Natural remedy for acid reflux

Heal yourself from acid reflux, find an effective natural remedy Have you been suffering for a long time from gastro esophageal reflux disorder and helplessly tried all the alternative drugs that just ended up to tolerance? And you don’t even make yourself feel better at all? Then you become sluggish and lose your appetite to go out and meet with friends or any other activities? Most probably you’re just making the drug companies wealthier by patronizing a product that doesn’t even heal you at all. When you become addicted to the prescribed drug, it seems that you can no longer live without it. So put a stop to your suffering and heal yourself effectively. There are better natural remedies that can provide the cure that you actually need. No side effects. No addiction. And with steps so easy to follow. The only thing you have to do is to make it a part of your system. Studies show that treatment of acid reflux disease does not only fall on attacking the GERD alone, but on treating the whole person. This means that the individual infected by the disease should inculcate a good living habit while taking medicines. The primary habit that must be corrected to outwit the acid reflux is the change of dietary habits. Since the disease involves abnormal stomach acid production, the person must stay away from certain foods that trigger or aggravate acid reflux. Fatty and acidic foods must be avoided in preparing meals for those who have excess acid production. The same case is true on alcohol, caffeine, and soft drinks. This will prevent the symptoms, such as heartburn, to occur. A severe smoking habit must also be stopped. Paradoxical and scientific basis had proven how smoking could worsen the acid reflux disease plus the risk that it can give to those people who do not yet have the disease. Those who smoke regularly are 70% vulnerable to get a gastro esophageal reflux disease compared to those who do not smoke. And the symptoms of those who are suffering from the disease are doubled due to this bad habit. This spells out to doubling of the pain that they also have to suffer. For almost any body disorder, the chief advice is exercise. Perhaps this universal cure could be so powerful that it covers a wide range of diseases. Exercise does not only keep the body parts functioning properly, more so, it uplifts the spirit. If you feel tired and sluggish and you still confine yourself in a corner, the sicker you will most likely get. Besides, the early morning sun is so soothing to strained body systems that it can easily transform it to an energetic one. Modifying a lifestyle includes the avoidance of lying down right after a meal. Enough time must be given for the stomach to properly digest the food before slumber. Also, eating must be avoided two hours before sleeping. And when its time to sleep, there is also a system to be followed: the head must be elevated than the body. The altitude of the elevation must be about 6-8 inches. A great percentage of those who follow this method find a complete relief from the acid reflux disease. These simple tips will work well in the combination of herbal products. And if you keep a good system of eating, exercising and avoiding things that pollutes you, you are healing yourself better than any drugs can.



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Direct marketing

Still, today, with all the internet advancements, direct marketing is one of the most effctive ways to promote your business. Direct marketing gives you massive amounts of personal exposure to a large amount of people that would take you days to reach, were you to address each manually. And, one of the major advantages are you are sending your offers to those who have agreed to receive them. With one simple submission. With direct marketing you are constantly reaching new prospects on a daily basis, giving yet another advantage to promoting your business. There is no need to download any software, or import email addresses. You send your ad Spam Free Direct From The Server from an online interface. And, depending what direct marketing campaign you are on, can reach millions. Direct Marketing still is one of the most inexpensive, most effective ways to promote your business. Many clubs have posting every day, or other day. At We-r-cashingin you can post hourly. For a very minimal price of $4.99 for a lifetime. Unbelievable to be able to contact millions each day, with new prospects added everyday, and not pay more than five dollars for a lifetime! Not only one of the best forms of advertising, one of the most affordable. To receive more information on the We-r-cashingin package please visit http:// we-r-cashingin. com/blaster/main. cgi?251295835.



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High speed print apply

A company has launched a high speed print and apply solution for variable information labelling. The ALX 720 is suited to the print and application of information such as pricing, ladder or picket fence barcodes, stock numbers, batch codes and general promotional labelling. It prints and applies up to 250 labels a minute, depending on label size, and has a label stop accuracy of ± 0.5mm. The system uses the latest thermal transfer, near edge, 300dpi print head technology to produce high resolution output in a choice of 17 fonts, including OCR/A and OCR/B, as well as two scaleable fonts. Digitised drawings and logos can be imported for incorporation in print designs. Applying labels to the top, sides and base of a variety of cartons, containers, packages and products, the ALX 720 prints at speeds of up to 300mm per second and labels at speeds of up to 30 metres/min. The company says that, unlike 1:1 print and apply systems – where label application is limited by print speed – the ALX 720 has a label buffer between the print head and dispensing edge. This, it says, enables greater flexibility and optimum speeds to be achieved at both print and apply stages. The unit features the company’s automatic product speed following technology as standard. This ensures accurate labelling through the continuous monitoring and automatic adjustment of the labelling speed to much product presentation to the labelling edge, says the manufacturer. Print and dispense functions are controlled through individual membrane keypads, located on the front of the cabinet, with system status visible on integral LED displays. The control system incorporates 1 Mb of dynamic RAM memory as standard, with an RS 232 serial interface also included. This enables print data to be generated and controlled from a linked PC, mini or mainframe computer system if required. An optional RS 485 interface is also available.



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The traders secret art of setting stop losses guaranteed to boost profits

