Easy and free unlimited file hosting service

Maintaining and running a business takes a lot of effort and in today's competitive world, if one does not have an online presence this becomes very difficult. In order to get a website created and functioning, the owner of the business needs to invest a lot of money and time. Everything from hosting the site, to domain name costs money. But for people who are looking for free file hosting, there are many options available today. There are sites which are into offering of free storage space that will help in hosting video or music files of any size and format, mp3 or otherwise.

Free web storage services are very interesting, it means the user does not have to worry about carrying the files, uploaded software on them, as everything is uploaded and can be downloaded from the web space itself. Since the uploaded mp3 files, and video hosting files are accessible form everywhere, and that too at any time. This works very well for music file hosting and for data backup as well. Apart from the usual word, music and video files, people can even upload softwares, Adobe PDF formatted files and carry out free software hosting too. Hosting a file means having a space to put your files in, and making it visible to all who access the sit. Almost all the free file hosting services offer unlimited uploads and downloads facility as well. They do however have a policy that says files that have been hosted but not been accessed for over a month or two will get deleted. This again is not followed by all, but most leading hosting sites follow this pattern. This is just to make sure junk files are not taking up space that can be used for other purposes.

The mp3, video and flash files uploaded could be up to 100mb in size, which means even the largest file can be accommodated. They also allow fast web hosting thanks to the bandwidth allotted to the sites, through which the users can access and download the files in no time. For people who are not very comfortable with the computer, they can get a professional or someone they know to do free upload files and store all their movies and images on the web. Earlier, people used to go in search of Floppy disks and CD's to store their favorite songs and movies, but today thanks to such free hosting facilities, life has become far easier. A person just needs to either remember the site's address or have it mailed to their own account and can access the data from anywhere in the world. They can simultaneously upload multiple files, which means they save time on upload and download. These also give them the flexibility to multi - task and complete numerous tasks within the shortest period of time. Thus, the free and unlimited web hosting services helps out not only businesses but also individuals who have tones of data and other files.



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How can i get credit card counseling debt consolidation

Are you deep in debt? Is it too difficult to find a way out? If you need debt help, don't worry: there are many solutions for your problems, one of which is called credit card counseling debt consolidation. What exactly is credit card counseling? If you have been cursing your decision of going in for so many credit cards ever since you got in debt, the credit card counseling industry professional will be on your side. You can team up with your counselor to effectively learn and practice a debt management program. Your credit card counseling sessions will help you acquire education and the skills to face a kinder, gentler future, free of debt. They will teach you to avoid destructive spending habits and lax payment patterns of yesteryear, which put you in debt.

In place of these, you will be soon transformed into a responsible and conscientious consumer. How do I begin with credit card debt counseling? When you start with a credit counseling program, your ultimate goal is to become debt free. This means that you are driven to eliminate all debts; and will do whatever it takes to get there. The crucial point for your long-term survival is to lose any fear of appearing unknowledgeable. You should ask questions--and plenty of them. If you still don't understand, request that your counselor explain it again. Do your research your self also.

Check your debt counseling company with utmost care. What are the components of credit card counseling? One important component within your credit card counseling program may be a form of debt consolidation--of which your credit card debt may be a part. Try to find out before forging ahead on this course of action what possible 'side effects' may be. You should inquire about things like whether or not you'll be able to use any of your cards when you choose to consolidate debt. Generally, most consolidation programs require you to forfeit your cards. You have to be the judge of how much importance this holds. If you are serious about getting appropriate debt relief once and for all, do not rack up any more credit card debt. Make it a top priority to eradicate your unsecured debt as well, when you opt for consumer credit counseling. Get rid of your debt today by signing with the right debt company. Talbert Williams 2000-2006 All Rights Reserved



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Health insurance know your facts

Approximately seven million of us have health insurance in the UK, for the most part it's provided by employers as a benefit. Consequently, most people take health insurance for granted and don't really look at the policy documents. That means that they don't really know what's covered, and what's not. If you think that health insurance will cover all your health costs, you're unfortunately wrong. Health insurance is very particular in its purpose – and is fine for curable, short-term health problems, and for allowing policyholders to bypass the NHS queues and get straight through to the consultants to receive quality care in a much faster time. However, there are many other treatments and situations which do not fall within the scope of the policy. Before you read on, we should advise you that every policy is different and you really need to read your own documents to get the full picture. However, this article will give you some very good pointers on what to look out for. Chronic conditions If you fall ill and it turns out that the illness can be cured in the short-term, it's called ‘acute' and you're covered. If, however, your problem is incurable or, even with treatment, it will last for a long time, then it will be classed as ‘chronic' and your policy will not cover you. It's the line between ‘acute' and ‘chronic' that causes conflict between insurer and policyholders. Diabetes and asthma for example are chronic – they are not curable and they stay with you for the rest of your life. Some types of cancer cannot be so easily classified. The doctors may decide that the cancer is curable, but then the illness could worsen and the diagnosis could be changed to incurable. This means that while the illness is considered curable, then you can make the most of your cover, but if the diagnosis changes to incurable, your cover will be lost. Insurance companies reserve the right to reclassify an illness from acute to chronic during treatment. Long-term treatment Long-term treatment is a definite no-no. But check your policy documents first to see their definition of “long-term”. It may be that the insurer will pay for 10 months, so if it's a 12 month treatment, you will need to pay for the final 2 months yourself. Preventative medicine Health insurance covers the treatment and cure of conditions, it cannot be used to pay for preventative treatment. What counts as being preventative is another grey area. For example, the drug Herceptin is used in the early stages of breast cancer, and research shows that Herceptin can reduce the chance of the cancer returning by 50% for women who have an aggressive form of the cancer called ‘HER2'. Some insurance companies call it preventative, some call it treatment: Norwich Union, WPA, BUPA and Standard Life Healthcare will pay



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Oil stocks as a long term investment

The demand for world oil is increasing while world reserves are decreasing. This is a known fact. The current price of oil can certainly confirm this statement. Consensus also agrees that we will never see $25.00 oil again. The logical conclusion to our above statement is oil stocks should be a good long term investment.

