An investing insurance alternative

Segregated funds are the insurance company's answer to mutual funds. There are many differences and similarities but if you are putting together a financial plan that includes insurance and investments, you'll probably want to consider a segregated fund. Segregated funds are also called individual variable insurance contracts (IVIC's) and they'll be offered by a many insurance companies. Like mutual funds, they are investment vehicles, but like insurance, they have guarantees and tax advantages. How are they like mutual funds?

Like mutual funds, you can choose to put your segregated fund money into any number of different types of segregated fund. For example you can choose growth oriented funds or bond funds or some combination of both, which provide you with an investment vehicle that matches your goals. How are they like insurance products? But there are four insurance-related aspects of segregated funds that make them an attractive product for many people. 1. First, is the maturity guarantee. A segregated fund offers a guarantee of at least 75% after 10 years (although some segregated funds offer maturity guarantees of 100%!). 2. As well, segregated funds offer attractive death benefits, which work in a similar way to the maturity guarantee: your survivors will receive the difference between the guaranteed amount and the market value of the fund at your death. 3. Because segregated funds are insurance products, they also offer creditor protection, so that if creditors seize your assets, they cannot touch your segregated fund. 4. Lastly, segregated funds bypass probate so that you can easily transfer the money to a beneficiary upon your death without the costly fees associated with probate. Like all insurance and investment vehicles, segregated funds are not for everyone. For example, the guarantees do bring a higher cost in order to enjoy the segregated fund. However, segregated funds are growing in popularity, so many people feel that the guarantees are worth the cost. These are just highlights of segregated funds. There are many more aspects you should be aware of. But, if you're interested in a segregated fund and what one can do for your financial portfolio, contact your insurance company and see if they sell them. If they do not, you can probably find another insurance company that will be able to help you if you look around.

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Ergonomic awareness has become an important factor for employers and employees

Thanks to Wojciech Jestrzebowski, a Polish scholar, who introduced the term Ergonomics back in 1857 we know more about how we can incorporate the use of equipment to help with some of the daunting work duties that may take its toll on our bodies in the long term. It has only been in the recent years that companies have taken notice and have implemented ergonomic equipment in the work place. Thanks to these employers we can now lead a healthier, happier life with less body pains, and strains than before. Computer work stations have advanced significantly throughout the years as people sit at them more and more. The incorporation of a good ergonomic chair and ergonomic computer work station can be a heaven sent for those who are lucky enough to have one. Repetitive motion is one of the larger concerns when it comes to computer users. The repetitive motion disorders develop because of microscopic tears in the tissue.

When the body is unable to repair the tears in the tissue as fast as they are being made, inflammation occurs, leading to the sensation of pain. Repetitive motion injuries are among the most common injuries in the USA . Thankfully there are ergonomic solutions that can aid with many of the repetitive motion jobs that we face in the work place. Pushing or pulling wheeled loads has also taken a turn in the ergonomic lime light in recent years. With more and more published articles and proven methods on how we can push or pull more effectively. And with equipment like the Cart Mule® which motorizes the cart or carts making the task easier for one person to do without the normal physical aspects of pushing or pulling heavy wheeled loads. Most workers do not realize the nerve, tendons, muscles and supporting structures of the body they may be injuring beyond repair when lifting, pushing, pulling, holding or carrying objects the wrong way. As ergonomic equipment and products come into play more and more in the work place we will find a healthier, happier society. As equipment and products evolve into ergonomic helpers, we will find workers who become more productive in the work place, a worker that feels good and is without pain and stress will call in sick less often, work quicker and more effectively. When a worker is without pain it can cause mood changes for the better thus being in a better mood around fellow workmates, which in turn will make a more pleasant work environment. More job applicants are becoming aware of the ergonomic benefits that come along with ergonomically designed products and equipment, and have been known to look at these products in the work place the same way they do health benefits and pay scales. Being aware of the potential risks their body could sustain if a company is not current with the products that can alleviate these risks. Many workers are now turning away good paying jobs for jobs with a lower pay scale, but that incorporates ergonomic equipment. Recognizing the human investment in a company, most employers have the desire to take care of that investment by providing a good quality work environment. Most Employers are learning that this promotes a more valuable company as a whole. Most employers will readily take into consideration a product that will create a safer environment when asked. If there is a viable need and employers are made aware of products that can solve that need, in most cases employers will pursue purchase of better equipment so their associates will have the tools they need to do their jobs effectively and efficiently.