When traders first begin considering their stop losses, keep in mind this comment from Tom Baldwin, a leading day-trader. He said, “The best traders have no ego.” Successful traders are faced with losses constantly, and they swallow their pride and get out of the position when they have to. This allows traders to survive in the market long enough to be successful. Traders set their stop losses, and then stick to the plan. How do traders go about setting stop losses? There are several different ways. Traders could base a stop loss on a percentage retracement, where the allowed share prices retrace a certain percentage of the entry price before the exit. Different indicators can be used to identify where the stop loss is going to be set. Traders could also use support and resistance stops to set the level at which exit is made. The key is to simply have a stop loss in place. Personally, I find these options too subjective. I prefer having a mechanical way to calculate my stop losses, so I use a volatility based stop. The reason I use this type of stop is because volatility generally represents a measurement of how quickly the stock either rises or falls (market noise). Consequently, if I measure the stocks volatility, and take a multiple of that value, I’m probably going to have set my stop loss beyond the immediate noise of the market. This ensures I am not stopped out of a position too often. Traders can measure volatility by using the Average True Range (ATR) of a stock. This value can be found with most charting packages. Basically, the Average True Range (ATR) indicates how much a stock will move on average over a certain period. For example, if traders had a one dollar stock that moved up five cents on average over the last 20 days, that doesn’t tell traders whether the stock is moving up or down. It just tells traders on average how much the particular stock moves. The average true range is a great tool and that can be utilized in the traders trading plan for more than setting stops. If traders are not familiar with setting stops, I recommend traders to do research. One place for excellent article sources is at the System Trading Blog . Traders use indicators in calculating the stop loss by subtracting a multiple of the Average True Range (ATR) from the entry price. For instance, I could take two times the ATR and subtract it from my entry price. If we look at the example, I just touched on, with a one dollar stock, an ATR value of five cents and a multiple of two the amount is ten cents. Which, subtracted from our entry price of one dollar gives a stop loss value of 90 cents. Before traders even enter a position, they should know where the selling point of the stock should be. If the share price doesn’t move in the traders favoured direction, but moves against them, traders will know when to sell. Emotions are removed from the equation, and they simply follow what the stop loss dictates. This is how most successful traders limit their losses. They know when they’re going to sell before they begin trading. Although their methods of calculating this stop loss may vary, all traders have a stop loss in place. The stop loss is a crucial part of the traders trading system. Without it, even the best designed trading system can’t deliver profits.



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Pricing your home for best exposure and results

A fair market price can mean more money for you in the least amount of time. Proper pricing leads to: • More potential buyers • More agent interest • Fewer showings • Higher offers • A faster sale • More profit for you The most important thing you can do to sell your home for the most money in the least amount of time is to price the home correctly. Far too often, people think “I’ll just put it for sale at this amount, and if it doesn’t sell I can always reduce my price”. The problem with this type of thinking is that nobody will even come and look at an overpriced home. Every realtor wakes up in the morning and immediately checks all the new listings in their market. They know when a home is overpriced and would never bring a client in to see that home. They are looking out for the best interests of their client. When a listing is new this is the time to create some “buzz”. If it is priced properly you should get at least 7-10 showings in the 1st 2 weeks. If it is not, you will be lucky to get 1 or 2 showings, and maybe no showings. Now the home sits and sits on the market racking up the dreaded “Market Time’. After 120-150 days you finally decide to reduce your price. At this point even if you reduce it enough to bring it into fair market value, realtors will begin to wonder if you are now desperate, you will start to get unreasonably low offers that you would never consider. Another 60-90 days go by, you drop the price again, more bad offers come in. But by now you are actually considering some of these offers. Since that is all that you have seen and you have to sell, prices that were never a consideration 6 months ago are now prices you actually have to consider. You finally accept one of these offers and sell below market value. All this could have been avoided by properly pricing your home in the first place. Today’s consumers are very knowledgable, they research the areas they want to live in, research market values before they even begin looking. The odds of selling your home at an inflated price are almost non-existent. Properly pricing your home makes all the difference in a smooth enjoyable selling process or a long, frustrating ordeal.



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The top 10 priorities that guard your five star reputation