However, the location of the oil companies’ reserves can affect their bottom line and valuation. Some of the largest reserves in the world are found in Venezuela, Saudi Arabia, Russia and Canada. Political unrest in Venezuela, unstable and unpredictable government in Russia and Osama Bin Laden targeting Saudi Arabia leave Canada, namely the Alberta Oil Sands, as the largest, most reliable oil reserves in the world. Companies like Exxon Mobil Corp., Royal Dutch/Shell Group and Canadian Natural Resources Ltd. are planning to spend billions during the next 10 years to develop Alberta's unusual oil deposits as demand for crude rises and output from existing reserves decline. Oil sands output in Alberta may double to 2 million barrels a day by 2013, according to a presentation by Enbridge Inc. earlier this month. Oil sands are deposits of bitumen - heavy oil that must be treated to convert it into crude oil for use in refineries to produce gasoline and diesel fuels. The U. S. Energy Department revised its global oil resource estimates to include the oil sands 174 billion barrels of proven reserves that can be recovered using current technology.

With demand for oil and other commodities from China and India increasing due to their growing economies, strong trading relationships are procuring with Canada - a country with numerous resources, political stability and neutral military views. Companies with reserves in the Alberta oil sands look like a great investment for the next decade. There are many companies with reserves in the Oil Sands here are some with strong exposure. Suncor Energy Inc. SU. tse , Western Oil Sands Inc. WTO. tse and the Canadian Oil Sands Trust COS/UN. tse



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Why you should have a merchant account

If you have been running a web-based business successfully without the use of a merchant account, you may wonder why it is necessary to have a merchant account and all. After all, you can accept checks or money orders via snail mail; therefore, you may ask yourself, “Why should I bother with the hassles of signing up for a merchant account?” Nevertheless, you would be surprised to find that there are myriad benefits in having a merchant account; in fact, making more money through your Internet business is just one of them. First, in not having a merchant account, you are severely limiting the amount of income that you can make from your online business. For example, with a merchant account you can accept MasterCard, Visa, Discover, and American Express once your initial application is approved. In the case of the latter, you will be required to fill out a separate application for American Express approval. The approval process for a merchant account is usually five to seven days and the wait is well worth it; once you are approved immediately increase the type of payments you can receive and therefore increase the number of clients who were willing to buy your products online.

The most obvious place to get a merchant account is from your local bank. Simply stop and your local bank or visit the bank where you hold a checking or savings account and speak to one of the bank representatives about their merchant accounts. Conversely, your local bank will probably be more than willing to send you brochures or pamphlets that describe their merchant account programs in great detail. When you are looking to apply for a merchant account with a local bank it is a good idea to ear in mind that if you already have an existing account with a bank, that bank will probably be more willing to provide you with a merchant account based on their experience with you as an existing customer. If you have exhibited responsible behavior with an existing checking account of loan with an institution, the bank is quite liable to take such information into consideration when determining your eligibility for a merchant account. Having a merchant account also keeps you at an even keel with your competitors.

By simply researching the competition, you will soon find that many of your competitors have merchant accounts as a payment method for customers. The reason that your competitors maintain a merchant account is to primarily provide an added convenience for customers desire to pay by credit card. Not only is the authorization process fast, but allows the customer to place their order in the fashion that they've grown accustomed to while paying for their purchases. Another added benefit derived from having a merchant pertains to this simplification of record-keeping. Let's face it, when it comes to paying taxes no one considers it a good time.

Nevertheless, paying taxes a necessary evil and it pays to be well organized when tax season comes around. With the detailed monthly statements that you receive with a merchant account, you can access your expense records quickly and easily. Many merchant account suppliers offer software applications with their merchant account program that will allow you to improve the look of your website. For example, you can add a shopping cart to website or the ever popular “buy now “buttons. Such graphics give your website professionally designed to look and help your website appear easy to navigate and user-friendly: if customers find your website user-friendly they're more likely to return again and again.



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Dating advice tips to follow when using online dating sites

