cambiado varios dueсos desde entonces, su reputaciуn como uno de los mбs finos en Europa y en Alemania especialmente no ha cambiado.

Hoy en dнa, el Casino Baden Baden es una de las atracciones principales en la ciudad junto con los famosos baсos termales. Si ignoras a los juegos de mesa y las maquinas tragamonedas. Caminar por la enorme sala se siente similar a una visita a un museo de arte europea, con exhibiciones permanentes de уleo y esculturas. 4) Clermont Club, Londres Inglaterra: Si visitas Inglaterra, no puedes solo ir a cualquier casino sin ser miembro previamente. SI decidas seguir ese procedimiento, el Clermont Club en Berkley es uno de los clubes de apuestas con mejor reputaciуn alrededor. Construido en el siglo 17, fue diseсado para parecerse al Great Hall en Holkham. Tambiйn, el casino Clermont Club incluye una sala de apuestas amistosa y conveniente, con un bar donde los miembros y sus invitados pueden disfrutar de un banquete con una botella de champaсa de estilo.

Recuerda que jugar en casinos en lнnea es legal ahora en Inglaterra asн que puedes hacerlo desde cualquier cafй online. 5) Casino Barriere de Deauville, Francia: El elegante casino resort ha inspirado a Ian Fleming en su primera novela de James Bond Casino Royale. Fundado en 1860 por Duc de Morny, este extravagante lugar es uno de los hermosos casinos en el mundo. Ademбs de sus facilidades en apuestas, Casino Barriere ofrece variedad de entretenimiento exclusivo, espectбculos y eventos artнsticos.



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Academic studies abroad expands study abroad options in barcelona

Academic Studies Abroad, a leader in affordable study abroad programs, has signed an agreement with Griffith College Dublin to offer American students the opportunity to take classes directly with Irish students. “Up until now, there were very few opportunities for American students to take courses with Irish students in Dublin,” said Programs Manager Chelsea Kaloupek, “Only the very best students could get into the two main public universities in Dublin and everyone else was left taking courses with other American students at programs set up by American universities. “ Griffith College Dublin is consistently ranked one of the top private colleges in Ireland and is well regarding for its programs in Business, Communications, Law, Computer Science, Interior Design, Architecture, and Hospitality Management. As part of their agreement, American students with a grade point average of 2.5 or higher may apply to spend either one semester or a full academic year at Griffith College Dublin. For information: academicstudies. com or Contact: info@academicstudies. com Phone: (888) 845-4272



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25 festive christmas gift wrap ideas

Christmas is coming - soon it will be time to wrap holiday gifts! Do you want to do something different with your gift wrap this year? Here are twenty five festive holiday gift wrap ideas guaranteed to make your gifts look just as special as your holiday season! Many of these gift wrap ideas suggest adding ornaments to decorate your gifts. This can look pretty and be an added gift for the holidays. You can find inexpensive ornaments at Miles Kimball mileskimball.