Making money doesn’t make your reputation... your reputation makes you money. Gala Gorman Whether your business is product or service-oriented, the loyalty and dedication of your customers is greatly dependent on your reputation. Your most effective sales force is your existing customer base. Word-of-mouth or the personal recommendation, serves to create an expectation that you must only live up to - rather than one that you must create from scratch. The assets of your business have traditionally included property, plant, equipment, and your customer base. Progressive organizations understand that the concept of business assets should be expanded to include their good reputation. By being responsive to change, having the ability to conduct a constructive dialogue with stakeholders, and taking advantage of networked resources, the organization further extends their tangible and in-tangible non-traditional assets. Companies are increasingly adopting socially responsible business practices based on sustainable development to ensure efficiency, stimulate innovation, and create top-line growth. This new approach to business requires leadership to re-think priorities with a focus on a longer-term agenda. The socially responsible leader understands that decisions made by management must focus not only on profit-making but also on reputation - building. Fortunately the latter feeds the former. These are the Top 10 priorities that will ensure a sustainable future for your business or organization. After thoughtful consideration, priorities must be established (re-established) and communicated to stakeholders. With every area of the organization working in alignment with the vision, mission and values, goals and objectives are more easily reached. To begin the discovery process, use this list to honestly evaluate your organization’s priorities. Define and demonstrate your values. What products or services do you provide and how do they serve to demonstrate your values? You must first define your values and create your mission with a clear understanding of the values you wish to demonstrate. If your products and services can’t be reconciled with your values, trust is eroded. How will your products or services impact stakeholders? Your stakeholders include stockholders, but the group also extends to staff, associates, vendors and the community that is directly or indirectly impacted by what you produce. Stakeholders become a far-extending community of concerned parties. What filter is in place for decision-making? Your filter is created from having a clear understanding of your values and mission. Decisions are run through this filter before being communicated or implemented. Create a recognizable image. What is your desired image? Once you have defined your values and mission, you have an easier job of creating your image. You know how you want to be perceived and recognized and, consequently, you can take action that will create the desired result. Are your logo and promotional materials consistent and memorable? Your logo is a powerful trigger that creates recognition for your organization. Careful thought and consideration should be given to your logo and how it communicates the message desired. Does your marketing support and extend the desired image? Your marketing plan and program should serve to create and extend your brand recognition. All activities, whether they are marketing related or otherwise, should serve to create and support your brand environment. Know your market and customer. Who is your perfectly-aligned customer? You should be able to readily communicate the profile of your perfect customer. By creating this profile, you set the universal law of attraction into motion so that you can focus your energy on customers whose values and beliefs are in alignment with the organization’s. What does your perfectly-aligned customer expect from your services? If you are focused on serving a customer that is perfectly-aligned with your values, by understanding how they expect to benefit from your services you create a powerful business model. You walk a mile in the customer’s shoes. How might you extend your services to exceed expectations? Once you understand customer expectations, you can begin to discover ways to exceed them. It is important to maintain focus and know what you can realistically do without diluting your energy. Strive for perfection. Is perfection expected? Perfection isn’t conditional. It must be the primary goal regardless of circumstances. Every level of the organization should understand what it means to perfect its product or service. How are mistakes or errors turned into learning opportunities? Mistakes and errors can be transformed into tremendous opportunities if they are given appropriate consideration. The root cause can be mined for its eye-opening insight into breakdowns in an organization’s systems and infrastructure. Who decides if it’s perfect enough? There must be one clear standard that is demonstrated at every level of an organization. This standard applies regardless of time pressures or circumstances. Treat your stakeholders like family. Do you understand who your stakeholders are? Stakeholders is a fairly new term that extends far beyond an organization’s stockholders or owners. Even the organization’s customers are stakeholders - they have a vested interest in the organization’s continued existence and success. Is community encouraged? For example, staff spends more of their waking hours with fellow workers than they do with their own family. By encouraging community through fostering relationships between stakeholders, the organization creates loyalty, dedication, and commitment. Are wealth creation and benefits shared fairly? Careful consideration should be given to the distribution of wealth amongst those that are most instrumental in creating it - intrinsically and consequentially. All members of an organization’s family can expect to benefit from the success created by sharing and progressing the agenda. Contribute to your local community. Is your local community defined and understood? For some, local may be limited to a 10-mile radius. For others, local will encompass the globe. In order to contribute effectively to your local community, you must understand its make-up. Is community participation encouraged and rewarded? The organization should create a win/win relationship with its community. The community provides it with its means for creating success and it gives back to the community appropriately by allocating and sharing its resources. Do you understand how your local community extends globally? While many organizations may limit their focus to a community that is in their neighborhood, all organizations impact the global community in some way, shape, or form. It is instrumental in progressing the social responsibility agenda to initiate the dialog and take global considerations into account. Make decisions considering intrinsic and consequential costs/benefits. How are costs determined in decision-making? In the evaluation of any project or initiative, there are clearly identifiable associated costs. There are also consequential costs that can easily be overlooked if the decision-making process isn’t designed to incorporate a full-spectrum of cost considerations. Are decisions made with a long-term focused perspective? Short-term motivations are generally limited to a strictly profit-oriented agenda. In order to effectively incorporate progressive and socially responsible initiatives, longer-term results must be considered and prioritized. Does the organization tell the truth? There are lies and..there are lies. The truth should provide the recipient with the information needed to make an informed decision. If a decision is made based on inaccurate or incomplete information, it is based on lack of the truth. Manage the organization with integrity. Are financial records maintained to ensure accurate and meaningful reporting? Accurate financial reporting is critical to effective decision-making. Financial policies should be employed to create records that provide the most genuine and meaningful results of operations. Does management emphasize being socially progressive? Most organizations delay the implementation of a socially responsible agenda until the pain associated with the delay is intolerable. By taking a pro-active approach, social responsibility becomes the competitive edge. Do the company’s products and services promote quality of life? If the organization’s success is dependent on the degradation of society’s health and welfare, integrity will be beyond the organization’s reach. Products and services should be designed to contribute to human welfare. Encourage innovation and continuous improvement. How does the company capitalize on technological advancement? Technology is a powerful tool that can bring an organization’s stakeholders into closer proximity. In order to foster community, technology can be a great ally. Are employees encouraged to increase competencies? Continuous improvement requires a commitment to education and personal/professional development. The organization’s compensation program should reward those that increase their skills that can be developed and applied to meet customer’s needs. Are resources allocated to research and development? It is tempting to focus on today. In the competitive environment we operate in, a today-oriented focus is critically shortsighted. Innovation and improvement must be supported with a commitment of resources. 10. Tread lightly on the planet. Is the workplace environmentally friendly? As was pointed out above, we spend more time in the workplace than we do in our home-place. The environment should be thoughtfully created to promote creativity, health, and productivity - with an emphasis on the environmental implications. Have products and packaging been developed considering life cycle? The organization should have a clear understanding of where their products or services will end up 10 (or 100) years from now. When life cycle is taken into consideration, a product’s cost incorporates an entirely new perspective. Does the organization understand its environmental impact? There is a trickle-down effect associated with just about anything we say or do. This trickle-down effect could also be referred to as a trickle-out effect. The environment is effected in seen and un-seen ways. Your reputation is one of the most valuable assets of your business. By incorporating a new set of values and priorities into what has proven to be a successful formula on many levels, I believe that business will be the platform for a new agenda - the Social Responsibility Agenda. That agenda will solidify your reputation as an organization that is worthy of its stakeholders’ dedication and loyalty. Regardless of the size of your business, you make a contribution to the global marketplace that impacts humanity with a rippling effect. As an organization’s leader, you choose whether that ripple will be felt positively or negatively. Even a small movement or change in a socially responsible direction can have a dramatic effect. Every day produces a new opportunity to mold the way your organization is perceived and to enhance your reputation! ===================================================== The Top 10 Priorities That Guard Your Five-Star Reputation have been developed from the Social Responsibility Assessment TM (SRA TM) which is at the center of Wholistic Business’ executive development and consulting programs designed for small to medium-sized businesses. Your FREE Report - 40 Questions for Socially Responsible Leaders - is available at http:// WholisticBusiness. com. At Wholistic Business, we believe that business literally makes the world go around. It will be business owners and managers that will ultimately change the world for the better. Wholistic Business (http:// WholisticBusiness. com), a division of MetaComm International, LLC, is committed to assisting small to medium-sized organizations in developing socially responsible business practices with a keen eye on productivity and profitability. Gala Gorman, MetaComm’s CEO, holds a Master’s Degree in Human Development, is a certified public accountant, certified financial planner, published author, executive development coach and business consultant with over 25 years of experience. The Social Responsibility Assessment TM (SRA TM) is a great way to establish a baseline for your organization ensuring that future decisions and practices move you in your intended direction. The SRATM includes a closing report, prepared after a thorough review of the organization’s policies and practices, which discusses practices currently in place within your organization and suggestions for improvements or recommendations for new implementations. Call today for your FREE initial consultation to discuss how your organization will benefit from a Social Responsibility Assessment TM conducted by Wholistic Business and from implementing socially responsible initiatives. ===================================================== For more information, contact Gala Gorman between 9:00 a. m. and 5:00 p. m. Pacific Time at: METACOMM MEDIA A division of MetaComm International, LLC (888) 886-4111 or (702) 286-4111 Post Office Box 1016 Boulder, CO 80306 E-mail: gala@metacommintl. com Web site: http:// WholisticBusiness. com