Online Dating Advice: The Big problem When you respond to an ad, posted by a lady, youhave to know that you are not the only one. It’s more likely that you r the 35-th person that is writing to her… I’d like to make a suggestion. Right here, right now, log on to the web and register yourself at match. com section as a lady (about 23 y/o, nice and slim). Be sure that you use an e-mail that is not valuable for you - getting a new free one for the purpose is a good idea. This is going to be a small experiment. After a couple of days you’ll find out two things: • it’s cool to be a lady in the NET :) • the approximate number of people you are competing with. Something more important - you’ll get the idea about what are the other guys writing about. This is valuable information. Don’t hesitate and be desperate if you get 40 emails the first day from all sorts of guys willing to go on a date with you. I’ll tell you how to make women think you differ from them. Online Dating Tip 1 The usual mistake Well, let’s suppose u did the experiment that I suggested. I bet you’ll find a couple dozens of variations of the following: “Hi! My name is Bob. I’m 2x/3x/4x… y/o. I live in PutTheName City. I’m (body measures&eye-hair colour follows). I work at a ImagineSomeBusiness Company. I like doing (this varies a lot). We might give it a try if u r interested ;) Bob” This sounds pathetic, doesn’t it? Bob is wasting his time. Of course - he has his own chances. If his job or hobby matches the lady’s ones, he’ll probably get an answer. If also the lady is posting an ad for the first time, and Bob is the first one to answer, again he’ll probably get a reply. Pay attention to the word “first”. 1 is the loneliest number… Where is he mistaking…. Bob might be a cool guy, but he shows nothing of it. What he does is a simple announcing of facts. His personality remains covered. As I said, he could be a good psychologist, witty, emotional and educated - whole bunch of features that women consider valuable. But if all this remains hidden behind these plain body/work/hobby facts, it’s quite easy for a lady to decide that nothing of it exists… With other words - Bob is wasting his valuable online time. As I said, only the fact-match remains something that can hook a lady. This is something very thin to rely on… Online Dating Tip 2 So, what to do? The answer is simple - you have to put some personality in your e-mail. Once you do this, you can be sure that you can leave an impression. If you manage to do this, your work is done. Remember the features I was talking aboutpsychologist, witty, emotional and educated. You have to convince the lady that you can think, have sense of humour and you haven’t missed the classes at school. Make her laugh, make her think; don’t disturb her with spelling mistakes and your chances to get a reply increase dramatically. It doesn’t matter if the lady is educated or not - she wants you to be such. Let me say a few words about each one of these features… Be a psychologist! Online Dating Tip 3 When you e-mail a lady you have to show yourself as a psychologist. Well, how are you supposed to do this? Simple - you have to make a small prediction that comes out to be true. First you have to read the lady’s ad and gather all the valuable information. Try to understand what is the proper motivation for her to post an ad. It might be stated directly - than it is useless for you to mention it. If she does not say it clear, then go for it - she’ll be pleased to hear that someone understands her. One thing that you can always use is the fact that quite a lot of people write something similar to the ad that I showed you above. You can predict that the lady is probably already tired of ads, telling about heights, weight and eyecolour. Say that you won’t bother her with useless facts. Promise to send her a picture instead in some of your following letters. Of course - do it if she replies. If you manage to make such a “working” prediction, this will convince the lady that the space between your ears is not filled with air. You know, even if you are not quite right, she might reply to tell where you are wrong. This is also a base for conversation. Use it. Be witty! Showing some sense of humour - well, something that is difficult to achieve sometimes. What I can say is JOKE WITH YOURSELF, NOT WITH HER! REMEMBER THAT! Don’t use any of the info that she gives as a material for jokes! It might work, but it’s more likely that you back the lady off. Try to get her point of view - she’ll say “Who the hell is he to speak like that?!” Don’t risk! In the same time, you can always make laugh from the way you look. Use phrases like “It could be damn worse” or “I don’t cover the mirrors with sheets at my place” when talking about your appearance. It’s a basic thing to show that you like yourself. If you don’t, well… this is a little bit far from the topic of this article, but do an effort not to show it (and constantly work to change this). It’s a basic statement that you have first to like and love the person that you see in the mirror in order the others to like and love you. Back to humour - keep the lines that are supposed to make her laugh unexpected and short. Online Dating Tip 3 Telling long stories with funny end is not a quite good idea - the end might not be that funny and the whole reading might be in vain. Coming up with a witty line at the moment of writing an e-mail is not always possible. It’s a good idea always to keep your ears opened for funny things, quotes, etc. Write them down the moment you hear them, or when they come to your mind. To get even more dating advice visit http:// datingadvice. ws



Online Dating advice tips to follow when using online dating sites

Internet dating advice and dating tips to meet new people for dating and possibly more

Most of the Internet dating advice available is for the person who has never participated in Internet dating before. Standard dating advice about how to begin Internet dating, what precautions to take when dating online, and how to move relationships from the Internet to the real world are all widely available. However, what about those people who need dating advice because Internet dating is something they enjoy but something just isn’t quite working for them? Thousands upon thousands of people have been using the Internet as a means of dating for years now, and those people need a different type of Internet dating advice than the Internet dating advice available for the novice Internet dater. Finally, that Internet dating advice is here.

Dating advice for the experienced Internet dater generally relates to three different major complaints. Either you aren’t meeting people despite your frequent use of internet dating services, you are meeting people but they are the same type of people over and over again, or you’re meeting new people and forming new relationships but they only seem to get to a certain relationship phase and then they fizzle out. People struggling with any of these three scenarios can benefit from some basic Internet dating advice. Complaint number one for whom experienced Internet daters often seek dating advice is: “I’m online all the time and I’m not meeting anyone.” These are Internet daters who are putting in an honest effort at finding a match online but just don’t seem to ever find anyone who meets their needs. There are three different reasons for this. One is that you might be too picky.

One is that you might not be expressing what you need clearly. And the last is that you might be on the wrong sites. You should figure out exactly what you are seeking from an online relationship, but be realistic about it. Your profiles and posts should clearly express what you are seeking. And if you still aren’t finding it, you should try using different sites. There are specialty sites for all different types of people and you should consider one of these if general sites aren’t working for you. Complaint number two for which people seek dating advice is: “I’m meeting the same people again and again”. Most often, these complaints come from the people who have Internet access all throughout the day at work or school. You know who you are. You post and peruse Internet dating sites almost like it’s a full time job. The problem with this is two-fold. First, you are most likely reading every profile that comes across, which means that you are either seeing the same people online all of the time or you are seeing so many people with the same interests that everyone is starting to blur together. Second, you might be stuck in a rut, posting the same thing about yourself again and again, so that you’re only drawing interest from the same type of people. The best Internet dating advice for you is to limit your use of Internet sites for a while, trying to explore all of the options within one or two sites before moving on to another site. Finally, many experienced Internet daters seek Internet dating advice because they meet and date a lot of people online, and they’ve had some success with relationships, but after a certain point, the relationships just fizzle out. Unfortunately, the answer here is not a simple one and the dating advice might not be what you want to hear. Internet dating is designed to help you meet more people who meet your needs. However, it’s a matchmaker, not a miracle cure, and if you have problems maintaining relationships, you might need more than dating advice to help you out. Don’t worry; you’re actually one step ahead of the game because you’ve moved on from needing Internet dating advice to being able to really work on the issues that are holding you back.



