Online internet shopping

Online Internet Shopping is a great way to cash in on the special offers made by companies and stores offering a whole range of products and services. Discounts range from gift certificates, bargain sales, clearances to free shipping offers to even free product offers. Also available are last minute hotel booking deals and online reservations. People who make their ticket reservations online benefit from a discounted rate as compared to people who book their tickets the traditional way by standing in queues at ticket counters. This is a great way to benefit from discounted rates. One can purchase almost all kinds of products, online or offline. Because of the rising competition in the consumerist market today, companies want to gain a higher market-share and they offer discounts on all sorts of products and services. Discounts, are however, usually seen on products like food items, grocery items, clothing, consumer durables like mobile phones, electrical appliances, digital cameras, MP3 players, DVD players, services like body massaging, gym memberships, club and resort memberships, face toning, weight loss, etc. Some companies offer discounts on bulk purchases.

While discounted shopping may be available in online stores, gift certificates are usually less available on the internet. Besides, these are not seen on the official homepage of the company often. It is usually an online dealer who offers a lot of discounts. Benefits of Online Internet Shopping: By far, one of the biggest benefits of Online Internet Shopping is, of course, the kind of savings you can make on your purchases. Discount Shopping offers you cheap, cut-off prices on even branded products and services that you would otherwise have to spend a great deal more on. It could be that otherwise expensive birthday gift, dream camera, high definition LCD TV, etc. With discount shopping, you get it at discounted prices, and there is no compromise on quality or after sales services. Be sure to avoid scams, though. Get a clear picture of the actual price – compare the discounted rate, inclusive of the shipping price, taxes and duties, etc. against the market price. Read the fine-print very carefully. Another important thing to remember is to make sure that you read and understand the vendor’s return and money-back policies. Be sure to read these terms very carefully. Towards the end, we’d just like to tell you that all it takes is a couple of minutes to search and you could soon be saving a lot of money, and even time, if purchasing online. Do your research and act wisely to obtain the benefits.



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How to choose the perfect hair cut for young girls

Your daughter or the significant little girl in your life, the same one who used to dump strained peas on her head and drop toys in the toilet, is growing up, and, believe it or not, will soon be choosing her own haircuts and picking out her own outfits, not to mention dating, driving, working, and voting. Thanks to easy media access, little girls today are much more fashion conscious than their mothers were, and even if your teen or pre teen is a camo pants wearing, mud playing, bundle of energy, it is just as important for her to have the right hair cut now as it will be in a few years when she becomes even more fashion conscious. Depending on the age of your young girl, you should allow her to help you decide the hair length that is right for her. Long hair on little girls is classic, but if she has thick or very fine hair, this can be difficult to maintain. Also, something that her salon stylist can help you with is determining the best style for her face shape and hair type. For short hair styles the Pageboy or Bob hair cut is best for thick hair, thin hair, younger girls, and active girls. The Pageboy is a basic variation on the bob and is easy to care for. Layers can also be cut into the bob for a look of added texture and depth, and hold products, can be applied to add extra tousled effects and firm hold for special occasions.

The Pageboy or Bob with bangs is the same as above, except with a wisp of a bang, skimming the skin just above the eyebrows, and adding softness to longer, more angular face shapes. For short hair almost any variations on an adult hair style can be applied to young girls hair, but the trick is to make sure that your daughter is able to style it on her own or with minimal help. For older girls maybe nine and under this should not be a problem, but the younger ones will more than likely require a little help. For medium hair styles the graduated layer look is easy to care for and style. It requires minimal care and looks very cute, especially on little girls with thick hair, as the ends can be razored back to reduce bulk and define the layers. A little gel, brushed through the hair in the morning help to keep layers defined, and a spritz pomade will make sure that her hair stays brilliantly beautiful even when she is hanging upside down on the monkey bars.

For long hair styles girls with very fine hair require constant trims to keep it looking sleek, but most girls, including those with very thick hair, look adorable with a long look. The trick is, again, to add layers to the back but not too many, maybe one or two, to reduce the bulk and keep hair looking fresh between trims. Remember that a haircut is very personal and a hairstyle that you may think looks great on your little princess may make her want to hide in the closet. So remember to always listen and try to find the right style together.