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How to deal with gambling addiction

They say the first step to beating an addiction is to admit that you have a problem. Dealing with someone who has a gambling addiction can be painful. They have a tendency to withdraw from family and loved ones, so what are you supposed to do when someone you care about has developed a gambling addiction. There are several things you will need to do and some of them are very hard to do. The first thing you have to do is to hide all your valuables, and if this person lives with you, then you need to keep them behind locked doors and if that is not possible then take them to a bank and lock them in a safety deposit box. If this person is you child or your spouse then you need to limit there access to your money. In many circumstances people have spent their family's savings and kid's college funds. So if at all possible try to get that persons name of the accounts if it is not already too late, and cancel all their credit cards. At some point you will have to confront them. When you do confront them it is important to not yell and do not get angry just tell them how what they are doing affects you. Make sure that all the persons close friends are there to help with this. It is important that everyone take turns and tell the person how his gambling has affected their relationships, but in a non angry, caring manner. This will help the person realize that the people that care about him see something that maybe he does not and hopefully will take an honest look at his gambling. Remember the goal of confronting someone is not to make them stop gambling, it is to help them recognize they have a gambling problem and to encourage them to seek professional help. Some people recommend that you try to get your friend to go to a gamblers anonymous meeting, but I do not recommend this. Gamblers Anonymous is a great organization that truly helps those with gambling problems stay away from gambling, but before you are ready for this most people need one on one sessions with a psychologist or a counselor trained to deal with gambling addiction. After all is said and done, you must be prepared because most of the time the gambler continues to gamble, maybe they will make a brief attempt to stop before starting again in secret. With most addictions the person with the problem needs to hit what they call a "bottom". This is when the gambler has lost everything that really meant anything to them, such as family and friends, and it is only at this point many will see the problem and seek help. If you know someone who is unwilling to admit their gambling problem I recommend that after you have tried your best to get this person to seek help if they do not, you may have to be prepared to leave them, remember at some point you have to abandon a sinking ship before you go down as well. To find more information on gambling addiction search gamblers Anonymous and Codependence websites.



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Buy cell phones best mobile phone

Discover The Best Way To Buy Cell Phones. Here Are Tips On Where To Look For The Best Mobile Phone For You. You might think it’s easy to shop for the best mobile phone out there. Before waltzing into any cell phone shop at random, there are a few things you might want to know when you buy cell phones. Right from the start, you need to know that there are so many mobile phones out there. Some of them will be feature-rich, others stylish, and sometimes these cell phones are just plain ol’ practical. What you should look out for is a cell phone that has a good blend of design, features and performance. If you’re shopping or buying a cell phone from the store, don’t just take the sales person’s word that the ones they are selling is the best mobile phone. Have a look at the models on display and check them out for features and functions that might be important to you. If they have a working model for you to test, that’s even better. In reality, the best way to buy cell phones is to go online and do some research to see what you like. On the Internet, you’ll get nice choices of the latest cell phones as well as some previous models. When it comes to choices, the best option is to head to a cell phone site. There you can really run through some of the best mobile phones in the market before deciding what you want to buy. I’d really recommend going online to browse for the best mobile phones not just because its selection, but also because you can get some great deals when shopping online. Whether it’s a new cell phone or something used, you’ll be able to buy some really good stuff at cheap prices if you take the time to scout around. So if you’re serious about getting a mobile phone, get online because there’s no better place to buy cell phones.



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What is lsass

lsass. exe is part of the security system that comes along with Microsoft Windows. The task of lsass. exe is to verify the validity of users when they log onto the PC. By ending the lsass process you may encounter some difficulties when using Windows. However lsass. exe may sometimes be a trojan horse or downloader disguised to look like an innocent process. The lsass. exe file is located in the System32 folder, or C:WindowsSystem32. If it is located anywhere else on the hard drive or computer, it is not a legitimate program and should immediately be deleted or quaratined. You should never delete or tamper with the file if it is located in the system32 directory. The only way to determine whether the lsass. exe running is legitimate is to run a full scan of the computer.



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Bad debt credit card what is that

Bad debt credit card ‘Bad debt credit card’- what’s that? Bad debt credit card is basically a credit card that the credit card suppliers offer to the people who have bad debt. Did that astonish you? Well, don’t let your thoughts run just yet. You can classify bad debt credit cards into 2 categories based on what you understand by bad debt credit card. The first category of bad debt credit cards is those credit cards that are secured (and are also known as secured credit cards). These bad debt credit cards require a security i. e. you have to open (and maintain) a bank account with the bad debt credit card supplier. The credit limit on your bad debt credit card is calculated as a percentage of the balance you hold in the bank account you have opened with bad debt credit card supplier. Generally, this is 50-100% of your bank account balance. So, this bad debt credit card enables you to spend the amount you hold in your bank account; only the way you spend it changes (i. e. instead of spending that as cash you spend it using your bad debt credit card). So bad debt credit card lets you enjoy the convenience and other benefits that are associated with credit cards, even with a bad debt. This security is as such important for the bad debt credit card supplier; after all how can you trust someone who has a bad credit rating. The other category of bad debt credit cards are nothing unusual, they are the same cards that we know of most commonly; the only difference is in the way you get them and the objective behind getting them. Here, we are talking about the credit cards that you use as a debt consolidation mechanism i. e. consolidating bad debt (as such any debt is bad). So we can call them bad debt credit cards too. These operate by transferring of the balance you owe on your current, high interest credit cards to these bad debt credit cards that have a lower APR (at least for some initial period). Hence, these bad debt credit cards help you in consolidating your debt and getting some relief from the higher APR that you were experiencing on your current card. Some people accept both of the above categories of credit cards as bad debt credit cards while others tend to go with one or the other. So, what you regard as a bad debt credit card is really a matter of personal choice.



