Acne at my age

When the 30s hit, you worked to raise little Johnnie or Suzie to be a model kid. Now that your hitting the fabulous 40s, you should be coasting through life, right. Well, why are you suddenly dealing with the cosmetic double whammy of acne and wrinkles? Even your insurance company figures that you should have gotten rid of acne by the age of 25. The number people over 30 needing acne treatments has climbed to the extent that a report published in Journal of the American Academy of Dermatology recommends raising the age for insurance coverage of the acne drug tretinoin to at least 40. The authors of the report, Drs. Steven Feldman and Alan Fleischer, add that many insurance companies refuse to pay for tretinoin prescriptions for patients older than 25. Cosmetic Catch 22 Even if your insurance company leaves you to fend for yourself, you still have options for freeing yourself from acne and wrinkles. At first, coping with acne and wrinkles may seem like a cosmetic catch 22. Do you dry your skin with acne cleansers containing benzoyl peroxide and salicylic acid, and worsen your wrinkles? Or, do you smear on the moisturizer to smooth the wrinkles, but cope with the zits brought on by the extra oil or sensitivity to a new product? There’s a smarter way to handle acne and wrinkles. 1. Interpret the acne 2. Allow your skin to improve as you use self-awareness to remove zits. Interpret the acne While dealing with acne and wrinkles, target the acne first because acne is an autoimmune disease. Having an autoimmune disease means that your thoughts, emotions, and/or environment are affecting you in an adverse way and require immediate attention. Thus, acne may reveal that you need to relax more, change your eating habits, reframe your interpersonal dialogue, stop dating that jerk from the office and/or make another beneficial alteration to your lifestyle. Zits arrive on your face to report on some unpleasant activities within your body and life. Once you get feedback from these zits, you can take action to send the zits away while augmenting your health in the process. Acne is usually an indication various hidden or overlooked health problems. Here’s a sample of the questions you should ask yourself when dealing with acne so that you can unravel the mystery behind your zits. Are you: Regular? About 70% of your immune system is located in your intestines. If this area is blocked with waste, your immuno-defenses are down. So, instead of waste leaving your body via the rectum, it chooses to leave through the skin. Waste leaving the skin can cause an infection that presents itself as acne. Tense? Tension likewise reduces the vigor of the immune system. Take a few deep breaths throughout the day to calm your body. Take a long walk in the fresh air to wind down. Eating nutritionally? Cases of acne have been improved with consuming foods containing zinc, essential fatty acids, vitamin A and a host of other nutrients. All of these vital nutrients are available in leafy green vegetables, fruits and olive oil. Worried about unresolved issues? Not resolving personal issues creates conflict and tension in the body. Again, these issues most be addressed to avoid undue stress within the body. Exercising daily? Exercise reduces stress and gives you an opportunity to subconsciously contemplate challenges that you may be facing. Physical activity also keeps your muscles and intestines toned, which keeps encourages regularity. Changing pillowcase frequently? Using a dirty pillowcase aggravates an acne condition. Your face naturally secretes oils during the night. These oils are sticky. So if you pillowcase if dirty, you are allowing your face to collect extra waste during the night, which could further clog your pores. Moving or changing your job/career? New demands or feelings of lose can sometimes accompany change. Transfer these emotions into something constructive by writing in a journal or envisioning how these changes are going to benefit you. Find comfort in these changes and opportunities for new beginnings. Experiencing excessive facial hair growth and erratic periods? Conditions such as acne, excessive facial hair, and erratic periods could indicate an androgen disorder or other underlying hormonal imbalances. Your doctor can provide you with a series of endocrine tests to ascertain your hormone levels and what corrective actions you should take. Ricardo Azziz, M. D, who serves as Chair of the Department of Obstetrics and Director of the Center for Androgen-Related Disorders at Cedars-Sinai Medical Center, estimates that 80 percent of women with excessive androgen levels suffer from an endocrine disorder called polycystic ovary syndrome (PCOS). Dr. Azziz adds that women with PCOS often have insulin resistance and are at increased risk for developing Type II diabetes, hypertension and heart disease. Once the acne is under control you can move on to the wrinkles. Another reason for treating the zits first is because if you alter your lifestyle in such as way as to free yourself from acne, and you doing this in a healthy and patient fashion, you will actually lessen the number of wrinkles you have. Health is wholeness and beauty is a reflection of robust health. You’ll never buy robust health in a jar. It is a mind, body, spirit and environmental support system that garners full-bodied health. Lets look at want you actually need from a “beauty cream”. Face Cream Education There are five basic ingredients in any given anti-aging or anti-wrinkling cream. 1. The oil or moisturizer 2. The preservatives to keep the cream from spoiling. 3. A scent or flavor 4. A color 5. The active ingredient. Only one of these components is essential, the oil. The preservative is only needed to keep the cream useful. Your face does not need preservation because the skin is alive. Since some people have allergies to scents and colors in cosmetics, the body says that these two ingredients are not necessary. The active ingredient is usually the latest cosmetic drug or multivitamin that is supposed to lift or dramatically reverse your age by 5-20 years. Researchers S. Jay Olshansky, Leonard Hayflick and Bruce A. Carnes bluntly comment on the antics of cosmetic companies in their report No Truth to the Fountain of Youth, published in the June 2002 edition of Scientific American. The authors warn everyone aiming to reverse the signs of times on their face that, “… anyone purporting to offer an anti-aging product today is either mistaken or lying”. I bet you are thinking, “Won’t that oil make acne worse?” The answer is not if you are using the right oil. Some essential oils such as bergamont, lavender, lemon, neroli, sandalwood, tea tree and ylang ylang have cleansing and antibacterial properties which help combat acne infections. Other essential oil like geranium, clary sage and orange regulate the production of oil on the face. When mixed with a carrier oil such as jojoba or camellia, these essential oils are ideal moisturizers. Nothing that you put on your face will truly change your appearance. Creams are useful, but they are only one instrument in an orchestra of anti-aging concerts. Health starts on the inside. If you want to improve your beauty start with how you treat yourself and feed yourself. I mean not only what foods you eat but what thoughts you eat. You may eat thoughts of the sort, “I can’t…”, “I had a stressful day”, “I’m tired of…”, “I can’t wait until…”, “I’m getting old”, “My body isn’t as healthy as it used to be”. The menu is endless. If you want to look young and healthy, you have to think young and healthy thoughts. Here’s steps to jumpstart your quest: Start by changing your thinking. Develop your own youth model, i. e. with steps you’ll take to maintain your vitality and stick to it. Enjoy nutritious foods. A study in the Journal of American College of Nutrition found that eating a variety of fruits and vegetables and using olive oil every day could help keep wrinkles away. The researchers found that people who ate a diet rich in green leafy vegetables, beans, olive oil, nuts and multigrain breads, while avoiding butter, red meat and sugary goodies, were less predisposed to wrinkling. Researchers believe that antioxidant vitamins, such as A, C and E, which are found in fruits and vegetables, may help protect the skin from environmental damage. Use a gentle cleanser each day. Steam your face everyday for 5-15 minutes, especially if your have acne. The steam removes waxy build-up on the skin while it stimulates circulation. This combo of benefits cleans to pores to reduce the possibility of acne while firming up the skin and facial muscles. Exfoliate your skin daily. Moisturize your face in the morning and evening with natural oils. In addition to the acne fighting oils listed above, you can mix essential oils such as frankinsense, myrrh, neroli and rose to help encourage the growth of new skin cells. You can create a moisturizer by diluting 1-3 of your favorite essential oils in a carrier oil such as jojoba or camellia oil in a ration of 1 part essential oil to 3 parts carrier oil. Massage your face daily when you apply your facial oil. Lie down on an incline bench for 5-20 minutes each day to let the blood flow to your head. Wear a sunhat in the sun. Give yourself a light skin peel once a month. Finally, forty can still be fabulous and your beauty-plan a lot less enigmatic. Just remember the basics, interpret the messages of your zits, and educate yourself about wrinkle creams - you don’t need them.