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Import export building a profitable home based income for life

Woolen jackets, paper rolls, light up teddy bears, clocks and DVDs – there is tremendous potential to make a very good profit from all of these products and countless others just by knowing the basics of one of the worlds oldest trades. Importing & exporting may not be the first thing that leaps into your mind when you think of home based businesses. However, there are few genuine opportunities that offer better prospects – big profits, subsidised travel and a good work-from-home lifestyle are just a few of the benefits you’ll enjoy once your import/export business is up and running. The set-up and operational costs can also be accommodated on a total shoe string budget. So is importing/exporting from home right for you? Here are a few factors you need to consider before taking your first steps into this lucrative business: Creating Contacts – You will need to contact many different importers and exporters and this can be difficult for some. In the internet age just about every contact you need is already online. There are hundreds of free bulletin boards you can visit to see who wants to buy or sell any number of products, in addition to several specialist websites and trade magazines. A fair level of attention to detail is required – by keeping your customers satisfied and providing them with exactly what they request you will be setting yourself up for a good stream of future business. You will need to create a detailed plan to identify your own desired goals and objectives from your business. We all know the saying “if you fail to plan then you plan to fail” – ask yourself the difficult questions that many shy away from. Here are just a few of these…What do you have going for you to make this a success? Will you start full time or part time? Can you get any help (family/friends) in the beginning? What type of products will you trade? In which countries? What mode of transport will you use to get your goods from A to B? How will you learn about international trade regulations? What method of international payment will you use? What foreign regulations must you be aware of? Again, these are just a sample of the questions you need to ask – get some paper and scribble down everything you could possibly think of. You will need to decide on your form of organisation – will you operate as a sole trader, partnership or limited company? Each form has it’s own distinct advantages and disadvantages. So how do you go about finding products to import and export once all the nuts and bolts are in place? One great way is actually by travelling around – there are literally millions of products out there that have the potential to make you a small (or large) fortune once you import them into your domestic market. To illustrate my point, last year while on a holiday to India I stumbled over some delightful glow-up keyrings that were being sold for 10 rupees each (about 40 cents) – instinct had told me there was enormous profit potential here and upon returning home I found the same key-rings selling for $7.95 in a popular department store. Do you think it would be possible to profit from this situation? Of course it is, and there are countless other opportunities like these simply waiting to be discovered. It is also possible to write off your travel expenses (flights, hotels, dining costs etc) against your profits which gives you a great chance to travel the world at a heavily subsidised rate. You can also find ideas on what to sell by sifting through specialised publications & websites, investigating trade shows and by browsing national trade statistics (eg via the United Nations Yearbook Of International Trade Statistics). But above all, be alert – when you see something interesting, ask yourself “can I import this thing in my home market?” Now a word about marketing – whether you like it or not, the long term success for any product depends to a large degree on the way it is marketed. Get this right and you could make a lot of cash very quickly. Get it wrong and you could struggle. Like most things marketing technique can be acquired and refined but you should come up with a marketing plan in addition to your general plan. Encouragingly from a work-at-home perspective there are any number of marketing methods that will bring you success, some at very low (or no) cost. OK, what we have gone through is just the tip of the iceberg. A profitable work from home import & export business is more possible than most could envisage but as with any worthwhile venture you will require some level of persistence and willingness to learn. If you’re willing to put in the effort the rewards are far greater than you could possible imagine.



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Signage for your business

Outdoor signage compels the consumers to enter your place of business. Utilizing tasteful designs, color, lightening your signage will have a direct affect on human emotions. Human emotion is what compels most of us to react or engage. Applying visual graphics and wording in your outdoor signage will create just that. The livelihood of your business relies on a consistent business image-known as branding. Gaining the competitive edge requires effective branding. Every service or product has a signage associated to it. You may only have one chance to capture that image. Design an Effective Logo It takes careful consideration of the type of business you're in and the services you provide the consumer with to design an effective logo. You don't want to mimic others in your industry, but sometimes NOT reinventing the wheel works. Think about your industry: What image comes to mind? Is it a photo, a group of lines, or a special font? The focus is on being unique. If you choose someone who specializes in signage design, that individual will walk you through a series of questions to help them evaluate an adequate design. The finished product will be the image you present to the world - be sure it's impressive. Visual Basics of Importance The visual display you create for your business is your ultimate sales tool. It isn't necessary for you to spend a large amount of money on expensive visual displays. Expensive doesn't mean it is more effective, just more money. The makings of a good sign are one that captivates and educates the buyer. The right outdoor signage should reinforce your company image. It is this image-embedded in the consumer's mind-that will associate your service with another. Impressive Color Beware - colors have away of choosing a gender. The color and font size used to reflect your business profession must be professional to be effective. Stay away from neon colors or fonts that are unreadable from a distance. How Big Every city and state has it own set of guidelines for outdoor signage. For your outdoor signage to impact the consumer, it doesn't need to be overpowering - just visible. The minimum sign letter height is 4” for the message to be readable at 100 feet. Of course, if you're located on a busy intersection you'll want at least 10” lettering for people to catch within a glimpse. The outdoor signage you select for your business must have an impact on the emotions of your target market. Remember, it is this image people will know you by. This same image will apply to your business cards, letterhead, and marketing material. Stay consistent and always professional and your signage will WOW them.