com and also Lillian Vernon lillianvernon. com. Consider also visiting your local church holiday fairs and even your community's "dollar stores" for some pretty ornaments at very reasonable prices. These gift wrap ideas are ideas to inspire you. You may decide to use a different color ribbon or paper - and that's great. Or these ideas may inspire you to create your own gift wrap design with objects that you know the gift recipient will love. Enjoy the Christmas season with your loved ones! Stars Gift Wrap Wrap gift in paper with stars. Tie a gold or silver ribbon (depending on color of stars on paper). Add a star ornament to the top of this gift. Snowflake Gift Wrap Wrap gift in Silver gift wrap paper and tie a thick white ribbon around the gift. Add a snowflake ornament to the top of this gift. Nutcracker Gift Wrap The Nutcracker ballet is always popular at holiday time! Wrap gift in paper covered with images of candy and tie with a thick red ribbon. Add a small nutcracker or Nutcracker ornament to the top of this gift. Ballerina Gift Wrap Wrap gift in silver paper. Tie gift with a pink ribbon. Add a ballerina ornament, or toe shoes ornament to complete this gift. Angel Gift Wrap Wrap gift in paper covered with angels. Tie gift with a gold ribbon. Add an angel ornament to complete this gift wrap. Santa Gift Wrap Wrap gift in red gift wrap paper. Tie gift with a white ribbon. Complete gift wrap with a santa ornament, or card with santa on it. Fresh Pine Gift Wrap/Fresh Mistletoe/Fresh Holly Wrap gift in dark green paper. Tie gift with burgundy ribbon. Complete gift with small piece of fresh pine/mistletoe/holly tucked under the ribbon. Pine smells wonderful and perfect for the season! Mistletoe is a very romantic addition to a gift. Holly is such a pretty addition to any gift. Caution: mistletoe and holly should not be consumed by pets.(the Humane Society of the United States has a list of plants that are poisonous to pets - consider visiting this before giving someone a holiday plant. Visit their website to read article: http:// hsus. org/ace/11777). Jingle Bells Gift Wrap Wrap gift in Green paper and tie gift with a red ribbon. Use a piece of ribbon and place a jingle bell on it and then tie a knot to secure it. Do the same for the other side. Loop this piece of ribbon under the bow of the gift. Winter White Gift Wrap Wrap gift in white paper, preferably a paper with some texture to it. Wrap gift with a thick white ribbon. Complete gift with white silk flowers, preferably white poinsettia flowers. Red and Green Stripes Gift Wrap Wrap gift in red and green striped paper. Use a red ribbon and a green ribbon and tie two ribbons around the gift. The bow of this gift should have the two ribbons in it. Red Velvet Ribbon Gift Wrap Wrap gift in red gift wrap paper and tie gift with a thick red velvet ribbon. This is a very elegant gift wrap. Looks great with the jingle bell wrap too. Christmas Stocking Gift Wrap Wrap gift in gift wrap paper that has presents on it. Tie gift with red ribbon. Add a small Christmas stocking to the top of this gift. Personalize stocking with the person's name using a fabric pen or a glitter pen. Tin Soldier Gift Wrap Wrap gift in gold gift wrap paper and tie with a silver ribbon. Add a small tin soldier ornament to the top of this gift. Warm Woolen Mittens Gift Wrap Wrap gift in dark green and tie with a gold ribbon. Add mittens for the top of this gift, in a bright contrasting color such as pink, purple or even aqua. Poinsettia Gift Wrap Wrap gift in red or silver paper. Tie gift with red or silver paper, use silver if gift in red paper and red if in silver paper. Top with a silk poinsettia in red, pale pink or even white. Silk poinsettias are also available in metallic colors, great for a metallic gift wrap. Picture Frame Ornament Gift Wrap Wrap gift in antique gold paper. Tie gift with dark green or burgundy ribbon. Add a small picture frame ornament to this wrap. Baby's First Christmas Gift Wrap Wrap gift in paper with Christmas trees on it. Tie gift with gold ribbon. Add a baby's first Christmas ornament in gold or silver. Candy Cane Gift Wrap Wrap gift in red and white striped paper. Tie gift with red ribbon. Tuck a big candy cane under the bow of this gift. Cocoa Gift Wrap Wrap gift in holiday paper. Tie gift with dark green ribbon. Tuck two servings of cocoa under the bow of the gift. Carols Gift Wrap Wrap gift in paper with musical instruments or notes on it. Or paper with carolers on it. Tie gift with red or green ribbon. Print two or three favorite carols out on holiday paper and put in an envelope. Tuck envelope under the bow of the gift. Could add a CD or tape of carol music to this gift. Reindeer Gift Wrap Wrap gift in paper with santa's reindeer on it. Tie gift with red ribbon. Add a Rudolph ornament to this gift. Snowman Gift Wrap Wrap gift in white paper. Tie gift with dark green ribbon. Add a snowman ornament to this gift. Cinnamon Stick Gift Wrap Wrap gift in burgundy paper. Tie gift with dark green ribbon. Add three cinnamon sticks to this gift. Toy Trains Gift Wrap Wrap gift in scenic holiday paper. Tie gift with red ribbon. Add a train ornament to this gift. New Year's Noisemaker Gift Wrap Wrap gift in a metallic paper with lots of color. Tie gift with a metallic ribbon, silver, gold or even a metallic colored ribbon. Tuck a New Year's Noisemaker under the bow. Happy New Year! -- You are welcome to publish this article in your ezine or on your website. providing the byline and copyright notice remain intact and links are clickable. If you use it, please let me know by sending an email to: mailto:giftwrapgoddess@yahoo. com