Online Acne at my age

Rain or shine new technology keeps travelers connected

As last year's hurricanes and tornadoes demonstrated, Mother Nature can be devastating. When the storms came and the power went, some people relied on high-tech innovations to cope. Skip Holmes and his family, for instance, turned to their vehicle's TracVision satellite TV antenna to stay constantly connected to live television updates. Rugged and durable, TracVision antennae pick up hundreds of channels of DirecTV satellite television, ensuring that travelers on the road - and people whose homes have lost power - have access to live news and real-time weather. Holmes, an expert in mobile electronics, was one of millions of Florida residents pummeled by four hurricanes in a row last August and September. With no power inside their home, Holmes and his family often could be found in their driveway, huddled together in their Chevrolet Tahoe watching live satellite TV using their TracVision A5. "We would actually run out the front door to the car in the middle of the storm," Holmes said. "There were periods of rain that were so bad, you couldn't even see across the street. Quite frequently, I'd be sitting in my SUV, watching The Weather Channel. Throughout it all, we never lost the reception." That live TV access helped the family keep up with the hurricanes, especially after original forecasts began to change. It also came in handy in the two long weeks that they were without power after the storms. In less chaotic situations, Holmes and his family enjoy their TracVision A5 on long road trips. The TracVision A5 sits 5 inches high and receives more than 125 channels of satellite TV and commercial-free music while a vehicle is in motion.



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The basics of finding a loan for people with bad credit

If you've ever tried finding a loan for people with bad credit, you might think that it's impossible. Everywhere you turn, it seems as though there's nothing but rejection to be found. Don't give up, though, because you can find a loan for people with bad credit if you know where to look… it's easy enough to do, because there are a lot of different types of these loans out there. An entire industry has evolved out of creating different ways to offer a loan for people with bad credit; one of these ways might be just what you're looking for. Small loans and petty cash One of the most frustrating times to not be able to find a loan for people with bad credit is when you just need enough money to make it until your next payday or to cover small expenses. If this is the case, you might want to consider trying to get a loan for people with bad credit from a pawnbroker or from a cash advance store. Both of these options offer small loans, usually with no credit check, to cover periods of a few weeks to a month or more. Cash advance stores offer cash loans in exchange for a personal cheque, for 14 days or until your next payday. If you haven't repaid the loan at that time, then the cash advance store can attempt to process the cheque, submitting it to the bank for payment. Pawnbrokers work along similar lines, offering cash loans in exchange for personal property such as cameras, jewelry, or electronics. They will hold your property for a month, after which you either need to make a partial payment to extend the contract or pay the loan in full and reclaim your property. If you haven't paid after 90 days, the pawnbroker can put the item up for sale in their shop. Larger loans It's possible to get a larger loan for people with bad credit as well. One option for this is to get an auto title loan, which grants the lender a legal claim to the title of your vehicle as collateral for the loan. These loans are based upon the value of your vehicle, and if not repaid allow the lender to repossess the vehicle and put it up for sale. Some banks and finance companies will also be willing to approve a loan for people with bad credit, but collateral is required to secure the loan. This collateral is often in the form of a vehicle, real estate, or some form of collectable or jewelry… though any property of value will possibly be accepted. These loans usually have higher interest rates than other loans, but can provide not only the money that you need but also the first step towards rebuilding your credit. With prompt repayment, you may not need to find a loan for people with bad credit in the future… because your credit can improve with every payment made. -- You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:



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What do you need to know about consumer awareness

Are you an individual, a common man who toils day and night, up and down to earn three meals a day? If yes, then do you at times come home depressed with a look of betrayal on your face? There can be reasons like someone withdrew cash from your credit card and you have no clue how; the television you purchased for your family is not properly functioning, the shopkeeper refused to take the onus even though the TV is in the warranty period or somebody stole the information from your email account by hacking it?...this is the plight of today’s consumer, who at the end of the day comes back home defeated and cursing his fate and today’s world. But one should never forget that God only helps those who help themselves. You can never be beaten unless you admit that you have lost; similarly no one can deceive you unless you let him do so. Thus, it is time for the consumers to wake up and realize that nothing will happen by sitting hands on hands, more than talking of action, one should believe in implementing or doing it. Howsoever one may try it is impractical to erase theft, fraud etc. form our society. In this case the only option left is to take preventive measures. • The first and the foremost step for a consumer to prevent himself from cheating is to keep his eyes and ears open.

Know or be aware of what is happening around you. Read the cases of various scams, thefts, burglaries, phishing scams etc. in that are highlighted in your local newspaper and also seen on television. This will keep you informed and conscious of what is going on and what can unfortunately even happen with you. • Learn from the mistakes of your neighbors. If a shopkeeper has given a malfunctioning gadget to your neighbor, do not make the mistake of going to that shop. If somebody stole important mails from their mailbox, do make it a point to collect all your crucial mails directly from the post office. • Never reveal personal identity to a stranger. You go for a morning walk and a man over their tries to be extra amiable even asks you to come home for lunch etc. does not imply that he wants your friendship or that he is a genuine person. So do not disclose your residence, telephone numbers, your workplace numbers etc. to him unless you gather complete information from a known person about him. Avoid giving personal details on phone. If you receive calls from unknown place that offers you some benefits and asks for your particulars, don’t be carried away by that. Tell your particulars only when you are sure that the call is genuine and that there is no other way out. • Do not rely much on courier services. If you an access to the place where you have to deliver the parcel, take out some time and go yourself. • Do not hand over your credit or debit cards even to your friends. It is foolish to trust someone blindly nowadays. Never tell your friends or colleagues to check your mails while you are holidaying with your family. It is not wise to let others know your password and mails. • When you are out for shopping in the market, do not carry much cash. Keep the tentative amount and credit or debit card in case of emergency. This will not only help you do a regulated shopping but will also save you from many pitfalls. • Before purchasing any commodity, always read the manufacturing date, the expiry date and the MRP carefully. • Never forget to take all the bills and an assurance for the warranty period. Take the bills for each and every thing you buy and it is advisable to take things on a longer warranty basis even if you have to pay a little more for it. • If while coming back home you lose your wallet, call up the police and register your complaint. This can protect you from the illegal use your documents by the one who picks them up. It is better that you de not carry your essentials every time you move out of the house. • Keep all the emergency numbers (like the social security unit of your area, the police station number etc.) stored in your mobile phone. Also what is vital for your security is to keep a back up record in a diary of all the essential numbers in your phone and addresses. This will facilitate you with all the information in case you lose your mobile phone. Wake Up, Its Time to Retaliate by Being Cautious and Not to Sit Quite.