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Debt consolidation types of help available for unsecured debt consolidation

There are several types of help available for unsecured debt consolidation. You can choose to take out a debt consolidation loan to lower your rates and payments. You may also choose to use a debt consolidation programs, letting a third party deal with your creditors. And finally, you can turn to a credit counselor to help you find the best plan for your situation. Debt Consolidation Loans A debt consolidation loan is any type of loan you take out for the purpose of paying off other creditors. Ideally you want to find a loan with lower interest than what you are currently paying on your bills. However, even if you don’t lower your rates, you can lower your monthly payments by choosing a long term loan. The drawback of course is paying more in interest charges. You can choose from a secured loan, usually backed by your home, or unsecured loan. Secured loans, including a home equity loan, second mortgage, and line of credit, will have lower rates and the tax advantage of writing off your interest payments. However, if you don’t have a home, you can still find relatively low rates with a personal loan. Debt Consolidation Programs You can also work with a debt consolidation program to lower your rates and consolidate your bills. This third party agency will negotiate lower rates with your creditors for a small fee. You also only make one monthly payment, letting the agency pay your bills from that sum. Some non-profit agencies also specialize in helping those with six or more months of late payments. Before you sign up with these types of programs, be sure you have researched several agencies. Compare pay back dates, fees, and estimated monthly payments. Credit Counseling If you are confused about your options or just don’t have a plan for getting out of debt, consider visiting a credit counselor. As a non-biased person, they can explain your financial options. They can also discuss with you’re the pros and cons of each options, helping you find the best program for your unique situation. Besides helping you to consolidate your bills, they can also help you develop a monthly budget and long term financial goals.



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Laser hair removal target areas

Nowadays most females prefer laser hair removal for permanent destruction of hairs in unwanted areas. Previously, women preferred to go for regular shaving or waxing of unwanted hair growth areas. The area where the laser hair removal is performed solely depends on the individual’s interest. If you hate waxing or regular shaving of hairs in unwanted areas, it is highly advisable to go for laser hair removal. Laser hair removal is being advocated in all the areas of unwanted hair growth except areas close to the eyes. The common areas susceptible for laser hair removal are upper lip, neck, face, periareolar region (around the nipples of the breast), legs, bikini line, armpits and back. Laser hair removal operation can last anywhere from a few minutes to a few hours depending on the size of the areas being taken care of. Laser hair removal is considered to be a proven non-invasive cosmetic surgery, which is not only opted by women of different parts of this world but also by men. This procedure is a popular solution for excessive hair on legs, chest and back. Many athletes prefer to go for this technique since it improves their athletic performance. Men who are concentrating in body building will definitely prefer this method of laser hair removal over shaving. In addition to this, men who prefer to go for permanent tattoo on their back or chest or any place always adore laser hair removal.



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Mp3 audio file format a new format for storing sounds

MP3 is the latest and the most popular audio format that is used now. This acronym stands for MPEG Layer 3. It is a compressed audio format with a compression ratio of up to 12: 1. The sound quality of the audio in this format is very high. A normal audio file, which is 1200 KB in size, can be stored in just 100 KB if it is using the MP3 format. The size of the audio files is very small when compared to other formats of audio files. This makes it easily portable. Where to get MP3 audio files? MP3 audio files are widely available in CDs now. Almost any album that is released in the world is also sold in the MP3 audio format. These albums in the MP3 formats are also available in some websites that are dedicated for MP3 downloads. You can also purchase these MP3 CDs at any audio store meant for that purpose. MP3 downloads Free MP3 downloads are also available in some of the websites. You need to become a member of these sites for a fee to download unlimited number of songs in the MP3 format. Some of the sites charge you for each song that is downloaded. Free MP3 downloads for testing the quality of the audio is usually provided by most of these websites. Websites like napster. com allow free MP3 downloads if you have MP3 players from select manufacturers. You can download directly to the player by using the software provided by the website. How to play a MP3 audio file? To play a MP3 audio you need separate players whether it is software or a physical player that can be carried. MP3 software players are used in your PC to play MP3 audio. Physical players from many branded manufacturers are available in the market to play these MP3 audio files. MP3 Ringtones With the advent of the mobile phones, it has become a fashion to make your mobile call you with your favorite songs as Ringtones. Youngsters particularly teenagers are more interested in using Ringtones of the songs they like. This has picked up in such a manner that MP3 Ringtones are now being sold in websites. Many websites sell Ringtones in the MP3 format. The mobile you are using should be capable of playing the Ringtones in the MP3 format to use these MP3 Ringtones. These websites provide you with an interface to select the model of the mobile phone you have and then download MP3 Ringtones that suit your mobile phone model.



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What do you mean low intensity training isn t the best for fat burning

But how can this possibly be? Everywhere you look, it’s always said that long-duration, low-intensity training is best for fat loss. All high-intensity work does is burn carbohydrates, right? Wrong. After reading this article, I guarantee you’ll develop a new respect for high-intensity cardio training for fat loss. Low-intensity exercise is defined as working at a heart rate of about 60% to 65% of your maximum heart rate (which is equal to 220 - your age = maximum heart rate, thus if you are 20 years old, 220 - 20 = 200 max HR). High-intensity exercise is defined as working at about 75 to 85% or more of your maximum heart rate. Using the previous example for maximum heart rate (max HR=200), working at 60% of your max HR would be 120 beats per minute and 80% of that would be 160 beats per minute. There are several reasons low-intensity exercise is normally recommended for fat loss. It’s easy - In many cases people who are trying to lose fat don’t always feel energetic enough to do hard training due to the caloric deficit (a. k.a. diet) that they are on. In these cases, just sticking to an exercise program can be hard enough, never mind making the exercise itself challenging. It’s low risk - A personal trainer generally can’t go wrong by recommending low-intensity exercise to clients.