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Learn to cook for the week ahead and save both time and money

42 Learn to Cook for the Week Ahead and Save Both Time and Money Okay, so you've worked hard to get your home organized and you've developed some strong skills to use at the office as well. You might be thinking you have it all covered at home since your pantry is organized immaculately and everything in your kitchen has its place. It doesn't change the fact that you're still busy working all day and driving kids to practice, running errands or taking care of your household in the evenings. Another thing you can learn to do to simplify your life is to plan your meals and cook in advance. Meal planning and bulk cooking are both wonderful techniques you can utilize and modify to fit your families needs. The idea behind this is simple. The principle is that you cook and or prepare your meals ahead of time and then preserve them by either freezing refrigerating them. It can also help stretch your food budget dollar further, since you can cook one large meal and get two or three other meals from it with the proper planning. Start by writing down a list of your favorite meals and plan on preparing a grocery list that will coincide with your menu. Since you're learning to cook in bulk, your shopping list will have to change accordingly so you're sure to have enough ingredients on hand when the time comes to do the cooking. The most important tool in meal planning and bulk cooking is your freezer. Freezer bags are a great space saver if you have a small freezer. You can fit many in the same space of a few storage containers. Be sure to incorporate lots of quick and easy meals that your family can warm up and serve themselves in the event you're not able to be at home for dinner or you just need to grab something that's quick. You'll also learn to love your slow cooker. Experiment with different recipes and variations on your favorites. They also make easy work of cooking whole chickens or roasts which can be frozen or refrigerated for later use very easily. You're only limited by your own imagination when cooking in bulk for the week ahead. Factor in the time you save by not having to do a lot of after dinner cleanup or dishes, and you'll be glad you took the time to master this important organizational skill.



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Poker hands

If you’re not a big gambler or you’re not one to play card games, then you probably have not played poker yourself. You have probably seen or heard a relative or friend play poker or you may have been told about how fun it is. Have you ever wanted to play poker yourself? If you have, http:// housemoney. com/Royal-Straight-Flush. html is the place for you to learn the very basics of poker. Poker is not a very difficult game, but it does take strategy and the knowledge of the cards to know how to play it successfully. Before you know it, you’ll be playing right along with your friends and family. It is said that poker has been around since the 15th century. However, there is no set date as to when poker actually originated. Poker is a card game in which the players are to bet on the value of the hand in their possession.

Each player places a bet into the central pot. The winner of the game is the player who holds the highest hand with the most value. Determining who has the highest hand is easy. There is a poker hand ranking hierarchy. There are many different types and variations of poker, but all of them follow the pattern of original poker play. In some poker games, hands can be formed by using cards that are from other players, or from a pot of concealed and community cards. Today, online poker has become very popular. Online poker is a single-player game. In poker, there is a popular variation, which is called Texas Hold ‘Em. Texas Hold ‘Em plays a big focus on the poker hand rankings hierarchy.

The royal straight flush is the daddy, so to call it, of all hands. It is rarely seen no matter how much a player plays poker. An example of a royal straight flush is an ace, king, queen, jack, and a ten card. After the royal straight flush comes the straight flush. This poker hand is still also very rare to see in a game of poker. This hand can consist of a jack, ten, nine, eight, and a seven card. After this comes four of a kind. This is when you have all four card types in hearts, spades, diamonds, and clubs. A full house comes next in the hierarchy.

A full house hand is when the player has three of a kind and a pair. An example is the queen of diamonds, hearts, and spades and then a pair of 9s. After the full house comes the flush, straight, three of a kind, two pair, one pair, and high card. To learn more about poker hands, visit http:// housemoney. com/Royal-Straight-Flush.