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Real estate investing motivated buyer

What's the first image that comes to mind when you hear the term -- motivated seller? You probably think of someone who is desperate to sell his property, as quickly as possible, for well below the market price - right? Well, sometimes that's true but often it's not. There are many reasons, other than desperation, that motivate people to put their property on the market. Maybe needed repairs are too costly for the property owner or perhaps the owner is relocating to a different area. Maybe the owner, for various reasons, is trying to avoid the pressure of waiting to the last minute to sell his property so time isn't always a consideration. Whatever the reason a motivated seller puts his property on the market, the opportunity to make a better than average deal is greatly increased and that means more profit for you. It's important to remember however, no matter how motivated a seller is, nobody wants to give away the farm (so to speak). A house represents a great deal of money and there will be limitations on how far a seller is willing to go to sell his property. Enter the motivated buyer! A motivated buyer is, first and foremost, a salesman and his product is himself. A seller needs to know that he's dealing with someone who is knowledgeable, that has a creative solution to his Real Estate problem and, more importantly, that he's dealing with someone that can be trusted (and, of course, you can be trusted). Creating an emotional connection with the seller will get you through the front door far easier than spouting off a flood of meaningless facts and figures. He's really not interested that you know 50 different ways to buy a house. He's interested in you as a reliable Real Estate expert and how you can satisfy HIS needs right now. Makes sense, right? A motivated seller doesn't need to seek out buyers. If a seller is willing to offer his property at a better than market value price, buyers will find him. What he does need to know is that he's dealing with a Real Estate professional -- someone he can trust, someone who understands his position and someone who will make him an attractive and fair offer. Your greatest assets as a motivated buyer are to be able to understand the seller's needs, have viable and yet profitable solutions to his needs and to have the ability to instill the seller's trust in you as a Real Estate expert -- a win, win situation. Happy Real Estate Investing from http:// thelearntocenter. com



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Six tips for a better engineering resume

One of the most key elements of success in a job search is the resume and the engineering resume can often be one of the more difficult documents to develop. The engineering resume is the engineering job seeker’s primary marketing document that sells the product – the skills and experience of the engineer. To be effective, an engineering resume must grab the attention of the reader in 35-45 seconds. A good engineering resume will extend that attention span to over a minute. A successful resume will prompt the reader to contact the job seeker. In effect, the success of the job search revolves around the effectiveness of the first step – the resume. No one knows your background and experience better than you. Most engineers can get the basics of their projects and experience down on paper in a sensible fashion. What most engineers who write their own resumes have difficulty with is making that sell to the reader.

Here are six tips to help you make your engineering resume sell. 1. Select the best organizational format. Most resumes are written in chronological (reverse time order) format, but that does not mean that the chronological choice is best for you. A combination format may be best. The combination format is evenly balanced between skill set description, achievements, and employment history, with the advantage being that projects can be highlighted for greater impact. 2. Assume that your resume will be viewed on a computer screen rather than on a piece of paper. Most resumes are sent, received, and managed via PC. That does not mean that the document has to be drab and ugly, visually. Many engineers who have images or pictures of project work have good success with creating a CD ROM portfolio of these images. 3. Make absolutely sure your document is error free. An error in a resume can often be the killer between two closely matched candidates. Engineers are expected to be detail-oriented so an error in the engineering resume reflects badly on possible future performance. 4. Find a balance between wordiness and lack of detail. Employers need to see details about your work history and engineering experience, but they don’t need to know everything. The fact that you were Den Leader in your Cub Scout troop is irrelevant. Keep information germane to the goal of attaining an interview. 5. Think “accomplishments” rather than “job duties”. What made you stand out from the crowd? How did you come up with a way to do things better, more efficiently, or for less cost? What won honors for you? Information such as this will be what makes you grab attention and put your engineering resume on the top of the stack. 6. Keep it positive. Reason for leaving a job, setbacks, failed initiatives, etc. do not have a place on an engineering resume. Employers are seeking people who can contribute, have a positive attitude, are enthusiastic, and have successfully performed similar job skills in the past. Concentrate on communicating these issues and avoid any detracting information. Remember, resumes do not get jobs – people get jobs. Resumes get interviews. Most first time job interviews are conducted via telephone rather than in person as they used to be. Make sure you are prepared for that telephone call when it arrives. And make sure you have an engineering resume that will make the phone ring!