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Financial motivation for two year education

Financial Motivation for Two-Year Education When it comes to college, you are considering an expensive proposition any way you look at it. There are however, ways in which you can greatly reduce your overall expenses when it comes to getting your college degree. The first method, which in many cases is the most preferred, is by attending a community college for the first two years of your college educational experience. Believe it or not you can literally save thousands of dollars over the course of spending two years on the community college level. You will hear all kinds of arguments on why it is better to attend all four years at a university. The universities almost always make these arguments. Unfortunately, their opinions are a little bit biased in these matters. Most universities offer equivalent courses with community colleges meaning that the first two years of study should transfer with no problems or snags along the rocky road to your degree. The universities make money each semester you begin class as a student. It is in their best interest financially to have you from the beginning rather than as a transfer. In fact, many universities offer lower level classes as auditorium classes. They pack more students into classes and have fewer professors or graduate students teaching the courses and maximize their money off the first and second year students rather than those in upper level courses. Yet another reason to consider a community college for the first two years of you education. Getting back to the expenses of a community college, most community colleges are largely commuter campuses. This means you won't face the high housing costs that are associated with universities, particularly if you are attending college close to home. Community colleges also offer far less distractions that cost additional money than most major universities. This doesn't mean that there aren't ample social opportunities; it simply means that there are fewer of them. This also leaves fewer distractions than universities present when it comes to studying. Community colleges simply cost less all around. While it would be nice if you could receive a full four year education at this level, they are able, for the most part, to keep expenses down by not requiring the level of qualification that universities require of their professors for upper level courses. You will have excellent, if not superior quality of education at lower levels than you would have on the university level, but you will also eventually need to move on to the university level in order to complete your education. For this reason, you would do well to save half of your savings over university costs for each of the two years you are attending community college and apply it to your university education. This will ease the burden of the additional costs of the university and feel as though you are paying the same amount for tuition throughout your education regardless of the fact that you are literally saving thousands of dollars on your educational expenses. Some states have educational savings plans that allow parents to save for tuition at current costs by enrolling. These plans cover two years of community college education and two years of university education. By locking in today's prices you are eliminating the inflation. When you consider the fact that college tuition is increasing at an alarming rate this is by far an excellent way to go. You should check with your state and see if they offer a similar plan to parents of younger children and what the requirements are in order to enroll your child today. If you are looking for a real value in education whether or not you only go for your two year degree of move on to a university in order to finish your four-year degree you should find that a community college education offers a significant value for the money. Most people find that every penny they spent in a community college was a penny well spent. 669

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How to win the forex battle

Every trading activity is in fact participating in a battle. Winning the battle is a matter of knowledge, skill and experience. If you miss any of those you are going to join the long line of losers. Some says that 95 to 99 percent of the traders are lining up on the loser’s side. How to win the battle in the currency market? It is easy to answer that question, based on the above approach – prepare yourself for the battle. If you treat currency market activity as a hobby you’ll ultimately lose all investments there. If you treat it as a business you still may loose everything.

The correct approach is: consider each pressing of the Buy/Sell button as entering a battlefield. If you enter it without having a knowledge, skill and experience on how to win, you are destined to fail. You may have some lucky trades in the beginning, though. That, by the way, is the worst case scenario for the rookie in trading.

The earlier you get your “bad” lessons, the better for your overall experience. No mater how good you consider yourself prepared, after demo trading lessons, you have no idea of the forces ruling on the real market. In fact the worst enemy you are going to face in the very beginning is not hiding behind the walls of the global currency trading centers. Your most dangerous foe is hiding deep inside of you. That enemy is so powerful that you will be amazed how quickly it will wash away all your carefully considered decision. No one has been able to evade the force of that destructive power. No one can understand or realize that force unless it has been confronted face to face. Start trading with real money and you’ll face it too. Fear, Greed or Hope are some of the names of that power.