Online What do you need to know about consumer awareness

Van leasing

Vans can be a popular choice for a vehicle for those that have a large or expanding family or those that have a lot of items to cart around with them on a regular basis; it is especially popular with companies that want a set monthly expense, as apposed to those that need to part with large one off payments. Leasing a van can be a very good option for those that feel they are in need of a van, for personal or commercial use. Leasing a van involves the individual or company renting the van for a defined period of time for a set monthly payment every month until the lease expires. There are many advantages to leasing a van and just a few disadvantages that should be considered before one decides on van leasing. One of the biggest advantages in van leasing is that there is no large payment due at the beginning of the leasing period. There is a deposit due at the beginning of the lease period but this payment is generally quite small and totals only about one, two or three of the monthly payments in the lease period. The monthly payments involved in van leasing are also usually quite lower than those when purchasing a van. Not only does this save the individual or company leasing the van quite a bit of money but it can also make leasing a great opportunity for driving the van of the individual’s choice for the short-term.

Van leasing also allows for the individual to give up a van after it has been driven for a couple of years. At that time, the individual may consider the van to be outdated or they may simply not want to stay with a van that has been run down with regular use. Once the leasing period is up, the individual can simply return the van to the leasing company and enter into a new lease for a new van. With all of these advantages to van leasing, it’s important to note that there are some disadvantages. The biggest one of those is that one doesn’t actually own the van at any time. Even during the period that the individual is driving the van it is not theirs. It always remains the property of the leasing company. Another disadvantage to van leasing is that it can be difficult to calculate the annual mileage and other charges. A leased van has a set number of miles that can be accumulated on it. If the number of miles exceeds this number, the charges can be quite costly. To avoid this, it’s important to accurately calculate the mileage that one does in a year. Miscalculating this can lead to heavy charges that the individual or company leasing the van wasn’t expecting. Other charges that may be included in a lease is that the individual will have to pay for any damages to the vehicle. Although this would probably be the case should the person own the van outright, there may be some minor damages that the individual wouldn’t bother in fixing if the van were their own property? Unlike a loan, it can still cost the person leasing the van quite a bit even if they want to settle the lease early. Unlike a vehicle loan, settling early with a van lease usually means that the individual still needs to pay the interest on the remaining months. Van leasing usually has more advantages than disadvantages. However, one must do their research and make sure that this is the right option for them before entering into an agreement.



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Livng on large cap stocks the beginning

Like many stock market investors/traders, I too, lost my shirt in the nineties. High-tech stocks always seemed to offer such huge returns, and when you analyzed the charts they looked like can't miss opportunities. But as the decade wore on my stock portfolio value went on a steady nose dive. Until it virtually became non-existent. At the time I was looking for stocks to hold for a few months, and then sell.

Stocks that were likely to increase in a short time. I read all the books, learned fundamental and technical analysis, created and back tested stock trading systems. Subscribed to all the newsletters, the services, the gurus, and jumped around in my opinions so much, that even when I was right, I didn't allow my correctness time to pay off. Self-doubt, gut wrenching anxiety, not to mention unnecessary stress on an already dysfunctional marriage all added to my panicking. And the inevitable loss of my entire account. Through it all I made right buys and short sells, but my convictions was never very strong, I couldn't stand the fluctuation of hi-tech stocks, and had no idea when to keep my position and when to dump it. Usually I would dump winners at the exact worst time, and keep losers for way too long. I tried system trading, but grew weary of systems that worked when back testing but not in real time. In short, I went broke, lost my marriage, my house, and my confidence. Around 2001, I began sniffing around the market again.

Now, though I had no money to trade with. However I remembered a time right at the end of 1999. When I had traded GE, several times successfully, it was in a nice up trend, with enough timely dips that allowed buying opportunities, and timely spots to also sell. I began wondering if I could buy and sell large cap stocks, and make a profit. I began, again pouring over charts, it was easier now, with the Internet, you could do it for free. I studied household names, and not so household names but always stocks over 5 billion in capitalization. In 2002, I began paper trading, based on a few quick judgments I made about chart formations, and using a few basic indicators.

I did this in real time I had no money to trade, now going through an expensive divorce, that was to leave me virtually broke for 3 years. I, still was fascinated with the idea of using large cap stocks, and the fascination kept me paper trading. I found these advantages to large caps; one they had real value, not blue sky. So often, hi-tech and biotech's only had future earnings to offer. Large caps had real worth, real property, real earning, etc. Information on them was readily available. I learned during the nineties, I will never have the latest information on stocks. But with large caps you don't really need it. Large caps charts were also more predictable, more reliable, upturns and down turns were within parameters, that were almost always followed. High tech could drop like a rock from the sky on rumors, rumors that I wouldn't even know about until the end of the day. But was there enough volatility to trade in large caps. I was always bored with buy and hold and hope for a 7% return over the next ten years type strategy, I wanted some action. But what I found was there is enough volatility, if you can figure out how to predict it. Consider my first real trade of this year, I bought All-State Insurance ticker symbol ALL. I bought it in March of 2005, at that time its 52 week low was 43, and its high was 52. If you had bought it at the exact low and sold it at the exact high you would have made, 20% annual return. Not bad for such a safe investment. Of course it is impossible to do that. But what is very possible is to hold it for about 39 days, and make around 3%, in that time. That is almost a 30% annual return while holding a very safe stock for a very short time. And that is what I did. I paper traded large cap stocks for 3 years, averaging over 50% return on investment for 3 years. While I scrimped and saved, and hid money until I had a whopping total of $3000, to open a stock account. And then I bought All State. This year I again hope to make over 50% return on investment, only in real dollars. Which let me tell you is much more exciting, than paper trading. Oh, I have started a successful side business, whose profts I place into my account. But more on this later. You can read my trades as they occur on my blog http://livingonlargecaps. blogspot. com/. And watch as in real time I attempt to prove you can make huge profits on large cap stocks.