Online Internet dating advice and dating tips to meet new people for dating and possibly more

How to manage joint equity loans

яюHow to Manage Joint Equity Loans When a person decides to seek equity loans and there are more than one applicant, the banks will base income differently when considering the loan. In most instances, the applicants can request an equity loan three times the amount of the first income and half the amount of the second income, and/or two-and-a-half times of the incomes combined. One advantage of the joint equity loans is that the higher deposit put down toward the payoff of the loan, the less you will pay in APR. Most lenders request a depositing amount of 3 - 10% of the asking price of the property you want to buy. However, this depends on the area and lender and what they lenders offer. Joint equity income loans offer advantages; however, there are also disadvantages that could put the joint borrowers and the lender at great risks. It is important to learn the laws on joint equity loans, since if one or the other decides they want out of the deal, then the lender will have a tough time extracting the mortgage payment. And the borrowers will have a hard time deciding who owns the house and who has the right to sell it. Can one of you rent the house for extra income if you should decide to move into another home? Joint equity loans are frightening, since if one of the parties paying on the home becomes angry, this person may attempt to kick you out of your own home. It is important that you know that the law states that neither of the joint owners (one or the other) has to leave his/her home, unless the court s injunction requires that the party leave the property. Therefore, joint equity loans can often be risky; so if you intend to take out joint equity loans, make sure you know the laws, and know where both you and the joint applicant stands.



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Hosting a holiday party

Holidays are a wonderful time to gather with family and friends to share love and stories. The end of the year is a great time to catch up and share good spirits for the new year ahead. In fact, any time of year is a good excuse to get together with friends and family. If you are choosing to host a holiday party, there are many things to consider. One of the first things to consider when hosting a holiday party is whether it will be formal, semi-formal or casual. This will affect everything from the invitations, the decorations, to the food. If you choose to host a formal event, the invitations should reflect this with dramatic colors and elegant elements such as ribbon or sparkling designs. For a semi-formal or casual event, choose an invitation that reflects the holiday being celebrated and uses more casual colors and design elements. Depending on the holiday being celebrated there are a number of holiday party invitations that can be chosen. For winter holiday parties such as Christmas or Hanukkah, choose a holiday party invitation that best suits the mood and theme of the holiday party.

There are a great number of invitations whether it is a summer time 4th of July party, or a fall Halloween party. When and who to invite. Invitations should be sent to everyone invited to the party. Invitations should typically be sent out two weeks in advanced, or further in advanced for a very formal gathering. It is a very good idea to send out an RSVP with invitations for planning seating and food for the party. Throwing a holiday party can be very fun. Holidays are a great time for friends and family to get together and relish in the festive time. Choosing a perfect holiday party invitation will help form the theme and the mood of the event and provide all guests with a truly entertaining party.



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Roulette tips

Roulette casino game, like slot machines, is a game of plain luck where no skill or strategy is able to influence its outcome. Every spin of the casino roulette wheel is totally independent of all previous spins. No mathematical formula can be applied to explain and to predict the unpredictable behavior of the ball on the casino roulette wheel. Do not expect one of the numerous "roulette winning strategies" would work for you simply because there is none! But there is one strong theory that a a roulette player can increase his chances by playing the single zero roulette. The European or French roulette casino game table has 37 numbers including zero, while the American roulette table has 38 numbers including zero and double zero. Casinos almost always have both types of roulette casino game tables. According to this theory, which some people claim has been mathematically proven, players should only play the French roulette gambling game with a single zero. It should make their chances better by a few percent comparing to the American roulette casino game.

When you are going to play the French roulette casino game, ask if the casino uses the "En prison" rule which increases a player's odds. According to the rule, an even money bet (Red, Black, Odd, Even, 1–18, 19–36) that results in a spin of zero gets "imprisoned". If this imprisoned bet wins on the next spin, the original bet is released and returned to the player. Casinos with the American roulette casino game sometimes use a version of the "En prison" rule called "Surrender".

With this rule in use, player placing even bets only loses half of his bet on a spin of 0 or 00. Try your luck, hope for the best and have fun! We do not claim that these roulette tips will help you win money, this article is for information purpose only.



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Free online games solving puzzles can sharpen the mind

Online games have been under fire for some months now as addictive. The facts are different. Some games are surely addictive, but benefits far outweigh the negatives. For example there is a big range of puzzle games available free online. Can puzzles be addictive? Can puzzles spoil children? Let us look at the benefits of online puzzle games in detail. Online puzzle games benefits - every puzzle that we solve needs application of mind. No puzzle can be solved without concentrating the mind on the problem.

Ultimately puzzles lead the student improve his/her logical and analytical ability. Subjects such as operations research need these qualities in abundance. Higher mathematic involves lot of game playing. Those games are different, but once your mind sharpens solving online puzzles, you can proceed to higher levels of games in mathematics that can help solve many problems.

We have been solving puzzles since ages. The only difference now is that one need not search for a book or a magazine to look for puzzles. One can get them online for free. Puzzles that involve alphabets, and numbers are a fantastic method to sharpen the ability of children in thinking. Please encourage your children solve puzzles. By depriving them that, you may drive them to something bad. Better to give them the satisfaction of solving online puzzles and sharpening their mind. Sit down with them and make the selection with them.

After that give them the freedom to play and solve puzzles. You will find out the results yourself after sometime.



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For the in between times short term health insurance

For the In-between Times: Short-term Health Insurance When people think of health insurance, they think of traditional health insurance, with office visits, co-payments, and prescription drug coverage. However, such health insurance is not always available. Perhaps you are transitioning from one job to another; or maybe you are employed part-time or with a temporary agency that does not offer full health coverage; or you might be attending or just graduating from school. In these situations, traditional health insurance is sometimes not available. If you are unable to afford traditional health insurance but would like some coverage in the case of an accident or emergency, short-term health insurance is your best bet. Short-term health insurance fills the gap in health insurance coverage that may come about for a number of different reasons, including those listed above. The idea of short-term health insurance is built into the name - it is a short-term solution offering short-term coverage, with the expectation that at some point, you will begin or resume traditional health insurance coverage. It is designed for those who would like some coverage in case of accident or injury and covers only emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care. Though policies vary, these are often standard in short-term health insurance coverage. However, short-term health insurance does not cover regular physician visits, nor do they cover pre-existing conditions. If you are looking for this sort of coverage, you should consider obtaining a traditional health insurance policy or looking into other options. Short-term health insurance costs vary greatly; you will have a monthly premium, ranging anywhere from $25 to $100, depending upon the plan's coverage and deductible, which often begins at $250 and can increase to $5,000. Most policies these days also offer a reasonable pay-out amount (often one or two million dollars). Policies allow you to choose coverage for specific lengths of time, from 30 days to 90 days or six months, but almost no short-term policies extend past one year. How do you find short-term health insurance? It is not as difficult as it may seem. A simple Internet search will yield a number of companies that offer short-term health insurance coverage. Searching online will also give you the opportunity to compare different companies and different plans. Just be sure to research each of the policies carefully to understand your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.



