How to find after school activities 214

How to find after school activities Start off by making enquiries. Nothing can beat the power of information. Approach the school authorities first. Find out if they are offering any after school activities. Get a list of the various classes that are available in your school. In case the school does not provide any extracurricular activities for the child, approach your neighbors. Collect information about any after school programs, the quality of the courses taught and the timings etc. Also, check out some of the community resources. These may include places of worship, community centers, Museums, libraries, the YMCA, The Boys and Girls Club etc. After you have colleted all the necessary information, discuss the various options with your child. Find out what his interests are. The best way to find out what is most suitable is to ask your child. When little children are too small, you cannot completely rely on their feedback. In this case, monitor the development of the child on a regular basis. If the child shows excessive resistance to an activity, it may be necessary to look for other options. Always consider your family's schedule when planning the extracurricular activities. If it is difficult for you to chauffeur your child, you may want to employ tutors at home or conduct some activity at home itself. (word count 214)



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How to raise a kid with asthma part 2

Here’s the continuation of the article captioned above. I had mentioned changing the child’s (and the family’s diet for that matter) as THE foundation for a natural asthma treatment. Obviously, I presented a vegetarian diet in the first part and I am aware that as a parent you might ask: “where will my GROWING child get protein from?” There are more than sufficient amounts of proteins in Fruits and Vegetables and documented information on the exact needs for protein according to Dr. Stanley Burrough's is actually about a nickel's weight worth per-day. Now the whole protein propaganda is another subject into itself, but for growing kids, one should be more concerned about them getting adequate vitamins and minerals. Thankfully, these are more than abundant in fruits and vegetables and namely the Banana, Dates, Avocadoes, Olives, Cabbage, Lettuce, Durian, Young Coconuts and even the Apple give more than enough protein for growing kids and even you. Here are some other quick factors to consider and hopefully put you at ease: 1. It’s been scientifically proven that mother's milk is about 2% protein, now if this is the ideal of a growing baby for the first 3 years; of course it shows the minimal need of it. 2. 98% of the human population is sweet toothed...which shows that carbohydrates are our main need contrary to popular belief. 3. Based on the John Robbins work titled: Diet for a New America, the number of people in the US suffering from diseases caused by protein excess is a mind-boggling 40, 000, 000 compared to a measly 3 people suffering from the deficiency of this substance. In the belief that the subject of diet has been adequately covered, I will mention some other factors that could help in raising a kid with asthma. To restore physical fitness for the child, you could introduce him to mild exercises such as Yoga. Most local YMCA and YWCA branches have classes designed specifically for kids or you could look into Yoga studios that offer them. As an alternative, you could go to your favorite such engine and type up ‘Sun Salutations”. They are the core of yoga and trust me when I tell you the execution of them is fun and you will reap Yoga’s benefits for asthma and overall fitness by doing these simple exercises. Oh, and kids love them. I’ve read in India where they originated, they actually hold competitions to see who can do the most. For you as a parent, if interested, Yoga of course can come in handy for you for basic stress relief and of course as a choice for exercise. When your child’s fitness has improved, you may gradually at your discretion re-introduce other forms of exercise. But of course, they love to play so that shouldn’t be a problem. Other simple steps to curb the effect of Asthma in your kid’s life are to: 1. Avoid excessive temperature changes. 2. Ensure dust mites are reduced as much as possible in your home 3. Use a humidifier in the cold seasons. 4. Keep fresh air circulating as much as possible in the home. It is my hope that these steps may come in handy in restoring your child’s respiratory health. Of course your own parental discretion is advised in regards to these suggestions. But hopefully they would come in handy in helping you raise a kid with asthma.



Online How to raise a kid with asthma part 2

Baby names

Okay, you only get to do this once so let’s get it right. Remember that it’s not about you! Your little boy or girl is going to have to live with this name for the rest of their life. If they change it on their 18th birthday, you probably did a bad job of naming your baby. In this article, I’m going to take you on a tour of the Internet as I look for baby names. I’ll be your guide, so sit back and relax. I know what I’m doing here. Trust me. Before we start, though, no drinking on this tour. It results in baby names like Justin Case, Sandy Castles, Paige Turner, Rusty Hook, Shaunda Lear, Candy Kaine, or others just as bad. As a matter of fact let’s start out by searching for what not to name your baby. So, you want to be original. Great. Remember, your kid’s gonna be mad when he or she finds out there were much better choices! Ok, that’s not bad enough? Well there are websites that make fun of bad baby name choices too. Some quotes from websites about people’s baby name choices. These are actual questions posted on the Internet about naming babies; I love this one “I once met a lady named Rodana. I think she runs a successful Internet business.” In her spare time she destroys Tokyo. And this one too. “I've suggested to my sister that she name her little girl to be - Manchester. She's not sure about it but she's considering. What do you think?” “Clever. Like being named Pittsburg or Schenectady. Kid'll grow up to be beaten to death by Liverpool fans.” “We'd kind of like something that sounds good with Mikayla (our 3-year-old).” “Dear God, they're tailoring them into box sets!” “What about the name skylar or raven?” “Thanks, 14-year-old-Goth-girl!” “What about Bubba for a boy. a great unusual name “ “Since when did your Ozark shack get Internet access?” “Do you like the name Alexia? I think it’s exotic and all 3 of my other girl’s names begin with an A too.” "Though Alexia sounds like a pretty name for a girl... alexia is actually an inability to read, caused by brain damage." “So maybe she should another A name. Something pretty, like Amnesia.” “I am not pregnant yet but thinking about names...I just thought of the name Lourdes Solange. This baby will be 75% latina and 15% european :)“ “...and 10% polyester” ...and finally “Anyone ever thought about Sierra Joy? I love the name, but husband is less than thrilled with it.” “But he'll love the pine-fresh scent!” And for all the geeks, nerds, and Internet junkies out there, yes, the Internet and your computer can conspire to name your baby for you! Try this one for unique baby names. http:// babyzone. com/babynames/nameinventor. asp I just love the categories, “baby boy names”, “baby girl names”, and “baby boy or girl names” for those parents who want to name the baby before it’s born and before they know what sex the baby will be. That website makes up names each time you click the links. Okay, this website doesn’t exactly prove that technology is an actual improvement to our lives, but wait! There’s more! This one claims to have 11,000 names from origins all around the world so you'll surely find exactly what you're looking for. http:// babynamesworld. com/names1/name-generator. html This one is a little better at names that reflect different cultures. http:// baby-name-generator. com/Names. html But Teutonic names? Are there still people who claim the nationality “Teuton”? Okay, now, let’s try to get serious about naming that baby. Now this article gives good, sensible advice about choosing baby names. http:// babyport. info/776.php and if you are still intent on being unique, read this first, http:// babyport. info/59689.php If you are gonna have twins, not that I advise it, here is another good article about naming your baby twins. http:// babyport. info/3647.php I hope this little tour has helped you with naming your baby and that you have enjoyed the trip. Please look around and make sure you have all of your luggage and babies with you as you leave. Good luck on naming your baby!