Fear forces you to sell near the bottom and buy near the top. Greed forces you to get out of the market prematurely. Hope will keep in the trade until you loose everything. Fear may save you but hope may wreck you completely. Greed will never make you rich. It is easy to give advice to trade without emotions and use the logic, only. How you can achieve that if you never have been there. You need to go through that turmoil, pick up your loses due to your emotional decisions and than analyze. Study all your “bad” trades, because they are the most precious gifts on the way to proficiency in trading. Growing as an experienced trader is possible only after getting your losses in the beginning.

Then sit down and carefully study the lessons they brought to you. One thing traders never want to do is to admit of being wrong. The market is a constantly changing and it demands flexibility in taking decision. That implies monitoring and constantly adjusting, changing your decision and action. When your logical analyzes suggest that you are wrong – get out, quickly. Once you overcome the emotions, concentrate on developing your signature way of trading. You can start with following different advisors and system and picking from them the things you like. Demo trade and test your ideas until you find the trade system which is matching completely your personality. Now, you have to go back to emotion in a controlled way. Every time your system suggests a trade look inside you and see how you feel about this trade. You feel bad – discard it. If you feel good – keep it. Here comes the final step: Looking for the final approval sign before submitting the trade. Here is the time, where the mastership shows up. Your weapon is loaded, the target is clearly seen on the visor and the finger is on the trigger. You have to make that final exhale, get the target over the cross point and shoot it. How much knowledge, skill, experience and patience you need to build within in order to reach that very final stage of trading proficiency? Only you’ll know that and only you can do it. The rest is just numbers in your bank account. Building a fortune by trading currency is not a mirage in the desert of live. There are hundreds of traders who are making living of that business and you can do it too. Study all you can find on the net and follow the steps of the best if you want to win that battle.

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Online adult dating review

: Online Dating is a unique fun for adults. The approach of the Adult Dating is a graduate of those who go from school children. Adult Dating Dating implied by computers and the Internet. Many sites are available from the year, now free and paid online dating service. Register on these pages and get started.

Adult Dating is a blessing for all those who society, but do not have time, circumstances or courage to do so in the offline world. We'll give some good Adult Dating tips, you can form of online interaction as desired. Despite their due date, you may need some Adult Dating tips for you to follow safe online dating standards. Here are a few useful Adult oline dating tips to help you if they are always better and safer online dating results. Adult Dating Tips: When online dating, you must follow some basic Adult Dating Tips to enjoy online dating in a carefree and safe way: Personal information: Make sure the dating sites ' Terms and conditions, if your personal data's security is honoured, or if it is made available to the public and to what extent. Make an informed decision on the application. Anonymity: Don 't ever your identity on the other person up to the point, you're sure about them. You may be dealing with some unscrupulous person who can land you in trouble. Communication: Use only the sites 'communication tools, so that nobody has access to your personal information.

Enter your personal e-mail id only and only when you consider that it's safe to share them with the other person. Dating E-mail id: The safest to an e-mail from id separated. This ID share with all those who you are online. You can IDs on each side free like Hotmail, Yahoo, Rediff, Gmail, and to name a few. Signature: your signature and your regular contact details in the signature must not be used when online dating. Use a short and separate signatures for your e-mail accounts. If you regularly your signature on a wrong person, then it fraudulently to cheat. Pressure: Just don 't return on your date's pressure, your personal information. A person persistently, to maintain your personal data may not have a real motive and, if possible, stay away from such people.

The above Adult dating tips can help you meet your expectations of online dating. Enter the world of online dating with full confidence, but be careful, because the network city, which can decide the next steps and you are responsible for these decisions. How about that, with a guarantee? Here is the comparison with adults from various websites, this site has been assessed, examine and compare various Adult Dating websites on the Internet. In recent years, from the year has developed and Adult Swingers sites seem to be popping out of the ground everywhere. Take the right side and you will probably have sex within 1 or 2 days it's the wrong site and you 're in cash and in the same place you were before you tried Adult Dating. The problems is cutting through the hype to find out which are real and the work and the real nature of the work, and what are pure rip-off crap! This is exactly the purpose of the PlayWife.

com, as I was in the same position you are in a few months ago, when I first heard about Adult Dating. I wish there was a page as PlayWife. com, so I would have separation of garbage, and only bought the real deal. All in all, it was worth it, as I now know first hand what works and what DOESN 't, and if you like me, you would pay a reasonable dollar amount to know what you are getting more Girl. The videos in the Adult Finder sites invite you to be with them is the exciting part, you can use your video and make it attractive, couples, will deal with boys and girls, find women with special needs , Explore your fantasies you have multiple partners will benefit from the same place where you love, unless you login you never know. Instant chat with online members and you also have a chance, video chat, to see a model of how it will be when you are together.