Online Livng on large cap stocks the beginning

Lincoln mkx ford edge to be offered at low prices

The Ford Motor Company has now come up with a new plan so as to bring up their declining sales. With the 2007 crossovers hot and very attractive in the auto market, the company is making sure that when they do send out these new crossovers to dealers and showrooms, they would be coming with tag prices that would surely have retail customers coming in to purchase one for themselves. Now, according to Cisco Codina, who is the group vice president of the company for marketing, sales, and service in the North America area, “Our intent is to have good leases and good pricing. We do not plan to have any visible cash on those vehicles.” And what vehicles are these, you may ask? The new crossovers to be offered with low prices are the 2007 Ford Edge and the 2007 Lincoln MKX. And both of these vehicles would be surely available come November this year. However, the company still yet has to give out what the prices on these new and blazing vehicles would be. Rumors have it, though, that they would be very flexible and owners would surely have a grand time changing its parts with other Ford parts like Ford Festiva car parts to personalize the vehicles. As for the prices, seniors in the automobile world have computed that the Ford Edge would be carrying a price that would fall around the $20,000 range. As per the Lincoln MKX, it would be having a tag some $10,000 higher than the Edge. The Ford Edge is a midsize crossover sport utility vehicle and is offered as a wagon with four doors. The FF/AWD CD3 platform has been used as the base for this vehicle and its power comes from a 3.5 liter Duratec 35 V6 engine. A midsize luxury crossover sport utility vehicle would be the best description for the Lincoln MKX. It is a crossover vehicle with four doors and is midsized. Its engine is also the same as the Ford Edge.



Online Lincoln mkx ford edge to be offered at low prices

The convenience that an inkjet coder gives

Another newly and highly developed inkjet coder has been introduced by ATD Inkjet Systems. This inkjet coder offers a high contrast print at a high speed. The outputs produced are surely sharp and vivid. This is not the first product they have presented. In fact, it is the third product they have released in the market this year. The new IP9000 Solidjet is depicted to be the next generation in inkjet printers. This printer is very important as it is the alternative to the printers we are using right now. This printer is believed to be of no match to the other printers when it comes to sharpness, quality.

This printer is very much applicable to various printing applications. With this printer, you don’t have to worry about all the printing stuffs. The features of this printer include the food packaging, plastic packs, cereal packs and plastic films. Soon it can be applied on concrete, textiles and plastics. Inks are definitely expensive and it may have no chance of bargain. The only remedy is to have replacements in cartridges. Since inks will never settle its price, the printer’s cartridge will make it negotiable. InkSaver has come up with a way on how to keep your inks reduce and lessen its cost. They thought that if the amount of inks they used to cover up a print job would be reduced, your budget will now be harmed.

This is made compatible and reliable with all the inkjet printer types. This explanation is helpful and efficient and it does not mean disturbing the quality of your prints. The price of inks was not reduced. Instead, they have come up with this solution to lessen the amount of inks spread onto the computer. It’s like printing in the draft mode but the resolution should not be changed and affected. The adjustment will be set by the percentage and proportion in the use of ink. You will have to set it like increase the black ink and lower the color. If you think you get to spend a lot with your printing, this is a very good alternative. It is very important to save up inks because they are expensive and hard to replace.

You can save up inks by not using it at not so important prints. For more related articles, you may visit http:// printingshoppers. com.



Online The convenience that an inkjet coder gives

More aware of diabetes heart disease link

With diabetes on the rise, doctors are extremely concerned about associated risks such as heart disease and stroke, which together kill two out of three people with diabetes. Fortunately, a recent study indicates that more people with diabetes are making the link between diabetes and their increased risk for heart disease and stroke. According to a 2005 awareness survey conducted by the American Diabetes Association (ADA) and American College of Cardiology (ACC), 45 percent of people with diabetes understand their increased risk for heart disease, which is up from 35 percent in 2001. Experts believe even more awareness is needed, however. The ADA and ACC continue to work together to share important information, tools and resources to encourage people with diabetes-and health care providers-to learn more about the impact of diabetes on the heart. Other findings from the 2005 ADA/ACC awareness survey show: • 69 percent know they may develop high blood pressure (38 percent in 2001). • 64 percent know they are at risk for cholesterol problems (37 percent in 2001). Importantly, more people with diabetes are talking to their health care providers about managing diabetes comprehensively: • 45 percent of people with diabetes now have a goal for blood glucose levels (30 percent in 2003). • 57 percent have a goal for blood pressure (34 percent in 2003). • 61 percent have a goal for cholesterol (34 percent in 2003). These figures are encouraging, but awareness may not be moving fast enough to keep pace with the growing prevalence of diabetes. Recent statistics indicate diabetes has risen by over 14 percent since last estimates in 2003. The need for increased education and awareness about the link between diabetes and heart disease is now more critical than ever. Armed with the best information, people with diabetes can properly manage their diabetes, understand their risks for complications such as heart disease and stroke, and take action to live a longer, healthier life.



Online More aware of diabetes heart disease link

Anti spammers need to develop better manners

I sent my e-zine out last week and I received a copy of it back. It had been forwarded to me by a subscriber. In the subject line was a two word sentence; since most publications and websites frown upon vulgarity, obscenity, and profanity, I have spared you the exact wording. Be assured, however, that Miss Manners would definitely not approve. It is understandable the frustration that people feel when they are inundated with unsolicited commercial e-mail. I myself get more than my fair share. Despite my Internet Service Provider (ISP) enabling a spam filter and in spite of configuring my own e-mail program filters, I still get spam. However, the situation with my subscriber is different.

He opted in and confirmed his subscription. I use an outside service to handle my mailing lists, in part, to protect myself from false spam complaints. There are a number of possibilities here. Perhaps my dear subscriber forgot that he subscribed and honestly believed that he received spam. Another possibility is that he didn't enjoy the content. The correct response when someone offers you something you don't want is "No, thank you" not "Expletive deleted". If you are offered dessert after dinner by your host and you don't want any, simply say "No, thanks." If you accept one piece of pie and then you're offered another, you may either accept or decline. My subscriber could simply have unsubscribed.

Instead, he retaliated (either because he believes I'm spamming him or he doesn't like the newsletter). He said "yes" when he subscribed; he can always say "no" by unsubscribing. Again, "No, thank you" not "Expletive deleted". Related to this rudeness is the ignorance some America Online, Inc. (AOL) subscribers show. By ignorance, I mean that they may not even realize they are doing anything wrong when they report e-mail they don't like as spam. AOL makes it very easy for their subscribers to report spam. I would say they make it too easy. Just click the button "Report Spam". Unfortunately, there is no notation near that button that says "If you subscribed, just unsubscribe.

