Las maquinas tragamonedas

: Si estas atraнdo por los juegos de azar, aquн te presentamos lugares recomendados en los cuales encontraras modos de pagos que te beneficiaran y demбs consejos. Siempre que juegues en maquinas tragamonedas deberбs asegъrate de jugar a max bet de una maquina progresiva. Esto es, ya que muchas maquinas solo pagan el jackpot (gran premio) si haz jugado max bet. Por eso, no debes tomar el riesgo, de jugar en maquinas progresivas si no si de todas formas no ganaras el jackpot. Verificar las reglas de cada maquina progresiva es esencial antes de apostar en casinos en lнnea. Las maquinas tragamonedas son emocionantes tanto en lнnea como en vivo, ya que sus ganancias son dictadas por un sistema de nъmeros al azar posicionados en programaciones de casinos. Siempre debes asegurarte que el sitio que elegiste apostar es serio y ha adquirido buena fama en su trayectoria.

Si apuestas, es casi seguro que disfrutaras la emociуn del desafiу de poder ganar el gran premio que ofrecen las tragamonedas. Las maquinas progresivas son las ideales ya que el pozo incrementa a medida que mas apostadores eligen aquella maquina para hacer sus apuestas. Es asн como puedes observar como las maquinas aumentan su pozo y mбs y mas jugadores las eligen. Las maquinas tragamonedas son muy populares debido a sus increнbles premios, solo invirtiendo una o dos monedas puedes ganar cientos miles de dуlares. Es asн como muchos jugadores son famosos por haber ganado el jackpot en las maquinas progresivas.

En la mayorнa de los casinos en lнnea, muchas maquinas ofrecen grandes jackpots, mientras otras tienen mas pequeсos. Hay aquellos que ofrecen 250,000 dуlares, o mas, los cuales se los lleva un jugador con suerte. Luego la maquina comienza de nuevo con una suma menor hasta volver a llegar al jackpot. La parte menos conveniente de las maquinas progresivas es que tienes menos posibilidades de ganar sumas menores menos seguido. Es decir, puedes llegar a ganar de pronto el jackpot, pero es menos probable ganar sumas mas pequeсinas que en otras maquinas. Es por eso que debes elegir la maquina tragaperras dependiendo en lo que buscas. Si buscas jugar por diversiуn y ganar sumas pequeсinas, no debes elegir la progresivas. Pero la suerte tambiйn influye por supuesto! A continuaciуn te presento una lista de 9 sitios en lнnea para apostar en maquinas tragaperras que son de confianza y tienen buena reputaciуn.

Disfrъtalas y verifica bien cada maquina antes de jugar! 1) Royal Vegas Casino 2) 7 Sultans Casino 2) Fortune Room Casino 3) Desert Dollar Slots 4) Sci-Fi-Casino 5) Casino Tropez 6) Carnival Casino 7) Vegas Villa Casino 8) Slotland Casino 9) Slots. com



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The secret of timeshare auctions

Timeshare auctions are tempting. You see great timeshare properties at great prices on various Internet Auction sites. You want a timeshare, but you’re nervous about bidding. You have heard “Internet Auction Horror Stories” and want to avoid a bad experience. But there’s good news. Timesharevalues. com not only sells timeshares, but it also purchases many through the Internet. We at Timesharevalues. com buy properties, office supplies, and personal items through Internet auctions.

We have seven tried-and-true tips for Internet auction success: 1. Start a Dialogue with the Seller as Early as Possible You want to know if you can work with the seller. Does the seller respond quickly? Does the seller give complete information? Remember, some people don't communicate well in written form. Just because they have some typos and poor grammar, don’t rule them out. Responsiveness, tone, and information are key. There is also nothing wrong with a phone call. Savvy bidders call us all the time. 2. Make Sure you Have all the information about the property you are interested in. You should know: * The name and location of the property. * How many bedrooms and bathrooms does the unit have? * What exchange company(s) does the resort trade with? When is “first use” for the winning bidder? (“First use” is the earliest time the winning bidder can use the property.) * What is the annual maintenance fee? Is it paid, and does the seller want to be reimbursed if first usage is this year? * What are the sizes of the beds in the unit? * Are there any special assessments this year? Are any expected next year? 3. Set Your Budget - and Keep to It Do some research and see what similar properties sold for recently. Determine how these properties are selling on the resale market. A good place to find this information is http:// timeshares. com, the leading portal for the timeshare property industry. Find a reliable auction site and register. Check our marketplace section for recommendations: http:// timesharevalues. com/Marketplace/auctions. htm. Find a property you’re interested in, then enter your bid based on your budget amount. Remember, the auction sites will increment your bid automatically. If there is little competition, you probably won't reach the upper limit of your bid. In popular auctions, you may be outbid, and most sites will notify you via email. In the auction world, there is no better feeling than winning at a bargain price. On the other hand, there is no worse feeling than winning at a price higher than you wanted to pay. We have found that properties auctions go in cycles. Every time we sell property in Hawaii, for example, we are contacted by Hawaii owners looking to sell. Once a new property goes up for auction, other owners at that resort get bold and try to sell theirs. The moral: There will always be other properties; it pays to be patient. 4. Determine Payment and Owner Transfer Methods Before the Auction Ends The range of payment services has grown dramatically. Email your seller before the auction ends to understand the choices you have. If the seller is vague or does not offer you a choice, you should be careful. You want to know if the seller is just preparing a Quit Claim deed or a Full Warranty deed. The seller may not know the difference, especially if he or she is the owner. A Quit Claim deed means the property is transferred to you “as is”. Anything owed is your responsibility. A Full Warranty deed states the property is free and clear upon transfer, and the previous owner will pay any fees, liens or encumbrances that are discovered later. If the seller is an owner, he or she may not have a good idea about how to close the property. Feel free to email us for closing options you can use in your timeshare purchase or share with the seller. 5. Check Out the Seller's Transaction History All major auction sites provide a rating system for both buyer and seller. For example, on Ebay the rating is the number in parentheses next to the seller’s name. If you click on the number you will get a history of that seller’s transactions and feedback from Ebay members who have bought from that seller. TimeshareValues. com’s feedback is a little under 350 emails. We have more than 370 positive comments, but comments from the same person are only counted once.) You are looking for a seller who has consistently generated positive feedback. In the case of Ebay, we have had two negative experiences and (number) positive experiences in almost three years of selling goods on Ebay. In both instances, the buyers were uninformed and tried to get out of a purchase they should not have made. Getting negative feedback is sometimes out of the seller's control, but a consistent pattern should be a warning flag. 6. Determine Your Objectives BEFORE you Bid Ask yourself: * Is this your first timeshare or are you adding to your portfolio of property? * Will this be a property you actually intend to visit, or do you plan to trade the property after you buy it? A first unit - we call them "landmark properties" - should be in a location that you plan to visit three times every four years. You would tend to bid higher for this property, and you may be concerned about the annual maintenance. The location and unit size and amenities are important to you. A trader property - one you want for its trading value - may have a variety of features. You can be more flexible, and you can control your bidding a little more. You are looking for value in both the purchase price and maintenance fees. 7. How to Win When You Lose Imagine you were just outbid on your dream timeshare in Kauai by $10. You were ready to bid and the auction ended. It happens all the time. Last minute bidders “snipe” your position, leaving you more than a little frustrated. But there is hope. Your first step should be an email to the seller right after the auction closes. Tell the seller very clearly you would like to purchase the property in the event the winning bidder does not complete the sale. Sometimes the seller has multiple timeshare weeks at the same property, and can sell you another block of time immediately. Winning s sometimes get cold feet, especially those who didn’t use seven tricks in this article. Sellers have no desire to keep offering the same property at auction. Solve their problem and get a timeshare! Make sure you get agreement on a property’s price when you contact the seller. If the property is popular (more than 20 bids) you might want to use the winning bid amount. If the property has fewer bids, you can use your last bid amount. Most negotiation books tell you to never throw out the first price, but we believe this situation is an exception. You are a backup buyer, so you have to make the seller feel confident in contacting you. It is not considered “good form” to offer more than the winning bid. We had a second place bidder do this recently. It defeats the purpose of an auction, and if they have more than one piece of property, you would have overpaid! Remind the seller he saves money and time dealing with you as a backup buyer. Summary We admit it. We are biased when it comes to timeshares. They’re great ways to travel. A comment we heard a few years ago from a veteran timeshare owner rings true today: “Since I bought a timeshare I consider roughing it a hotel room stay.” So do we. A well-maintained timeshare will spoil you very quickly. Auctions are the best way to purchase a timeshare property They let the buyer focus on the best property for their needs and at a price they control. Our seven tips should help you bid with confidence, and have fun at the same time. Good luck!