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Get on the road to financial recovery part i

What You Can Do for Yourself Review your specific obligations that creditors claim you owe to make certain you really owe them. If you dispute a debt, first contact the creditor directly to resolve your questions. If you still have questions about the validity of the debt or the collection practices, contact your state or local consumer protection office or state Attorney General. Contact your creditors to let them know you're having difficulty making your payments. Ideally, this should be done before a payment is late or missed. Tell them why you're having trouble -- perhaps it's because you or a spouse recently lost a job or have unexpected medical bills. Try to work out an acceptable payment schedule with your creditors. Most are willing to work with you and will appreciate your honesty and forthrightness. Many have "hardship programs" which provide for adjustment of payments for a period of time. The Fair Debt Collection Practices Law prohibits a debt collector from showing what you owe to anyone but your attorney, harassing or threatening you, using false statements, giving false information about you to anyone, and misrepresenting the legal status of your debts. Remember that under other federal laws to collect debts, creditors cannot seize most government assistance and can only garnish a portion of wages to collect debts. Budget your expenses. Create a spending plan that allows you to reduce your debts. Itemize your necessary expenses (such as housing and health care) and optional expenses (such as entertainment and vacation travel). Start a savings plan so that funds are available for unforeseen but essential expenditures. Stick to the plan. Try to reduce your expenses. Cut out any unnecessary spending such as eating out and purchasing expensive entertainment. Consider taking public transportation rather than owning a car. Clip coupons, purchase generic products at the supermarket, and avoid impulse purchases. Above all, stop incurring new debt. Consider substituting a debit card for your credit cards. Use your savings and other assets to pay down debts. Withdrawing savings from low-interest accounts to settle high-rate loans usually makes sense. Selling off a second car not only provides cash but also reduces insurance and other maintenance expenses. Look for additional resources from governmental and private sources for which you may be eligible. Government assistance includes unemployment compensation, Aid to Families with Dependent Children (AFDC), food stamps, low-income energy assistance, Medicaid, and Social Security including disability. Other resources may be available from churches and community groups. Often these sources are listed in the Yellow Pages of your phone book.



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Drug testing facilities ve instant home drug tests pros cons of drug testing methods

Drug testing labs provide accurate results for drug tests in a short period of time. Oftentimes, companies require lab drug tests in order to maintain a safe and healthy work environment for their employees. Why Are Drug Testing Labs Used? A drug testing facility is used to detect the use of drugs in the workplace, the home and even in law enforcement. Many times, employers will require a drug testing lab test prior to hiring as a sort of screening. Also, parents may send a sample to a drug test facility in order to discover whether or not their teen is abusing drugs. Drug testing labs are available in many different forms including urine testing, saliva testing, sweat testing and hair testing. After a sample is collected from a donor, the sample is then sent to a drug testing facility and tested for traces of illicit substances. How Accurate Are Drug Test Facilities?

Drug test facilities provide the most accurate of drug testing options on the market today. However, many on site drug testing products are equaling lab test quality, making for a more price conscious and convenient option for businesses and families who wish to utilize drug testing. Pros and Cons of Home and Lab Drug Testing Deciding between using a drug testing lab or a instant drug testing kit can be difficult. Many different factors should be weighed, including the level of required accuracy and reliability, the rate at which results are produced, sample collection and cost. A drug testing facility will typically cost much more than an instant drug testing kit, although its accuracy is often guaranteed. Regardless of the drug testing method used, once a sample is collected, it can be tested immediately with an on site drug test, whereas a drug test facility will require the sample to be sent to the lab—a process which could take up to a week or more. All in all, on site drug testing is more effective for the average consumer to use. Businesses can save large amounts of money when buying home drug test kits through corporate bulk accounts and are still guaranteed a high level of accuracy. Worried parents who fret over their teen’s potential abuse of drugs can use at home drug testing kits to find out whether or not they are using on the spot. Waiting for a drug testing lab to return results can be excruciating, especially when it is your child’s health and wellbeing at stake. While a drug testing facility may be the most accurate and reliable form of drug testing, home drug testing kits provide a reliable alternative that save consumers and businesses money, while protecting families and employees alike from the hazards of drug abuse



Online Drug testing facilities ve instant home drug tests pros cons of drug testing methods

Are diamonds really rare 179

Are Diamonds Really Rare? When you walk into a jewelry store and see all the diamonds in all of the various settings that are for sale, it is difficult to realize that diamonds are indeed rare. Most people don’t even stop to consider how that diamond came to be sitting in that jeweler’s case! There is quite a bit of work that is done before a diamond is ready to sell to the general public! For every one million diamonds that are mined, only one will be found that is a quality one caret diamond. In order to find a two caret diamond, about five million diamonds must be mined. More than two hundred tons of ore must be mined to find one small diamond, and even then, more than 80% of the diamonds that are mined are only good for industrial use, such as diamond drill bits. So, the next time you visit your local jewelry store, ask to see the one carat diamonds. You should look at this diamond with new appreciation – knowing that it truly is one in a million! (word count 179)



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No guarantees with childhood cancer