Even the most out of shape person can usually do low-intensity cardio training safely. While this is certainly appropriate advice for novice trainers, it does not necessarily apply to the more experienced trainer when it comes to effective training. It burns a higher percentage of calories from fat - this is very true: exercising at a lower intensity does burn a higher percentage of calories from fat than high-intensity exercise. But, as I will explain, this does not necessarily mean you’re going to burn more fat. Let’s crunch some numbers to show you exactly what I mean when I say high-intensity exercise burns more fat. Low-intensity training burns about 50% fat for energy while high-intensity training burns about 40% fat for energy. This is not a huge difference. Say, for example, walking for 20 minutes burns 100 calories. Then 50% of 100 calories is 50 fat-calories burned. Now say 10 minutes of interval training at a high intensity burns 160 calories. Well, 40% of 160 calories is 64 fat-calories burned. By doing the high-intensity work, you’ve just burned 14 more fat calories in half the time. Starting to sound good? There’s more... --- Low-intensity exercise only burns calories while you are actually exercising. That means the moment you stop exercising, your caloric expenditure goes back down to nearly baseline levels. Within minutes, you’re not burning many more calories than if you hadn’t done anything at all. High-intensity exercise, on the other hand, continues to boost your metabolism long after you’re done (often up to 24 hours after, depending on the length and intensity of the training session). This means you’re continuing to burn many more calories all day long! --- Low-intensity exercise does nothing to build or support muscle mass. Maintaining muscle mass is critical to an effective fat-loss strategy as muscle burns fat just sitting there. Want to keep your metabolism working to burn fat? Do whatever you can to build or keep your muscle tissue. High-intensity exercise has the potential to increase muscle mass. Compare the body of a top sprinter to a top marathon runner. The sprinter carries far more muscle mass. You won’t get big bulky muscles from high intensity training but you will get shapely and more defined muscles! --- How To Do It Now that you’ve seen how effective high intensity training can be for fat loss, how is it done? The absolute easiest way to start this type of training is to get on a cardio machine at the gym and select the interval training program. As you’ll see, you’ll start off with a fairly light warm-up cycle, then quickly jump up to a high intensity level for a short burst. You will then drop back down to a low level for a period of time, then back up to a high level again, repeated several times and finishing with an appropriate cool-down period. The repetition of these intervals is the nuts and bolts of high intensity interval training. You can also do it manually by adjusting your intensity level up and down over short periods of time. For example, do 30 seconds at high power then 30 seconds at low power. Repeat. It’s very simple and very effective. Another excellent method for doing high-intensity training is called aerobic interval training. It is essentially the same concept as the previously explained interval training but the work intervals are longer with the intensity level somewhat lower. A good example would be running at a pace that you can only keep up for about 5 minutes then walking for 2 minutes then running 5 more minutes, walking 2 minutes, etc. High-intensity training can be applied to any form of cardiovascular exercise. Anything from walking/sprinting to swimming to bike riding will work perfectly. I would recommend doing his type of training 2 to 3 times per week for best results. As always, be sure to consult with your physician before starting any exercise program. --- Remember, what you get out of exercise is directly proportional to what you put in. Work at high-intensity training for awhile and see just how much better your fat-loss efforts go. For more information on cardiovascular training, including advice on activities you can do, reviews of different types of cardio machines, other forms of cardio training, and some well-explained, useful, basic physiology go to: http:// fitstep. com/Library/Info/Info. htm? news



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Weight loss tips for a swimsuit body

Spring is here and swimsuit weather is just around the corner. If you’re like many of us, you start panicking about all the weight you need to lose to fit into your favorite swimwear. Some need to lose 5 to 10 pounds of extra fat while others require 20 to 30 pounds, or more. Most of us know that to stay trim all year round would require an improvement in lifestyle. Easier said than done. “Yes but what do I do now?” you ask. Do you diet, exercise or both? Keep in mind that although weight loss through various diet methods may improve your appearance, it may not have a positive effect on your health.