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What to consider when coming up with a franchise idea

So many people think that by getting into the franchise business, they are setting themselves up for an easy way to make money, with a safety net under them the whole time. The only real advantage is that you are buying into a business model that works with the help of a company’s marketing and sales abilities. But just as with starting a company from scratch, one must have a plan and a model to come up with and follow in order to get the money one will need to start the franchise. Naturally, one of the first things to consider is if the idea you are considering is legal or ethical? With the internet being as big as it is, there are many scams that are out there.

Most of which come to you through an email. A good rule of thumb is if it sounds too good to be true, it probably is. If you see the phrase “work from home” run the other way, it is most likely a scam. If you see an idea and you like it, find out first if others have made the idea succeed. Contact them and talk with them at length. Also, contact the franchise company and ask to see their financial reports. They should always let you see them.

Find out if they make a profit on a regular basis. But most importantly, are you going to work hard to make the franchise idea work? A great deal of hard work and planning can go into a franchise business. You can lose just as much with a franchise idea as you can in any small business. So making and following a budget is extremely important. Most franchise companies will let you know what kind of revenue you can expect to make each year. Budget below that amount.

And don’t worry about what kind of experience you’ve had in the franchise’s area. They provide training.



Online What to consider when coming up with a franchise idea

Insurance glossary of terms

Assured - Those insured under the terms of an insurance policy. Benefit - The money paid to the policyholder when a claim is made. Bid Price - The selling price or cash-in value of your unit holdings. Bonus - Relates to a with-profits policy. The amount of money added to the benefit payable under the policy. The amount is dependent upon the profits made by the insurance company. Added bonuses cannot be taken away. Convertible Term Assurance - A term insurance policy which gives you the option to convert your current policy to a whole-life or endowment insurance policy, without having to take further medical examinations. Critical Illness Insurance - A policy that pays out a lump sum on the diagnosis of life threatening illnesses indicated in the terms of the plan.

Decreasing Term - A form of term life insurance where the death benefit decreases each year as per your policy. Premiums remain level. This type of certificate is frequently sold as mortgage insurance. There is no surrender value for this policy.