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Handicap scooter vs wheelchair how to tell which one is right for you

Right now you may be at a point in your life where you need help getting around. You can’t move around the house and outside like you used to. And walking in a grocery store to do your shopping is now a monumental task. In these instances, that’s where a good electric wheelchair or handicap scooter comes into play. Problem is, which one do you pick? What follows are different points to keep in mind so as to help you make the right decision. · First off, if you’re working with a clinician or aid, talk with them about your particular situation and get their feedback. Odds are, they’ll be able to tell you decisively whether a scooter or wheelchair is right for you. · The control issue: Keep in mind scooters are steered with a tiller much like a bicycle’s handlebar. While electric wheelchairs are operated by a programmable joystick. That said, your upper body ability to manipulate a “handlebar” style control vs. a joystick will go a long way in determining which one you choose. · Posture/Support issue: If the mobility aid user has a posture/spinal support issue then a wheelchair will usually be the better buy as they tend to offer features like power stand, power recline, power tilt, and power elevation. · The transportation issue: When it comes to the user of the mobility aid doing a lot of driving and traveling, which device you choose will largely be based on this too. For instance, handicap scooters depending upon the model can be broken down into multiple parts for each storage in a car’s trunk or stored in a min-van or SUV. Whereas, a wheelchair (unless a foldable, non-electric) cannot be stored in the trunk. In that case, an electric wheelchair requires what’s called a lift and may very well require a wheelchair van for transportation. · On the driving issue: When it comes to going from your mobility aid to actually driving your VAN/Mini-van, it’s important to note that scooters aren’t as safe as a seat in a motor vehicle. They’re also harder to tie down. However, you can operate your vehicle from a power wheelchair – and they’re safer than a handicap scooter because they have a 4-point tie down. · On price: Scooters are more affordable than wheelchairs. Of course, when comparing the two a lot of it has to do with the “add-on” features you request.



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An introduction to bach flower essences the twelve healers

What are Bach Flower Essences? Pioneered by Dr. Edward Bach in the 1930's, a flower essence is a liquid preparation imprinted with the etheric pattern of a particular flower. Like a homeopathic remedy, the liquid - usually spring water with a little brandy added for preservation - contains little or no detectable chemical substance of the flower from which it was made. Instead, the liquid maintains the vibrational pattern of the flower. Well, what does this mean, exactly? To understand flower essences (also called 'flower remedies'), you can imagine that all things are made up of vibrating energies - modern physics and eastern mystics both confirm this - that there are no finite particles, but instead repeating, dynamic energy patterns. Material objects are made up of huge amounts of energy really, as Einstein had shown with E=mc2, where the amount of energy (E) is equal to the mass (m) of an object times the speed of light (c - a very big number) squared. Now picture a beautiful red rose - bright, colorful, vibrant - the Rose has a particular energetic pattern, one that is repeated in every other red Rose (though not exactly, but very close).

There are energy frequencies that are particular to the red Rose that are different from all other flowers. The vibrations that make up a Rose are faster than many other flowers (Rose is considered a very high-vibration flower), and these vibrations are woven together in a particular way. Now imagine any other flower - a Geranium for example - it's vibrational patterns are different from the red Rose - slightly slower perhaps, and woven together in a different way. It is these vibrational patterns of each flower that give them their particular characteristics - color, shape, smell, texture, and the like. Now, somewhat like a sound from one source can make a material across the room vibrate with sound energy (as your eardrum may vibrate from the plucking of a guitar), flowers can cause water to vibrate with a different sort of energy. It's not so much a sound, or even light (though this is closer), but 'etheric' energy - the very essence of the flower has a vibration that is imprinted upon the water in which it is placed. The water, being made up of vibrational energy itself, retains some of the vibration of the flower that was soaked in it. This etheric imprint is stored in the water, and can actually be transferred from the water at a later time to other objects (or beings) also made of vibrational energy.

So, what does all this mean to us?! Well, Dr. Edward Bach held the notion that the source illness or disease was emotional in nature. And when one ponders what emotions really are, one can conclude that each emotion is a particular energetic state of being. All emotions seem to have a particular energy - love, despair, anger, fear, appreciation - one can consider each of these a different energetic pattern. Dr. Bach considered negative energetic states, negative emotions, to be the source of disease in the body, a theory supported by much of the world's healers.