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5 simple steps earn an easy roth ira million

So, you wanna earn a million dollars, super-duper easy? How would you like the federal government to give you a big, huge tax break? Wouldn’t it feel deliciously good to earn a Million Dollars of income, completely tax free? How would you like to earn a million dollars of income passively, quietly, without lifting a finger? Well, put your seatbelts on, folks, because in a brief nutshell, I’m going to introduce you to the financial vehicle that you’ve been looking for! Welcome to the wonderful world of investing through a ROTH IRA in 5 simple steps: 1. What is a ROTH IRA? 2. Which way should I go…ROTH IRA or Traditional IRA? 3. When Should I start Investing in a ROTH-IRA? 4. How Long Before I Earn $1,000,000 – One Million Dollars? 5. A Checklist Before we proceed, A couple things to please keep in mind. A ROTH IRA, while completely simple and easy for all of us to understand, is not without complexity, and each individual is different. Laws change, so always check with your financial advisors before proceeding to take action. The information contained in this journal are solely the opinions of this writer, so be sure to seek out solid financial advice before making any important decisions. Be sure to do your own research and conduct your own financial assessments prior to changing any investments or making any new financial decisions. While I welcome the opportunity to introduce you to the ROTH IRA in my own words, please make sure that you assess your retirement plans on your own, alongside those financial advisors that you trust and rely upon. With that said, let’s proceed! 1. What is a ROTH IRA? A ROTH IRA is a wonderful product that came into existence as a result of the Taxpayers Relief Act of 1997. It is a new tax-shelter for the average American, and a new opportunity to take advantage of certain benefits that were previously unavailable. A ROTH IRA, in part, reverses the process from that of a regular traditional IRA account. The down side is that there are no tax deduction benefits for your contributions. The plus side is that the contributions you make, are POST-TAX…In other words, you’re not using the ROTH-IRA before taxes are taken out of your paycheck. You’re using the ROTH-IRA from your Net proceeds of your paycheck, or after taxes are taken out. Why is this absolutely wonderful? Well, I’ll get to that in a minute. Most of us can add up to $3000 (as of 2004) per individual into each account per year. Now of course, if you’re married, then you can add up to $6000 per household, combined into two ROTH-IRA accounts, per year! That’s enormous. Absorb that for a second. You and your family, can invest $6,000 additional monies, per year, in a tax-shelter, that will earn revenue TAX-FREE! After 5 years, the principal can be distributed, even though the earnings should remain in the account to avoid taxation and penalties. What this means is, that you are not restricted completely from this money. After 5 years, options become available to you. This is nice, because this means that you do not, necessarily, need to wait until retirement, to extract funds, should the need arise. Of course, early withdrawal penalties may exist as they do in many tax-shelters, however, the point is that there is added flexibility in the ROTH-IRA, that was previously unavailable. 2. Which way should I go…ROTH IRA or Traditional IRA?...Perhaps! Now whether to go with a ROTH IRA or a traditional IRA account is really up to you and and your financial advisors. This is a subjective decision, and each persons needs and requirements are different. Here are a couple things that I keep in mind, however, when I’m examining the ROTH-IRA for my family: Do I have a 401k, and a company sponsored Savings or Pension plan, and a Bonus plan, and a variety of other tax-shelters, and retirement programs? If I do, then perhaps I don’t necessarily need a traditional IRA account, because I already have investments working to my benefit, pre-tax. Perhaps if I were to sit down and do the math, I would see that all my pre-tax bases are covered. What I need now, is the next step…What I need now, is a way for my family to invest my POST-TAX dollars smartly. What I might need, is a ROTH IRA…Perhaps. Am I planning on extracting the EARNINGS of this fund, before I retire? Now, I’m not talking about the Contributions. This is an important distinction that was previously discussed. I’m talking only about the Earnings. Anyway, if the answer is YES, then I may want to look into a regular, typical, standard brokerage account, and forget IRAs altogether. Remember, both the ROTH-IRA and the Standard IRA are designed as tax-shelters that the average American family can use to grow their assets for retirement purposes. If my assets are much larger and robust, then perhaps a ROTH IRA may be small potatoes, too restrictive, and I should just go with a standard taxable account for much greater flexibility…Perhaps. Do I have very few company-sponsored retirement choices? Do my earnings place me in a higher-tax bracket, and thus, I might need to seek out the benefits of a tax-deduction? Do I already have a traditional IRA, and thus, I may need to consider whether or not a “conversion” to the ROTH-IRA is a benefit or a penalty? Is the Traditional IRA a better choice for me? Perhaps. And of course, there are so many other questions that go into this important decision. However, perhaps the above points will help you get a feel, a direction, an overall understanding, of which choice may be better for you. Personally, I think the ROTH IRA offers the most compelling benefits to the most people. It certainly does for me and my family. So, as you journey forward in examining these two tax-shelter accounts, make sure to ask the important questions, as the ones I’ve suggested above. 3. When Should I start Investing in a ROTH-IRA? The ROTH-IRA is a fabulous “next step” on you journey to cleaning up your financial house, and moving from the reactive you, to the wealth-building active you. Don’t start with a ROTH-IRA. Think of it as the icing on the cake. Your first steps should always be the basics. Get your finances in order. Pay off your debt, create a budget and develop good spending habits. Work towards exploiting all of the retirement benefits that are available through your employer or business, such as a 401k, a Pension account, company stock options and contributions, You see, the ROTH-IRA becomes important, when you’ve done all of these other things. Now, you are asking yourself, “What else can I do, to build wealth faster?” That’s Excellent! And that’s the time, when the ROTH-IRA is the best, obvious next choice! Do you own your home yet? If you don’t, than might I suggest that you consider this as your most important priority, pre-ROTH-IRA. In 2003, our Real Estate in the Sacramento area, overall, appreciated 15.5%! All you have to do, to enjoy this amazing financial vehicle, is to simply own your own home. Now it may not always be as amazing as 15.5% appreciation, but overall, arguably, there is no faster, easier, and better way to get to wealth, then through home ownership. . 4. How Long Before I Earn $1,000,000 – One Million Dollars? One second...Taking out my trusty calculator.... Assuming 9% investment earnings Assuming a monthly investment of $500... I'm making the assumption that you're married, and you're investing into 2 ROTH IRAs, rather than one...Thus, I'm going to calculate on a per family basis...If you're only an individual, you can only calculate for one ROTH IRA, and your monthly investment would be $250. Ready? Here we go… So it would take the average American family about 30 years to get to One Million Dollars. I hope you realize how EXCELLENT this is for you. I know 30 years sounds like a long time, but we’re talking about PASSIVE wealth building, easy wealth building, painless wealth buildling, and automated wealth building for your retirement. You set this up, and all you have to do is go to work every day and live your life. The ROTH-IRA account, alongside all your other investment programs, will be building your wealth in the background, and remember I said this was icing on the cake? Well, don’t forget, you should also have REAL ESTATE, your 401k, your pension, etc. With all of this working in your favor, truthfully, you’re not just talking about one million dollars, you’re probably talking about working towards a retirement goal of three million dollars or more, all from passive investment programs, like the ROTH-IRA. 5. The ROTH-IRA Checklist Take one step at a time my friend. Start with passive wealth generation, and then go from there. Here’s a brief recap-checklist to consider: Clean up your debt. Develop a budget, and practice good spending habits. Participate and maximize your employers’ 401k program. Participate in your employers’ Pension, Savings, and Company Contribution programs. Own your own home. Contribute into your own ROTH-IRA account. Develop other avenues beyond passive wealth-building. We’ve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense. Publisher’s Directions: This article may be freely distributed so long as the copyright, author’s information, disclaimer, and an active link (where possible) are included. Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.