Endowment Insurance - An insurance policy that pays a stated amount at the end of a specified period or upon the death of the insured if it occurs within that period. Family Income Benefit - Term assurance which pays money to the life assured’s dependants for a set period, rather than paying a lump sum. Guaranteed Bond - A bond in which principal and interest are guaranteed by an entity other than the issuer. Guaranteed Bonds can be income or growth. Increasing Term - The cover and the amount you pay into the policy are increased by a specific percentage each year calculated on the original sum insured. Designed as a way to increase your life cover as your earnings increase. Investment Bond - Combines investment with some life cover. The payments you make into an insurance policy or investment bond, usually a lump sum, are invested in the insurance company's with-profits or unit-linked funds (Life Funds). Different types of bonds include the guaranteed bond and unit-linked single premium bond. Not to be confused with a company or government bond, an investment that offers a fixed rate of interest and an area where your chosen Life Funds may be invested. Life Fund - This usually refers to Unit linked Investment Funds. These are funds run by Life Assurance or Pension Companies. Such funds are used for individuals holding life assurance policies to invest in. The assets held within the fund are divided into a number of units. When an investor contributes to a Life Fund, units are allocated to investors in proportion to their investment. Maturity - An agreed date when an endowment policy ends and the proceeds, including any bonuses, are payable. Mutual - A life insurance company that is owned by its with-profits policyholders. Offer Price - The price at which fund units are bought. Premium - The amount of money paid into an insurance policy. Proprietary - A life insurance company that issues its profits to its shareholders. Qualifying Policy - A life assurance based savings plan that has to be written for a minimum of 10 years and must fulfil certain qualifying policy criteria to ensure the final payout is tax free. Renewable Term - Term Insurance that may be renewed for another term without evidence of insurability. Single Premium Policy - Where a single lump sum is paid for an insurance policy. Sum Insured - The amount of money that is guaranteed to be paid under an insurance policy, before any bonuses are added. Surrender Value - Not applicable to all life insurance policies. The amount that an insurance policyholder is entitled to receive when he or she discontinues coverage Term Insurance - Provides policyholder with protection only. Life insurance payable to a beneficiary only when an insured dies within a specified number of years (the term). If you live beyond the term you do not receive any payment. This is thought to be the cheapest type of insurance. Terminal Bonus - This is an extra bonus determined when a death or maturity claim is paid. Terminal bonus is often only paid if the policy has been in-force for a minimum number of years at claim time. The amount is dependent upon the profits made by the insurance company. Unitised With Profits Fund - Also known as a Unit-Linked With Profits Fund. A type of Life Fund that can invest in UK and overseas shares, property, fixed interest securities and cash. When you invest in this fund through an insurance policy, you buy 'units'. When an annual bonus is declared, you can either receive more units or it is added to the unit price on a daily basis. Due to the addition of bonuses the unit price does not reflect the value of the underlying investments. Unit-Linked - Also called Unitised. If your insurance policy is unit-linked, some of your money is used to purchase 'units' in a fund. The value of your policy at maturity is dependent upon the growth of the fund in which the policy is invested. Generally refers to policies that offer protection and saving such as endowment insurance, whole life insurance and investment bonds. Unit-Linked Single Premium Bond - A single lump sum life insurance policy where your investment is spread over a number of Life Funds. Whole Life Insurance - Whole life insurance provides a death benefit for the policyholder as it builds up cash value. The policy remains in force for the lifetime of the insured, as long as premiums are paid according to the policy agreement. You can choose insurance that pays out on death a guaranteed sum only, the sum plus any bonuses that have been added, or the sum plus any additional value from the growth of the funds invested in. Without Profits - When a policy reaches maturity or the policyholder dies, the amount paid out is the basic guaranteed sum only. You would not be entitled to any bonuses. With Profits - Relates to insurance policies that combine investment with protection. This type of policy is entitled to a share of the profits made by the insurance company. Premiums are invested in the with profit fund, reversionary bonuses are applied usually on an annual basis which reflect the investment growth of the fund assets. On death and/or maturity a further terminal bonus might be applied to the fund value. With Profits Bond - An insurance policy where your lump sum is in most cases invested in a Unitised With Profits Fund (which is listed under the Life Funds section).



Online Insurance glossary of terms

Free online games they are for all age groups

Online games are gaining in popularity exponentially. It is one of the fastest growing segment on the Internet. Though there is no free lunch in life. It seems that free online games are a free lunch. Some of us have a impression that such games are for the teenagers. You will hear many parents talking about the countless hours their children spend playing games online. I wonder why the parents do not join them? Let me explain. We are all looking for fun and entertainment.

Many times the television offers nothing new or you might have got bored watching television and would like to do something else. You do not want to go out and meet friends nor are in any mood for a dinner outside. you want to laze around the house and do something entertaining if possible. Online games are the answer for every age group. Online games have been wrongly assumed to be for young people. All age groups can enjoy them. What if parents join their children in online games? They would surely make them come closer.

Why complain about how much the children are playing? Join them in the fun. They would love it. You would love that. And you can also control the types of games they play and the hours spent. Online games are fun. They increase strategic thinking. They improve our responses. They help sharpen our thinking.

The games help in many ways. Try them and you will agree with what I say. You would wonder why you never played them before.



