Great value buying used car parts

Proper maintenance of a vehicle either new or old is the same. The engine has to be checked from time to time, the oil has to be changed and spark plugs need to be replaced. Any product wears down in time and the best thing to do if you are on a budget is to buy cheap, good quality used car parts. Acquiring used car parts is the same as looking around for a second hand car. You can either look for it in the classified ads, go around the neighborhood checking out the various shops that do sell these parts or you can surf the net saving some time and effort and search for the parts that are needed. There was time that such parts could only be found in dealerships and in the shops of local mechanics. This made it a challenge for those who needed it badly especially since there was no guarantee that the part if found, would fit the requirements and the seller would usually jack up the price giving the buyer no choice but to pay what was demanded. Searching for cheap used car parts does not have to be that difficult anymore as long as you remember a few things before looking for it; • By knowing exactly what is needed depending on the make and model of the car you have, it will make it easier for the person to go around looking for the exact car part • After having the specific part in mind, you can then check how much you are willing to spend to acquire that item. • Some parts that are needed don’t have to be the original. There are some parts that can be bought at surplus or a compatible part from another car make and model enabling can be used making a person save money for other things. • After getting the proper information, you can start by checking out either the local shops or dealers. If these people don’t have it, perhaps another dealer can be recommended to assist in the procurement. Another place you can go to are the local junkyards since a lot of parts there can be reused. Asking the local auto club for help and browsing through the Internet are also other options a person has to help in the search for other hard to find parts which can be ordered and delivered in a few days time.



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5 steps to continuous process improvement

Part One of Creating Well-Defined Processes Series What if your sales increased from $100,000 to $110,000 per day and your profit increased from $10,000 to $11,000 – did you improve by 10%? The answer might shock you... Because the answer is no. No improvement occurred. In fact, your process deteriorated. Sure, revenue increased, but is this really an improvement? Let’s take a look at the problem in this table. Let’s examine the before and the after scenario. Say, in the before picture, you have sales of $100,000, fixed costs of $20,000 and variable costs of $70,000. Total expenses amount to $90,000, giving you a gross profit of $10,000. In the after picture, sales increase to $110,000, while variable costs rise to $77,000 in addition to $2,000 in Extra Expenses – which give you total expenses of $99,000 and a gross profit of $11,000. In the after picture, remember though, fixed costs are fixed, and do not change with additional revenue. So you should get more than 10% (11.8% to be exact) profit from 10% growth. Extra Expenses Prevent Process Improvement Here we have the before and the after scenario. You can see that fixed costs are fixed, and do not change with additional revenue. So you should get more than 10% (11.8% to be exact) profit from 10% growth. And notice that in order to maintain a 10% profit we have to spend $2,000 in Extra Expenses. These Extra Expenses represent your process inefficiencies. These expenses could be sales discounts, travel, overtime, or something else. The names don't really matter. What does matter is that we are not improving. Process Evolution Enables Improvement Improvement results from process evolution, not from an increase in scale. What’s the difference? Scale increases when we hire another person, increase expenses, or purchase more assets in order to acquire or service more business. Process evolution occurs when we change the process and as a result can release hidden capacity and service more business without adding any costs - and this is a form of efficiency. You can measure efficiency with the formula: Efficiency = Output / Costs But process evolution is about more than just changing costs. It is about changing time, increasing process velocity, and getting more output from the costs you already have. Cutting costs, by itself, does not evolve a process. In fact, reducing costs, without properly understanding how those costs relate to the process, can actually decrease process evolution (devolution). Let's review an example… A Cost Reduction and Procedures Training Case Study A company decreases costs by switching suppliers and using cheaper materials for their manufacturing process. Now the purchasing department is happy they are saving money. The bottom line is starting to look better as profits initially increase. And so this improved the process, right? Well... But then complaints start rolling in from the field. Products are breaking down faster. Technical support costs rise, and customers start reducing their orders. Not only do profits evaporate, but customer goodwill does too. To offset this, your first reaction might be to switch back to the old supplier. This is much easier and it fixes the immediate problem, but it won't recapture the lost sales, customers and damage to the company’s reputation. But, again, you need to focus on the most important issue. There is a limit to the amount of costs one can reduce in any process – zero. You can’t reduce costs below zero. On the other hand, there is no limit to the process potential we can achieve. Process evolution concerns the numerator (the output), not the denominator (the costs) in the efficiency equation above. Change in Process Evolution = New Output / Old Output (Assuming costs are held constant) By focusing on process evolution instead of costs we can continue to increase our output forever. We just have to make sure that the output increases faster than the costs. Then what we have is incremental improvement. But what procedure can use to achieve this? Process Training It’s all about collecting feedback to set the right priorities for your change process. You need feedback to drive the change process. The more feedback you get the better you will be able to evolve your process. So let’s take a look at what your change process needs to include. Feedback Records with Deficiency Notations Trend Analysis Corrective Action Process and Criteria for action Audit Process Management Review Process And then ask yourself the following questions about your change process: Are process feedback records created? Have the feedback records been analyzed for process deficiencies? Are the deficiencies analyzed for statistical significance? Are the deficiencies of statistical significance written up for corrective action? Is corrective/preventive action implemented? Is there an objective review of all processes to ensure the change process is working? Does management review all findings to ensure the change process is working -- and that processes are evolving to meet or exceed organizational requirements? Next Week: Business Modeling With these thoughts in mind, you can see how important it is to first define continuous improvement and note how it can actually affect your business. But you can't gather feedback from all processes at once. If you did, that would generate a process overload. So where do you start? Next time we will show you show how when we discuss business modeling. Business modeling prioritizes which core processes you should improve. It tells you which processes are most important to not only achieve your company goals - but also to survive as a profitable business. You have permission to publish this article free of charge, as long as the resource box is included with the article. If you do run my article, a courtesy reply to sean@bizmanualz. com would be greatly appreciated. This article is 895 words long including the resource box. Thanks for your interest.



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The perfect network marketing system