As you know, what are good, FunWomen. Net leads you. The website should navigation is simple and you don 't have to be a tech freak to go into this and it should be the best experience for you on the Internet. Adult dating reviews. com explains the various aspects of the creation profile GET invited, sex parties and group sex parties, where you remember how to talk to someone about this then - FunWomen. Net is the right place for you to go, so What's the hold up get to the site and receive.

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What is a debt consolidation loan all about

What Is Debt? Debt is the bills that are left over at the end up the month after you have made payments on everything you can afford. Do you still owe 2 months on the electric bill and a few thousand dollars on a few different credit cards? Add all your outstanding bills up and you will have the amount of your debt. What Is Debt Consolidation? Debt consolidation is one of the methods that you can choose to help free yourself from the debt that seems to grow every month. By working with a financial service or a financial counselor, you can come up with a plan for debt consolidation that fits your personal situation. Debt consolidation plans usually consist of the following: * Combining all your bills into one bill. * Negotiating with your creditors to come up with a more manageable number. * Dropping tax payments. * Creating a definitive, financial plan for the next 3-5 years that will allow you to live within a budget and leave you debt-free. What Is A Debt Consolidation Loan? A debt consolidation loan is one type of personal loan available to you. Its goal is to cover the total amount of all your bills put together. This loan will let you pay off every company you owe and save you a ton of money in late fees and over limit fees, as well as save you from having possessions repossessed or utilities turned off. Your interest rates, too, will decrease because you have only one creditor to pay every month – the lender of your debt consolidation loan. Secured Debt Consolidation Loan When you take a out a secure debt consolidation loan, it means that you have to promise a security to cover the bill if you can't pay it back. This usually means that you have to be able to put your house up as collateral or something of equal value. Remember: if you can't pay back your loan, your lender can take your collateral. Unsecured Debt Consolidation Loan No security or collateral is needed for an unsecured debt consolidation loan. The key to being approved for a debt consolidation loan of this nature is your credit report and credit score. Even with bad credit, you may still qualify for an unsecured debt consolidation loan, but it will usually be at a much higher rate of interest. No matter how you choose to free yourself from debt, eliminating as much of it as quickly as possible is the key to finding your financial freedom.

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Jazz up your english with fresh and lively idioms

English language is loaded with non-standard phrases, which rooted so deeply in its vocabulary that at times cannot be distinguished from the accepted Standard English terms. On the one hand, they jazz up the language of native speakers, making it very lively, natural, and authentic. However, on the other hand, non-standard phrases make a pile of understanding hassles to English learners, who helplessly try to gain an understanding of all intricate words and phrases, invented by the language speakers impromptu. This really stands for some reason, because the most difficult aspect of learning another language is not a great bulk of its vocabulary, but an extensive number of non-standard phrases. Non-standard phrases, used here to denote idiomatic expressions, which make up a considerable part of the lexicon of language users. The best advice to the English learners is not to make many efforts, trying to remember tons of idioms at one sitting, but to learn the most common ones gradually and naturally through the learning material or lively communication with native speakers. Remember that it is much better to be accurate in the non-idiomatic English than inappropriate when using idioms.

It is a well-known fact that English is heavily idiomatic. The phenomenon of vast idiomatic basis of the English language is rather explanatory. First, English is a multicultural language, that’s why it comes under the influence of different languages and borrows new phraseological units extensively. Second, as new concepts are developed, new terms are needed for their indication, so instead of creating new words, we simply put together already existent words, which acquire new sense in combination. Idiomatic expressions come across all over the place. Even a cursory scanning of the newspaper headlines and perfunctory watching of television shows or news broadcast clearly reveal the extent to which idiomatic language is a part of day-to-day life and communication.

Being stripped of the non-standard phrases everyday language will lose its flavor and become pedestrian and dull. What is especially interesting about idioms is that they can be defined in different ways, depending on the functions they fulfill. Idiom can be a figure of speech, which means that the words in idiomatic expressions are used figuratively, rather than with their literal meaning. When we say that someone is in the soup, instinctively we feel that there is no real soup involved. We know that here the meaning of the word soup is figurative, and we guess from the context that someone who says it implies that a person is in trouble and has some serious problems.