Online Free online games they are for all age groups

The voip telephone services revolution

Ever since the birth of the internet, entrepreneurs with an eye to the future have predicted that voice communications -- telephone services -- would eventually be merged with internet services. With the widespread adoption of VoIP, that day has come, and it is causing a revolution in the telephone industry. In simple terms, a VoIP service allows you to use your broadband (high-speed) connection to place telephone calls over the Internet. It is not difficult to see how this is rocking the telecom industry to the core. **It's all about cost** Two things have made traditional telephone service providers like AT&T and Bell so powerful. Their monopoly over local telephone services, and their traditional stranglehold on lucrative and usually over-priced "long distance" services. Both of these captive markets have been seriously eroded over the last few years, as the reality of VoIP has started to sink in. In anticipation of the revolution that is now upon us, most aspects of telephone service have gradually been opened up to competition. Most of us now have a choice of providers for both local and long distance telephone service. And the biggest reason for the new competitive environment is the recognition that the widespread adoption of VoIP is inevitable. **The development of VoIP** VoIP has been developing slowly over the last ten years or so. Early implementations allowed computer users to talk to each other through their computers. This was only feasible if you had a voice-enabled computer, a reliable and stable internet connection, and a software program installed on your computer that made it all work. The advantage of this computer-to-computer communication was that you could completely bypass the traditional telephone system and talk to anyone in the world free of charge -- as long as they had a similar setup to yours. But the disadvantages of communicating this way were also obvious. You could only communicate this way using your computer. You were completely dependent on often unstable dial-up internet connections. And the person at the other end of the conversation had to also be "online" with a voice-enabled computer. **Today's VoIP has solved these problems** Today's versions of VoIP have left these problems in the past. Two things were required to make VoIP technology feasible on a large scale basis, and both of these things have now been realized. First, broadband internet service has been widely adopted. This makes it possible to have stable internet connections that are "always on". Second, the industry has developed a simple, inexpensive method of integrating the IP network (the internet) with the traditional telephone system. This allows a user of VoIP to use his or her own telephone to call anyone else in the world who has a traditional telephone connection. This is where we are today. As traditional telecom companies like AT&T, Bell, Qwest, and SBC develop their own implementations of VoIP technology the way has been opened up for a myriad of choices for consumers. Today's VoIP allows anyone with a broadband internet connection to place calls to anyone with an ordinary telephone connection, anywhere in the world. **Why you save money with VoIP** The major advantages of VoIP are lower cost, and greater flexibility with no significant decrease in voice quality. First, a VoIP subscriber does not need a traditional phone line. Instead, you are assigned a phone number by your VoIP provider. Prices for these numbers can be as low as $9 usd per month. Second, most VoIP subscribers will purchase a "bundle" of services that includes unlimited incoming calls and unlimited long distance calls to anyone within a defined geographic area. For instance, VoIP unlimited calling plans to anyone in the USA or Canada start at around $20 per month. Third, most VoIP service providers offer free bundled features that most traditional telephone companies charge for. These include free voicemail, call forwarding, caller ID, call waiting, call waiting ID, 3 way calling, speed dialing, and many more of the services that the traditional companies are constantly trying to sell you. **Greater flexibility and portability** Another significant advantage is the flexibility and portability of VoIP phone service. With VoIP your personal telephone number is programmed into the converter that acts as a bridge between your internet connection and your regular telephone. This has several important advantages. As already mentioned you do not need an actual land line. Instead your telephone number is assigned to your converter (not to your geographic land line). So you can take your converter with you anywhere in the world, plug it into any available broadband connection, and immediately start using your regular number to make and receive calls. This flexibility also lets you choose a number in an area code where most of your long distance calls originate. For instance, if many of your friends, family, business associates or customers are calling from a specific city that traditionally involved a long distance call for them, you could choose a number in that area code and immediately turn all their calls to you into local (free) calls for them. The advantages of VoIP are many, and the savings can be very significant. So it is no wonder that VoIP has become the hottest telecom technology of the decade. Informed consumers and businesses around the world are adopting this technology at a phenomenal rate.



Online The voip telephone services revolution

4 necessary steps you should take when you are online

When you connect to the internet you can harm your PC. That is a fact. The reason antivirus software and other similar products where created is to protect your PC. It is not your fault that you got viruses, however you should take the precaution methods to stop this from happening again. Keep PC Clean: It is important that your PC stays clean if you use the internet. Clean from the 'bad, harmful objects' that are also known as spy ware, adware or viruses. There are many different types of harmful objects but luckily there exist also cure to keep your PC protected. A must use Software: The two most important software you must have are an antivirus and an anti adware. There is no need to purchase 30 different kinds of anti spy ware software... However you must choose two software which will protect your PC. These will work in the background automatically. Some anti adware products also heal spy ware not just adware. Schedule Maintenance: The software will block spy ware and adware. However you should also use the software when you are offline. You should scan your PC using both software at least once every three weeks. That will clean any harmful objects. These objects can make a lot of harm to your PC. Safety Measurements: We already mentioned that you need two software to keep ongoing protection on your PC. If you download software/movies/images/videos or any other thing from the internet it is recommended that you scan those items. Before opening them right click on them and use your antivirus to scan them. Go to Control Panel to turn on Firewall. Firewall is also an ongoing protection which is very important. Once you have your software installed these protect your PC and you get back the freedom you deserve. Remember that prevention is better than cure.



Online 4 necessary steps you should take when you are online

It emergencies be prepared

You want to be prepared for IT emergencies with checklists, the ability to access online resources, telephone support lines, and tool kits ready to go. Begin with matching your abilities to their basic needs. Find out what kind of hardware your customer has, what the operating system is, what applications are involved, and how is it impacting their business operationally and financially. Failure to assess the situation before you are on-site can quickly get you into quicksand. Make sure that your clients' most probable IT emergencies are things that you think you can fix... or things for which you can provide a quick workaround. IT Emergencies: Can You Fix It? For example, if they have a major problem with Linux and you don't have that kind of experience, emergencies and cleanups are NOT the place to start the learning curve. The more the problem impacts the company, the better the opportunity, IF you are prepared for it. At the same remember it is not possible to know everything. Preparing Your Company for IT Emergencies With a new client, there's a good chance that even if their hardware and their operating system, are familiar, that they may be using an oddball hub, switch, or router. If it is going to cost you more to learn how to fix this sort of item, it is better for you and the customer to replace it with something that you are comfortable supporting. You can get the customer up and running faster and you are building a common installed base, "cookie-cutter"-style, to make any future support burden easier. In this respect, it is simply the same approach you are working toward with your regular clients. You can provide better service in less time when you focus on one type of server, one backup software program, and one anti-virus solution... than having to keep up with all the upgrades and renewals, or replacements for a broad range of quickly changing products. Remember that in the customer's eyes, if you can handle taking care of the emergency priorities through triage and cleanup, they are going to be EXTREMELY receptive to anything else that you recommend. The Bottom Line on IT Emergencies IT emergencies are great opportunities for you to strengthen your long-term client relationships. Done right, you'll build incredible client loyalty. However, IT emergencies done wrong will just about ensure that you lose the client. Use the IT emergencies tips in this article to be better prepared. Copyright MMI-MMVI, Computer Consulting 101. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}