Raising a healthy and happy family was the most important objective in our lives. We seemed to be succeeding with four daughters between the ages of eight and twelve. Live was good. Then without warning our oldest daughter, Alisa developed some symptoms that, at first, seemed minor. But as the days passed and she didn’t respond to the antibiotics, we knew we were looking at a serious health problem. Little did we know that we would hear the words, “Your daughter has cancer!” From that moment on our lives changed forever. Our daughter had Hodgkin’s Disease. Alisa was sent to Boston to get the best care. It was a daunting task trying to keep the family going. Everyone was feeling the effects of Alisa’s illness.. Once your family starts this journey, there is no turning back. It is a roller coaster ride at it’s worst. Alisa was challenged physically and the other children were challenged emotionally. We tried our best to maintain normalcy. No Guarantees, an ebook tells the story of our experience with childhood cancer. It is my wish that our story will help many other families. I know when Alisa was diagnosed that I searched everywhere to find books or stories about other children. It was almost impossible to find these stories and when I did, usually the child died after a short fight against the disease. Knowledge-Download. com/Childhood-Cancer-No-Guarantees/



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Reasons wind power is a viable energy solution

Fuel costs and global warming are becoming a bigger concern for people in their daily lives. If you are considering going green, wind is an energy platform with a lot of positives. Reasons Wind Power Is a Viable Energy Solution Using the wind to harness energy from our environment is hardly a new concept. Ancient Persians are believed to have been the first group to use windmills to turn grain grinding machines. The Dutch, of course, are also famous for their windmills and so on. In modern days, however, wind energy platforms are much more refined and used primarily for energy production. To get energy from wind, we must focus on a concept known as kinetic energy. Do to micro-climate situations, wind is produced fairly readily in a natural process. The sun heats the ground, but does so at different rates. In areas where the ground is heated faster, the air rises as temperatures go up. Air from cooler surrounding areas then rushes in to fill the gap. We then convert it into usable electricity by catching it with wind turbines. The wind is caught by the blades of a spinner, which turns, cranks a generator and electricity is produced. This process is natural and simple, but produces a monstrous amount of energy. If we could harness all the wind in the world, we would have more than 10 times the amount of energy we need for the entire globe. Of course, harnessing it is the problem. There are a number of reasons why wind power is part of our energy solution. First, it produces no pollution or greenhouse gases. Second, it is renewable and will last for as long as our son – about another four billion years. Third, wind energy is available in practically any country, which means no reliance on foreign sources. Fourth, wind power produces more jobs per watt produced than all other energy platforms, including oil and coal. Wind power is growing in use and popularity in places such as Germany and China. In the United States, California has three large wind farms that are used to provide power during massive energy use periods in the summer. The process is viable, but we must accept it and pursue better technology to wring the most out of the huffing and puffing of Mother Nature.



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Low calorie cooking and exercise the miracle diet

With all the fad diets taking over our televisions, bookstores, and pantries, many people have forgotten the basics of healthy living. When you are busy counting carbs, calculating fat grams, and popping diet pills, perhaps you should consider that the “miracle” diet may very well be the oldest one in the book. Low calorie cooking and exercise may very well be the secret to weight loss and healthy living. A few decades ago, few people knew what a carb was. However, everyone knew that you were supposed to eat a healthy, balanced diet. Now, however, low calorie cooking has been replaced with complicated recipes with hard-to-find ingredients, all in the name of weight loss. How did this get so complicated? Is it possible that you can lose weight without an advanced degree in physics? The real key to weight loss and healthy living is low calorie cooking and exercise.

Most people have one of two problems with this method. One, it seems too easy, or two, it does not magically make weight disappear. Although people may say they want an easy solution to weight loss, the truth is the complicated methods make people feel like they are accomplishing something. If it is as simple as lowering calories, people are not constantly reminded of what they are doing, so it seems like they are doing nothing. This coupled with the second reason, it does not make weight magically disappear, makes people assume it does not work. People want to look in the mirror the day after starting a diet and see a difference. They want a manifestation of the hard work and effort they are putting forth. However, few long-term solutions make a difference that quickly.

Low calorie cooking and exercise are not capable of getting you into skinny jeans in a week, but the real goal should be long-term health and fitness. How do you incorporate low calorie cooking into a diet based in deep-fried food and sweets? The first step is to reduce the grease and sugar. You do not have to give it up completely, but make it a rare treat instead of a staple in your diet. When cooking your regular recipes, replace ingredients with healthier alternatives or low calorie counterparts. For example, use low fat cheese and milk and veggies whenever possible. You can also get exercise into your everyday activities.

Park in the far parking places at work or at the grocery store and opt for the stairs instead of the elevator. Every little bit helps get you into shape.