Network marketing is hard. Do not even attempt a home based network marketing venture unless you either have or plan on putting into place a highly potent and highly duplicatable network marketing system geared for 2005 and beyond. Before I tell you what a billion dollar network marketing system should look like let’s talk about what doesn’t work. As I’m sure you probably know, network marketing is notorious for having a 95% failure rate. Let’s talk about why. Have you ever heard of Occam’s razor? Basically it states that the simplest explanation for a phenomenon is usually the best. We’ll use this theory to explain why 95% of network marketers fail. Ready? Most network marketers fail because the marketing methods that they are taught don’t work 95% of the time. Pretty simple right? So we’re led to ask the logical next question, what are most fledgling network marketers taught? Well, I can only speak from my experience, but what I was taught was to buy and cold call leads. Now, I’m not going to say this doesn’t work, but I will say is that after six months of cold calling leads for 3 hours a day with very little success this tactic doesn’t work most of the time. Don’t get me wrong some people are very good at cold calling leads, but most people aren’t. So what happens to most people after they’ve spend thousands of dollars on leads with very little success after six months? They give up. Additionally, another factor contributing to why most network marketers fail is the leads they use. Why does the type of leads make a difference? Business opportunity leads are generic. The leads answer an ad that just asks them if they want to be financially free, or make money from home. Well, of course they do, but that doesn’t mean they want anything to do with YOUR network marketing program. When the average network marketer calls these generic bizz opp leads the leads don’t know anything about the network marketer’s business and for the most part really don’t care. This leads to the fledgling network marketer hearing a lot of NO’s. Hearing NO all the time leads to quite a bit of self doubt, both about the network marketers own ability and the validity of their association with their network marketing company. Negative feelings begin to harbor and as I said before eventually the network marketer gives up, usually with 3-6 months. That’s basically why 95% of network marketers fail if you asked me. So how do we change this paradigm? We build a Billion Dollar Network Marketing System! Now we get to the good stuff! What does a perfect network marketing system look like? For the average home based network marketer to be successful certain thing MUST be in place. I will list them here: •Lead capture page designed specifically for specific Network Marketing Company: This page must contain strong sales copy that tells the prospect why he wants to opt in for more information. The best way to do this is to offer a High Value Free Report in exchange for there contact information. •Free Report specifically designed for Network Marketing Companies Opportunity: The free report must be highly informative. It must explain all of the features and benefits of joining the network marketing organization as an independent distributor and must focus on the support and resources available to the new recruit should they choose to purchase a distributorship. The company’s products and compensation plan must be clearly explained here as well. If possible, testimonials should be used, as they are extremely powerful sales conversion tools in this portion of the sale process as well. •Follow up Email System: Attached to the Free Report there must also be a follow up system that continually markets through email the program to the lead. Most leads don’t act immediately and must be marketed to at least 7 times before they take action. The email follow up system must have strongly worded sales copy and must have a system for getting through spam filters. •A Continual Feed Back System that uses the Fear of Loss: Along the with email follow up system there must be a feedback system that will alert the prospect by email when new prospects opt into the system and invoke the fear of loss during this process by telling the prospect that if the next prospect in line upgrades to a paid position before he does then he will forever loose commission on that prospect. This is an extremely powerful psychological tool. •Strong Support: It’s one thing to get someone to buy a distributorship, but it’s a totally different thing get them to work the business effectively. There must be an email follow up system once a new distributor signs on to ensure that he receive adequate training on who to market successfully. There must also be human support at this point. So, there must be strong relationships built between upline and new distributors. •A Good Product or Service: In order for this entire marketing process to work, the system must be back by a strong and ethical network marketing organization that sells a high demand product that people need and would purchase even if there were no compensation plans attached to it. •You: You must be an active part of your business. You must be willing and open to learn new ideas and tactics at all times. You must have a passion for your business and truly believe in the product that you plan to build your organization around. In Conclusion: I’ve listed the basic component’s a of a perfect network marketing system. This system will involve NO cold calling because the prospect will opt in to request more information specifically about your business before you even talk to them. Cold calling generic bizz opp leads and hearing a lot of NO’s is what causes most network marketers to fail. We want to avoid this at all cost and this is what this system is designed to do! Because prospects are opting in specifically for more information about your product and business plan and then get a detailed report explaining all of the above before you even speak to them will greatly increase your chances of a successful conversion. The email follow-up and fear of loss systems will increase your chances successful conversion even further. These factors will cut down on the number of NO’s that the average network marketer must endure before success. This will increase duplicability vastly. Further, having uniform training and exceptional support are the basics and must be present. So, Before you spend another dollar on your network marketing efforts ask yourself if you’re using a perfect network marketing system. If your answer is no and you aren’t having any success then ask yourself what you can do to change your system to one that will work for you and your future distributors using the principles that I have detailed above. Network marketing can certainly make you rich, that is… if you have the perfect system in place!



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Common mistakes to avoid when purchasing term life insurance

When purchasing term life insurance, there are a number of factors to consider. Consumers should make certain they understand the concept of term life insurance and make purchases accordingly. Here are a few of the most common mistake people make when buying term life insurance policies: 1. Buying a term life insurance policy because it is inexpensive. While the price may be cheap, you must make sure that the policy will meet your life insurance needs. 2. Failing to realize that term life insurance is temporary. A term life insurance policy will only be in effect for a set period of time. After that time expires you will need to renew, and if your health has deteriorated in that time it may be very difficult for you to obtain another policy. 3. Purchasing life insurance from an unknown or unstable insurance company. If the insurance company you choose does not have at least an A rating, walk away and look elsewhere. 4. Buying life insurance from an over-anxious agent. If the agent does not take the time to ask questions and understand your needs, end the conversation immediately and find a different agent. 5. Failing to review your policy on a regular basis. Changes in your life, your employment, and your finances can affect your life insurance needs. Take the time to analyze your situation from time to time to determine if your insurance needs have changed.



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Getting along with difficult people at work

“Last week, my boss hired a “trainee” straight out of college to work in our department. She is young and it really showed in how she behaved. The problem is, this new “co-worker” of mine started acting like a prima donna. She has become manipulative and dominant. Some of my colleagues are complaining behind her back. It was becoming a nightmare for me just being near her. It has even made me think of quitting.” Dealing with difficult co-workers is one of the leading causes of stress and anxiety. Unresolved...it would make that person even more depressed. There are people can't seem to get ahead in life because of relationships or situations. Our main set-backs is not all of us are taking the necessary steps to cope up with those people who make life unbearable for us at work. The following are just some of the list of behaviors that push our “buttons” in the workplace: l Criticizing your religious or political beliefs l Uncooperative l Absenteeism (with effects the team members) l Too much gossiping l Arrogant l Disrespectful to supervisors or co-workers l Unfriendly The ability to get along with people, adapting to their different personalities takes a certain degree of maturity, patience, understanding and it is the basic factor in our workplace survival and no amount of college education will ensure professional behavior. Workplace relationships is as crucial, it can even lead to unhappiness of that person can't get along with everybody or that person makes life miserable for others. Coping with a troublesome co-worker One of the biggest challenges of dealing with difficult co-workers is that their behavior can take many forms. If a co-worker is rude or negative it may require a different approach. Here are some general tips on how to cope with difficult co-workers: l If that co-worker's unpleasant behavior interferes with how you do your job, you must find a way to solve it if is not directly interfering with your job the best way is just ignore it. l Give your co-worker the benefit of the doubt. l Speak up! Bring up the problem directly and privately to your co-worker. If the co-worker's problems is that she tends to be such a whiner or gossips continually. Put an end to it by discouraging that person. l Try it out for yourself if talking to that person will solved the problem if not; that is the perfect time to talk to your manager. Managers generally expect you to work out most of the problems with people who are on your own level. Be sure you tried everything even a trusted mediator before going on a higher level. Be also aware of your own behavior and work at changing them. Be sure to identify your strengths and weaknesses. You might not change or control the behavior or attitudes of others but you have the power to change yours.



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Game movie for iphone

For many Iphone owners, their main priority once they get their hands on it will be to find a good game to play and some good movies for it. In case you don't know, the Iphone is the spiritual successor to the Ipod. The Iphone's early stages of release have been so popular that many retailers have struggled to keep up with demand. If you are lucky enough to have gotten an early Iphone (and in many cases it wasn't luck but a willingness to stay up all night outside the Apple store!), you're going to want to get some games and movies for it as quickly as possible. For those of you that can't wait a moment longer, you can simply log into one of the many browser based games with the Iphone's internet connection. These games can be great, if a little limited, so once you've had your fill you're probably ready for the real downloads. The main thing you need to keep in mind when you are downloading both movies and games for your Iphone, is safety and security for your home computer. The internet can be a pretty hostile place if you stumble into the wrong place.

Many people over the last few years have been downloading all kinds of things online, and using the peer to peer or torrent sites as a downloading source. This can seem great at first, but as soon as you download anything from a site like that, you are breaking the law. Not only that, but opening your computer to such a site can really cause problems. Many hackers and malware creators hang around the torrent sites, trying to get their shady files downloaded, so it's altogether better just to stay away. There is a much safer way to get your download fix online these days-there have recently started to be a few alternatives to downloading from the P2P sites. These sites are modern, regulated and even have dedicated customer support.

They work by charging a one off fee for a lifetime membership, and once you are joined you are then able to download as much as you want. That includes all the games and movies you can imagine, plus you will usually find music and TV shows waiting there for you as well. The one off fee is usually something like $50, which represents pretty good value for money I find. I hope you've found this article useful.