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Cruise ship activities for children under twelve

Cruise Ship Activities for Children under Twelve Each year, a large number of individuals make the decision to take a cruise. Cruise ships are a great location to have your next vacation. If given the opportunity, many parents would choose to take a cruise alone. This isn’t because of a lack of love, but because of a common misconception among parents and cruise ships. Many individuals, including parents, believe that cruise ships are not designed for children, but that is simply not true. If you are the parent of a child under the age of twelve, you may be wondering whether or not they should accompany you on your next cruise. If you are able to financially afford an additional ticket, you are encouraged to consider bring your child along. Not only will a cruise be memorable to your child, but it will be exciting. That is because a large number of cruise lines have tailored their cruise ships to children of all ages, including those under the age of twelve. If you have yet to book your cruise ship reservations, you are encouraged to keep cruise ship activities in mind. The activities for children, under the age of twelve, will vary from ship to ship. That is why it is important that you examine each ship before making a final decision. Despite the fact that activities will vary from ship to ship, there are many activities geared towards children, under the age of twelve, which can be found on almost all cruise ships. One of the many popular activities found aboard a cruise ship is a gaming. Arcade rooms are common on most cruise ships. They offer children, under the age of twelve, a safe place to have fun and be a child. Many cruise ship arcade rooms are staffed with cruise ship employees, but this should not deter you from keeping an eye on your child. When leaving them alone in an arcade room, you are encouraged to use your best judgment. Another fun activity for children, under the age of twelve, includes swimming. All vacation cruise ships are equipped with a swimming pool. In addition to an adult sized swimming pool, wading pools can often be found aboard a number of popular family themed cruises. As with the arcade room, you are encouraged to use your best judgment when allowing your children to swim unattended. Lifeguards will be on duty; however, they cannot always guarantee the safety of your child. In addition to a swimming pool and an arcade room, most cruise ships have an onboard movie theater or a performance stage. A large number of cruise lines offer family friendly movies, plays, and other performances. Children, under the age of twelve, may find these performances and movie showings fun and exciting. To determine if movie showing and performances are targeted to those under twelve, you are encouraged to check a cruise ship’s itinerary. A ship’s itinerary can be viewed with or without previously booked reservations. Cruise ship restaurants and other dining facilities are likely to cater to children, under the age of twelve. Many restaurants offer children’s menus. These menus are likely to include tasty, but kid sized meals. The cost of your kid’s meals will vary from ship to ship; however, many cruise ships offer discounts on meals for children under the age of twelve. Cruise ship childcare centers are facilities that benefit both parents and their children. While on a family vacation, even you need a break. For free or a small fee, you should be able to leave your children in the care of a trained and experienced childcare worker. Since a cruise ship is likely to have passengers of all different ages, many childcare facilities are grouped together by ages. As with most other services, you will find that a cruise ship’s childcare policy may vary form another’s. The above mentioned activities, services, and facilities are just a few of the many that are targeted to children, aged twelve and under. If you are satisfied with the above mentioned services, facilities, and activities, you may want to consider scheduling your next family vacation aboard a cruise ship. Word Count 688



Online Cruise ship activities for children under twelve

Feel the excitement through free singles club

Hi all. My name is Jack. I am in my final year in University. Am really excited as soon I will be a graduate and will start working . I am single. In fact i always like being single and be in myself. That’s the reason i spent the last 3 years of my university life trying to avoid girls. Believe me life is quite exciting and adventurous if you are single and free. I always had a secrete desire to travel and visit many places, but never got the opportunity to do that. But now i have decided to travel across North America for a year before I settle down and commit to a full time job. I plan to start from my city and work my way up to New York, then cut straight across and get into California But traveling alone can be quite boring. So may be I will just look for some other singles to join me on my expedition.

In fact I have heard a lot about the free singles in California and I am really looking forward to meet a few on my way. But I am a bit skeptical about the expenses. I’m only bringing 800$ per year from the part time job which I feel is not enough. So I need to do odd jobs here and there to increase the earning. May be it sounds like a stupid plan, but I know it’s gonna work, it has to as i want to travel and see different parts of the world. So wish me luck guys, on my expedition that I would soon begin.



Online Feel the excitement through free singles club

Becoming debt free requires desire

You want to escape from your debts, right? But before you make a start, let me remind you that it won’t be easy. In fact, it could be one of the hardest things that you’ll ever do in your life. Don’t be under any illusions about this. Enormous self-discipline is required from you. The more you owe, the harder this will be, and the longer it will take.

You must genuinely desire to become completely and utterly debt free. Achieving such a difficult task is only possible if you’re 100% committed to it. Clearing your debts is an all or nothing decision. Ninety-nine percent is no good! If you’re at the stage where you’d ‘like’ to pay off all your debts, I can tell you now that you won’t get very far. That’s nothing more than a vague pipedream that ranks up there with ‘I’d like to go to the moon’. Make a promise to yourself to repay your debts as soon as possible.