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Choosing the best life insurance option for you

Life insurance in is becoming more and more popular with many people now realizing the importance and the benefits of a good life insurance policy. There are two main types of popular life insurance, both of which offer a range of invaluable benefits to consumers. Level Term Life Insurance Level term life insurance is the most popular type of life insurance policy with consumers, and this may be because it is also the cheapest form of insurance. With level term insurance, you and your family can enjoy peace of mind at an affordable price. If you die during the term of this insurance policy, your family will receive a lump sum payment, which can help to cover a number of costs as well as provide some degree of financial security at what will inevitably be a difficult time. The money could assist with costs such as: Mortgage repayments Funeral costs Education costs for the children Day-to-day living One of the reasons that level term life insurance is a fair bit cheaper than other life insurance is because the insurer only has to make a payment if the insured party passes away, and even then the insured party has to die during the term of the policy for the next of kin (or the named beneficiary) to be eligible for a payout. One of the great things about levels term insurance is that you can benefit from cover for just a few pounds each week, and because the payments remain the same throughout the term of the policy, you'll never have to worry about rising payments. The reason why a level term insurance policy is so called is because the repayment remain level throughout the term of the policy, so you will never have to worry about the cost of your policy rising. The policy is also taken over a fixed term, which is where the 'term' part of the policy comes in. This means that you can enjoy easy budgeting and low cost repayments, and you'll know exactly how long you will be making payment for. On the downside, once the policy expires you will not be able to reclaim any money and the policy will be cancelled, so you will then need to look at taking out alternative life insurance cover. The average term of a level term life insurance policy - unless otherwise specified - is fifteen years. There are a variety of factors that contribute to the cost of the policy such as whether you go for the most basic package or whether you include a bolt-on such as critical illness cover, whether you are a smoker, your general health, and the term over which you take the policy out. Whole Life Insurance Unlike level term life insurance, whole life cover offers a guaranteed payout, which to many people makes it better value for money in the long run. Although the repayments on this type of cover are more expensive than level term insurance, the insurer will make pay out whenever the insured party passes away, so the higher monthly payments will guarantee a payout at some point. There are a number of different types of whole life insurance policies, and consumers can select the one that best fits their needs and their budget. As with other insurance policies, you can tailor-make your whole life insurance cover to include additional cover such as critical illness insurance. The variations on whole life insurance cover include: Non-profit UK whole life insurance policies: This is the simplest form of whole life cover, and enables you to enjoy the convenience of level payments through the term of the policy until you die. Upon death, your family received a payout and the policy becomes null and void. If you want to pay a little extra, you can take out a policy that is fixed over a specified term, which means that you will only be making payments for a certain amount of time, but your family will still receive a payout when you die. With-profit UK whole life insurance: This is a cover and investment type scheme, where your monthly payments are split between your cover premiums and the investment side of your policy. You will enjoy a guaranteed assured sum, and you may find that your insurer adds discretionary bonuses. Low cost whole life insurance: One of the cheapest forms of whole life cover, this type of policy features a decreasing term plan, and the policy is combined with a profits fund. As bonuses are added to the profit side of the policy, the policy term decreases. This provides a cost effective solution for those that want to enjoy the benefits of whole life insurance cover without having to make high monthly payments. Unitised UK whole life insurance policy: When you purchase this type of whole life cover, you will also be investing in with-profit units. This means that when the insurer makes a payout, the sum awarded will be dependant upon the value of the units in comparison to the value of the death benefit (the payout will be based upon whichever is the highest in value). Each month units are cancelled in order to increase levels of death benefit cover, with reviews carried out from time to time to ensure adequate levels of death benefit cover. Summary Both level term insurance policies and whole life policies offer valuable peace of mind to policyholders. The cost of this type of life cover is a small price to pay for the peace of mind that comes with being protected, and you can increase this peace of mind by adding extras such as critical illness to your policy for just a small extra fee. As a nation, we like to insure just about everything we can…our cars, our homes, our belongings, our pets, and even our credit repayments. It therefore makes sense that we should insure the most important thing of all - our lives.



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Selling your home in the winter

In many parts of the country, selling a home during the winter months can be a challenge. Dreary, cold weather and the end-of-the-year holidays can keep buyers away and heighten fears of your home staying on the market longer than expected. However, there are a few things you can do to enhance “curb appeal.” And when that happens, buyers will take notice. For example, if your home has been on the market for more than six months, its probably time to change the sales approach.

There are several factors that could be reviewed with your real estate agent to determine improvements that can be made. Ask for a reassessment of the sales price; it may be too high for the current market. Also, ask the agent for a new or updated marketing plan and ask for a specific explanation of each activity. Marketing your home goes beyond a few ads in the newspaper and a listing on the Multiple Listing Service (MLS); a good agent will do more to get your home sold. If your current agent doesn’t respond to your satisfaction, you should contact the real estate broker (the owner of the office) and ask for a different sales agent – or, if you’re no longer under any contractual obligation to the firm, it might be time to change real estate offices entirely. When setting the asking price through a comparative marketing analysis, compare similar homes sold in the winter months. Many owners set their asking price too high because of comparisons with sales prices during peak seasons.

Always try to compare like properties sold at the same time of year. Once you’ve settled on an asking price, its time to spruce up the interior and exterior of your home. Many real estate agents recommend opening as many curtains as possible to add light and color to rooms. Also, it’s suggested that you keep spring and summer pictures of your home out on tables and in clear view. Photos of your front yard flowers or the backyard shade tree in full summer bloom can help swing many buyers in favor of a purchase. Staying on top of winter maintenance and chores is another sure-fire way of adding value to your home. A neatly shoveled driveway and cleared walkway can add a nice touch.