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Five steps to a clean garage workshop 174

Five steps to a clean garage workshop You park your car in the driveway and you still have to work on your projects in the back yard. If you don’t use your garage for its designed purpose, why not turn it into a tidy workshop? Here are five steps to turn your garage in a perfect small home workshop: 1) Create your own workbench from an old door, s ome sawhorses or scrap wood. 2) Mount a pegboard on the wall to store your tools. It would be a great idea to mount it above your workbench. Strategically place pegs according to the type of tools you will be placing on the board. After hanging your tools, trace around them with a marker so you will know where each one goes. 3) Use old jars for holding nails, nuts, bolts and screws. 4) Make a storage box for the rags because they tend to accumulate in the working area. 5) Use a small tackle box for transporting items such as screws and nails as you move around the shop. (word count 174)



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The health effects of being over weight

Both men and women around the world are becoming fatter and it's partly because of our modern lifestyle, too much fatty food and too little exercise. Some people say, 'Why should it matter if I'm overweight as long as I feel okay?' But being overweight does matter because it increases the risk of health problems such as heart disease, stroke, diabetes and some cancers. Being at a healthy weight on the other hand, can help lower blood pressure, make you feel better and give you more energy. If you need to lose some weight, here's some good advice from the National Heart Foundation. Change your eating habits gradually Everyone knows that losing weight partly involves cutting down on foods which contain a lot of fat. But this doesn't mean you have to change your eating habits overnight. You're more likely to make permanent changes to your diet if you make them gradually. Allow two weeks to stop eating biscuits with tea or coffee, for instance. When you're comfortable with this change, make another such as using less butter or margarine on bread, or switching to using low fat milk. Remember you don't have to exercise strenuously The secret of successful weight control is a combination of sensible eating and regular exercise. Aim for 30 minutes at least four times a week. You don't have to do 30 minutes all at once. It's okay to do ten minutes exercise three times a day. Walking, swimming and cycling are good. Don't expect to lose weight quickly It's quite common to lose weight one week and then lose none the next week. If you are exercising, you may find your weight doesn't drop at all. This is because your body is gaining more muscle which weighs more than fat. You'll still continue to lose fat and tone up, even if the scales don't show any weight loss. The way your clothes fit is a better guide to weight loss than weighing yourself all the time. As long as you are keeping to your plan of regular exercise and less fatty food, periods of no weight loss don't usually last more than two weeks. Eating to lose weight Fruit, vegetables, beans and lentils are the foods to eat most of every day. By filling up with these healthy, satisfying foods, you'll be less likely to want fatty snacks. You need only moderate amounts of meat, poultry, fish, nuts, seeds, dairy products. A moderate serve of meat, poultry or fish takes up about one quarter of your plate. If you eat dairy foods, choose reduced or low fat varieties. Use only small amounts of margarine, fat reduced spreads, butter, lard and cooking oils. Drink only a little alcohol. Reducing fat in your meals Trim all fat from meat and remove fat and skin from poultry before cooking. Use low fat cooking methods such as grilling, steaming, baking, stir-frying in as little oil as possible, microwaving or using non-stick frying pans. Avoid fried or deep fried foods. Let soups, casseroles and curries cool - this makes the fat harden on top so you can remove it before reheating. Snack on fresh fruit but limit cakes, biscuits, pastries, chocolate and packet snack foods. -- You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included. A courtesy copy of your publication would be appreciated.



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An opinion and a sample pack

In a world where we are inundated with a seemingly endless number of products from an even greater number of stores comparison shopping has never been more important. There is no better way to compare Generic Cialis products than through reading customer testimonials. As you look through the pages of our web site you will find real life customers relating their real life experiences with real life ED pill products. These are people just like you who have purchased generic Cialis products and will share with you their knowledge and experience so you can make an informed decision when you go to buy your own products. With our collection of customer testimonials you can not only compare generic Cialis products but you can compare Generic Viagra products as well. Did a customer love a product but hate a store?

Did a generic ED pill not work as advertised? Did a certain product fulfill all of the customer's wishes and more? Read through the testimonials for yourself and find out what real life people just like you have to say. Comparison shopping has never been easier with the customer testimonials now at your disposal. What are you waiting for? Our web site is here and the customer testimonials are ready and waiting for you.