Get the bit between your teeth and keep plugging away at it until you’re completely and utterly DEBT FREE! Then vow never to borrow ever again! Feed your desire to become debt free Remind yourself how hacked off you are that you could have allowed yourself to get into such a mess. If you aren’t annoyed by the very existence of your debts, then I suggest you do whatever it takes to become that way, because: 1) If you still passively accept the fact that you’re in debt, you won’t have the motivation to get the job started and see it through to completion. 2) If you think that your debts ‘aren’t too bad’ you won’t have the willpower to keep chipping away at them when times get tough, and 3) If you still believe that debts are inevitable, then you’ll never be debt free. That, I can virtually guarantee! You must be ready to do whatever it takes for as long as it takes. And once you’ve started, you must be prepared to keep going until you owe nothing. It could take months or even years. But that shouldn’t matter, because your sole focus should be on the day when you become free of debt. There’s little point in trying hard for three weeks and then blowing all the extra money that you’ve saved to reduce your debts, on some ‘treat’ that you ‘deserve’. Everything that you put towards reducing the size of your debt makes a difference. It should be enough of a treat to know that your total debt is becoming smaller with every day that passes and that you’re moving nearer to freedom from debt. So, are you ready to beat your debts to death with every bit of money that comes into your possession over the weeks, months and even years that follow? Desire and grim determination. Nothing less will do! by Stuart Laing Copyright (c) Get Out Of Debt



Online Becoming debt free requires desire

Top 5 internet online auction sites

Best Online Auction Sites If you want to buy or sell products on auction sites, it makes sense to look for best sites. You might be interested in narrowing it down to the top 5 internet online auction sites. This gives you a good start without being overwhelming. When you look for the top 5 internet online auction sites, you will find that different sources will give you different answers. What remains the same is that eBay is consistently on top of the list. If you are looking for a site that almost everybody has heard of, try eBay. EBay offers a lot of useful information to the buyer and the seller. The success of the seller adds to the success of eBay, so they give the seller a number of tools to help them get a good price. Yahoo! auctions ranks is another site that is consisently in the list of top 5 internet online auction sites. Amazon. com auctions, UBid. com, and bida-lot. com are also highly rated for sellers. While it's important to sell at a site where there are a large number of buyers, remember that competition is also much tougher at sites like eBay. Check out the sites to make sure there is a market for what you are selling, then consider the competition for your product. While eBay may seem to sell anything, it doesn't mean that everybody who lists an item there sells it or gets the price they want. Check out the top 5 internet auction sites. Narrow it down to auctions that have a market for what you're selling. Find the site that works best for you, and make some money with auctions.



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Checklist for buying a home

I had a client who called saying that his bath tub just fallen through the floor in his new home (new to him). Mold had eaten away the floor from the crawlspace up. The seller had placed a few 4x4s under the floor to hold everything up long enough to sell the house and get out of town. I asked if he had the house inspected before he bought it. He said, “no, was that important?” Even if you do get a home inspector, look for these things yourself. Some home inspectors don't look for these items. Some never go into the house. Mold test The number one problem faced by new homeowners is mold. You read about it in the news. Every week I get a call from an attorney gathering info for a lawsuit against a home seller and their real estate agent. The topic is always mold. You can get inexpensive mold test kits at http:// tennesseemold. com Gutters The number one cause of mold in a home is improperly installed or damaged gutters. They allow water to pour into the walls. And water causes damaging mold to develop inside the walls. Make sure the gutters are level and aren't bent. Mud on walls This goes back to gutters. If the gutters are undersized, excess water pours over the edges of the gutters and onto the ground. This splashes mud against the outside walls. BUT the excess water also seeps into the foundation of the house. Plants too close The new owner, of course, can correct this, but did the previous owner allow the plants to trap moisture in the walls? The damage from this moisture may already be there waiting with costly repairs. There should be at least 18 inches between the plants and the outside walls. Foundation vents These vents are designed to let air flow through crawlspaces. This house may not have a crawlspace. But if it does, check the vents. Do they open and close? Some builders slop concrete on them and they are permanently open or closed. Potential mold and wood rot problems can result. Sump pump? A sump pump is there to remove water from your basement. If there is a sump pump, then there has been excess water in the past. To work, a sump pump needs some water in it anyway. This standing water can lead to mold and termites. Avoid houses with sump pumps. Yard drainage Does the yard allow water to flow into the house? Blown in insulation Most blown in insulation is cellulose or ground up mold food (wood). Yes that deadly chemical they put in it will stop mold for a few years but not forever. And even the cellulose free insulation sends particles into the air that we can breathe. This is a major problem according to lung surgeons. Do attic vents work? Is the attic hot? Just because the attic has vents doesn't mean they work. Motors rust or burn a fuse. Crusty stuff on basement walls If you see crusty white stuff on the block in the basement, it means long-term water problems. That white stuff is minerals deposited over time by drying moisture. RUN away FAST! Water spots on ceiling. These always hold mold. You only have 48 hours after a leak before mold begins to grow. After that drying won't help. By all means, hire a home inspector. Don't use a home inspector recommended by the seller or their agent. If an inspector says something bad about a house, they don't get future referrals from the agent. And make sure the inspector goes INSIDE the house. Sounds stupid but I have been in lawsuits where the inspector did all his work from the yard or even worse, from his car.