Dr. Bach also thought that these energetic states can be transformed, and that one of the transformational methods he discovered was the use of the vibrational patters of flowers - it was then that Flower Essence Therapy was born. Through years of research and study, Dr. Bach developed a system of therapy using the vibrational patterns of flowers, imprinted into spring water, to transform the emotional vibrational patters of human beings. He showed through numerous case studies that flower essences, properly selected and applied, can be effective in treating the negative energies which underlie most disease states. Further, one need not have an illness or disease to realize the benefits of flower essences - flowers can be used to assist in transformation of any negative emotional state, be it temporary and transitive, or a more ingrained long-term pattern. (Flower essences do not transform positive states into negative ones, as flowers are not thought to contain negative energies themselves). Dr. Bach's 12-7-19 Categorization Method Dr. Bach categorized the original 38 flower essences he discovered into 3 categories to assist in their application. The categories are the '12 Healers' which reflect and transform our essential nature, the '7 Helpers' to assist with chronic conditions, and the 'Second 19' that relate to more immediate traumas or difficulties. Here we will consider the Twelve Healers and describe the properties of each essence. The Seven Helpers and the Second Nineteen will be considered in Parts II and III of this article. The Twelve Healers were designated by Dr. Bach as the flower essences that help the individual transform the source of discord at the very core of their being. These twelve essences are meant to address the twelve archetypal groups of humanity; the twelve primary personalities as Dr. Bach saw them. Some have gone so far as to relate these to the twelve signs of the Zodiac (a reasonable relationship it seems), though it is unclear as to whether this relationship was drawn by Dr. Bach himself. These twelve essences are an excellent starting point for any journey into flower essence healing, as it is often times our root 'disharmony' or karmic imbalance that is the source of much or perhaps all 'dis-ease' in our lives. The Twelve Healers: Impatiens - As the name of the flower implies, this essence addresses a tendency toward impatience; these individuals have difficulty with the flow of time. Their minds are often far ahead of the present moment, and with this they will deny themselves full immersion in the beauty around them. The individual needing Impatiens may be truly lonely, always being ahead of those subtle human exchanges which bring the richness to our collective human experience. Many find Impatiens to be a relatively 'fast acting' flower essence, feeling more at ease within minutes of essence use. Gentian - Those in need of Gentian flower essence are too easily discouraged when setbacks occur. They may live with an omnipresent feeling that things are not going well, and may doubt the possibility of their own healing. Gentian can bring about a more positive outlook - perhaps with the feeling that one is 'good enough'. When things do not go exactly as planned, instead of being overwhelmed and disheartened, one can see the lessons in the circumstance, perhaps rebounding with more wisdom and strength than before. Mimulus - This essence is the core remedy for known fears in everyday life. Those needing this essence can be hypersensitive to common events which will elicit an out-of-proportion fear response. The fear may be found in the physical body centered in the solar plexus, which may churn with anxiety. Mimulus flower essence helps bring courage to these individuals, bringing the strength of the higher Self to the personality so that they may find joy and exuberance in their lives. Clematis - The Clematis flower essence type is a dreamy one; there is insufficient interest in the immediate moment of daily life. The individual may have a strong inner life - the abilities to dream, visualize and imagine are well developed, but the manifestation into the physical world is not strong. Clematis can help bring a warmth to the bodily incarnation, such that the individual can channel their great gifts into the here and now. Agrimony - The Agimony flower essence type tends to hide more deeply rooted pain or ailments behind a cheerful faзade, both inwardly and outwardly. They may make light of their own suffering, or try to ignore it all together, when really there are patterns and feelings which need to be addressed for personal growth and healing. These individuals may have been raised in strict environments, which may not have allowed the expression of such troubles. Agrimony flower essence can help them find inner peace, by allowing the connection to true inner conditions, acceptance of these conditions, and subsequent transformation. Chicory - Filled with self-pity, and the 'nobody appreciates me' attitude, the Chicory flower essence type squanders their light by demanding it from others. A guise of seemingly loving behavior can be used to manipulate others into feeding somewhat selfish needs. The Chicory essence is considered important for clearing loving energy pathways so they may be directed outward and given freely. May be particularly helpful with children who have a pattern of negative behavior for demanding attention. Vervain - The lesson of Vervain flower essence is one of balance. The individual in need of Vervain may be extreme, over-bearing, and very strong - perhaps inflexible - in their ways. Though their energies are high, the single-minded efforts of the Vervain type can result in stress, when given situations where flexibility is required. This is where the mind-body connection can be lost; the mind can be so strongly committed to a particular action, it may no longer consider the long-term effects to the physical being. Vervain flower essence brings grounding and earthly balance, allowing these strong-willed individuals the flexibility necessary to manifest their great intentions and efforts. Centaury - The flower essence for those who cannot say no. The Chicory essence type finds their reason for being in the service and acceptance of others. The result is no true value of self, and the spreading thin of personal energies. There is the recurrent theme of personal boundaries being overstepped, because the will to create and enforce those boundaries is weak. Chicory flower essence strengthens the value of one's self, supporting the notion that one's life in and of itself is of importance. The idea that one must truly be honoring and respectful to one's self first, before others can be served, is reinforced - It is then that personal healing can finally be initiated as a powerful force. Scleranthus - The personality in need of Scleranthus flower essence is marked by indecision, confusion and hesitation, often wavering between two choices. This inability to decide the best course of actions for one's self can be physically and emotionally draining - this mental energy is used repeatedly examining a situation rather than manifesting the best choice. The world can be a difficult place for such individuals, as there are limitless possibilities in which to get lost, never really making headway. Scleranthus will help these individuals define themselves and their world, summoning the strength to form an inner resolve. This allows a great release of energy to be happy and manifest one's chosen work. Water Violet - This important flower essence is about the opening of the heart. Those in need of this essence may be functioning quite effectively in society and within their familial relationships, however, the deepest parts of these bonds are avoided. Whether due to childhood experiences, karma brought to this life from the past, or other situations, the individual has constructed a barrier preventing full integration with the human family. The true warmth of love and companionship should be utilized to further one's growth - Water Violet flower essence supports this transformation. Rock Rose - This is the flower essence for great fear. Unlike Mimulus, which is indicated more for a fear which manifests as being 'timid', Rock Rose addresses terror. It is often indicated in traumatic events (as a component of Rescue Remedy) or for specific instances where a reaction of overwhelming fear is inhibiting further growth or healing. If one has been diagnosed with a life threatening illness, for example, and one is overcome with the fear of death, this fear will inhibit any healing process that may take place. Rock Rose brings courage to those most in need. Cerato - Cerato flower essence types do not trust their own hearts, minds or instincts; instead they seek the advice of others, and rely on this advice to direct their lives. This almost certainly creates an imbalance, for it is only by honestly listening to our own inner voice that we may walk the path to true physical and emotional wellness. While seeking advice is certainly important in most of life's circumstances, the Cerato type uses this advice as a crutch. Cerato flower essence will encourage one to listen to one's own inner wisdom and facilitate spiritual growth in this respect. This concludes the summary of the 'Twelve Healers' - the flower essences Dr. Edward Bach considered key to transforming root personality imbalances. As a physician, Dr. Bach believed that one or more of these imbalances was to be found associated with the illness of each patient, and that if these imbalances were addressed, the conditions necessary for healing may successfully arise. Of course one does not necessarily need to be outwardly manifesting a state of dis-ease to find benefit in these flower essences; through bringing balance to any person, they may further their personal development and heighten their life's experience.