Happy downloading!



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How to play backgammon online

: Backgammon is the oldest game known and it is very popular all around the world. In the past you needed a board, dice and gammons. And something else of course - two players sitting and playing against each other. Today, with the development of the internet you no longer need the other player to sit in front of you, he can be playing from the other side of the world, and you can even play against the computer. Why play on the internet if you can play with a real board and dice? First of all, it doesn't have to replace each other; actually most of the best online players keep playing the real game. The internet can't really replace the feeling of throwing the dice or seeing your opponent's face as you throw yet another double, but the internet can give you what internet gives best - online backgammon, 24 hours a day, without the time being wasted on arranging the game and without thinking where to put the backgammon board when your boss sees you. The fun about playing backgammon online is the availability to play as long as you wish, even for 3 minutes, against players from all over the world. Playing online can even makes you richer - but this is only for the professional players. If you do a survey among the online backgammon players, you would be surprised to learn that most of them play regularly online and rarely offline. Step 1) Choosing the online site- The internet has a wide variety of online sites. We recommend you begin with the big sites who offer backgammon games for fun and not only money.

If you don't speak fluent English, look for a site that has the instructions in your language as well. A quick search in Google will give you the results, just click in and see whether the site looks professional or not, the professional ones will have games for money and for fun, schools, FAQ, support team. If you really are paranoid just fake a question and see if they contact you back. Keeping, at least in the beginning to the big and commercial sites makes you safer and will have more added values later on. Don't give any credit card details or any other detail except an email, and download the program. Step 2) Learn How to play backgammon- The online backgammon rules are the same as the offline. For those of you who don't how to play, you can read the article on our site on how to play backgammon and almost any backgammon site has the rules. Most of the professional sites have schools for backgammon; this is a recommended way to learn quickly how to play - the computer shows you which moves are recommended for every dice. Step 3) Playing against a real person- In this stage you play only for FAKE MONEY!

After you register, you are awarded with the minimum points. Each time you win a match you earn more points depending on the level of your opponent and the points you agreed before. . The player's level of expertise is determined by his points. The site will offer you free of charge to enter "rooms" and ask players to play with you. Step 4) Playing for real money- You should be well trained before you start playing with your money. It is recommended to play in the backgammon schools in the advance mode, play for fun a lot and learn from other players by observing other matches. The sites accept most of the credit cards since backgammon isn't considered gambling.

The site collects a fee from the winner of each match in percentage and depends on the level of the players, the sums, and the differences between the levels of the players. In other words, basically the fee is higher the bigger difference in the player's level as an incentive for players to keep to their own league. When you feel you are ready, it's time to choose an opponent. Beware, although the level of each player is determined by its points, not all is what it seems.

Although the points give you a perspective on the level of the player, it can lead to under valuate your opponent. Always remember that even if the best backgammon player in the world is playing, even he as a new player on the site starts with the minimum points and works his way up. In the past, some of the professional players tried to trick other players to play with them by registering under a different name and so starting with minimum points, but today only one player is allowed on each credit card, so rarely will you meet professional backgammon players who borrow their friend's credit card. If you have more backgammon>/i>tips you think should be in the guide, feel free drop us a line.



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Private label reward credit cards

More and more, consumers are becoming just as interested in the label associated with their reward credit card as they are with the interest rate, possible annual fees, and rewards. After all, credit cards were once very nondescript with nothing special separating one from the other but the Visa or MasterCard logo in the bottom right hand corner. Looking for Unique Today, many consumers are looking for reward credit cards with flair, personality, and a unique quality. Of course, consumers are still interested in receiving a great deal with their reward credit cards and, for the most part, won't be willing to give up quality for a pretty picture. Nonetheless, the offerings of credit cards are becoming more and more competitive as they fight each other for customers. Therefore, many of the best reward credit cards offer a variety of different styles to the consumer in order to attract them to their card. In some cases, the designs may indicate a different type of card with different benefits. In other cases, the same type of card may have many design options to choose from. Breaking the Mould The first credit card to offer an intriguing design was the Discover Card. This occurred over twenty years ago when their sunburst design crashed into the market. Since all credit cards looked pretty much the same at the time, the design on the Discover Card was considered to be quite revolutionary. In addition, it garnered a great deal of attention from consumers. Understandably, other cards followed suit. Following the Trend Today, most reward credit cards offer attractive and fun designs. Nonetheless, Discover Card continues to lead the charge. Understanding that a single design is not going to please everyone, Discover offers more design choices than any other reward credit card. They have many wild designs, ranging from fun and colorful to professional and demure. Discover's variety of options began when it launched its clear card option for those who were applying for the card. At this time, it offered a credit card with a translucent blue background with a bright lighter blue grid pattern on top. After this design caught on in popularity, Discover decided to start offering more designs for all of their cards, including reward credit cards. Today's Designs Today, Discover offers a patriotic American Flag card, which was launched after the 9/11 attacks. It also currently offers an entire line of sea life and wildlife cards that include images of animals such as a bald eagle, a tiger, and a killer whale. Their designs also include artistic designs, see-through cards, and other cards with a natural or patriotic theme. When selecting from rewards credit cards, you do not have quite as many design choices as you would if you were not limiting yourself to a certain type of card. Nonetheless, you will still have different designs to choose from in order to make the card unique to your personal taste and lifestyle. Of course, Discover is not the only company to provide special designs for their reward credit cards. If you look through other available reward credit cards, you will be sure to find a number of designs being offered by other companies. Nonetheless, Discover Card is none for the flexibility it provides to its customers when it comes to choosing the design that suits them best. Keeping the Rewards Although you may decide to go with a reward credit card with your own personal label, it doesn't mean you have to give up the benefits. Regardless of the design you choose, all Discover reward credit cards provide 5% cash back rebates. You can also earn more rewards by purchasing items from restaurants, grocery stores, home improvement stores, and bookstores. With these cards, you can look stylish and earn rewards all at the same time.



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How to avoid failure on your ebay auctions 415

How to Avoid Failure on Your eBay Auctions Many first time sellers have one thing in common – they fail. Many of them fail time and time again, never understanding what is going wrong. They do hours of research looking for the perfect item to sell, get the auction set up, and wait for the bidding to begin. Hours go by and no bids are placed. Days go by, and there are still no bids – or there are very low bids. Finally the auction ends, and it turns out to be a total failure. Considering the huge number of sellers who run eBay auctions, there are specific things you must do, and specific things you must not do if you are to be successful. There are many reasons why auctions fail. The most common reason is that the item is not in high demand. This problem can be avoided by doing the necessary research to determine which items sell well, and which items should be avoided. This research takes a great deal of time – but in the end, you will find that it is time well spent. Another reason for eBay failure is pricing. No matter what your reserve price is, your opening bid price should never be more than $50 or so. This is how you will attract potential bidders to your auction. If you set that opening bid too high, most people won’t even click the link to read the description for your item. Another pricing problem is lack of research. Before you set your reserve price, you must determine what the item is really worth, and the price similar items have sold for in past eBay auctions. Poorly written descriptions are another cause of failed auctions. Poor grammar and misspelled words drive people away. Failing to post a picture of the item will also keep people from visiting your auction page. Make sure that your description is well written. This is essentially your ‘sales copy.’ Shipping prices scare people away from auctions if they are too high. Find the lowest shipping prices that you can find, and consider paying for the shipping yourself if it won’t cut into your profits too much. Do not charge handling fees. Offer great ‘customer service’ for all of your auctions, and ask your buyers to give you feedback. If the items that you sell are everything that you said they would be, and you offer great customer service, you can expect wonderful feedback – and this feedback will help a great deal in your future auctions. (word count 415)