Online Checklist for buying a home

Where can you buy the dinar safely

There are a lot of places where you can buy the Iraqi dinar. It will be a half year dayjob to test them all! So where can I buy the dinar safely? Look for the companies that are involved in more than only selling the new Iraqi dinar. They do not want to destroy their good names by selling counterfit notes or just do not send you anything at all. These companies are better to get in touch with and you can check them out more easily on the search engines. Do not buy at sites where there is no contact information! Always try to email the company first so the least you know is that their customer support is fine. Also try to find out more about the company by doing an IP check. You can fine a lot of sites offering this for free. If it is a hidden id and no info can be given about the domain just leave. When they are hiding means they do not really believe in this opportunity and are just resellers for the quick buck. Why would they otherwise hide? What I can say is that when something is 'hot' you always get fraudland people attracted. There are already scam reports regarding this. People who do not receive anything at all or just copied paper! As soon as you receive your dinars find out what the security marks are (do a search on google!) and check it out. Also look at the prices. It should be somewhere around $100 for 100,000 dinars. When the price is a lot less alarm bells should ring. When it is a lot more look for a better place. I have seen prices on the net ranging from $50 to $200 for the same pack of dinars. Just do not jump onto this, get educated! For the rest I recommend that you use the documentation on my site. The links, ads and articles are there for you, to assist you in your due diligence. The best to you and keep away from the scammers!



Online Where can you buy the dinar safely

A checklist for stress

Stress is a natural part of life. It can be both physical and mental and much of it can come from everyday pressures. Everyone handles stress differently, some better than others. Left unchecked, however, stress can cause physical, emotional, and behavioral disorders which can affect your health, vitality, and peace-of-mind, as well as personal and professional relationships. Here is a checklist of negative reactions to stress and tension: • Do minor problems and disappointments upset you excessively? • Do the small pleasures of life fail to satisfy you? • Are you unable to stop thinking of your worries? • Do you feel inadequate or suffer from self-doubt? • Are you constantly tired? • Do you experience flashes of anger over a minor problem? • Have you noticed a change in sleeping or eating patterns? • Do you suffer from chronic pain, headaches, or back aches? If you answered "yes" to most of these questions, consider the following suggestions for reducing or controlling stress: • Be realistic. If you feel overwhelmed by some activities, learn to say NO! • Shed the "superman/woman" urge. No one is perfect, so don't expect perfection from yourself or others. • Meditate for ten to twenty minutes. • Visualize how you can manage a stressful situation more successfully. • Take one thing at a time. Prioritize your tasks and focus on one at a time. • Exercise regularly. • Take on a hobby that will give you a break from your worries. • Live a healthy lifestyle with good nutrition, adequate rest, regular exercise, limited caffeine and alcohol, and balanced work and play. • Share your feelings with family and friends. Don't try to cope alone. • Give in occasionally. Be flexible. • Go easy with criticism. You may expect too much of yourself and others. If you think you have too much stress in your life, it may be helpful to talk with your doctor, spiritual advisor, or local mental health association. Because reactions to stress can be a factor in depression, anxiety and other disorders, they may suggest that you visit with a psychiatrist, psychologist, social worker, or other qualifed counselor. For more information, call the National Mental Health Association at 800-969-NMHA.



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Across the board analysis of generic cialis price

Sales are the backbone of any retail business. It goes with the territory. So what can you do to maximize your sales in your generic ED pills business? Gathering information on the generic ED pills market is a great way to begin. By understanding the current trends in Generic Cialis sales you can tailor your business to match up with these trends, increasing your customer base and sales at the same time. Here at our web site you are going to find more than just generic Cialis sales reports, however. Our crack team of experts has compiled a massive library of marketing data covering the entire field of generic ED pills products.

We also of course have reports about Generic Viagra sales available, but this is just the tip of the iceberg. On the pages of this web site you will find statistics about usage of these products, sales demographics, wholesale cost of generic ED pills products and much, much more. We even have helpful analysis articles that help you understand what all of this raw data means, and how you can use this information in your own business. We have done all the research, checked our numbers and gotten some of the finest writers in the business to compile this library for you. So what are you waiting for? The information you seek is just a click away.



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Stretch marks forums

Aside from investing in a product to treat and eliminate your stretch marks, one of the best ways to deal with the situation is to discuss it with other people. If you search the Internet you can find numerous stretch mark forums. A forum is basically a meeting place for people who share common interests. You can read messages and post replies. If you are considering a particular product for treating your stretch marks, you may want to ask people in a stretch marks forum if they have any information that they can provide in relation to the product. Experience is one of the best resources when you are dealing with a condition, and stretch marks forums have people that are willing to share their experiences with you so that you can avoid their pitfalls and enjoy some success. While many of the people that participate in a stretch marks forum are not trained to offer medical advice, there are times when people with professional knowledge will contribute to a forum. In addition, you will be able to share your experiences. People often think they are alone in their sufferings. The prevalence of stretch marks forums proves that if you are suffering from stretch marks you are not alone.

The anonymity associated with a stretch marks forum usually makes people more open about sharing their experiences. It is often the case that people make longtime friendships with people they meet in forums. To locate a stretch marks forum you can simply type a particular question that you have regarding stretch marks directly into your favorite search engine search field. People tend to ask similar questions, so by searching for a question it is very likely that you will come across a forum with a discussion thread featuring your question. You can also type “stretch marks forum” in a search engine browse window to obtain a list of such forums.