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The mystery of hgh what is human growth hormone

Well, what is HGH really? HGH is the acronym for Human Growth Hormone. It was discovered roughly a half century ago, but it wasn’t until sometime in the 1970s that researchers and scientists actually figured out the job of HGH in the human body. For those in-between years, HGH remained an enigma compound? Even though it had been isolated in the human body, it remained a mystery substance. First of all... HGH is a protein compound, produced exclusively in one portion of the pituitary gland. Even after researchers knew the basics that it’s a protein and where the human body produced it there was argument over the part it played in the body. When researchers figured out that HGH had an significant role in regular growth, the race was on to figure out what the role was and how it could be used to assist those who faced issues with growth. In simpler terms... It’s not a huge step between learning the role of HGH and using it as a treatment for kids who weren’t growing at a conventional rate. Increasing the quota of HGH for those children who otherwise may not have grown sufficiently to do the things normal adults do drive a car, for example became a way to positively effect the lives of those youngsters. But the early days of those treatments were restricted by researchers capacity to successfully duplicate the HGH compound. Incidentally... At first, HGH was first exclusively accessible by collecting the HGH compound from the pituitary glands of cadavers. Post extraction, the natural human growth hormone had to be processed and injection was the only way to introduce further HGH into a person who required it. This type of human growth hormone supplement treatment was costly, time exhausting and limited. Only medical professionals could determine who should receive HGH therapy, and the known benefits were limited. One of the first things discovered about HGH is that it’s in the body of youthful children in abundance. As individuals got older, the HGH in their body decreased. While that sounds like a customary move in the course of aging, people soon thought to question whether increasing the amount of HGH in the body would be supportive also to older people. Old as the hills? HGH isn’t the only compound in the body that decreases as we age. You’ve probably heard of some of the other significant proteins that are plentiful in young people but less abundant as we age. Estrogen, progesterone and testosterone are amongst those compounds that are sometimes supplemented to help older people feel younger and healthier. The HGH protein compound is similarly beneficial as a dietary supplement. But why would HGH be beneficial to an adult? After all, most adults are attempting to part with weight, not grow, right? Actually, HGH has been discovered to help other adult issues as well. Anti aging is one of the benefits of HGH in adults. It can also drive more energy and enhance stamina. Never put off until tomorrow what you can do today.. HGH supplements and HGH products are now available as HGH dietary supplements, so that you can take an HGH releaser as part of your daily supplement regimen.



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Internet network marketing downlines that impede rather than help you

If you have been in the network marketing arena be it online or offline for a while you will know that there are some downlines that do not help your business grow in any way. This article identifies some downlines that you do not want working with you in your team and explains how to exclude them from your team at the start. Freebie lookers Internet Network marketing involves two elements, increasing your network and marketing be it online or offline. These downlines are looking for freebies and have no conception of what a business involves. Any business venture whether online or offline has the need for you to purchase a product and the need to promote the business. These downlines failing to realize this, spend lots of time in an endless search for free ways to promote their business online and like the popular adage “when you pay peanuts, you get monkeys”. To weed out such people you should always have in your welcome email something that states that you only work with people who are willing to follow your system as it will ensure their success. Tell them that you system involves costs like most other business ventures and can make them money if they work it like you do. Get rich quick We all know the reason why many people join internet mlm business ventures it is because of the money. However there is the concept of delayed gratification which is very hard for some people to swallow. They think that because they join online, their profits are “lightning quick”. Some even have the mistaken idea in their mind that they just need to find the “right program” online to make it big. This is patently wrong. Internet Network marketing is like all other business ventures and requires time, effort and training before you become successful. Thus in your marketing material and communications to your downlines, always teach them a system and tell them to work hard at it and not to expect profits to drop from the sky. The fastest way to get this kind of downline is to offer “free” this and “free” that stuff to them as they will not have the right mindset when they join your internet network marketing business. Complaining and paralysis with analysis Internet network marketing seems to paralyse people because of the great variety of business opportunities and ideas that are available online. Just looking though some of the internet network marketing business websites will give you an idea of the vastness of this “internet jungle”. I always have downlines asking me about the “next best thing” or complaining about what is wrong about this present business. You want to attract downlines who are serious about working rather than complaining into your internet network marketing business. To do this, some marketers have used the interruption pattern in their sales material. This uses business English which is pitched at a higher level of reader so as to weed out the casual surfer from signing up to join your internet network marketing business. In conclusion, attracting the right type of downlines is critical to building a good network marketing business online. Spending some time tweaking your advertising copy can reap you dividends in the long term in the form of better qualify of signups and people who are actually willing to work hard online. Copyright © 2005-2006 Joel Teo the Coolest Guy On The Planet



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