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Retirement it s sooner than you think honestly

Many people hear "retirement" and think — what? 401K? Roth vs. Traditional IRA? Stocks, bonds, mutual funds? Do they? Or do many people put money away according to the suggested amount and then simply hope that when retirement comes all will work out? One report I read estimated that 66 million Americans have put away a Whopping $0 towards retirement. Many people are still thinking there might be a thing called Social Security around when they retire. Social Security: as of 2004, the average annual Social Security retirement benefit is approximately $11,000. That is not a lot to live on folks. Plus, we all hear the news periodically that there might not be any Social Security around when we get older and need it. And as a further WAKE UP call, I found a calculator which estimated (without Social Security): a couple at 40 bringing in $90k a year (together) with very modest investments would need to save an additional $2,690,000.00 ( yes 2 million +) in order to retire at 65-- OR – plan on working an additional 29 years!! Now before you get overwhelmed and click over to another article—lets put our heads together and simply cover a few very very basic start up basics. 1) Standard Of Living: You need to know at what standard of living you will want to live during retirement. 2) Basic Living Expenses: You will need to calculate the cost of basic living expenses (at that level) i. e. electric bill now of $200 = what in 2030? 3) Hobbies and Leisure Activities: Know what type of hobbies, and leisure activities you will keep busy with and what their cost might be then. 4) Family Visiting / Travel: Realize that more and more children move away when grown. So while they work out of state—YOU may need to do the traveling to see them. Plan for these costs. 5) Convalescent Care (nursing home costs) provincially run about $100/day median. You will need to multiply that times the same 4% inflation rate. Then multiply that times the number of years before you may need it—to approximate how much you may need to afford for your housing when you need assistance. Truth be known—WE need to plan to handle that cost ourselves, rather than think our children will be able to take on that kind of additional cost. You will need to total yearly amounts. You will need the approximate yearly cost to live (at your desired level) during regular healthy retirement. And, you will need the total yearly amount of costs to live in assisted or full care living facilities ( for each – you and mate). Multiply each yearly amount by the number of years you might be living in that circumstance. Example: Retire at 65. Live healthy retirement - 15 years (so 15 x yearly cost of healthy living) . Live assisted – 8 years ( so 8 x yearly cost of living in care). You now have two totals that when added together equal your estimation of the total dollar amount you will need to draw from in order to live after retiring. NOW you are ready to begin planning your investments in such a way that you can achieve that TOTAL number by the time you retire. Here are some tools to help you now that you are ready to take that first step: USA Today retirement cost calculator: http:// calcbuilder. com/cgi-bin/calcs/RET2.cgi/usatoday Motley Fool’s retirement area http:// fool. com/retirement. htm? source=PFinAg Metlife’s retirement area http:// metlife. com/Applications/Corporate/WPS/CDA/PageGenerator/0,1674,P1946,00.html About. com’s HUGE retirement resource area: http:// retireplan. about. com/ Until next time—all the best, Kate



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Online casinos offer better odds than land casinos

There is a new wave of gambling that you may be missing out on. A new style of winning with incredible odds and payouts that you may not know about. Online casinos are cropping up everywhere across the Internet. No longer do people who like to gamble have to live near a casino or travel to a city with casinos to partake in gambling activities. People from all over the world are participating today at online casinos and for good reason. There is a wide variety of games that are available at online casinos and all of them have great odds of winning. The payout percentage at online casinos is most often considerably higher than a Vegas-style ‘land’ casino. Higher percentage payouts equal more winnings for you at online casinos. Furthermore, online casinos are also very easy to get into. All you need is some form of identification (usually a driver’s license) to prove that you are of legal age, and you need some money to place a few bets with. You can use your credit card or a number of other online financial transaction options.

People who love the art of gambling know it’s all about the winning. People who know about winning, know that it’s all about the odds. If you knew the odds of you winning money while you were gambling were higher at an online casino than a regular casino, where would you gamble more often? In addition to offering better odds than a land casino, online casinos also usually offer free bonuses so you can also gamble with the casino’s money as well as yours.

Everyone wants to win when they are gambling. Losing isn’t nearly as fun. Finally, online casinos prove to be a source of unlimited fun and gambling entertainment. So, what are you waiting for? Find yourself a reputable online casino and get in on the game today! You can win big money at online casinos who offer you better odds of winning!



Online Online casinos offer better odds than land casinos

Back pain remedies

Back pain Remedies are required as back pain is quite a common phenomenon and generally occurs due to wrong posture or sudden movements. Each one of us is prone to back pain since the lower portion of our back supports a large portion of our body weight. The stability and the fitness of the lower back is dependant on the strength and the position of our vertebral bodies and the inter-vertebral disks. Back pain is often a short-term phenomenon and can be rectified by exercises or painkillers. However, back pain can also become chronic and recur by even a small movement. Back pain is generally not associated with an injury or illness and may even go away without any medication. Painkillers, such as Aspirin, Ibuprofen and acetaminophen, can prove to be quite useful in relieving back pain in initial stages. The application of a cold pack on the affected area in the first 24-48 hours is also effective in reducing the pain. Other most commonly available back pain remedies for back pain include a mixture made from Comfrey Root and special massage oils.