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Ebay and drop shipping 430

eBay and Drop shipping – Getting the Product to Your Customer If you hope to own an eBay business, and make a full time living at it, you can easily make that dream come true – even if you don’t have a product of your own to sell. eBay provides many people who want to quit their corporate nine-to-five jobs with a way to make a good living, without having to put up a lot of start up capital. This is made possible with the help of drop shippers. Drop shippers send merchandise to the customers of business owners. If you have an eBay business, you are a business owner. This will allow you to offer a wide variety of stock in your eBay store, without having the need to warehouse all of those products! All you have to do is set up your auction, and sell the product. You then pass the customer’s information on to the drop shipping company. The drop shipper does the rest, and they will even use your company information, as well as your company logo if you have provided it to them. When the product arrives at your customer’s home, they will have no idea that your company didn’t send it. The drop shipper will package, label, and ship the products that you sell, allowing you more time to set up even more auctions, for greater profits. You must establish a relationship with several drop shipping companies in order to become successful. In the beginning, most companies will require you to pay for the items that your customers order before they are shipped. You need to fill orders in a timely manner, so you should pay for the items with a credit card for speedy service. Eventually, you will be able to have the drop shipper fill your orders, and then bill you for them later. When you set up your eBay auctions, make sure that your reserve price is set higher than the price that the drop shipper will be charging you for the item. The idea, of course, is to earn a profit! Depending on the item you are selling, a markup of about 10% should be about right, but you should do some research to see if the item is selling for a lower price in another eBay auction, or through other online sources. By starting an eBay business using the drop shipping method, there is essentially no financial risk involved. The product will be sold before you pay the drop shipper for the item. This is one of the few businesses where you can actually turn a profit before you have expenditures! (word count 430)



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The pros and cons of prepaid credit cards

Observers in the lending industry have estimated that there may be at least 50 million Americans who are not able to qualify for credit. These consumers are usually young, often members of the minority groups and unbanked…and they are faced with the long-standing dilemma of credit: how can I build my credit record if no one will give me any credit at all? One of the answers offered by credit card companies is a variety of prepaid credit cards, designed for use by specific segments in the market. The prepaid credit cards are meant for that significant portion of the population that cannot meet the qualification criteria for regular credit cards, or who qualified before but have since lost their credit due to repeated defaults and other reasons. Advantages of Prepaid Credit Cards For those who do not have enough credit history or have had it blemished, prepaid credit cards are an effective way to build or slowly rebuild credit. That may not happen immediately, but it is something to work on over time. The banks that issue prepaid credit cards are also prepared to extend normal credit the moment you are able to show that you have become a worthy credit risk. For the moment, you may have to make do with prepaid credit cards. You can use prepaid credit cards as you would any other regular credit card to purchase airline tickets, reserve hotel rooms, or order items online. Prepaid Credit Card for Students There is a special prepaid Visa credit card for students, which offers a lot of convenience not only for the students but also for their parents. These reloadable prepaid credit cards offer parents several options on how to reload. Parents can add money to reloadable prepaid credit cards by depositing money, by arranging an automatic transfer of funds from their account (a deposit account or their own credit card account), or by online transfer. Using the prepaid Visa credit card is no different from giving the regular allowance to their child, only they do so by electronic means and there is no more cash that changes hands. The big advantage of the prepaid Visa credit card is that the student is limited to spend only as much money as there is in the card. The parent is thus able to control to some extent the spending behavior of their child. They can use the prepaid credit card anywhere that the credit card brand is accepted. Prepaid Credit Cards as Gift Certificates Some prepaid credit cards function like gift certificates. You buy the prepaid credit card for a certain amount, and your recipient can purchase items with it at any of the brick-and-mortar stores or online merchants, and also for mail order items, that accept the particular credit card brand. Your recipient can use the prepaid credit card only up to the amount of money that you loaded on it. This particular version of prepaid credit cards is non-reloadable. Like any gift certificate, recipients of prepaid credit cards can buy whatever it is they want at any time they want. Unlike a gift certificate that, when it gets lost is lost forever to the recipient, prepaid credit cards may be replaced if it gets lost or is stolen. Prepaid Credit Cards for Travel There is a prepaid credit card designed for travel. These reloadable prepaid credit cards can be purchased in lieu of travelers’ checks or cash. In a way, it combines the best features of a credit card and a traveler’s check because of its convenience and security features. Should you lose the prepaid credit card while you are on travel, you can easily obtain an emergency replacement, both for the prepaid credit card and some cash. Prepaid credit cards for travel are accepted all over the world, and also allow you to obtain currency from ATM machines. When you need to reload and you are already traveling you can arrange for the reload by phone or online. Apart from the fact that it is a prepaid credit card, you can use it exactly like a regular credit card. That also means you enjoy other benefits just like a regular card — reimbursements for lost luggage of up to $1,000 per cardholder if your luggage is lost; zero liability if your prepaid credit card is used fraudulently after you lose it or have it stolen from you; purchase security up to $500 per claim for any items you buy with prepaid credit cards, which subsequently gets stolen or damaged for certain reasons. Generally, you can purchase prepaid credit cards of all the major credit card brands at their participating retailers. You don’t have to worry about not having acceptable credit because prepaid credit cards are made available without need of a credit report or a bank account. The only qualifications you need to have are that you have reached 18 years of age and that you must be able to present a valid identification issued by government. Disadvantages of Prepaid Credit Cards There are a few things about prepaid credit cards that may not be as convenient as the regular credit cards. For one thing, you load only so much money onto it. You will need to keep track of the balance on the prepaid credit card because not all of the merchant terminals where you use the card may be able to help you determine it. However, there are procedures that tell you how to determine your balance, and you will these detailed on the back of the prepaid credit card and in the instructions accompanying it. The process of reloading your prepaid credit card may be a little inconvenient to some. If you’re using cash, you would have to visit the participating outlet where you bought your reloadable prepaid credit cards. The more convenient way will be reloading online. There are also the charges. Prepaid credit cards impose an application fee, the amount of which varies with the issuer, and there is also a service charge that you have to pay monthly. You also have to pay for transaction fees, charges when you transfer funds to top up the balance, when you replace your prepaid credit card, and many other fees. To be sure about the fees, you should read closely the fine print on the prepaid credit card account. Prospects of Prepaid Credit Cards Prepaid credit cards do not provide credit; it is your money that you’re using. You are asked to pay other charges, so it is not for free. You are paying for the convenience and security of carrying plastic instead of large amounts of cash. People with bad credit will be able to act as if they had a regular credit card and enjoy the convenience of one. Issuers of prepaid credit cards realize that it is a good way to monitor the credit behavior of the cardholder. A prepaid credit card would be a source of information that indicates to the credit bureaus and issuing lenders about how you as the individual cardholder use the card to pay your bills such as utilities. If these consumer data could be formatted in such a way as to provide the basis for a statistical model on probable future behavior in spending, then this could become the foundation for building a credit history. You would benefit, because by using prepaid credit cards you are rebuilding your credit. The prepaid credit card issuers would benefit, too, because they would be making previously unproven customers bankable. More people could then qualify for regular credit, and that would mean tremendous incremental revenue for the lenders.



Online The pros and cons of prepaid credit cards

Golf practice isn t important if

Golf practice can only help your game if your body can do what you ask of it on the range. Does that make sense? How often have you taken time out of your day to go to the range for golf practice only to leave more frustrated than when you did when you first got there? Now come on…be honest! Every amateur golfer has experienced this more times than we can count. Why is this? Because our body can’t perform a mechanically sound swing when it is physically weak and tight. Picture the last time you hit a bucket of balls.