Make sure the furnace is in good working condition and that the room temperature is kept at a comfortable level. Also, check to see that the basement if dry and sealed from any drafts. Take yourself on a tour of your home. Start in the basement and work you way through the house. More than likely you’ll see many previously undiscovered cluttered spaces and needed repairs that can turn off potential buyers. Don’t overload your home with holiday decorations, either. The buyer should have a chance to see you home in its everyday condition.



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Business process outsourcing companies

BPO Companies-the Latest Business Trend The world of business has dramatically changed and continues to rapidly change every single day. What we know today can only last for a few months or years, if we are lucky. What we know yesterday might as well be considered a thing of the past tomorrow. That is how fast the business world is changing. So companies all over the globe have to learn to adapt and do it fast. Before, the business trend is to be a jack-of-all-trades. To be successful, a business has to have everything a client needs in one roof-a one-stop shop. And companies of olden times try to do just that. Hire all the kinds of personnel they need for every department in their company. However, that is a thing of the past now. The economic market today requires specialization. Consumers want to have every product or service tailored to their particular need. Consumers don’t want generic products anymore. They want special treatment and the best of quality service they can get. So, having everything under a company’s roof does not seem useful anymore. Keeping all business processes under one roof now proves not only to be costly but impractical as well. This is because monitoring each and every one of them to ensure the best quality is served and tailored to every client need has become tedious and almost impossible. Keeping experts in-house is also proved to be expensive in the long run. The need for specialization and focus on the company’s real core business has spun the trend of hiring Business Process Outsourcing companies, or what is more popularly known as BPO. Business process outsourcing companies have now sprouted and proliferated in countries where labor cost is not so expensive, such as China, India and the Philippines, and lately, the Middle East. BPO companies in these countries and region provide services to bigger, more often multi-national, companies that want to focus on their core business processes so they just delegate generic tasks, or processes that are of lesser importance, to outside provider or supplier of services. The philosophy of companies these days is to "...do what they do best and outsource the rest." And it is a very sensible philosophy at that. And more and more companies are catching on it. The list of services that are most commonly outsourced include, HR solutions, Accounting and Financial Services, Customer Care Services, Call Centers, IT Help Desk Services, Marketing tools and solutions, and other nitty-gritty details that most companies want to be free of. These are necessary business processes-yes, that is true. However, companies now realize that it is more practical to delegate these tasks and focus on sales or production, or whatever their company is all about. In India and Philippines, more and more BPO companies are establishing business centers in their territories, capitalizing on the affordable workforce cost and the abundant supply of highly-trained trained professionals. The Middle East has also become one of the newest hub for BPO companies for its multi-lingual populace and its strategic location, giving it a favorable time zone. Added attraction for this region is the possibilities for oil investments and business expansion opportunities. In India, you can find the following successful business process outsourcing companies: Accenture; Convergys; HCL BPO; Genpact; GE India; IBM Daksh; TCS BPO; Transworks; Wipro BPO; and WNS Global Services. Meanwhile, the Philippines’ list of BPO companies includes companies from the United Kingdom, the United States and Japan.



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Plus size apparel shopping tips

Shopping online can be like hitting the jackpot if you are looking for locally hard to find items. Depending on where you live, plus size clothing and apparel can be a tricky item to buy locally, especially if you live in smaller towns and cities. Many local department stores do carry plus size and full figured items, but the clothing is usually not very flattering, of good quality or the style is out of date. Where to find quality plus size fashions online? By using a search engine, you can do a search online for plus size clothing or plus size apparel. That's where the headache starts.

You will find thousands and thousands of search results to wade through that may or may not be what you are looking for. This can be a frustrating and time wasting experience when all you want is to find that perfect black dress to buy. A few tips for searching online: Try to be as specific as you can when doing your searches. Search for terms like black dress plus size or plus size swimsuits. You can also try an advanced search by placing your search term in quotes like this: "plus size pantsuit". By using quotes with your search terms, the search engine will show you results that have that exact term in their description rather than the words spread out all over the page. That can usually guarantee you'll find a website offering plus size pantsuits. If you're looking for a specific color, see what happens if you include that in your search term. The term "Navy plus size swimsuit" in quotes can really narrow down the amount of search results you would have to pick through if you just used plus size swimsuit. Permissions: This article may be reprinted only on the condition that the content is not altered in any way and the links and anchor text are kept active and intact.



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Seven ways to make your customers feel important

: Two important pre-reading notes: Before you chose to read or not read this article, let make two things clear. Everyone has Customers. Even if you work in an internal staff department in a large firm, you have Customers. They are the people you provide work to. And second, don’t be put off by the term Customer. Maybe you call them Clients, Students, Patients, or (heaven forbid!) Users. If one of those words works better for you, read that word every time you read Customer. Now that I have eliminated your reasons for not reading, please continue .

. . We can read lots of books and articles about Customer Service strategies and how to build processes that will serve Customers more successfully. All of these things are valuable, but if we put all of our focus on processes, systems, strategies and procedures we may lose track of something very important. Customers are people first. This means that each of your Customers, like everyone else, wants to feel important. It a universal truth - we all want that feeling, and will gravitate towards those that make us feel that way. Hint: Having Customers gravitate towards you is a very good thing. Here are seven ways that you as an individual, regardless of any corporate policies or systems, can make Customers feel more important, written from the Customer’s perspective: Please use my name. I know I may have a Customer or registration number and that I might need to give that to you. But I also know that once you put that number in the system, you know my name.

Use it. If I hand you my credit card, now you know my name too. Please use it. I want to be a part of the “in” crowd. That’s why I like being invited into Frequent Flyer clubs, frequent buyer clubs or anything that provides me with discounts, special services, education or surprises. If you have this kind of club, invite me to join. If you don’t have one yet, please think about starting one. Ask me for my advice. I have an opinion, and if asked in the right way, at the right time, when I know you really care about the answer, I’ll give you that advice. Opinion cards may be OK, but I would love to be asked personally. Give me the chance to tell you what I think, and I’ll reward you with more of my business. I don’t often get asked for my opinion and it feels good.

And who knows, you might even get a great idea for a new product or service. Acknowledge me. I know you are busy sometimes. I can see the line. I even understand that your system might be down, or that you have five people in the phone queue. I’ve been there, I work too. But when I call or come by, acknowledge that I am there and let me know you are glad I’m in the line.

A smile and a hello, or a “We’ll be with you shortly” will go a long way. Acknowledge me and I’ll understand. Ignore me, and well, how do you feel when you’ve been ignored? Surprise me. A little extra something with my order or a hand written note would be nice. A special discount “just because” or a free sample of dessert. It doesn’t have to be a big thing, and it doesn’t have to be every time.

If you get a good surprise, do you want to share it with others? Me too. Apologize. I hate it when people try to prove they were right, or don’t mention that fact that the order is three days late, or the surcharge can’t be removed, or the item is out of stock. But again, I know things do happen. When things do go wrong though, please give me a simple apology. Here’s the funniest thing. When you make a mistake, and then apologize (perhaps even including a surprise of some sort) I’ll love you more than ever. Apologies and good service recoveries are so rare that you can take my dissatisfaction and turn it into loyalty, if you will do this right.

Listen. Most all of the other things I’ve told you require you to listen. I can tell when you are really listening to me and that makes me feel very good – because true listening is rare, sometimes even at home. Listen to my concerns. Listen to my ideas. Listen to my order, so we don’t have any misunderstandings.

When you really listen, you can’t believe how good that makes me feel. All of us can do most of these things each day. When we do we will make our work more enjoyable, easier, and quite likely will begin creating legions of loyal Customers immediately. And before you go, read these seven things again, with the voice of one of your Customers in your head, as a reminder of how you can make each of your Customers feel more important.