According to studies, repeated periods of weight loss followed by weight gain can be harmful to health. (1) This is why it is very important to maintain a stable weight with proper eating and exercise habits year round. “Yes but I want to lose this weight now”, you say. Well, first of all you need to realize how you gained that extra weight. Unless you have a medical condition, you probably put it on by eating too much, not exercising enough or a combination of both. The bottom line is that you have been eating more calories than your body could burn over a period of time. This surplus of calories was stored in your body as fat. What’s the best way to tackle this problem? You could hit the gym for some cardiovascular training, or work out right at home. Exercises that use large muscle groups such as jogging, cycling or aerobics are best for achieving quick weight loss. These high impact exercises, however, are more efficient for rapid weight loss in younger people, for a couple of reasons (there are always some exceptions). Let me explain. These exercises could help melt away pounds in a short time period for someone who is 25 years of age for example. Once you surpass the age of forty, for example, you have to rely more on diet to complement exercise, for quicker weight loss. This is because a person’s metabolism slows down with age. A forty five year old performing the same exercise would actually burn fewer calories than someone 20 years younger. Furthermore, a person over forty (there are exceptions) could not train at a high intensity level for long durations as could a twenty five year old. It doesn’t mean, however, that older people shouldn’t use high intensity exercise methods. If your doctor gives you the green light, then by all means go for it. Older individuals need to rely more on calorie restriction than younger individuals. That’s not to say that younger people need only to rely on exercise for weight loss. Exercise for them ranks higher on the weight loss efficiency scale. They could often get away without reducing their caloric intake during periods of exercise and still lose weight quite easily. The older generation, however, must rely on a combination of adequate exercise participation and proper diet. Unless you are extremely over weight you should eat ten times your weight in calories to maintain a particular weight. In other words to maintain a body weight of 140 pounds you would have to eat 1400 calories daily. So, where do you start? Let’s begin with diet. The first thing you have to do is to cut back on your daily food intake. Then you need to replace the bad foods with the good. Use good carbohydrates at the expense of the bad. Good carbohydrates (carbs) are high in fiber and low in calorie contents. These include fruits, vegetables and whole grain products. Bad carbs are processed carbohydrates with most of the essential fiber stripped away and often replaced with fat. These include white bread, products made with white flour, processed fruits and vegetables and products containing sugar such as cakes, candy bars, etc. These foods along with fried foods are high in calorie and fat content and should be avoided or extremely reduced. Although good carbs are wiser food choices they should still be used in moderation, because calories still do count. Is a high protein, high fat type diet effective for fast weight loss? The Atkins diet, although very controversial has maintained popularity. This and other similar diets, like the Zone and South Beach diets can cause initial weight loss – especially in very obese people. This weight loss is really water loss. The same is also true of every calorie restricted diet - regardless if it’s high in fat, low in fat, high in carbohydrates or whatever. The point is that they are based on low calorie content. Remember that this is all about input and output. If you eat more calories than your body can burn you will gain weight. If you eat less calories than your body burns you will lose weight. It’s as simple as that. Your body turns all surplus calories into fat. That includes extra calories from fat, protein and carbohydrates. The key is to ensure that your daily caloric intake doesn’t exceed the amount required to maintain a desirable body weight. At the same time, it is important that your diet includes a balance of all food groups including fat, carbohydrate and protein. Intakes of saturated and trans fats and bad carbohydrates should be avoided or reduced. Although unsaturated and non-hydrogenated fats are healthier choices, they should be used in moderation, because they are still fats and loaded with calories. It’s important to keep in mind that while striving to attain weight loss, good health should not be compromised. Snack foods that induce further eating such as potato chips, salted nuts and chocolate should be avoided. One diet method that is very effective is to cut your meals in half and add 2 extra meals (equivalent to half the quantity of your normal meal). Let me explain. Let’s say you normally take 3 meals a day each consisting of 1000 calories. You would cut those meals to half the content – which would now consist of 500 calories – and add 2 more meals also containing 500 calories each. Let’s compare. Originally your 3 meals, each containing 1000 calories, would total 3000 calories a day. If you change that to 5 meals a day at 500 calories each, that would total 2500 calories. So in this example you would be saving 500 calories a day. This is a very easy and effective method to start implementing right away because you don’t really have to do any calculations. Just visualize what your normal meal would consist of and cut it in half. Then add 2 more similar meals. It’s that simple. Increasing the daily number of meals also helps to make this transition easier. You would be eating less per meal but you wouldn’t have to wait as long for the next one. Furthermore, studies have shown that more frequent smaller meals increase the body’s metabolism. (2) And we all know how important an increase in metabolism is for weight loss. An efficient weight loss system must include an adequate amount of physical activity – more so for people over 35. It seems that I’m picking on the older generations here. The reason why I keep bringing up the subject is because I’m talking from personal experience. I’m 37 years old and I know exactly how much more difficult it is to shed weight today as opposed to ten or fifteen years ago. In my twenties, whenever I noticed extra weight creeping in, I would start jogging 5-6 times a week for 30-45 minutes and within a few short weeks (sometimes 2 weeks) the extra weight was gone. It was that easy - and without any adjustment to food intake. Today I would need a combination of exercise and proper dieting to reach that goal. And it would still take a longer period of time. How much should you be exercising? Well it depends how much weight you want to lose. By the way, besides weight loss, exercise participation results in many other health benefits. It improves flexibility, strengthens the musculoskeletal system, improves blood circulation and heart condition, just to name a few. To start getting results in weight loss you should be exercising 5-6 days per week for 30-60 minutes at a comfortably vigorous intensity level. Once you lose the desired weight you can then tone it down to maintain the weight loss. For weight loss maintenance you can reduce it to 3-4 days a week, 30-45 minutes at the same level of intensity. Be sure, however, to get clearance from your doctor first. Eat healthy, exercise, live a healthy lifestyle and have a great summer. References: 1. http:// newstarget. com, “Yo-Yo dieting weakens immune system”, retrieved 22 April 2005 from 2. University of Massachusetts Medical School, “People who eat smaller meals more often during the day are less likely to be obese”, retrieved 15 April 2005 from



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Steroid abuse is earning infamy for steroids

Steroid abuse is the problem that is deep-entrenched in the society. There are volumes of people using steroid wrongly for wrong purposes, which is steroid abuse. Steroid abuse has contributed a great deal making steroids one of the most controversial drugs of recent times. There is a wide rage of anabolic steroids available in the forms of pills, injection, creams, and gels. Steroid abuse widely goes on in several strata of society. Often steroids are taken as dietary supplements without prescriptions. These dietary supplements are freely available at health food stores, over the internet, and through mail orders.

Steroids are often used by bodybuilders, weightlifters, athletes, and other sports persons to increase their performance levels, strength, and stamina. Oft, steroids are used by young boys, girls, and models for figure maintenance, weight control, beauty care, cosmetic reasons. On the whole, steroids are widely used without prescriptions, by school-age children, business professionals, school-college-university level athletes & sports persons, etc. Steroid abuse has earned lots of infamy for steroids. Steroid abuse has actually dwarfed the right and positive usage of steroids. Dr. John Baxter, the former president of the Endocrine Society & the professor of medicine at the University of California at San Francisco, says, The concern I have is that hysteria over steroids use (steroid abuse) will cause people to lose sight of the potential good side of these hormones. It's really going to scare people away from their legitimate medical use. Dr. Alan Mintz, the founder of the Las Vegas-based Cenegenics Medical Institute, says that steroids are wonderful medicines; they help people live healthy life in later years. There's a tremendous benefit, if these are used in the right way. They are wonderful in treating disorders associated with the low secretion of testosterone in body. They are often used for a number of medical purposes, such as bone growth stimulation, appetency, puberty, and muscle development. They are also used to treat chronic wasting disease, such as AIDS and cancer. However, steroid abuse and over-doses of steroids have serious side effects and dangerous consequences. Some of the common consequences of steroid abuse may include wooziness, early loss of hair, sleeping troubles, nausea, depression, mood changes, joint pain, hallucinations, paranoia, urination problems, yellow fever, stroke, increased risk of heart disease, trembling, high levels of blood pressure, increased chance of injuring muscles and tendons.



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A gift for a graduate

Throughout a person’s life there are certain moments that stand out more than others, engrained in their minds forever. This is a moment of great achievement that is the result of a lot of hard work and determination. For many people, one of these moments is their graduation. The stepping-stone to bigger and better things to come, to new horizons. Sometimes these experiences can be very emotional and exciting. People hear the word "graduate," and they automatically thin high school.