" No, simply "Report Spam." And they do. Rather than unsubscribe, some AOL subscribers will report your e-zine as spam. They opted in and subscribed. They confirmed their subscription by e-mail. Their name, e-mail address, IP address, and date and time of subscribing have all been recorded. But, they are reporting you as a spammer. This, to me, goes beyond rude, as it could affect the reputation and livelihood of the one being reported. I wish I could say that receiving obscenities or threats by e-mail is rare. Sadly, this is not the first time for me. Among the many messages I receive are some that say that the e-mail I tried to send (from some strange or nonsensical name at my domain) was undeliverable or blocked and is being returned to me. Of course, I never sent that e-mail in the first place. Occasionally, I receive rude (sometimes threatening) e-mails from people who thought I sent them some of these spoofed e-mails. This is the equivalent of swearing at and threatening someone who you believe allowed his dog to defecate on your lawn. The only problem is that the man doesn't have a dog. Again, I sympathize with those who are irritated by spam. I just wish they would direct their indignation at the spammers instead of me. In fact, Miss Manners would have reminded us all that there is never any excuse for rudeness.



Online Anti spammers need to develop better manners

Understanding freebies

It seems that everyone is after "freebies" these days to save a little money. While this may appear to be a good way to save, understanding why freebies are offered and the different types of freebies that are available is essential to make sure you aren't spending more that you thought. "Spending more than I thought? It's a freebie, how can I be spending money?" you may be asking yourself. That's what this article is going to show you so you can determine if that freebie is truly free. Take the example of 0% financing that is widely being promoted for new vehicle sales. While it seems that this is a good deal on the face of it, people fail to realize that the 0% financing isn't really "free." According to Power Information Network, during a five month period, the average buyer who financed with a 0% loan paid over $1,800 more for a Ford Explorer than those who paid in cash or used another type of loan.

The 0% "free" interest loan isn't so free when viewed from this perspective. Most people assume that a freebie means that you can get the item for no cost. It makes logical sense, but in reality it isn't quite that easy. First and foremost, it is important to realize that "Free" is a relative term. Companies give away freebies not out of the kindness of their heart, but to drive traffic to their site or store, to build good customer relations, to attempt to get you to purchase other products at a future date or any number of similar reasons. It is always important to remember that there is an alternative motive behind the freebie being given away. That being said, it doesn't mean that all freebies are a worthless waste of time.

Freebies can be an excellent way to save money, but you need to understand the different types of freebies that are out there and then make sure that the freebie is not costing you money in hidden ways. Here are some of the typical types of freebies offered and what to look out for: Free Sample: This is when a product is given away (usually in a smaller "trial" size, but full size samples can also be found from time to time) with the intention of letting you try it to see if you like it. The manufacturer is willing to give away a sample of the product in hopes that when you try it, you will like it enough to begin using it or switch to their product from a competitor you were previously using. These rarely carry hidden costs and probably are the image most people have when mentioning the word "freebie." Free With Purchase: This is where you receive something at no extra cost as an add on when you purchase a certain product. While these can be good deals if you were planning to buy or need the main product being sold, you need to be careful not to purchase something you don't really need just because it comes with something free attached. Free After Rebate: With this method, you pay for the product up front and then send in some type of proof of purchase (usually a bar code accompanied by the receipt) to get a rebate on the money you paid. While these look great while purchasing the product, it's important to read the fine print and terms before proceeding to purchase. Chances are there will be some restrictions which may make getting the rebate difficult. You want to take the time to know that you will qualify for the rebate and can receive it with relatively little work before you buy. If you don't, you may find that the freebie is not so free after all. Free Trial: This freebie gives you a product or service at no cost for a certain period of time. Two classic examples are one month free memberships or three free issues of a magazine. As with a free sample, the companies hope that once you begin using their product or service, you will continue to do so. The point to be careful about in regards to these free offers is that you are usually required to cancel the membership or subscription once the free trial period is over. If you don't, then you will automatically begin being billed for the product or service. It is easy to forget these dates and your free trial can become quite expensive if you don't religiously keep track of the dates. Free Reward: This is where you receive something for free after doing something or completing a task. A classic example is receiving something after filling out a survey or applying for a credit card. The issues to take into consideration and weigh are whether the time spent doing the activity is worth the reward or, in case of filling out an application, will completing the activity cost you in some other way down the road. Free Shipping: This has become the mantra to selling on the Internet. You buy the product and receive free shipping. The problem here is that we all know that the shipping has to be paid for somewhere, so you can make an educated guess that the shipping fee is being passed onto you in some other form. Classic examples of these are "processing fees" or "handling fees" which are added to the cost of the product. Even when these don't appear outright, you can be sure that the free shipping has been factored into the cost of the product. As you can see from the above information, free can actually end up costing you in hidden ways if you are not careful. In the end, taking the time to understand all the information and terms associated with the free offer is essential to make sure that the free offer doesn't end up costing you more than if you had never pursued it in the first place. Publishing Guidelines: This article may be freely distributed so long as the copyright, author's information and an active link (where possible) are included - there is no need to include these guidelines. A complimentary copy of any newsletter or a link to the website where the article is posted would be greatly appreciated.



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Fashion design school

Basic Criteria for Choosing Your Fashion Design School School, obviously, is the one main vehicle where you can acquire basic and formal training. This is true to all fields and industries. And as such, the fashion industry does not escape this reality. You may have the talent and the unique sense for fashion but without structured training, you might fail to understand and explore more on your gifts. Besides, one's success in the field of fashion relies partly on your choice of school. In this article, we will give you the basic criteria you can use in exploring your options of fashion design school. Cost - This is one of the main considerations that largely affect your choice of school. The sad truth with fashion design schools is that they are too few and among the relatively small number are the handful schools that can truly deliver efficient education. As with many other things, low cost fashion design schools are good but only if they can give effective learning. This is rarely the case though. Often, with lower fees, lower quality of education may be had. This is due primarily to the reason that such schools can't afford higher paying professionals to provide them with man power. Thus, they settle for people who can give service at a low price. Don’t let quality suffer over the limit of your budget. There will always be some well-performing fashion design schools that will suit your means. Area of Specialization - In the fashion industry, it is well recognized that one should have special fields where they are greatly inclined to. This must be triggered or further supplemented by the fashion school of your choice. The first thing you would want to do is to study the nature of the fashion design school. What fields does it cater? What courses does it focus on? What are their main emphases in delivering the art? These are among the many things that you should give intense consideration since the fashion design school that you will be choosing would largely influence your career later. The best aid for your choice of school is to know its reputation. A self respecting fashion design school is one that makes itself renowned in the world of fashion. Does your school of consideration participate in fashion school competitions? This would be a sure mark of fostering excellence in the industry and the school's commitment for brilliant education. To maximize your strength, you must therefore find a school that focuses on your own field of specialization. Considerations on the Curriculum - As with college education, you must also check into the curriculum offered in the school of fashion design. To get the best offered in your spectrum of choices, you can compare curriculum from various schools and decide what you think would best fit in your preferences. Ratio of teacher to students - The size of a class against a teacher means two things - the school is either too popular or it’s the other way around. Nevertheless, the larger the size of the class the more likely would education suffer. It is often better to choose between schools of relatively fewer students since this will normally have the implication of focusing better on the students. These are only some of the major points to consider in choosing your fashion design school. As for your final decision, your best judgment must out rule any doubt.