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The american english accent the voiced and unvoiced

The voiced and unvoiced consonants In this section we will try to clarify the difference between the voiced consonants and the unvoiced consonants. If you want to master English pronunciation you have to able to distinguish between these two types of consonants. This is necessary for you to learn the proper pronunciation when you learn new vocabulary. And more importantly you need to know the difference between voiced and unvoiced consonants to be able to pronounce the words of English correctly. What makes one consonant be voiced and another not? A consonant is voiced when it makes the vocal cords vibrate. It is voiceless when it is pronounced without vibrating the vocal cords. The sound of the letters "p" and "b" For example, the sounds indicated by the letters "b" and "p" differ only in their vocalization (voicing). The are both "bilabials", that is, they are produced by closing both lips. But the "b" is voiced and the "p" is unvoiced. In this article, we will follow common practice and indicate the letters of the alphabet with quotes (“b” and “p”) and the sounds with slashes (/b/ and /p/) You can appreciate the difference by lightly touching with the tips of your fingers your "Adam's Apple" (the voice box that you can see in the front of your throat) as you pronounce the word bowl . You can feel the vibration with the tips of our fingers. Concentrate on the first sound, the consonant /b/ before passing to the vowel represented by the "o". Notice that you can lengthen the sound (something is heard!) without the "o". This is because /b/ is a voiced consonant. Now pronounce the word pole. Do you feel the vibration in the vocal cords? No. The reason is that /p/ is an unvoiced consonant. Notice that you you can't lengthen the sound or hear anything. When you pronounce these sounds, don't forget the advice we already gave you in other articles: exaggerate the value of the vowel "o" with a strong English accent! Listen to the following exercise until you can distinguish betwen the two sounds and produce them yourself. You should be able to telll the difference between the /p/ and the /b/ in the sentence The doctor said: "Bill, take your pill! Try it now! The sounds of the English letters /k/ (sometimes "c") and /g/ It is not only the sounds /p/ and /b/ that are voiced or unvoiced. The same distinction holds for the sounds represented by the letters "k" y "g" in the International Phonetic Alphabet. By the way, do you see that it will not be hard for you to learn the symbols of the IPA? Many of the symbols, like the k and the g are already familiar to you. They are the normal letters of the alphabet. The IPA symbol k interests us now. It is the "hard" sound of the letter "c", the sound that the letter "c" usually takes before the letters "a", "o", and "u", for example in the words car, coat, cube. Now can you see how the IPA system makes it easy for you to learn the pronunciation of new words? Now, we don't have to worry that sometimes the letter "c" has the sound of the IPA symbol k (as in the word cold) or that sometimes the same letter "c" of the English alphabet is pronounced as the IPA s (as in the words cell ). ! Now try to feel in your voice box the vibration in the word coal! You can't because it is the unvoiced partner in the pair. If you touch your voice box while you pronounce the word goal, you do feel the vibration because the sound g is voiced. Practice the two words coal and goal. But keep on pronouncing the the English vowel with its lengthening. Exaggerate the English language character of the vowel. Don't pronounce it as if it were col or gol in your language. And also remember the explosive nature of the consonant represented by the "c" in English when it is pronounced as the IPA k. Blow out the candle when you say coal. Pero… ЎQuй no suene como si hablaras de repollo (la col en el Perъ) o del fъtbol (el gol)! ЎCuidado con tu acento hispano! Did you notice that we review various important things about the English sounds as we move along in this book. From now on, in your listening and in your practice, you must remember the explosive consonants, the special English vowels, and the voiced or unvoiced consonants. Listen and practice all these essential elements of English pronunciation. The sound of the letters "t" and "d" Consider the pair of words tear and dear. Do the same with these words as you did above with the pairs of words coal and goal, and pole and bowl. Can you distinguish which of the initial sounds is voiced and which is unvoiced? Both are pronounced in almost the same place in the mouth but the initial sound of these two words is different in that the letter "t" is usually voiceless and the "d" is usually voiced. However, do NOT think that the letter "d" in English is always voiced. You will see that sometimes this letter "d" represents a voiceless sound. This is a VERY important lesson in the pronunciation of English and when you learn how and when the "d" is unvoiced it will be a valuable tool for you in your mastery of English. This difference between the letters "d" and "t" in English is very important in the matter of the past tense of verbs. We will treat this elsewhere. Also there is another pair of voiced and unvoiced consonants, the sounds represented in English by the letters "s" and "z". We will study them in their most important contexts, that of the third person singular of the present of verbs, and that of the plural of nouns. But for now, concentrate on the consonants we just looked at. Now listen and practice! Listen wherever you can (or listen in our book) to the different pairs of voiced and unvoiced consonants. Then make them yourself. P and B K and G T and D This lesson is taken from the book, “Word Power” which contains sound files that let you hear the vowels and consonants and practice their pronunciation.



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10 tips on working at home with young children

Working at home can be stressful, especially with small children in the house. Where is the balance between work and home when home IS work? Here are some suggestions to help both you and your kids make the most of each day at the home office. 1. Try to get up at least an hour before the children. This gives you some quiet time to assess your daily priorities, stretch your body and mentally and physically prepare for the day ahead. This is YOUR time. It is of the utmost importance. Meditate at least 10 minutes in the morning. Visualize your day going smoothly. 2. Make sure that your children have your full attention when they first wake up. Give them hugs and kisses. Make them breakfast. Enjoy some snuggling and laughter. These are precious times that will not always be here. Give your children the gift of being present in the mornings. 3. Develop a routine with your kids. Keep your schedule essentially the same every day, but don't be a slave to the clock. Each morning, set up a selection of fun things for them to do that will keep them happily entertained such as crayons and markers, table toys, play dough, watercolors or a small indoor sandbox with digging toys. 4. If you can afford it, hire a nanny or a school aged mother's helper to come into your home for just a few hours a day to play with and attend to your children. This gives you total solitude at least for an hour or two, even if only a few times a week. 5. Don't devote a set block of time to your work each day. Instead, have certain objectives, such as "I will work for 4 hours today." Work during nap time. Sneak a few minutes during lunch or whenever the children are happily playing. 6. Allow for some flexibility, but don't just abandon your work if the kids are not cooperating. You can be creative. Take them outside for a while. Let them be active with you and they will most likely give you the downtime you need to get some work done later on. 7. Let the kids help with small tasks. Let them staple, paper clip and help you "sort" or cut. They may not actually be assisting you with your work, but they will enjoy it and it makes them feel important, as if they are helping Mom with her work. Be sure to thank them for their help. 8. Try to save things that can be done after hours, such as internet work, filing, paperwork, checking emails etc. for when they have gone to bed. You will find that an hour of quiet working time will enable you to catch up on your day. 9. Stay in the present moment. If a kid needs a hug or some juice, don't put them off or push them away. Remember the reason we wanted to work at home in the first place? So we can spend more time with our families. Give the hug...get the juice. Do it lovingly and be grateful for the opportunity. 10. Enjoy the journey! Life is too important to waste being stressed out about your business. Our children, their happiness and comfort are far more important that our business. The little things will take care of themselves when we are in the frame of mind to enjoy what we are creating for ourselves.