However,, graduates come in all shapes and sizes. Whether the graduate is a university student receiving a degree, a technical or trades student receiving a certificate, a student receiving their black belt or even a student finishing that challenging first year of kindergarten, their success deserves to be acknowledged. Of course we always want to be there to share the experience with our loved ones and friends, however, many times this is simply not possible. How then can you be at two places at the same time? You can't. Not physically anyway. But why not consider the convenient tool of shopping online. Send a loved one or friend a great unique gift to express your love and pride in their achievement. Some great example of unique gifts for graduates could be a beautiful flower bouquet, or a fresh flower arrangement celebrating their accomplishment. If sending flowers does not seem to fit, then why not try sending a more unique gift, a gift basket.

Gift baskets can cater to one of their personal interests. This is very possible to do by using the Internet and online shopping to our advantage. You might want to write down these special days on your calendar to ensure that they are not forgotten. Also allow yourself enough time to find the perfect flower bouquet or flower arrangement.



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The benefits of buying from me

That title sounds a little arrogant, doesn't it? Yet, if you take a moment to look at the second word and nothing else you will find the secret of online moneymaking success. People aren't interested in what you're hawking until they see what it will do for them. Look at pharmaceutical companies’ ads on television. They're selling medication, stuff for sick people; nothing could be more negative and harder to sell. However, the ads don't show sick people; they show happy, beautiful healthy people. People who are sick want to look and feel like the people in the ad. Therefore, the pharmaceutical company doesn't show sick people that need their product. They show healthy people that are healthy because of their product. The prospective buyer sees a direct benefit to buying the medicine.

The company makes a sale. Now how can you use the same principle in your online moneymaking business? How can you sell a direct benefit to your prospective customers instead of just selling a product or service? If you can find the answer to that question, you will be the one watching your online business explode. It's not as hard as you might think.

Put yourself into the mind of your client. How can your product or service make his or her life easier? Once you have that, you have the basis of your marketing plan. It’s been said if you built a better mousetrap people would beat a path to your door. Why? Do people want a mousetrap that badly? Of course not, they just don't want any mice problems. Approach your clients with an answer to their mice problem and your online moneymaking business will be a great success.



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Why air purifiers are all the rage

Air Purifiers Air Purifiers are all the rage now, everybody has them and everybody sells them. There are Ionic Air Purifiers, regular filter Purifiers and HEPA filter purifiers. the Journal of the American Medical Association now suggests that the air pollution existing today in the US raises the risk of lung disease to a point where more than half of the US population is breathing unhealthy amounts of air pollution. More than 50 million Americans seem to be suffering from allergies and more than 20 million battle asthma. There is such a thing as Sick Building Syndrome, a worldwide phenomenon, when chemical substances used in office construction such as glue, insulating materials, cardboard, and fiberglass are steadily released into the atmosphere from electronic equipment, carpeting, furniture and fittings. That is why the air inside buildings or residential structures may be many times more polluted than the air outside, according to the EPA. Because of all these reasons Air Purifiers have become very important. The different types of air purifiers include mechanical purifiers, electronic air purifying systems, hybrid purifiers and gas phase purifiers. Most of these systems remove particles and harmful toxins from the indoor air. The HEPA Filter is a High Efficiency Particulate Arrested Filter designed to remove 99.97% of all airborne pollutants 0.3 microns or larger from the air that passes through the filter ( including tobacco smoke, household dust and pollen). There are also filtering technologies that operate by using ozonation. The most popular air purifier on the market today uses ozone. These purifiers actually produce ozone which is an irritant that can worsen asthma and decrease lung function. The removal of particles from the air is what is measured when the efficiency rate is trying to be achieved. The fraction of particles that is removed from the indoor air being measured is what determines the amount of efficiency an air purifier possesses. Air cleaners using mechanical filters or electronic technology can perform particle removal. Mechanical home air purifiers are units that can draw the indoor air through a metal or fibrous filter that is designed to trap the particles. Because filters have different size pores they are able to catch these particles. is able to catch these particles with its different sized pores. Different types of filters may be pleated , square, round, with different levels of efficiency. Mechanical filters in general are very efficient in eliminating contaminants from the air as long as they are cleaned regularly. There are 3 diferent types of electronic purifiers: Electrostatic purifiers pull air into a chamber and charge the particles electrically. The air is then let through wafers which are negative ion generators, give particles a charge and cause them to stick to the nearest solid object. These purifiers are not as effective as the other electronic or mechanical purifiers because they do not eliminate particles but move them to another location. Ionizers do the same thing but create ozone which in itself may be bad for your health. Ozone is a lung irritant produced by ion generators and some other electronic air cleaners and ozone generators. While indirect ozone production is of concern, there is even greater concern with the direct, and purposeful introduction of a lung irritant into indoor air. There is no difference, despite some marketers' claims, between ozone in smog outdoors and ozone produced by these devices. Repeated exposure to ozone pollution may cause permanent damage to the lungs. Hybrid air cleaners use both mechanical filters and electronic technology in order to clean the air of particles. Ozone emissions may be present from the use of electrostatic air purifiers and negative ion generators. High levels of ozone may be harmful but cleaning the units as specified by the manufacturer may mitigate the possible bad effects of ozone to some extent. Efficient Air Purifiers can cost anywhere from $500 to $1500 for a single room and a System to clean a whole house can easily run into the thousands of dollars.



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Do you what is the percentage of people using adwords profitably

#1 Create a list with all possible keywords that fit to your product, service or whatever you are promoting. The more words you come up with, the more chances you get of finding the niche keyword which brings me to point 2 #2 Niche Keywords. Drill down deep into the word, expand on it. For example, if you are promoting affiliate products related to mothballs. Instead of just mothballs you can use mothballs for sale, mothballs for sale in uk, motballs , discount mothball etc… The possibilities are quite huge. Use a combination of misspellings, adjectives and country locations. #3 Make use of excluding keywords. If you are promoting a particular product – say an ebook on making mothballs and it is sold for $100 dollars. You bided on the keyword “blue mothballs”. People searching for the term free blue mothballs would see your ad thus making it clickable and lowering its CTR. If you add a ‘-free’ it would eliminate unwanted advertising costs. #4 I usually choose NOT to advertise on content opting purely for search as they are more targeted and is of higher quality. BUT if I am targeting a highly competitive area where ads are like $0.80 per click, I would turn on advertising for content while disabling adwords for searching(lowering bid price). I would have total control over costs while having traffic extremely cheap.



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