Out of the whole bucket, how many swings really felt good, and the ball did what you wanted it to do? I’ll bet you can count them on less than one hand. Or maybe I’m being harsh, and you can count them on less than 2 hands. Either way, this is a common occurrence during a golf practice session. Don’t get me wrong…golf practice is critical in improving your golf swing and overall game…but you first need to work on the “machine”, to be able to make the most out of your time during your golf practice. Let’s look at the positive side! You take my advice and start improving your golf specific strength and flexibility. It doesn’t take 2 hours a day in a gym to accomplish this. All of my programs, dvds and books incorporate affordable equipment that can be done in your home or even office. The result? The next time you plan a golf practice…it goes fantastic! You’re hitting more balls the way you want to. You’re enjoying your golf practice not getting frustrated. You even buy a new range card because you’re on a new high from such an awesome golf practice session. That’s called Total Golf Performance! You’ll soon be dominating your foursome and they’ll all want to know your “secret”. Take this approach to your golf improvement and get a maximum return from your golf practice.



Online Golf practice isn t important if

Don t eat the flu

Every year, there are always families that are embarrassed since all their family members come down with a serious flu bug that seems to be on “unlimited repeat” throughout the whole flu season. They really don’t know what’s wrong with them, but they complain about it all the time. This is very true of many people, and it’s sad that they do not have the basic knowledge to prevent the flu. We often read reports that say, “Wash your hands before eating.” However, how many really obey this fundamental rule? It’s so simple and basic, yet people forget this healthy policy for themselves and their family.

Once one family member gets the flu, there is a very high possibility of spreading it to the whole family. If you don’t want to complain about the flu, you should first ask yourself, “Have I become too lazy?”. In a public place, parents often put food into their child’s mouth to make sure the child is eating well. It’s love from the parents, but it’s also the source of flu. If that parent has not cleaned his or her hands with hot water and soap before eating, bacteria stays on the hands, and that person—or their child—eats all that bacteria. Ingesting such germs is the best way to catch the flu, just as surely as if you had opened the door for the virus and said “welcome” to the flu bug. People often enjoy delicious food in a buffet restaurant. Many lick their fingers after eating on their way to making a second trip to the buffet line. If that person has the flu, then touches those public ladles, the next person in line uses that ladle and then licks their fingers—“delicious!” But what happens? They get the flu! Isn’t that right? No one wants to be in bed with the flu or make their family unhappy. Ask yourself: “Who decides whether I get the flu or not?” The answer is simple: You do! We must remember that we always have to protect ourselves as much as possible by any method. Moreover, we are not even for ourselves but also the whole members of our family if we keep that simple goal in mind. We have to prepare everything enough to face the flu seriously. At least, we have to ask ourselves "what's flu exactly?" to make sure that we know it well! Moreover, Is there the other option of protecting ourselves? Think about it. Don’t eat the flu from now on! Copyright 2005 Happy Teddy



Online Don t eat the flu

Warning flu shots can be dangerous to your health

Every year about this time doctors around the world are recommending that people go in and get their annual flu shot. What most people don’t know or understand is just how dangerous this could be, especially for children under the age of 12. When people call and say “My doctor is telling the family to go in and get a flu shot. Should I do it?”…I tell them they should learn about the side effects and decide for themselves…as a chiropractor and naturopathic physician I don’t’ have the time or energy to argue with family practitioners or family doctors who are obviously uneducated on the possible side effects or detrimental effects flu shots or vaccinations in general can have on the body. I personally have never received a flu shot and have never been ill during the flu season. In my personal opinion I don’t think toxic chemicals and strains of different viruses growing on living tissue belong inside the body. Because of the demand, I want to share with you some of the research that we have found in the latest flu shot trend and the by-products of these supposedly sterile and non-harmful solutions.

I don’t know about you, but I sure would not want any of the following compounds in my bloodstream or deposited in my body. Let’s look at what we have found in the common vaccinations: Ethylene Glycol: Ethylene Glycol is nothing more than the technical name for anti-freeze, the same stuff that you put inside your car engine. I don’t think I have to tell you what would happen if you ingest antifreeze. Thimerosal: This is a mercury derived disinfectant and preservative which is used in a majority of the vaccinations and can result in brain injury over a long period of time leading into Alzheimer’s or Parkinson’s Disease, lack of memory, sluggish brain performance and also is known to induce auto-immune diseases such as lupus, rheumatoid arthritis, ALS as well as altering and depleting the immune system from working efficiently. Phenol: Phenol is most commonly used as a disinfectant, also used as a dye, is listened as a carcinogenic agent (cancer-causing) agent and is also known as carbolic acid. Neomycin and Streptomycin: These compounds are used as antibiotics which have side effects to include severe allergic reactions in some people. It always puzzled me why they are putting two different forms of antibiotics in a viral vaccine. Aluminum: Aluminum accumulates in the skin, bones, brain and kidneys and can cause Alzheimer’s and Parkinson’s disease. Aluminum has also caused cancer in laboratory mice. It is commonly used as an additive in most vaccinations. Formaldehyde: Formaldehyde is used as a preservative. It is also classified as a carcinogenic (cancer-causing agent) and causes the body fluids to become acidic in nature. Formaldehyde will start to preserve your tissues within the body. I hope that when your doctor starts telling you that it is time for your annual flu vaccine you will present this material to him and ask him how all of these ingredients are going to prevent you from getting the flu. I’ll be very interested in knowing what his answer is to that question. As a side note just to let you know what is being injected to your body, these vaccines are strained through animal or human tissues like chicken embryos, monkey kidney tissue and embryonic guinea pig cells, to name a few. So what am I supposed to do if I don’t listen to my doctor and I decide not to get an annual flu shot? Well, you have probably made the smartest decision you have ever made in your entire life. So let me give you 5 Simple Secrets and Bonuses to Sailing Through The Flu Season: Secret #1: Reduce your intake of caffeine, alcohol and carbonated beverages and replace with purified water with addition of organic apple cider vinegar added. Two tablespoons per gallon or a capful per glass. Ideally, you should drink at least Ѕ gallon of water each day. Secret #2: Reduce intake of refined white sugar, white flour, sweets, refined grains and hydrogenated oils. Try not to over-eat, especially during the holidays. Try to get adequate exercise—at least 3 times per week. The more you move, the better your lymph system is able to move toxic materials out of the body. Secret #3: Zinc. In a majority of the studies that have been done during the flu season many people have prevented the flu by taking supplements of zinc. Zinc is one of the most powerful immune stimulants and is powerful anti-viral. There are a lot of different forms of zinc and you have to be careful on which one you choose. Therefore I recommend the best and most absorbable form of zinc which is zinc orotate. If you cannot find this form of zinc at your local health food store or natural health care practitioner contact Global Healing Center at 713.476.0016 or staff@globalhealingcenter. com. Do not take zinc at the same time you eat or drink citrus fruits or juices. It will diminish the effectiveness of the zinc. Secret #4: Eat as close to nature as possible. This means to eat food that is considered “live.” Include raw fruits (seasonal), vegetables and nuts and seeds as much as possible in your diet. If possible, buy organic or from a local farmer’s market. Make sure that you thoroughly wash your fruits and vegetables before consuming. Vegetables may be steamed lightly or used in nourishing soups and stews. Adding fresh garlic to your diet is also recommended. Secret #5: Eliminate stress and negative emotions. Being negative and allowing stress to affect you can quickly bring down the immune system. Learn to say no to activities that will over-tax your schedule. Spend time alone each day and read positive books, listen to good music or practice meditation. Train your mind to find the positive or good in every situation and treat all of these situations as a learning experience. Don’t go around playing the “victim” in life. BONUS! Secret #6: Colloidal Silver, Oxygenator and Oregano Oil: Colloidal silver has been around for hundreds of years and has been used as a natural antibiotic which promotes healing. It can also be used as a nasal spray and as eardrops. Oxygenator is a safe, stable, inorganic compound of oxygen and chlorine-containing products, in a colorless and odorless aqueous medium. Oxygenator is known to release chlorine dioxide (CL02), and the product has demonstrated efficacy as an anti-inflammatory, broad spectrum, bactericidal, fungicidal, as well as a virucidal agent. The Chemistry Literature verifies this triple-threat ability of CL02. Oregano Oil is a powerful germ and painkiller. An article published in Phytotherapy Research describes how oregano oil superceded anti-inflammatory drugs in reversing pain and inflammation and is nearly as powerful as morphine as a painkiller. The oil also possesses significant antioxidant powers. Furthermore, it stimulates the flow of bile, which greatly aids digestion. Keep these three products in your medicine cabinet at all times. All three are available from globalhealingcenter. com or call 713.476.0016. SUPER BONUS!! Extra Tips and Suggestions Get adequate sleep and rest. The body does the most healing between the hours of sundown and midnight. It is impossible to “catch-up” on sleep. Wash your hands frequently. Rinse and dry your hands thoroughly and keep them away from your eyes, nose, and mouth. If you sneeze use a tissue and throw it away as soon as possible. Buy a new toothbrush frequently. Toothbrushes can harbor viruses and prolong an illness. Eucalyptus Oil is good for relieving congestion. Put 6 drops in a hot bath or in boiling water, put a towel over your head and inhale the vapors. You can also diffuse it through an essential oil diffuser. Dairy Products. Dairy can be very mucous causing not to mention the fact that many people have an allergy to cow’s milk and don’t even know it. 3 Drops of 3% Hydrogen Peroxide in each ear 3x daily for 5 days helps relieve flu symptoms. With many flu seasons ahead I felt it was finally time to break the silence and reveal these secrets to as many people as possible. I have come to the conclusion that your Dr. doesn’t want you to know about the detrimental effects of flu shots and vaccinations. Please feel free to share this article with your friends, family and loved ones. I wish you a happy and healthy holiday season. Don’t forget to check all the information and research articles on our continually up-dated website: globalhealingcenter. com