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Real estate homes on market taking much longer to sell in past six months

On average, the length of time required from real estate listing to contract has increased dramatically in the U. S. in the past six months, according to HouseHunt’s latest national “Current Market Conditions” homes for sale activity survey. Seventy-five percent of respondents said it is now taking more than 30 days. Of that figure, 30% said it is taking more than 60 days. Three months ago, 52% of survey respondents said the average time on the market required for a home to sell was more than 30 days on the real estate market. Six months ago, only 35% said it was taking more than 30 days as buyer frenzy continued unabated. “Current Market Conditions” 4th quarter survey also found: Home sales prices remain firm. Currently, 82% say they are getting 95% or more of asking home prices. This compares with 80% in the third quarter and 90% in the second quarter of 2005. Solid appreciation. One-half of all respondents report home price appreciation of 10% or more in the fourth quarter, year-to-year. This compares with 46% in the third quarter and 42% in the second quarter. Multiple offers down. Currently, only 50% of respondents report multiple offers. This is down from 70% in the second and third quarters of this year. Buyers-sellers demand nearly equal. A more balanced real estate market between buyers and sellers demand has emerged in many parts of the country. This compares with a 61-39% buyer ratio in the third quarter. First-time buyers. Currently at 35%, this percentage has stayed about the same for the last six-nine months despite price and appreciation spikes on the East and West coasts and in Florida, Phoenix and Las Vegas. Greatest first-time buyer activity continues to be in the South and Midwest. Repeat and move-up buyer activity remains strong. Investor and second-home demand has slowed. Inventory of unsold homes growing. Sixty-five percent said the trend is up in local real estate markets. Fifty-five percent report a good supply in all price ranges. Only 38% reported a good supply six months ago. Market Growth. Overwhelmingly, survey respondents said job and population growth continues to fuel housing demand in local markets. “Our latest random survey findings are consistent with both nationwide housing sales data and forecasts of top industry economists,” said Michael Bearden, President and CEO of HouseHunt, Inc. “Our strong economy and consumer demand made record homes for sale possible in 2005 despite destructive hurricanes, rising mortgage interest rates and higher energy costs. We’re optimistic that a sustainable, more balanced housing market will be the cornerstone of the U. S. economy in 2006.” A sampling of individual survey results: • Clint Johnson of Rose & Womble and exclusive member agent in Virginia Beach and Norfolk, VA, area: “During the past few weeks we have seen a softening of the market, with fewer multiple home offers and buyers negotiating for closing cost assistance.” He noted that the area has seen tremendous growth in prices and in units sold. Median home price is $230,000, up 15-20% in the past year. • Rod Sullivan of GMAC Metro Brokers, exclusive member agent for Lithonia, GA, reports more sellers than buyers with a good supply of unsold homes. Average time on the market is 90-120 days. “Our greatest activity is from first-time buyers. Median home price is $150,000. Sellers are getting 95-100% of asking prices.” • Steve Gaines of CENTURY 21 Landtree and exclusive member agent in Greenwood, IN, reports more sellers than buyers and a good supply of unsold homes. “Average time on the market is 90-120 days,” he said. Median home price is $175,000. • Diane Ash of Weichert Realtors and exclusive member agent in Middletown, DE, said lower property taxes are attracting buyers from New York, New Jersey and Pennsylvania. Median home price is $300,000. Average time on the market is 30-60 days. • Tim Ireland of Coldwell Banker Honig-Bell and exclusive member agent in Mokena, IL, said sellers and buyers are about 50-50. Average time on the market is 60-90 days. Median price is $261,190 with a good supply of unsold homes. • Leah and Neville Bradshaw of Long & Foster Old Town/Historic,, exclusive member agents in Lorton, VA, reported more sellers than buyers and a median home price of $543,000, up 10-15% over last year. Even though sellers frequently get more than 100% of asking prices, they said that first-time buyers are very active. • Dan Urbach of Prudential California and exclusive member agent in Pacific Palisades, CA, said his market is settling down from a very hot seller’s market to a more balanced market. Median price home is $2 million, up 15-20% over a year ago. Average time on the market is 30-60 days.



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How to recognize a gambling problem

: With more and more people gambling these days, there are more reported cases of gambling Addiction then ever before. Gambling problems can manifest themselves in many different ways. Some problem gamblers will have all of these signs of their gambling problem and some others may only have one. Gambling addiction affects players of all different forms of gambling like Blackjack, Poker and even Bingo The most important thing to remember is just because their life is not horrible because of their gambling does not mean there is not a problem, many people can have serious gambling addictions and still hold down a job and make it seem as if everything is fine. This just means that this person has not hit a bottom yet, but eventually it will catch up with them. Most addicts will stop socializing with anyone not into their addiction, so if suddenly someone you know cuts out all their friends from their life and starts to isolate themselves this can be a sign. A simple thing to look for is if they are overly interested in the sports scores, and if after reading them to they become ecstatic or depressed. No one likes it when their favorite team loses, but a gambler will have major mood swings depending on if they are winning or losing. A big sign of gambling addiction is someone who is constantly having money problems and asking to borrow money but never pays it back, but sometimes out of nowhere this person will seem to have large sums of cash. Lying and stealing is another good clue to a gambling addiction, they will make up all sorts of excuses for their odd behavior, and you may notice small, but expensive items missing from your home. If when visiting this person if you notice that some of their things are missing, or if they tell you they have had to sell some things, then there is a good chance that what they sold either went to pay of gambling debt or to make new bets.

There are many other signs but these are the most common symptoms of gambling addiction according to addiction professionals. If you see 2 or more of these symptoms in someone you know you should immediately try to get this person to accept their problem and seek professional help. Without help gambling addiction leads to the same place as drug addiction or alcoholism, eventually they will be overcome by their addiction. At this point they will be fully cut off from friends and family. Most gamblers with bad addictions usually wind up jobless and in many cases homeless if their addiction is allowed to go unchecked for too long, and studies have shows that people with gambling addictions are more prone to illness because thy allow their health to lapse. For more information on gambling addiction talk to your family doctor or look on the internet for the gamblers anonymous web site, or from one of the many internet web sites dedicated to helping gambling addicts to locate professional help in their area.



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Debt management finding hope

Debt is a four-letter word that puts us on parole for the rest of our lives. The cost of living alone is so demanding that debt mounts, mounts, mounts, and breaks us with each heaping rise. We have to pay folding money, pay for apparel, food, gasoline, Uncle Sam fees, rent, installment credit, car payments, institution, etc, that sometimes it is next to impossible not to find yourself humming this four-letter word. The most highly way to solve arrears is to sit down and find preparations. Breaking down problems is the first step you will occasion to take to find a way out of debt.

Once you start to see you have cafeteria plan, you can find it rest easier to cope with your stress and damages. If you cannot find new ideas to help you find ways out of debt, visit your local information science and search for debt solutions and controllers that walk you through take part in permission out of debt. Exercise many resources can help you to pull up new ideas that lead to solving problems. Rather than compliant messes weigh you down, take action now and find solutions that will reduce your tension and your debts. If you have access to the Data highway, search the engines to find relevant links that teacher you into debt relief.

Stay away from companies that offer to get you out of arrears for a high monthly fee. The concept of getting out of debt is to relieve positive self-image of extra burden, such as a new bill. For the most part, you can call your creditors and make pay-off form. The creditors are often glad to hear from you. Rather than have the scavenger hunt from wretchedness hunt you down, the creditors you could rather keep you as a friend, since they want you to pay your debt and incur future debt with their assembly. You go through points of no return to finding your way out of debt, so takes some time to learn elimination procedures to become debt free. Debt elimination is not an option, since when you get rid of one debt another exert follow the same patterns of the human mind. You get the point. The solution is getting out of the past claims you owe, set a budget and avoid spending more than you can afford.