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The top 13 weight loss tips

Get ready to lose 10 pounds! By paying attention to the amount of food you eat, eliminating unnecessary sugar and fat from your foods and making sure you include absolutely delicious meals and snacks to keep your taste buds happy. Use this easy-to-follow and super healthy diet plan to lose the first 10, the last 10, or any 10 in between! Because it’s a balanced and flexible program, you can stay on this diet as long as it takes. Top Fast Secrets 1. Keep track of everything you eat and drink. No need to estimate calories – just write down the type of food or beverage and the amount. 2. Cut your fat intake in half, that means half as much margarine or butter on toast, vegetables and your muffin, half the mayonnaise on your sandwich, and half the oil in the pan when you saute foods. You get the idea! 3. Limit the sugar treats to three times per week maximum. 4. Include good sources of protein at meal, chicken, fish, legumes, peanut, cottage cheese, eggs or yogurt. 5. Eat at least one meatless lunch and dinner each week to reduce fat, increase fiber, and get yourself into the habit of building meals around whole grains, beans and vegetables. 6. If you’re not currently using skim milk, go down to the level of fat content in the milk you use. For example, if you currently use two percent, use only one percent. If you insist on whole milk, try two percent. 7. Eat at least two servings of fresh fruit every day. Choose whatever type of fruit is in season. 8. Instead of fruit juice for breakfast or snack, drink water. Add a slice of lemon or lime for zest. 9. Include two servings of vegetables with lunch and dinner, for a total of at least four servings per day. 10. Choose one to two servings of foods made from whole grains with every meal. 11. Shut off the TV whenever you eat – that includes meals and snacks. Studies show that we automatically eat larger portions when we snack in front of the tube, and typically those foods are high in fat and sugar, which means excess calories! 12. Choose calories you can chew – that means only calorie-free beverages (except for milk) Sodas are loaded with empty calories, and fruit juices provide less fiber and vitamins per calorie than the fruit they’re made from. 13. Plan ahead for meals and snacks so you know exactly what you plan to eat. Last-minute choice tends to be higher in calories and lower in satisfaction.



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What you should know about acne

There are many different types of acne and with that come many theories, myths, and treatments. The exact cause of acne remains a mystery. Why some pores are affected by acne and others aren’t, is not known. Each case of acne is as complex as the individual battling it and a treatment that works on one person’s acne may not work on yours. Acne obviously has physical effects but it can also have psychological effects, especially in teens. Most teenagers already feel awkward and different, add acne to the equation and they are identifiably different. Most teenagers with acne tend to have lower self esteem, than their peers with clear skin, and are not involved in as many activities. Adult acne is on the rise and can also be very difficult to deal with.

Due to the changes that our skin goes through as we mature, scarring is often worse in adults with acne than in teens with acne. Adults with acne are also less likely than teens to seek treatment for their acne, leaving them to suffer alone. Whether you are an adult with acne or a teenager with acne, your acne probably falls into one of a two main categories, inflammatory acne or non-inflammatory acne. If you have blackheads or whiteheads, or both, then you have non-inflammatory acne.

Inflammatory acne can be a little harder to identify. Inflammatory acne is characterized by papules, pustules, and in more serious cases, nodules or cysts. Once you have determined which category your acne falls into, you can explore the treatment options for your acne. Keep in mind that even if you have tried several different acne treatments to no avail, there is always something else to try for your acne.

There are new acne treatments coming up left and right and the next new acne treatment might be the one that goes directly to work attacking your acne and leaving you with the clear skin you’ve longed for.



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Try the patch not the pill

Oral drugs are out! Patches are in. Actually, recent medical observations have revealed that the concept of taking oral drugs is faulty and fraught with health hazards. First of all, the drugs you take orally become neutralized in the stomach, intestine or liver. The effect of those drugs is reduced drastically when they finally mix with the blood stream. But, to make those medicines work, if you consume higher dose, your health could suffer due to side effect. But through http:// gotopatches. com, you can get rid of the menace of oral drugs successfully. Thanks to our exquisite transdermal products, you don’t have to pop up pills or tablets or come to terms with the inconvenience of topical creams and lotions. Our patches have effectively rooted out the evils of conventional medicines. If you are a passionate smoker and want to minimize the adverse effect of smoking or if you want to have gorgeous skin, try our patches today. Realizing that oral drugs like pills are fast becoming unpopular among patients, many drug companies have switched over to patches.

But they are yet to match our versatility in producing patches for wide range of symptoms. The main reason for which patches have scored well over the tablets and pills or other oral drugs is that drug patches release the active compounds directly into the blood. Also, the patches don’t have to use the gastrointestinal system. That’s why chances of developing nausea or other nagging side effects are minimal.

So, if you hate waking up at the wee hours to take pills, you have now solution at hand thanks to gotopatches. com. If you are constantly forgetting when to take up the pills, come to us. Check out our wide range of patches capable of taking care of your health in a most healthy way. If you are peeved with the peaks and troughs of drug levels available in the oral drugs, opt for a smarter medical option – that’s patches. You no longer have to keep in mind when and how’s of taking medicines any more. Patched are extremely convenience and good for health. We take this opportunity to introduce you with our wide range of patches have won accolades all over the world. We have clients from every sphere of society. From consumers to corporations and governments, we have been enjoying a great fan following. Patches are the futuristic alternative to the conventional oral drugs. For a devoted smoker, it’s extremely difficult to quit smoking instantly. You will hardly find anyone who has made a resolution to quit smoking and fulfilled it. But, if you are a smoker and seriously contemplating the idea of quit smoking but don’t know how to achieve the mission impossible, we have the way. Opt for our specifically designed patch, Habitrol®. This innovative patch is phenomenal in successfully reducing and eliminating the nicotine cravings. What you have to do is just put on a patch in the morning and you will soon realize that your urge for smoking is decreasing day by day. Count on our Habitrol® program – this is truly the safest way to quit smoking. At gotopatches. com, we have introduced different patches for people with different smoking habits. As we have Nicoderm CQ® Heavy Smoker Program for those who puff more than 10 cigarettes a day, also we have introduced Commit® Lozenges Heavy Smoker 144 Piece Program for those smoking maniacs who smoke their first cigarette within 30 minutes of waking up. Fight with nicotine cravings with a vengeance. Out patches will help you thwart the cravings when you are in the most vulnerable period like after meals, on work breaks or in the car. Let’s move on from smoking remedies to top-class skin care. At gotopatches. com, we have introduced Lori's TanTowel, the greatest revolution in skincare. If you want to have natural, sun-kissed tan in only 2 hours, opt for this awesome patch. Thanks to this citrus-scented wet-wipe towelette, you will get an even, consistent tan. If muscular aches and pains are becoming too painful for you, opt for our ThermaCare® Neck to Arm Heat Wraps – you will get instant relief from pain in neck and arm. To tackle the pain in the lower back, we have introduced ThermaCare® Lower Back Heat Wraps that will give you immediate relief. To help women counter the menstrual cramp pain and associated back pain, we have launched unique ThermaCare® Menstrual Heat Patches. If you want to lose weight, we have the sophisticated appetite suppressant & metabolism booster йden Weight Loss Patch for you. You body’s ability to burn fat will increase dramatically with this fabulous patch. Don’t you want to lead a healthy life and also want to see your loved ones brimming with health? Go for our patches today. We have solution for every health issues at http:// gotopatches. com.