Online Warning flu shots can be dangerous to your health

Empower your shopping experience

Healthy living begins with healthy eating and healthy eating begins with healthy shopping... Regardless of what nutritional program you are following - whether it is low fat, no-sugar, low carbohydrate, or based on some other method - there are always healthier choices that can be made when you are shopping. Support your nutritional program week-by-week and day-by-day by ensuring that you stock up on the wholesome foods you need for your meals and snacks. Having the right food on hand helps you avoid eating the wrong things such as food, which are too high in fat, calories, sodium, and sugar. Additionally, shopping wisely helps you eat more of the good things like fibre, vitamins, minerals, and antioxidants. Use the suggestions below to avoid supermarket "traps" and help stay on track...

Plan The Shop & Shop The Plan Put on your 'thinking cap' and make a list of the foods you need before you shop and stick closely to it. Plan your shopping around your favourite meals and recipes & don't be tempted by those wayward specials that may fall outside of the foods best for your program. HALT! Don't Shop When You're Hungry-Angry-Lonely-Tired Heed this word and make sure to eat before you shop to avoid impulse buying or stocking up on items you may regret later. Begin With Colours Fill up your shopping cart first in the produce section with lots of vitamin-rich vegetables and fruits. Select a variety of colours, flavours and textures to add interest and variety to your meals. Be adventurous and go for exotic fruits or vegetables that you may not usually choose. Choose Individual Servings When buying chicken, fish or meat, get single meal-size servings that you can freeze and use as needed. That way you'll always have good-quality fresh protein on hand and won't be tempted to eat more than your body wants. Likewise, buy fresh vegetables like mini carrots in small packages too. They'll stay fresh and make convenient "on-the-go" snacks. Read Labels Supermarket aisles are avenues to greater nutritional knowledge as the food label offers more complete, useful and accurate nutrition information than ever before. Become a fervent 'label reader' and scrutinize packaged foods, dressings and sauces before purchasing. Avoid The "Aisle Of Weakness" In all honesty, everyone has their "aisle of weakness"-be it the ice cream, cakes or sweet section. Do yourself a favour and avoid mouth watering temptation by steering completely clear of the entire area. And this "aisle" (or "aisles") is usually found in the centre! So, shop the perimeter of the store first, which is where you find the healthier foods. Tantalize & Excite Your Taste Buds Stimulate your palate and your recipes with the inspiration of fresh herbs like basil, ginger, lemongrass and cilantro. In addition, stock up on spices that can literally transform an ordinary meal into an exotic dish. Actively pursue variety. Expand your range of choices and explore new tastes, within and among food groups. Eating a wide variety of foods not only promotes optimal nutrition but also provides us with the 'pleasure factor'. Don't Feel Deprived Even though there are certain foods you'll want to avoid on your nutritional program, the supermarket is packed with a great variety of health-friendly food items. By choosing a variety of the foods you enjoy, and watching your portions, you need never feel deprived - no matter what foods you choose. Make moderation your goal, you decide how much and how often. Healthy eating doesn't mean feeling deprived or guilty. Final Check Before you check out, ask yourself (honestly!) if there is any item in your shopping cart that you could remove to better support your program. Put yourself and your optimal nutritional program before all else. When you shop healthily, it is a great contributor to the 'feel good factor'!! Additionally, consider clearing your cupboards and fridge of any foods that don't support your program. With only great-tasting nutritious foods around you can cook up a healthy storm and enjoy your meals & snacks to the fullest - and enjoy the pleasurable aspects of eating and... living!