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Scrapbooking tips

Have you ever found a very old family photo album, perhaps in your grandparent’s house, and had no idea who the people in the photographs were? Sometimes no one remembers who they are, and a part of your family history is lost forever. One of the most frustrating things about finding old photos or old albums is the lack of information in them. Often there is nothing to identify the photos. No names, no dates, no locations. One way to keep that from happening with the albums that you create is to take the time to journal in them. Today, creating photo albums has become an art form known as scrapbooking. These scrapbooks are more than just photos on a page. They are family histories, meant to be handed down from generation to generation.

Journaling is important for several reasons. First of all, it will provide valuable genealogical information for future generations. Secondly, journaling is a way for you to make sure the stories of your life and your family’s life are persevered. Also, it allows those with whom you share your albums to look through them without having to have you narrate through the entire album. They can take their time to browse through the album, enjoying the photos and reading the captions and stories. What do you need to journal in your album? You need to have acid free, permanent pens that are created for scrapbooking. It’s important to choose these types of pens because they are photo safe. They will not damage the surrounding photos as time passes.

You may want to have pens in a variety of colors or just black. The colors you use, however, are not as important as getting the words on the page. At the very least you should write identifying information associated with your photos. This would be people’s names and who they were in relationship to you. It could be as simple as “My cousin Jack White, “our neighbor Bill Smith,” or “my co-worker and good friend Jill Jones.” Identifying people with a little more information than just their names will be helpful to those looking through your albums. Other important identifying information would be dates and locations. In addition to identifying information, many people choose to go further in their journaling. They tell stories that go along with the photographs. These can be short paragraphs that highlight what was going on or entire pages of written memories.

If you’re new to journaling and unsure how to fit it into your album, try some of these tips: Lists are great to put in an album instead of just straight paragraphs. For example, if you are doing an album for a toddler you can make lists of their favorite things – food, books, toys, tv programs, songs, etc. and sprinkle them throughout the album where there are blank spaces. Ask others to write in your albums. Get your kid’s dad to write his point of view of his fourth birthday party. Have a friend you took a trip with write her thoughts on the trip. Use poems or quotes that are appropriate to fill in some blank spaces. Have a little white space left on the page of Halloween pictures? Find a cute pumpkin poem to fill it in. Whether you choose to simply write in the important identifying information or go a step further and tell stories with your albums, journaling will make your albums more personal. It will also leave future generations with valuable information that they will be grateful for.



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Looking into au pair agencies

Any parent or parents can benefit from having some good au pair agencies on their side. If you have not had the chance to find out much about au pair agencies yet then there is no time like the present. It is important that you get only the very best care for your children and au pair agencies can give this to you. When you choose to work with au pair agencies you will be choosing safety and security every single day that you leave your children with the nanny. Au pair agencies send you the perfect child care worker and this woman will generally be expected to work several hours each and every day. For example most of them will work at least 5 hours each and every day, she will receive room and board for this work as well as a small allowance for any other needs that she may have. The au pair agencies also request that you give your au pair a couple of weeks paid vacation each year, usually every 6 months or so. This is a great way to keep your au pair agencies and the au pairs themselves happy and contented. The happier she is the happier your children will be in the long run. Au pair agencies are fantastic services that will provide. Most of the women that au pair agencies employ are coming from another country to yours. This means that they are choosing to travel overseas and this is usually to help improve their language skills while making a living.

The vast majority of those who work for au pair agencies also take some classes to help them learn the language that much faster. There is no other agency that can compare to au pair agencies, they are one of a kind and well worth investigating. You do need to watch out for a few choice things however. For example, au pair agencies do not require that their au pairs have special training of any kind.

Some of those who work for au pair agencies have no experience with children whatsoever. It is a good idea to hire your au pair from the au pair agencies and then watch her for a while to see if she is really a good fit for your family. You may not want to leave your kids alone with her until you have watched to see just how she interacts with them. Try to determine if she even likes kids and how she deals with them when angry, does she discipline them the way that you would like to see them disciplined. You can benefit enormously from working with au pair agencies. They will provide you with all of the extra help that you need with your kids and for a great affordable price. You will also be helping another individual meet their own personal goals and dreams, this is just another added bonus of working with au pair agencies. So if you have not yet checked into au pair agencies then you should start doing so today.



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Honest business opportunities review

Honest Business Opportunities Review. Finally an honest way to make money online. Tired of business opportunities that do not deliver what they promise? We have reviewed the top selling programs on the Internet today. Below you will find a link to reviews of the top 3 opportunities that actually work. The key to making money online is knowing how and where to start. Without the right starting point you will waste precious time and a ton of money. The following products guarantee your online success, all you have to do is read them and follow their expert advice! All programs provide a 100% money back guarantee, require little or no experience, offer a step by step guide, and use proven strategies that will make you money. These programs are simple to use, have a small investment price, and you are able to see results usually on the first day! Now you won't make millions overnight, like some programs promise, but you will build a nice part-time income that can certainly help with the bills (everyone I know wouldn't say no to an extra $500+ bucks a month). You might even consider using all the suggested programs and over time replace your existing income. That's what I did, and lord knows i'm no "guru", actually i am a journeyman carpenter from Canada that just wanted a nice online hobby business. I wasn't expecting great things, just some extra cash, some "FUN" money. Now these programs have really taken off, I spend more time with my family and playing in my shop. I never expected this business to explode for me! Check out our new #1 Pick! This one is rated the #1 Opportunity for making money online. Warm Regards, Dwayne Armstrong