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The health risks of cigarette smoking part iii

Copyright 2006 Adam Waxler Nowadays, more and more people are becoming aware of the need to be healthy. They increase their intake of healthy foods, take vitamins to supplement their daily requirements, and go to the gym to exercise. Unfortunately, many people still tend to neglect the adverse effect of cigarette smoking on their health. Despite knowing the harmful effects of cigarette smoking, people, for some reason, still smoke. So, the question is, “Why?” Maybe it is because while people know that cigarette smoking is “bad” they do not know exactly how “bad” cigarette smoking really is. Well here’s the full story on why people should quit smoking cigarettes now: 1. Cigarette smoking kills 114,000 people each year in the United Kingdom alone. This means that if you do not quit smoking cigarettes now, you could be the 115,000th. Smoking cigarettes really does kill and people should be aware of that. 2. Cigarette smoking is the number one factor of lung cancer. There’s no greater factor that can trigger lung cancer in a person than what cigarette smoking can do. Smoking cigarettes is a detrimental element that instigates the formation of cancer cells in the body. This is because cigarette smoking primarily destroys the immune system of the body resulting in the body’s inability to fight back infection and to ward off harmful bacteria that enters the system. 3. Cigarette smoking really does cause cancer. Aside from the fact that cigarette smoking causes lung cancer, it can also initiate the formation of other cancer cells in the body. This is because cigarette smoke contains so many chemicals that are carcinogens. Carcinogens are the elements that cause cancer cells in the body. Once developed it could lead to acute condition of cancer which eventually leads to death. 4. Cigarette smoking is addictive and can cause hypertension and other cardiovascular diseases. The primary component of a cigarette is nicotine. Studies have proven that nicotine is addictive, which means to say that when you start smoking cigarettes it will be really difficult to stop. Not only that, nicotine also increases your cholesterol levels. This would eventually lead to hypertension and other cardiovascular diseases that lead to heart attacks. 5. Cigarette smoking has adverse effects on your entire body. The fact is, cigarette smoking is detrimental to your whole body, from the tip of your hair down to the tip of your toenails. First, cigarette smoking makes your hair smelling terrible. Also, the elements found in smoking can curb the growth of your hair and it can even dry it out, losing its shine and luster. Not only that, cigarette smoking also affects the teeth, lungs, heart, bones, and even your skin. That’s right. Cigarette smoking reduces the elasticity of your skin, thus, it will be more vulnerable to skin diseases and allergies. The bottom line is that people should really stop cigarette smoking now because it will not only affect their lives but others as well. This is because the primary concluding effect of cigarette smoking is always death and nothing else. It’s not a matter of choice. It’s a matter of how you value your life and your family. Is it really worth it to smoke cigarettes?



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4 essential things to build your email list

Internet marketing may have developed a rapid surge for the past few years. As more internet based businesses are being established, you need to develop new marketing skills and knowledge to keep up with the competition and to cope with the changing in Internet business world. The demand for Internet marketing tips and techniques have grown significantly and new strategies of online marketing has been born, one of them is Opt-in email marketing, also known as permission marketing. Believe it or not, this technique can spread the word about your sites subsistence in a very cost free and effective way. Opt-in marketing requires the permission of customer before you are allowed to send or promote any marketing materials, usually in newsletters form delivered via e-mail. The more targeted opt-in marketing mail is sent, the more chances there is to generate sales and more sales. To do this, you must build a list of all those who are interested in your niche and wants to subscribe to your opt-in marketing list. From your list, you will get your targeted customer, this is a good list since they already have shown interest in what you have to show and sell since they have willingly signed in for your list. These are the people who have liked what they have seen in your site and have decided they want to see more and maybe even purchase what ever product or service your site has to offer. Many people would think that building their lists would take hard work and a lot of time to build and collect names and addresses. This is not so, it takes a bit of patience and some strategies but in doing this list, you open your site and your business to a whole new world of target market. Take the effort to take your business to a new level, if traffic increase and good profits are what you want, an opt-in list will do wonders for your business venture. There are many sources and articles in the internet available for everyone to read and follow in building a list. Sometimes they may be confusing because there are so many and there different ways. Different groups of people would have different approaches in building an opt-in list, but no matter how diverse many methods are, there are always some crucial things to do to build your list. Here are four of them. 1) Put up a good web form in your site that immediately follows the end of your content. While some may say this is too soon to subscribe for a website visitors application, try to remember that your homepage should provide a quick good impression. If somehow a website visitor finds something that he or she doesn’t like and turns them off, they may just forget about signing up. A good web form for subscribing to an opt-in list is not hard to do. Just write a simple short statement about how they would like to see more and get updated about the site. Then there should be an area where they could put in their names and e-mail address. This web form will automatically save and send you the data’s inputted. As more people sign in, your list will be growing. 2) As mentioned in the first tip, make your homepage very, very impressive. You need to have well written articles and descriptions of your site. Depending on what your site is all about, you need to capture your website visitor’s fancy. Make your site useful and very easy to use. Do not expect everyone to be tech savvy. Invest in having good programming in your site, make your graphics beautiful but don’t over do it. Don’t waste your time making the homepage too overly large megabyte wise. Not all people have dedicated T1 connections, the faster your site gets loaded, the better. Go for a look that borders between simplicity and sophisticated knowledge. 3) Provide good service and products. A return customer is more likely to bring in more business. Even then and now, a satisfied customer will recommend a business always. Word of mouth and recommendations alone can rake in more business than an expensive ad. As your clientele roster grows so shall your list. With more members on the list, the more people will get to know about what you have new to offer. 4) Keep a clean and private list. Never lose the trust your customers have entrusted you. If you provide e-mails to others and they get spammed, many will probably unsubscribe to you. Remember, a good reputation will drive in more traffic and subscribers as well as strengthen the loyalty of your customers.



Online 4 essential things to build your email list