People suffering from back pain should avoid sudden turning or bending movements. Bed rest is not recommended for people suffering from back pain. Instead, one should continue with his/her normal activities, while taking precaution of avoiding sudden movements. Exercises, such as short walks, stretching and swimming, are recommended in case of moderate pain. Since back pain is generally not related to an injury, limited medical treatment is available.

For more information on Back Pain visit http:// backpain-resources-online. com



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Early diagnosis improves treatment

(NC)-Popular myths have led many to believe that mental health disorders are untreatable. As a result, a lot of people who suffer don't seek help. In fact most mental disorders are treatable. The treatment success rate for schizophrenia is 60 percent, 65 percent for major depression, and 80 percent for bipolar disorder. The success rate for treatments of heart disease, on the other hand, is only 40 - 50 percent. A variety of treatments are available to improve symptoms.

In fact, for most mental disorders there is more than one proven treatment. Most fall under two general categories, psychosocial and pharmacological. The combination of the two - known as multimodal therapy - can sometimes be even more effective than each individually. Although there is a wide range of treatments, the stigma and fear associated with mental illness prevents many from seeking help.

The longer mental illness goes untreated the more serious, and less treatable, the illness can become. Early identification and intervention of mental illness is key to getting your life back on track. For more facts about mental illness and how a book called "Catch a Falling Star: A Tale from the Iris the Dragon Series" is helping parents identify and understand early onset mental illness visit iristhedragon. com.



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How to quit smoking

One of the most vicious diseases in today’s times is smoking. It makes a person baffle for air 3 times more than a non-smoker. It has very many repercussions on the life of the smoker and those around him. It leads to lung cancer and various heart diseases like asthma and emphysema. We should thus abhor this deadly disease and quit smoking. Quitting is not easy But to actually quit smoking is not easy, because it is an addiction. However there are very many ways and methods that help us to quit smoking for instance we can opt for acupuncture therapy or aromatherapy. We can also opt for non-nicotine cigarettes or go for precise prescription by a doctor. But first and foremost we need to decide in our heart to stop smoking and should also fix a day for the same. Inform your family about your decision and seek for their help and assistance. Throw away all the cigarette packets, ashtrays and lighters. Stop buying any more cigarettes. Rather think of the more useful and better things that you can buy with the money thus saved. Ask the other family members also, who smoke, to stop smoking. Keep yourself busy. Exercise regularly and meditate occasionally. Eat healthy food. After doing all this you may still feel severe urges to smoke. You may also actually retort back to it, but that’s no problem, just be persistent and bring back your decision on to the right track after this break, because most of the people are successful only after 2-3 attempts. Be prepared for withdrawal symptoms About 80% people retort back to smoking after once leaving it and only 20% successfully accomplish the task. People retort back due to many reasons. Some say they feel agitated. Others say that the aroma when someone lights up is irresistible. But most of them do so due to the fear of symptoms that appears after that last puff viz. weight gain, aggressive thinking, dry throat, fatigue, muscle cramps, constipation, dizziness, hypersensitivity to stimuli, etc. but these are all just temporary symptoms and disappear in a few days. In fact after the initial bout is over the blood pressure, heart rate, pulse arte all get back to normal. You thus need to keep your will power strong and stick to your decision for a few more days. Some people are not able to continue with the smoke cessation programs because they say that they are costly. But this is a wrong perception because they are not costlier than the price spent for buying cigarettes. And then isn’t it more logical to spend on your health rather on a disease.



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Relieving headaches through lifestyle changes

Tension is the most common cause of headaches and other pains that we feel within our body. Usually, what people do to relieve this tension induced headache is to take anti-anxiety drugs and sedatives. These drugs are fast acting and seem to be the best remedy for headaches. However, the use of these drugs can not give us a lifelong relief from headaches. These drugs can even lead to a more serious problem since anti-convulsive and sedative drugs may cause dependence in the part of the individual after long term use. The curative effect of these drugs are just temporary which means that you need to pop a pill each time you feel tensed and anxious. We need a better way to address tension headaches; there is no other route to take other than a drastic lifestyle change.

If you wish to suffer no more without the use of prescription pills, here are some of the changes that you need to follow. Exercise Daily. Exercising is a good way to avoid muscle tension. By doing regular exercise, our muscles get toned and relaxed.

We can gain control over our muscles that gets uptight in times of distress and anxiety. Through exercise techniques, we will find ourselves being able to handle moments of anxiety or stress. Any tension is dispersed and thus prevents the onset of headaches. If you are suffering from regular headaches, try to exercise daily and see the difference. Avoid Caffeine. If you are a strong coffee drinker with regular bouts of headache, read on. We all know that caffeine contributes to the increase in muscle tension. It is said that continuous intake of caffeine actually triggers flight response. High caffeine dosage can increases our cardiac rate which further increases the chance for tension headaches.