Pay off one debt at a time, amid by installments you find relief. To avoid incurring new debt, stay away from credit bet. Use your credit cards to pay demanding bills culmination your credit card as soon as possible to pause, high interest rates. Stay reject from payday lends also, unless you see that you can avoid better part of the levies and can payoff the loan right away. Keep in mind however, that payday lenders often attach a steep fee.



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Exotic lumber products reserved for those who love the feel of forever

Exotic lumber is simply exotic wood that is found around the world. Remember that the term exotic as it's used here in the US is not what is used in the rest of the world. Consider Mahogany is not considered "exotic" in it's native central America and Northern South American regions. This is because it's a material that is readily available in these markets. So don't let the term "exotic" fool you into believing the wood is in short supply, but only that it's not local to your area. Philippine Mahogany isn't really considered "exotic" in that part of the world either.

Though it's still expensive, what makes a wood exotic should really be it's availability. Still there are tree species through like the American Chestnut tree that should rightfully be considered "exotic" and even endangered. The American Chestnut Tree was once in very large supply found especially in the Appalachian mountains where some grew upwards of 100 feet and had diameters of 10 feet. At one time, it's thought that as many as 1 out of every 4 trees throughout the Appalachian forested areas were the American Chestnut trees. They were not destroyed by humanity however but a lethal plague chestnut blight, a fungal disease which destroys the bark tissues of the chestnut killing them. Some hard Rock Maples and even Oak lumber could be considered "exotic" depending on the current supply and availability. When searching for exotic lumber, check to see where was it's area of origin and how was it obtained. Many exotic woods are removed from endangered rain forest areas around the world.

These are NOT the materials anyone would necessarily want if they cared about the environment. More importantly however, there are many alternatives that are also considered exotic timber but have either been removed from managed tree areas or grown specifically for the world market. Teak, is a good example of an extremely hardwood that although originated in the rain forests, is now grown in many places as a crop to serve the market interest in this fine material. By selecting a farm raised product, you will be helping to maintain the rain forests while also providing a living to local peoples and still getting an extremely beautiful material that lasts a very long time. From Birdseye maples, to indigenous oak, and Brazilian Cherry, Walnut, and Rosewood, are all beautiful materials to create high quality furniture that will last several lifetimes.

With a little care, it's possible to obtain some of the finest "exotic lumber" materials in the world while still considering the environment.



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Discover the origin of vitamins supplements

Where Vitamins Come From Most vitamins areextracted from basic natural sources. Because vitamins are natural substances found in foods, the supplements yo take—be they capsules, tablets, powders, or liquids—also come from food Though many of the vitamins can be synthesized, most are extracted fro basic natural sources. For example: Vitamin A usually comes from fish liver oil. Vitamin B com plex comes from yeast or liver. Vitamin C is best when derived from rose hip the berries found on the fruit of the rose after the petals have fallen off. An vitamin E is generally extracted from soybeans, wheat germ, or corn. Why Vitamins Come in Different Forms Everyone’s needs are different, and for this reason manufacturers have pro- vided many vitamins in a variety of forms. Vitamins come in different forms because people do. Tablets are the most common and convenient form. They’re easier to store, carry, and have a longer shelf life than powders or liquids—and they cannot be adulterated. Caplets are capsule-shaped tablets. These can be enteric coated so that they dissolve in the intestine, not in the stomach (which is acid). Capsules, like tablets, are convenient and easy to store, and are the usual supplement for oil-soluble vitamins such as A, D, and E. They contain fewer excipients than do tablets. Gelatin capsules are made with gelatin, an animal product. They should be stored away from light in a cool, dry area to prevent against oxidation. Vegetable capsules are free of any animal products, starches, sugars, and other allergens. They’re made from cellulose and plant fiber from trees, which is resistant to fungal and bacterial problems. They can withstand storage in a high-temperature environment without melting or sticking together. They’re not affected by cold, dry climates that may cause gelatin caps to become brittle. Unfortunately, they can react with the ingredients in them and are therefore not used as much as gelatin cap- sules. They are also more expensive. Softgels (or gel-caps) are soft gelatin capsules that many people find easier to swallow than regular capsules. Like tablets and capsules, softgels must be processed through the digestive system, so they’re slower acting than their liquid and powder counterparts. Powders have the advantages of extra potency (1 tsp. of many vitamin C pow- ders can give you as much as 4,000 mg.) and the added benefit of no fillers, binders, or additives for anyone with allergies. Liquids are available for easy mixing with beverages and for people unable to swallow capsules or tablets. Intra-oral sprays deliver low-dose concentrations of nutrients directly into the mouth, under the tongue. They are absorbed into the bloodstream throughthe mucous membranes and bypass the gastrointestinal tract, generally within fifteen minutes. Sublinguals aretablets that dissolve under the tongue. (For vitamin B12, this is my recommended form of supplement because it is better absorbed by the body.) Patches and implants supply continuous, measured amounts of nutrients, thoughat this writing they are available only for a limited number of nutritional supplements and are considered drug-delivery systems in the United States.



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Playgrounds how to make them fun safe and affordable

: While creating your own playground will take some planning, it is for certain that your kids will exercise as they are having fun. The good part about this is that the playground does not have to be huge, and therefore expensive. A wide selection of swing and slide sets as well as towers and sandboxes can make for big memories regardless of the playground's actual size. First of all, you need to assess the size of the area as well as available materials for your playground. Considerations such as safety and budget constraints should also be in the mix. To get started, ask yourself these questions: • How much space is available for a playground?• Is the area sheltered or mostly outdoors? • Are you willing to build the equipment from scratch or would you rather buy them as kits? • How much money will you set aside for the project?

• What safety issues do you foresee with the playground? SpaceOne thing you should remember: bigger doesn’t necessarily mean better. This is particularly so when space is limited. You just need to incorporate strategic pieces that will engage your tots. Great thing about children is that 90% of the fun they get out of playgrounds come from their own imagination.

The remaining 10% you provide is just to give them something to work their minds on. Selections for playground pieces have also corresponded to customers with the limited space and therefore have put out smaller versions of play structures like swings and slides. Material Now comes the choice: Metal? Plastic? Wood? What are the pros and cons?

Here is a brief run-through: Play sets made of plastic are perfect for small children. They are light and therefore setup is easy, and it is portable as well. They can also come in a wide selection of bright colors for mini playhouses, jungle gyms, and swings. They can easily be bought either online or at your local retail stores. Metal playground pieces should be made galvanized to prevent rust from forming. Painting also prevents rusting as well.

Make sure that thick gauge steel is used for the swing set particularly for the top bar. Standard swing sets made of metal can sufficiently usually support a limit of 70 pounds for every child. Play sets made from quality wood like redwood and cedar are more sturdy and attractive. Given proper care and maintenance, they can outlast plastic or metal sets. These can hold around 115 pounds or slightly more per child. Such wood as well as the pressure-treated variety can withstand moisture. To buy or to build?Metal and plastic play sets are factory-manufactured and are available in local stores or online.

It is preferable to shop with the children so that you can target items of their preference as well as of their size. You are sure to find one that not only meets these criteria, but safety and prize as well. It will be good to remember that you will need to assemble these sets yourself. This can be done in just a few hours. Also remember to include the delivery price to the retail price of the set as it can cost you significantly. In such cases, try to arrange for your own transportation to do this.