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Health what can you do to stay healthy

: There are 5 simple things you can do, to stay healthy. 1. Avoid smoking and smokers 2. Eat right and keep your BMI (Body Mass Index) at 18,5 – 24,8 3. Try to avoid drinking alcohol 4. Exercise daily 5. Sleep right1. Avoid smoking and smokersDangers of smoking.If you smoke, you should quit, smoking harms you and everyone around you.Did you know?- Cigarette smokers have a high risk of heart attack. - Cigarette smokes have an extremely high risk of lung cancer. - Each year over 300,000 Americans die from lung cancer, caused by smoking. - 75% of deaths caused by Emphysema and Bronchitis are directly linked to smoking. If you want to stay healthy, you’ll have to quit smoking and avoid smokers, because “Passive Smoking” can be as harmful, as “Active Smoking”.2. Eat right and Keep your BMI (Body Mass Index) at 18,5 – 24,8How to Eat Right?As I’ve mentioned in my previous article: “Diet: How to really make your Diet work for you?” , your body needs a proper Balanced Nutrition Diet, with a proper daily amount of: vitamins, minerals, proteins and carbohydrates.What can a proper Balanced Nutrition do for you?- Offer effective Weight-Management solution - Reduce fat and increase your body tone - Prevent and decrease signs of aging - Strengthen cardiovascular and immune systems - Regulate levels of sugar and insulin - Help regulate cholesterol level - Improve your memory and clarity of mindWhat is the BMI and how the knowledge of it, can help you to improve your health?Knowing your BMI, you can tell whether your weight complies with the standard or you have extra weight (or your weight is insufficient).The BMI is directly related to the health risk; as the BMI increases, the risk also rises.That is why it is so important to know your Body Mass Index and keep it safe (18,5 – 24,8)Body Mass Index Formulas:BMI formula (Metric): BMI = ( Weight in Kilograms / ( Height in Meters ) x ( Height in Meters )) BMI formula (English): BMI = ( Weight in Pounds / ( Height in inches ) x ( Height in inches )) x 7033. Try to avoid drinking Alcohol.So, why is it so important to avoid Alcohol, in order to improve your health? Alcohol has many side effects:- heart and central nervous system damage - stomach ailments - liver damage - blackouts - a high risk of alcoholism e. t.c.So, if you are serious about living a healthy lifestyle – avoid alcohol at all costs.

4. Exercise Daily.Exercising is very important for human health and has proven to be a good cure for many well-known deceases. How much exercising is enough?In order to be healthy, you need at least 10 -15 minutes a day of exercising.Also, you could combine your average daily activities with exercising, to save time.These, are just few examples of what you can do:- Walking at least 5000 steps a day - Walking up stairs instead of using elevators.

- Do some running instead of walking. e. t.c.5. Sleep Right.A good night sleep is very important, without it, all of the things I have mentioned above, would not work.



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formula for your success

: Finding your niche so you can concentrate. When you find out what your specialty is then you can start to promote to the people that are working on the same type of things you are. Are you just with a program to make money as an affiliate? Do you have your own website that goes back to your affiliate site? Are you selling homemade products? Are you someone that is selling from his/her own store or mall? There are so many different things to promote and you want to reach your target audience to get the results that you are seeking. Outline your tasks daily using the day timer you will know what day and time you can repost your ads or emails to Safelists. This is a great time saver.

If you have multiple email accounts a program called Thunderbird by Mozilla is tops, login one place and check them all at once. A lot times for every task to get the most important done early when you are full of energy. Take breaks so you can re-evaluate what you are doing and be more receptive to tasks still to be done. Organization will set you above the crowd because you will accomplish more. Reach your crowd after finding your niche you need to advertise to your target. Go to forums and post to the ones that fit your niche so you will be working your ads to people with the same goals and targets you have. In the forums you will not be able to blatantly set your ads out, post what you would like to add and then leave your signature with your URL in it. If they enjoyed or learned from your post they might want to follow up by visiting your site. Mentors get you trained and help stimulate the learning process. They keep you fortified with uplifting values and appeal to your excitement.

With the right mentor you will go farther because you are learning from them, this shortens your learning curve. When you work with others listen and you will gain information from them from what they have been doing in their promotion. Using every avenue of promotion, traffic exchanges also use banner views for your credits. They have blog exchanges, you view others blogs to get traffic to your blog. They also have banner rotators you can post one url in the banner slot with 5 banners loaded to cycle through. Just a few of the ways to make your time work better with tools online.

Before you purchase any software online check out and see what other people have to say about it at Google. This is a way to find out before you have put out your money for software that will not be used. Market wisely and then you will be in the profit zone. Leave nothing to chance, ad trackers help you to find which promotion is working for you. This also depends on titles and content when this has been checked and it still does not pull people in, then leave the non-producers behind and find new ones. Traffic Hoopla has the top promoters listed every week; this is a good resource to check.

This one costs but still a good resource - Traffic Testers. Advertise, and advertise some more, you just have to get the word out. Even the big names put their logos and advertising out there for millions of dollars. You can start with the free ones and after making money move on and put your money out for paid advertising. Keep your records so you know what you are spending and what is bringing the people to your site.