In this case, it is recommended that we just limit our caffeine intake so as to balance its effects. Maintain Good Posture. Good posture is a determinant whether or not a person is likely to experience tension headaches. You can see people shrinking when in distress; a lifelong habit of bad posture can mean that you are not living life well. Happy people are full of zest and walk confident and straight. Start to examine the way you sit, if you see yourself sitting like an old man then straighten up. A good posture can mean better circulation for your body. There are so many ways were posture affects the overall health. Be aware and start changing your ways. The best thing one could do in order to relieve tension naturally is through modifying your lifestyle and reshaping your routine and attitude.

Although it may take longer to relieve tension through natural ways, these subtle lifestyle changes will help you avoid dependence on drugs that will later get you to a far worse situation.



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Alternatives to foreclosure

Buying a house is a big investment. It really puts a dent on your financial resources. Of course, the expenses do not end with the down payment. You still have to contend with the monthly payments for the mortgage. This is a financial situation that you will have to live with for years until you have fully paid off your loan. But what happens if you get behind in your mortgage payments? A delay in payment can have very serious consequences for your mortgage situation. If the delinquency in payments has become too severe then your home could be in danger of foreclosure. A foreclosure means that your property will be repossessed by the lending institution that gave you your mortgage. Fortunately, even if you have defaulted on your payments, it does not necessarily mean that your property will be foreclosed.

There are various alternatives to a foreclosure that you can take. Some of these are: Paying the delinquency. Generally, all lending institutions are required to accept all the payments that were delinquent and reinstate the loan. The delinquent payments that you have to pay may also include some legal fees especially if you are already in the foreclosure stage. There are also lending institutions that require certified funds in order to reinstate the loan. Forbearance and Repayment. One of the most common ways of resolving a delinquent mortgage is to work out a plan with your lending institution where in you get to pay a part of your delinquency every month on top of your regular monthly payments. If you are in a situation where you are not able to meet the monthly mortgage payments, your lender can elect to extend the forbearance by suspending payments for a certain period of time up until you can start a repayment schedule. Payment Assistance. Some state and local governments and also private charitable organizations have instituted programs that help people with delinquencies pay all or part of their mortgage obligation for a certain period of time. Reamortization. In a reamortization, the delinquent mortgage amount is added to the loan balance as a way of bringing the mortgage payments up to date. This move increases not only the total loan amount but also the monthly payments. Of course, the increase in payment will not be as large if the life of the loan is also extended. Private sale. A private sale of the property affected by the delinquency can also be done as it will allow you to meet your obligations as well as get any equity that may have accumulated. In private sales it is usual that the amount is greater than the stated amount owed on the loan. Most of these alternatives presume that you will be able to pay your mortgage payments at some point. But there is also a particular foreclosure alternative called a loss mitigation program. The federal government as well as the mortgage industry established this type of program as a way of stopping foreclosures. Under this program you are given options that will not only assist you in keeping your home even if you do not have the financial capability to pay for the mortgage payments. With these types of programs, it becomes so much easier to address the problem of foreclosures.



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Popular viral marketing techniques

Viral Marketing is all about giving away your own free product or service along with your ad copy (contact information, link, email, etc.). In turn, recipients of your free product are allowed to pass it along to their own clients, prospects, visitors and others as a freebie. This is a quick way to multiple your marketing at no extra expense and without extra effort on your part. Here are some popular viral marketing techniques to follow: 1. Ebooks – Share your no cost ebook with your website visitors. Include a nice full-color ad for your most popular product line with links to your website and email. Tell recipients to share copies of the ebook with their own site visitors and other contacts. 2. Software - Share a trial or “lite” version of your software with your website visitors as a freebie. Don’t forget to include that ad for your most popular product line with links to your website and email. And tell recipients to share copies of the software with their own site visitors and other contacts. For help creating software, hire help from online bid sites like Elance. com. 3. Web Host – Offer to host small business web sites on your server at no charge. In exchange, place your own banner ad at the top of the site for viral marketing. You can setup a fold for their site and they can choose their own domain name and have it redirected to that folder. 4. Templates – Design your own website or other templates, include your own marketing information on them and give them away as free downloads or as an electronic package. Grant permission for recipients to pass them along. 5. Articles – Write articles about your industry. Include your website and contact information in the byline and grant permission for others to publish as long as they keep the byline in tact. Then people can use your contact on websites, in ezines, newsletters and other places where once again, viral marketing will speed the spread of information about your business. 6. Discussion Board - Set up a Discussion Board on your website with your banner ad attached at the top. And invite others to link to it and use it for their own sites. In summary, by using viral marketing strategies, you can reach out all over the Internet with much less effort. See which methods work best for you and repeat them as often as needed.



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