Online Empower your shopping experience

Using bodybuilding supplements to build muscle mass

OK, first let's get something straight here... If you think that buying a shake or taking a few pills will all of a sudden make you huge, then you are mistaken. No supplement will help you if you are not training and dieting correctly -- they will just give you very expensive urine. All aspects of your program have to be in order for you to get the maximum benefit from sports nutrition supplements. From my experience, supplements enhance your program by: 1. Adding an element of convenience: Using food supplements like Meal Replacement Powders and whey protein help to eliminate the common problem of 'not enough time', by providing you with an quick efficient way to get your required nutrients each day. 2. Increasing strength and decreasing recovery time: Using vitamin and amino acid supplements help to minimize the negative side effects of weight training and speed your recovery. The Benefit of Convenience There are many 'old school' trainers and bodybuilders who profess the uselessness of supplements. They are constantly preaching that they don't work, and that you don't need them. Well, to tell you the truth they are correct, somewhat. Remember that not too long ago there were no supplements. Bodybuilders built huge physiques without meal replacement powders, creatine or prohormones. There was no such thing as exercise 'machines'. They used multi-jointed, compound free weight exercises that not only increased their muscular size, but also make them incredibly strong. So, if you look at that way it can be done and you don't need any supplements. However, the decision whether or not to use supplements should involve the consideration of other factors that may come into play when speaking of dieting today. The first of which is time. Many people today just do not have the time to live, eat and breathe food. Very few people like to cook, and even fewer cook on a regular basis. When was the last time that you actually had six meals that you actually cooked yourself? Many of those who are against dietary supplements continue to preach that you should get all the nutrients that you need from your diet. 'Eat a balanced diet and you will get all the nutrition you need'. Well, 100 years ago that may have been true, but today this type of advice is questionable. The fact is, most people's idea of a good meal is restaurant or (even worse) fast food. To ask someone to eat specific amounts of protein, fat and carbs seems like an impossible request considering that most people can't even get their minimum requirements of good fat or fiber. Experts will continue to spout 'eat a balanced diet,' while Americans feast on nutritionless fast food and sugar. Not only do our bodies have to deal with the ever-increasing external stresses of everyday life, they also have to combat nutrient-depleting, tissue damaging exercise. If I did not have the option to supplement my diet with whey protein, I probably would not have gained as much weight as I have. Now, I'm not saying that the whey protein is why I gained weight, but it did help me a great deal. I am usually very busy and I just don't have the time, nor the desire to eat six, planned whole food meals per day. Supplements like meal replacement powders and whey protein fill in this gap for me. I typically have three real food meals and three protein supplement meals -- that makes up my required six meals each day. When I'm away from home, or not able to get an adequate meal, my MRP is always right there when I need it. It gives me a quantifiable amount of protein so that I can keep track of my nutrient intake. In my opinion, this is much better than just grabbing something and then trying to guess at how much protein, fat or carbs you just ate. Getting in all of your required meals and nutrient amounts is crucial to your success. My mass diet requires a very high daily protein intake -- Over 300g per day. Just to give you example of how much that is, here are some examples of what 300g of protein is equal to: Tuna -- 50 oz of canned tuna (the average can is 6-8oz.), which is 1,750 calories and 25g of fat Chicken -- 38 oz of chx breast (equals about seven 6oz breasts), which is 1,313 calories and 38g of saturated fat Beef -- 43 oz of lean ground beef (about 2.7 pounds of meat), which is 3,214 calories and 215g of saturated fat Eggs -- 50 large whole eggs, equals 3,750 calories and 250g of saturated fat Egg whites -- 100 egg whites, equals 1,600 calories and almost no fat Pure whey protein -- 15 scoops of EAS Precision Protein, equals 1,500 calories 7.5g of saturated fat It is very possible to get this amount from eating whole foods only -- But it will take work. Also, as you can see from the above numbers, getting all of your protein from regular food will also bring a lot of unnecessary elements like extra saturated fat. Yes, our goal to gain mass is to eat a lot of calories (including fat), but your main fat intake should consist of unsaturated fats that are liquid at room temperature like olive oil, flaxseed oil, sunflower oil and safflower oil. Whey protein supplements will help to give you the extra protein without the fat. Increased Strength and Decreased Recovery In addition to a whey protein supplement, I recommend that everyone should be taking a multi-vitamin, plenty of vitamin C, and glutamine. Creatine can also be added if you are over 18. Multi-Vitamin Weight training increases the body's need for many minerals like magnesium and selenium. The multi-vitamin ensures that I am not deficient in any major essential vitamin or mineral. Deficiency symptoms include muscle weakness and suppression of the immune system, muscle cramping and fatigue. I always take a multi-vitamin without iron, because grown men do not need additional iron. We get enough from our food. Men and postmenopausal women should never take iron supplements unless they have iron-deficiency anemia, which is only diagnosed by blood tests. The body has no way to eliminate excess iron except through blood loss. Women who menstruate are protected from iron overload, obviously. Iron is also an oxidizing agent that can cause damage to the heart and arteries, and is a major risk factor in arteriosclerosis. Vitamin C Vitamin C essential to prevent free radical damage, which is accelerated after the heavy trauma of weight training. It is also essential is helping to repair connective tissue which helps decrease the amount of time you are sore. I train very heavy and extremely hard. When I train my legs, I am usually sore for about 5-6 days afterwards. If I do not supplement my diet with vitamin C, I would normally be sore for almost 10 days! So, it really helps me to recover and get back to training. I typically take around 3,000mg in divided doses. That would equal quite a few oranges! Glutamine Glutamine is an amino acid that is produced by our bodies, but most of the time our bodies demand so much, that it can't create enough. I supplement my diet with glutamine to increase my levels of glutathione. Glutathione is a powerful antioxidant, which helps to combat the stresses of exercise trauma, and prevent muscle protein breakdown. I especially believe that it helps prevent my body from breaking down my new muscle while I am asleep, so I never go to bed without taking it. I take about 15g per day (in divided doses), which would be impossible to get naturally. Creatine Monohydrate Creatine's purpose is to supply our muscle with energy. It is also found in red meat, but you would have to eat an enormous amount of meat to get the same benefits as taking pure creatine powder. Everyone knows about creatine so I will not go into it here, but I do want to say that the major benefit from taking creatine is that it will increase your strength. This will enable you to lift heavier weights, which will stimulate more muscle growth. Many people make a big fuss over the muscle volumizing effects of creatine, because if you stop taking it, you lose that extra fluid that creatine brings into your cells. So what! You certainly DO NOT lose the extra muscle creatine helped you to gain. I can honestly say that I could not have built the body I have today without the convenience and enhancements supplements provide. I simply don't have the time or desire to do it any other way. This is a choice that you must decide for yourself. You will be spending your money on these products, so make sure that you know their place in your program. Don't get caught up in product hype. Supplements will help, but they will NOT do the work for you.



Online Using bodybuilding supplements to build muscle mass

Most useful tips for balancing work and home

Most people understand how difficult it can be to balance their work and home lives once they get married and have children. Somehow it seems that work life or home life is always encroaching on the other and causing problems at work, at home, and many times both. However the following five tips are great options to help with balancing work and home. Make a Schedule The best thing to do when trying to balance work and home is to make a schedule. Know how much time you have and schedule your work time and your home time. Then, you will know when you need to schedule work and home events. This will make your life significantly easier and you will know which activities fit into which time frame. Just make sure you stick to your schedule. Share Responsibilities Many times work and home responsibilities can become overwhelming because one spouse is handling more of the responsibilities than the other. So, learn to share responsibilities at home and each spouse can be responsible for their work. Also, older children should have some home responsibilities as well to help parents balance work and home. Leave Work at Work Balancing home and work can be difficult because it is so easy to take work home. If you really want to balance work and home then you will always leave work at work and keep home a sacred place for family and home activities. Dedicate Weekends to Home Activities A great way to keep home and work separate is to always focus on home activities during weekends, or at least on days off from work if you happen to work on weekends. When certain days are home days and other days are work days then it makes balancing work and home considerably easier. Plan The best way to balance work and home is to always make a plan. There are tons of tips that will help you, but there is nothing like making a plan and then following the plan to really balance work and home. It might be difficult, but if you have it planned out and follow the plan you will be surprised how easy you can find a balance.



Online Most useful tips for balancing work and home

London builders sheer appeal of your shower part two

Silver or golden impeller wheel with plenty of fans penetrating small outlets is rotated under the pressure of water streams. As a result, they form zigzag spirals that, sliding and dancing, massage the body slightly, which is very pleasing and useful. It appeared as a part of multifunctional shower cubicle equipment; now it is available as a separate unit and can be installed on the wall or ceiling. Rotating shower heads look very original and besides its direct functions, it also serves as a decorative addition to bathroom furniture. It should certainly be complemented with a manual shower, as a rotating shower head rather serves for giving its owner a pleasure, than suites as a main washing system. Chandelier shower. Chandelier shower is really something exotic. Huge shower head mounted on the ceiling have become an integral part of modern first-class bathrooms. They resemble fantastic chandeliers.

Imagine, for example, such "chandelier" consisting of two sections, each having almost 11 inches diameter, installed into huge murano glass screen, sometimes coloured, with an impressive illumination. This is a spectacular construction. In combination with frameless glass it looks striking. Artifact shower. A number of shower heads have such unusual shape that it is difficult to describe them. We have even got used to thin cigar-shaped shower head, which has shorter diameter than a hosepipe, but artifact shower odd shapes are often impossible to describe or classify.