If you choose to get a wood play set you have these options: - Save money by buying a detailed kit (except for the wood, which you need to buy yourself). You will have to spend more hours to cut and drill the wood before moving onto assembly. You will need to be prepared to do some exact measuring as well before you can bolt together the pieces. - You can buy the kit, which includes the wood you will be working on. The wood comes pre-cut and pre-drilled and will not take as much time to assemble. - If assembly is not really your thing, you can avail of the kit and installation services and not have to worry about a thing. Finally, you need to go over the play set and play area thoroughly for safety issues. It is best to have a child’s mind and eye with this one. Always ask yourself “How would my child see this particular slide/swing?

” Are there bars or chains that can potentially snags clothing or injure your child? If there are, remedy these immediately before you allow the child to play in the area. Also, never let a child play unsupervised – this by far, is the prime reason for serious, if not fatal accidents in the playground. The work it takes to build a playground may be exhausting. But it is definitely time well spent. You are not only giving your child a good play set, you are also allowing him or her the opportunity to build many happy memories.



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A security camera system plays an important role in your home security

To observe what's going on, you can add to your home security system a security camera system. They are the ultimate home security product. Whether you live in a spacious estate, in a gated community, or have a house in the suburbs, they are designed fit your needs. Video cameras are an advanced addition for your home security system. The most basic security camera system would be a single camera connected directly to a monitor and a recorder to store the video. Types: There are several different types of security cameras. A few security cameras are black and white security cameras, color security cameras, wireless security cameras, night vision security cameras, and vandal resistant security cameras. Besides differing in function and design, security cameras also vary in price. Some security cameras also allow remote access, therefore allowing access to the monitors through an Internet connection. Size & Resolution: Video monitors come in a variety of sizes. It is best to buy a larger monitor because the smaller ones may be hard to view. CCTV monitors may have as many as 1000 lines of screen resolution as compared to 550 lines on ordinary televisions. This shows that security monitors do have their place in a home security system. Advantages: The advantages to owning a security camera in your home include: · It has the ability to monitor people in your home. · They can even save you money on your homeowner’s insurance. · It’s easy for you to know who is in your home at all times with remote access. Security: CCTV (Closed Circuit Television) Security Systems is a fast growing segment of the security market. They are a relatively cheap addition home security systems. The security system consists of cctv security cameras, security monitors, sensors and cabling. Wireless cameras provide an extra measure of coverage since they can be positioned anywhere quickly. These are good trends in the security industry.



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How to get cheap auto insurance

There is no secret that auto insurance prices are on the rise and have been that way for a good many years. There is something that makes us all cringe in response to paying for something that we may very well never use and at great expense to us. So we are all in search of the cheap auto insurance. This can be a game that takes a good long time to play but in the end it should be well worth it. Of course this is not something that will happen over night and there is several matters that go into the whole thing. Auto insurance is tricky business and the companies not only want to protect you, but also their bottom line in the end. So if you are in search of the cheap auto insurance then you should follow a few general rules. The best way to get cheap auto insurance is to be a good driver.

That is really a common fact that many people over look these days. Insurance companies reward those drivers that have had no accidents, and no tickets. Of course this may be easier said than done to be honest considering even accidents that are not your fault look bad on your record. The tickets thing is what really matters most. Just one ticket for speeding can raise your auto insurance rates by over thirty percent a year. So you can see that it is best to obey the traffic laws at all costs no matter what. This will give you the very best cheap auto insurance with most companies. There is the matter of shopping around for cheap auto insurance as well. The one mistake that people often make is to think that the company they have been with since they were young is giving them the best rate.

This is the farthest thing from the truth in all actuality. You will find that with the vast array of auto insurance companies that sprinkle the country side that the prices will vary greatly. Many times you can save hundreds of dollars in premiums by going with another company. Finally, cheap auto insurance is given to those that have easily insurable cars. This is no secret, but you should have a car that has a good safety rating with the insurance companies in order to maintain the best rates on the insurance. The auto insurance companies do not like those little sports cars that move at top speeds as they can be the ingredient for disaster and much expense.



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Design

The word ‘design’ is multifaceted. It can refer to plans, proposals or creative endeavors. Design surrounds us in every aspect of our life--homes, buildings, city planning, vehicles, art, theater, clothing, and toys. Even food has a design element, presentation. So, design is what makes anything functional, appealing and attractive. It has aesthetic functions that result from inspiration, research, and modeling. To some the sense of design is ingrained in their genes, while others acquire a design sense through rigorous training. The principles to be used will of course depend upon whether one is looking at architectural, automotive, computer or machinery design, which are scientific in nature and have different aims, or communication design, which is applied to advertisements, books, magazines, websites, and so on. In the case of communication design, it must have a focal point, everything else being secondary. It must follow certain simple rules: the design must be simple and clutter free, it must represent clearly the theme or element for which it is in use, it must be functional and have a visual hierarchy. The size, color, texture, and types must be varied to create depth and contrast. The keys are: alignment, proximity, repetition, and contrast. The spaces must create depth and the colors harmony. Good design is said to be 98% common sense. Before a design is visualized, one must determine what it represents, its uses, the audience, the focus, and goals. Every design must portray emotion and imagination – it must draw the eye time and again to its center, and elicit a response and recall. Creativity, the ability to listen and comprehend what others have to say and absorb the very soul of the project concerned, are the qualities of a good designer. Design straddles many worlds—philosophical, scientific, as well as creative. In each world, design, like a potter’s wheel, gives shape as well as functionality.



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Proper font selection

In times when you are writing a message in your computer, have you ever asked yourself the following questions: How will I convey my message with the use of my fonts? Do I need several colors? Am I going to use big, bold, crisp or spaced fonts? Well, you are not alone in this dilemma. To help you with it, just read on.. Fonts are the crossing point between writers and readers. This is the reason why they have to be catchy in appearance and content. Presentation is crucial because it is not only the superb content that draws the reader’s attention. It starts with the font’s character. It should speak for itself. Font’s role is to get attention, enhance readability, set and atmosphere and most importantly projects an image. To be able to play the role well, we need to follow certain guidelines. The first rule is to know what case to use. Avoid using all upper or lower case especially in the body of your composition because it is hard to read. Use upper case in titles and headings only if it is necessary. Do not make the readers curse you while reading your message. The generally accepted size of a font is between 10-12 point for the body, 14-48 point for primary headings and one half of the primary heading point size for secondary headings. Be aware though, that fonts may appear larger in computer than the actual size. Keep the font simple. Your font is used to augment your message and not to impair it. Simplicity is still a virtue in writing so bear in mind using simple fonts not exaggerated ones. Sometimes variation is necessary. Variety is most of the time used to break the monotony. Examples of variation are underlining of the text, italization, making the letters bold, highlighting and the likes. But it will be overstressed if you used them all so use them sparingly. The last rule is to match your font with your medium. You can break other aforestated rules provided that it blends with your medium. Every project has many perspectives. Some are intended to general public some are specific. Some are serious others are funny. But whatever your approach and typeface it must redound to the benefit of your project and not to destroy its goal. After you are through reading these rules, ask yourself, am I using my fonts perfectly? If so continue what you’ve started. But if not, try to change your ways for the better. Communication is more than just words. Actually, there are a lot of things that we should consider to achieve not just comprehension but retention.



Online Proper font selection