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Ira beneficiary planning strategies

Here’s an estate-planning technique that allows you to lower the tax sting to your heirs, and that reduces your retirement income in case you don’t think you will need all of your Individual Retirement Account funds in retirement. It’s called a “stretch IRA,” or “Multi-generational IRA,” a complex investment tools that allow you to extend the tax-deferred status of your IRA long after your death. By naming your children and grandchildren as the beneficiaries of your retirement assets, you enable them to stretch out the annual distributions of that IRA over the course of their lifetimes. Structuring the stretch There are four primary approaches to structuring a stretch IRA; the traditional, spousal-rollover, participant-direct and the mixed, or combination, approach. In the traditional set-up, your spouse is the primary beneficiary and your children or grandchildren are the contingent beneficiaries, however distributions and income tax deferral are extended only through the life expectancy of the oldest beneficiary. By using the Spousal Rollover Approach instead, your spouse remains the primary heir and children or grandchildren become the beneficiaries with their own IRAs. This strategy allows the distributions and income tax deferrals to extend through-out the lifetime of the beneficiaries you name. That, in turn, provides significantly more tax deferral and a much longer opportunity for that IRA investment to grow. If neither you nor your spouse need to dip into the IRA during your lifetime, you could also consider structuring your multi-generational IRA using the Participant Direct approach, which can provide the greatest tax benefit of all. Using this strategy, you’ll be asked to break up your retirement assets into several different IRAs like the spousal rollover-except that your children and grandchildren, not your spouse, are listed as the primary beneficiaries, so you can lower the amount of the minimum distributions you are forced to take out once you hit age 70-1/2, and leave more money behind for your heirs. Lastly, there’s the Mixed approach. A combination of strategies from the stretch IRA, it is structured as a spousal rollover with the remainder under the participant direct category. You may want to give this strategy a closer look if the surviving spouse does not need the IRA assets, but reigns while he or she is still alive. Consult a qualified financial planner experienced in Stretch IRAs for more specifics on these plans and which approach is right for you and your family. You can freely reprint this article as long as the author, bio, and live links are left intact.



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Get paid to play games become a video game tester today

Hi, My name is Alex Lum. I have been a video game tester for various Game Developers for 4 Years now. Did you know that the average pay rate for game testers is from $9-$80 an Hour and that you don't need any formal education. The only requirement for being a game tester is that you are 15 or over. Video Game Testing is my job and I make $150,000+ per year doing it. Did you Know? You do not need any formal education to be a video game tester. You can get paid $9 - $80 an hour being a video game tester and get to keep the games you test. Anyone can become a game tester, all that is required is that you are 15 or older to get paid to play games. You only need one video game system to become a video game tester. You can work as much or as little as you want to. You might have seen other programs online saying "you can make $150 an hour playing video games online". Don't trust other programs for these reasons: They only explain ways to play Internet games, and win prizes, not how to become a game tester for such companies as Microsoft, Activision, etc... They are not experts, I have been a video game tester for 4 years, I doubt that any of them have never even worked in the video game industry before. FAQ How Much Can I Make? You can Make anywhere around $9 to $80 an Hour, right now I make about $75 an Hour. Why Would a Company to Pay Me? Because your opinion on their Video Game is extremely important to them. You will be telling them what you like about the game, and what you dislike about it, and to let them know if there is anything wrong with the game. This information is crucial to them, to ensure the successful release of the game. How Much Can I Work a Week? You can work as much or as little as you want. Just pick the jobs that you would like to complete and they will either have you go into a local testing center, or they will send the game to you. When Do I Get Paid? Normally, you get paid upon completion of an assignment. Usually, about once a week. Are There any Requirements to Be a Game Tester and to get paid to play games? There are no requirements. You just need to be 15 or over to get a Game Tester job. Do I get to Keep the Games I Test? Many companies allow you to keep the games you test. I have about a 300 XBOX game library from all of the games I have tested. Want to See How? Go to GameTesterGuide. com



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Making your living with internet marketing

Many people would like to give up their job and tell their boss where to go. We have probably all had bad jobs at one time or another, all had terrible bosses who underpaid and overworked us. Perhaps you are in one right now? Would it not be wonderful to set our own hours and make an income we feel we deserve? Well the good news is, we can. Internet marketing gives you, me, and anybody else who desires it, a substantial income working from home, with low start up costs and no boss to worry bout. It really is that easy. With perseverance, patience and willingness to learn, with the ability to muster our own motivation, everybody can succeed online and make a very comfortable income online. This opportunity did not exist ten years ago. Now it does, it is vital to take advantage of it now, while it is still in the early stages. Getting into something early has always rewarded those who did. And over the next ten years I would only expect the numbers of people living on an income online to triple and more. There are so many choices of how to make this income. Whether it is contextual advertising (Google Adsense), or selling a product you created, to selling a product or service that other people created, there are so many ways to make an income with Internet Marketing. All that is required is taking the time and effort to learn this often mistakenly complicated skill. In reality it is not really all that complex at all. Once you can negotiate all the misinformation and information flood that is out there. And overcome the fantastic promises made by so many people that you can make a huge income online with no effort and no money. Obviously you must be able to accept responsibility for your own income. For the one positive aspect a regular paycheck does give is security. So, without a boss and working for someone else, you lose that security. However, usually the paycheck does not increase much over time, even with promotions. Whereas, with internet marketing, your income really only depends upon time and effort. There are many people making ten thousand dollars a month. And many more producing a full time income of two or three thousand plus. Would you like to join them? Well the good news is you can. Be prepared to work hard and learn, and the results, therefore the high income, will follow for you too, with internet marketing. Copyright Gary Martin 2006 All Rights Reserved



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