Stationary shower, shaped as complex unsteady connections located directly at the top of its body, which allow one to change a stream angle, is something truly innovative. Or some object consisting of seven autonomous small showers heads (a big central one and six rays), that connecting their jets together are capable of giving unforgettable pleasure. When looking at such objects for the first time, one can only guess, what their functions are. Their shape puzzles with the lack of objects to compare them with. The only way to be sure that this is really a shower you have to try it out yourself! While choosing a shower one should first concentrate on its functional benefits and reliability. Certain factors would determine which shower is right for your. Without going into technical details of a household hot and cold water pressure, there is a choice of the modern showers designed for your needs. Choose a shower that is compatible with your water supply system. It may be worth checking installation requirements to ensure the shower is coping with water system, or get it fitted by experienced plumber.

Because of different methods of delivering hot and cold water in the dwelling it is fundamental that you use the right product. Good mews is that having hot and sold supply you will find the best shower solution for bathroom. Nevertheless, design is important too: a shower is now a decoration element, not only a technical one. Constructions presented today are usually close to high-tech style, but there are also offers of other style showers: from modern to almost traditional English style. Professionals say there is a choice.



Online London builders sheer appeal of your shower part two

What is a domain name and why would i want one

In this article we will cover the basics of what a domain name is, how they work and why you need to have at least one. I am going to try and avoid complicated computer terms and stick to explanations that should be easily understood by someone without a computer science degree. What is a Domain Name? Before we can go into what a domain name is I'm going to tell you why we need them as the answers compliment each other. The Internet is just a really big collection of connected computers (a network). For the purpose of explaining domain names you can think of the Internet a bit like the phone system and just like the phone system every computer on the Internet has it's own phone number except an Internet phone number is called an IP addresses. This address is made up of up to 12 digits in the form 123.123.123.123, computers use these IP addresses to send information to each other over the Internet. When the Internet was first created it quickly became clear that these IP addresses were not easy to remember and another method was need to make these addresses more human friendly. The solution to this was the Domain Name System (DNS). Basically the DNS is a really really big phone book for computers.

When you type a web site address into your web browser it checks the DNS for that website name and finds the IP address. Once it has the IP address it can then send a message to that computer and ask it for the web page you wanted. Ok so you know a domain name is part of a web site address but which part? Lets look at a website address so we can identify and discuss what bit of it is a domain name. http:// itxcel. com/index. html The above address is the home page of the itXcel web site. It can be split into 3 main parts. The first part is http:// this just tells your web browser what kind of information it is going to get and how to get it. The last part is /index. html this is name of the files on the remote computer that you want your browser to get. The bit in the middle itxcel. com is a domain name. This is the name that your computer sends to the DNS to get back the IP address. So you know what a domain name is and that there is a phone book called the DNS to change your easy to remember domain name into an IP address that you computer can understand. The Internet phone book (DNS) is special in that everyone on the Internet needs to be able to use it. This makes the DNS very very big (100+ million addresses big). Due to the size of this phone book it needed to have a carefully organised and managed structure. Domain names themselves are split into different levels like a hierarchy. The DNS system uses this hierarchy to search the DNS for the IP address of the domain name it is trying to find. The last bit of a domain, in the previous example the com part is called the top level domain. There are a large selection of top level domains like com, net, org and info. There are also very similar endings called country level domains like uk and de. Each of the top level and country level domains are managed by a different organization, sometimes these are companies or non profit organizations and sometimes governments. In the domain business these organisations are referred to as the registries. Each registry looks after it's own part of the domain name system. If you decide you want to use a domain name in the top level domain com, like mycompany. com you would have to have this name assigned by the registry that manages that top level domain (for. com a US company called VeriSign). The process of being assigned a domain name is called domain registration. Domain registration is more like a lease than a purchase. You are renting the second level domain (the mycompany bit) from Verisign for a specific amount of time normally between 1 and 10 years at a time. Most of the organizations that allow you to register a second level domain charge a fee for each year that you register the domain for. With almost all domain names you are also given the option to renew your registration (lease) when it is close to running out (expiring). Once you have registered a second level domain you are free to create as many third level domains (sometimes called sub domains) as you like. In our previous example the www is a sub domain of itxcel. com Most of the registries that manage these top level domain names do not allow individuals or businesses to register domains directly with them. To register a domain you need to use a company like itXcel. We act as a registrar and send all the required information and the registration fee to the registry. Registrars are useful as they hide the differences that exist in each of the registries from the customer and provide a simple step by step process for registering a domain. A registrar also allows you to manage and track all your domains from one place rather than having to deal with a different company for each top level domain. OK so I know what a domain name is, Why do need one? Can you image what a nightmare it would be if you had an email address like myname@123.246.128.255 or a web site address http://123.246.128.255/. These addresses are possible but not very easy to remember. Now if you register a domain name you could create an email address like myname@mycompany. com and a web site address like http://mycompany. com These are much easier to remember and look 100 times more professional. One of the important points about registering a domain is that once done you have an exclusive right to use that domain for as long as you keep the domain registered in your name. If you do not renew a domain at the end of it's registration period it will again become available for registration by someone else. For this reason even if you don't want or need a web site at the moment, it's still a good idea to register a domain as soon as possible. Just imagine if your competition registered the domain name of your company or product. Although there is a process in place to retrieve these domain it can be long and complicated. It is definitely simpler to spend a little money up front to secure your chosen domain names. To find out what domains are available and to quickly and cheaply register them visit http:// itxcel. com now and enter your desired name in the domain search box.



Online What is a domain name and why would i want one

Titanium wedding rings wave of the future

Amongst all of the traditions we use in matrimonial ceremonies and celebrations, none is more familiar or meaningful than the wedding ring. The time honored tradition of couples wearing bands to signify their unyielding love and devotion for one another goes back perhaps farther than recorded history. In modern tradition, the wedding ring is typically a band of 18 karat gold, but that tradition has changed in recent years. Today there are many more designs in wedding rings available than there were even as recently as when your parents were married. The traditional plain gold bands are still available, of course, but so are more intricate and ornate designs, as well as bands made of white gold, platinum, and a popular new choice: titanium.

In fact, titanium wedding rings are getting more and more popular and there are several reasons for this phenomenon. Most certainly a part of the reason for the steady increase in the use of titanium wedding rings is the price. Titanium wedding rings cost considerably less than gold or platinum rings but are every bit as beautiful. A titanium wedding ring can cost hundreds of dollars less than comparable rings made of the other precious metals. This is an important consideration for many couples who, due to budgetary limitations, may have had to buy the poorest quality gold rings or do without wedding rings entirely.

Titanium rings are a good choice for the budget conscious. Titanium wedding rings are also more durable than the traditional gold rings. Titanium becomes scratched less easily than gold and can stand up to more of the wear and tear that can result from a person wearing the ring all the time. This is especially true of the men’s rings as men tend to be much harder on their wedding rings than women are. Titanium is more resistive to heat and cold and extreme pressure than gold or platinum are. Think about it. Titanium is used in the space shuttle. It is an alloy that can take a beating. Titanium is a very smooth alloy as well. Due to this, titanium wedding rings tend to be very comfortable and there is less chance of skin irritation. Also, there are some people who, due to an allergic reaction, can not wear gold jewelry at all. In the past the only option for them has been the far more costly platinum rings.

Now titanium wedding rings are a viable alternative for these people. When it comes time for you to choose wedding rings for yourself and your intended spouse, you may want to look into titanium. Many jewelers as well as online marketers carry an impressive array of titanium wedding rings that are every bit as lovely as their more traditional gold, white gold, and platinum counterparts. In an aspect of life that is full of tradition and similarity all through history, it’s nice that there are now more choices available. Titanium wedding rings are now just one more of those choices that may be right for you.



Online Titanium wedding rings wave of the future