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8 examples of the modern day carpet sweeper

Does anyone remember the days of the Fuller Brush man or woman and the magic carpet sweeper they went door to door trying to sell? Well I must admit it wasn't quite what it was cracked up to be. But meet the modern carpet sweeper which is definitely an excellent household tool. Here are 8 excellent examples of the modern day carpet sweeper! The Housekeeper's Carpet Sweeper Hammer Schlemmer offers the Housekeeper's Carpet Sweeper which is rather unique from other carpet sweepers because the rotary brushes are mounted side ways making it more effective at picking up quite a variety of debris. No this one doesn't just spread it around so you can no longer see it. It effectively picks up the debris and it also works great along wall edges. Works well on flat carpet, plush carpet, short pile carpet, and even on the bathroom floor. Orek Hoky Carpet Sweeper Now that's a name to remember Orek Hoky [no that's not hokey]. This compact carpet sweeper has the patented Rotoblade wiper which will pick up both wet and dry debris and it works on a carpet surface or a tile or linoleum surface. It even works on brick, concrete, and vinyl. It's the perfect choice for homes, hotels, churches, schools, and clubs. Oreck Restaurateur PR3200 Carpet Sweeper If you think you need more than the Orek Hoky then you need to check out the commercial model. With all the features of the Hoky it's just a little bit sturdier and larger for those bigger jobs. The extra long aluminum handle makes it easier to reach under tables and around corners. It has side brushes on all four corners as well as the patented Rotoblade so there is no debris too tough for it. Pick up pins, paperclips, cigarette butts, food, and even sand. Rubermaid Dual Action Carpet Sweeper This carpet sweeper is ready for most any job you can throw it's way. The natural boar brush makes picking up debris of various sizes easy and it has two dual canisters so holds plenty and easy to empty. Use it on carpet, tile, linoleum, or even concrete. The One Sweep Carpet Sweeper I'm not sure carpet sweeper is the correct term for this gem but it certainly works well as a carpet sweeper. The rubble bristles dig in and grab that debris while at the same time no scuffing or scratching occurs so perfect for wood floors. Onesweep claims to be scientifically engineered and to be the most advanced broom style carpet sweeper on the market. It definitely is a durable gem and it definitely picks up that debris. Only problem is it has no built in debris canister so you'll need to have a dust pan handy. The Shark Cordless Sweeper The Shark carpet sweeper offers motorized brushes which roll and lift debris off of carpet, tile, linoleum, hardwood floors, and even walls. Comes with a removable dust pan so easy and tidy to clean. Works on a rechargeable system that's good for 60 minutes of use. Easy to keep charged and ready to use at anytime. Lightweight and compact. The Bissel Manual Carpet Sweeper Bissel a well known name in the carpet sweeper market for decades still offers a lightweight manual carpet sweeper that's convenient to use. It ha a powerful brush that has a cross action motion so it picks up debris that might be embedded. The large wheels make it easy to move around and it has an easy to clean built in storage area for debris. Simple single motion empties it and it's ready for the next task you can throw its way. The Casabella Compact Carpet Sweeper Casabella takes a carpet sweeper to a new level creating sophisticated lines, color, and design to fit your decor. Nothing like a decor! Carpet sweeper. It's an all metal design but it has a plastic bumper so you won't scuff or scratch furniture. It's manually operated so you don't have to worry about cords or recharging it. Just grab and use. If these 8 examples of the modern day carpet sweeper don't tickle your fancy a quick search on line will reveal plenty of other choices. Gone are the days of the fancy broom, these new carpet sweepers are a handy tool to have!



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Toshiba wins hollywood support for the hd dvd format

What led them to this choice, as all four studios stated separately, is better performance for the price and copyright protection. The other standard in competition, the Blu-ray disc, unconditionally backed by Sony Pictures Entertainment, is also counting on support from Metro Goldwyn Mayer and Twentieth Century Fox. The latter has recently joined the Blu-Ray Disc Association Board. The Blu-ray disc has more world leading electronics companies that support it: Sony, LG Electronics, Matsushita (Panasonic), Mitsubishi, Samsung, Sharp, TDK, Philips, Pioneer, Hitachi. Also, computer giants Dell and Hewlett Packard. The HD DVD standard is developed by Toshiba, Sanyo and NEC, under the endorsement of the DVD Forum. Both HD DVD and Blu-ray standards use the same wavelength blue-lasers that permit data storage on the disc at a higher density. This enhances the disc capacity and allows the recording of high definition video on DVD support. Wining the support of the big Hollywood movie studios is most important in the DVD format battle. Up to this moment, the four studios that gave their endorsement to HD DVD technology represent 45% of the DVD pre-recorded movie market.

The launch of DVD players in the HD DVD format is expected for the last quarter of 2005.



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A cooling real estate market and investing in pre foreclosures

With the housing market cooling and demand for mortgage loans shrinking, banks and other lenders are turning to nontraditional and sometimes riskier mortgages to bring in additional business and make up their dropped off business. Many lenders have turned to mortgage products designed to lower monthly loan payments and to help borrowers qualify more readily for larger loan amounts, while others require little in the way of documentation during the approval process. These loans do make it easier for some people to get mortgages, but they also can raise the possibility that some borrowers may end up in foreclosure. For the real estate investor or home buyer these market conditions represent a window of opportunity As housing monetary value appreciation rates slow, more mortgages going into default. Foreclosure notices has edged up in recent months, providing yet Another sign of a cool down in the real estate market across the U. S. For example in San Diego County, CA. Banks and other lenders sent 1,266 letters of default to borrowers in the third quarter, a notice that gives homeowners 90 days to become current on payments before moving towards a foreclosure auction. At the height of the real estate boom, the double-digit rises in home equity meant customers could pull out monies from the increased home equity to bask a life style that they could really not afford. Flush with the ability to tap into home equity loans, homeowners have pulled out cash to purchase new cars, furniture, vacations and other luxuries. Another boost to their life styles was rendered when homeowners refinanced using adjustable-rate mortgage loans that cut their monthly payments. But now the conditions are changing, in many areas of the country real estate price levels are flattening out and even not rising in some real estate markets. With little or no increase in home equity, or even vanishing equity, homeowners could find themselves in a tight spot. Additional forces are also having an impact on the housing market: New federal laws regarding credit card payments have passed to an increase in the minimum payment mandatory on credit card debt. For many people that payment will now be twice what it has been in the past. And, as energy prices and health care costs continue to march upwards to new all-time highs. Growing numbers of people are in financial situations where moines spent are exceeding monies earned. For the first-time real estate investor or seasoned veteran, the current market conditions are a window of opportunity for those shopping to buy real estate property just before foreclosure. A growing number of homeowners have withdrawen all their equity (sometimes as much as 110% of their home's value.) and now house values have turned down and they are upside down - where they owe more than they can sell the house for. Trapped in a situation where they can't pay their debts and they can't find a buyer for their home, real estate investors who understand the default process can offer a solution that offers the homeowner in default a way to escape from their mortgage payments and for the investor a way to secure a property in the process.



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