Native speakers got so used to figurative language they speak that they don’t realize of how large a proportion of what they say and write is metaphorical. A great number of idioms which is used in everyday language are colloquial metaphor. Wikipedia offers very clear and to the point example to illustrate this statement: get lost! - which means go away or stop bothering me. Idiomatic expressions are extremely common and are found in all kinds of English, both formal and particularly informal. After all, frequent occurrence of the idiomatic expressions in speech does not make them understandable for everybody. As the origin and history, standing behind them, remains enigmatic and obscure both for native speakers of the language and English learners. The origin or also called etymology of idioms, which can be literally interpreted as tracing back to the roots of emergence of words and phrases in the language, is a vast field of unceasing debates of scholars and a fruitful ground for equivocal opinions and views of linguists. Indeed, language users do not pay attention to the stylistic peculiarities of the phrases they use, and do not reflect much on the origin of the words they utilize on a daily basis. Indeed, usage of idiomatic expressions is par for the course for us, and we do not notice the beauty of the language we speak. English idiomatic language is a real diamond in the rough, which has enormous topical variety of forms and fascinating and surprising origins. So be natural in your communication, keep your language simple and be sure to polish this rough diamond perfectly well.

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Inside the list building your business with an opt in email list

Inside The List is an all in one place reference guide to building your business with an opt-in email list. More on Inside the List in a moment, but first you might be asking, what’s the deal with email marketing? Do I really need to bother to build a list? Also you might be worried that email marketing may offend some people. Well I’m going to address those questions for you in this article, and give you some email marketing tips to boot. Email marketing is quite simply one of the most effective marketing methods today, as virtually almost all people use email. Check on those email fields or blanks required to be filled up on various forms needed in processing different transactions in the modern day. Email marketing campaigns can offend a lot of people. The not-so secret way to surmount this dilemma is through permission-based advertising. There's no harm in providing good information (stealth marketing) after asking for permission. That’s where the opt-in bit comes in, it ensures that your list member wants to be on your list and also protects you against SPAM allegations. The key is to be very selective on who to email and who to not email. Better to look for some metrics on how to know which group of people would give you high ROI or return on investment. The Real Deal with Building Opt-in List Building an opt-in list is not a piece of cake particularly for the uninitiated. Here's a few ways you can benefit from employing the power of email marketing campaigns - building an opt-in list. Here is a rundown of tips on how to succeed in this kind of marketing endeavor. 1. Strategic Collection of Data Know which information from your audiences will help you in lowering expenses and/or make sales flourish. Devise a tactic to make people voluntarily provide you with the information necessary to create higher conversion. Overload of data is not good. Ask only for opt-in, with their full name and email addresses. Make sure that the profiles that you gather are updated to aid in improving the relevance, timeliness and satisfaction from each deal you make. 2. Good Implementation Old adage says it all - 'action speaks louder than words'. This easily translates to the difficulty you have to undergo during the execution of his or her email marketing efforts. It's a good thing that various methods, often low-cost, abound to hasten and facilitate the building up of your opt-in database. Tracking your email marketing results can pose great hardship, too. Technology and relevant sources should be employed in making this aspect of your marketing a lot manageable. Your high traffic groups of opt-ins with the greatest result should be taken noted of. The following are the most widely used methods to leverage channels without overspending: 1. Make use of websites. It is an excellent tool for data collation and providing you with relevant info regarding your email offers. Use forms that solicit your visitor's email address and consent. 2. Make use of print ads, brochures, TV, radio and direct mail. These are the more popular ways of marketing aiming to lead traffic to one's site. You may want to ask for signups for email services. Make your website more visible through these media. Offering free electronic newsletters and or rewards program can do well in making it easy to win the nod of your audiences, too. 3. Maximize your sales force. Customer service associates can help a lot in making you benefit more from your email correspondence. Sales people with proper education on how to aid you in this endeavor can very well contribute to higher ROI. Techniques like offering account updates and special programs through email can easily land you those lists of valuable visitors. 4. Don't make your point of sale pointless. Forms for signup located at cash registers and other high-traffic and highly visible spots can be very excellent venues for your business to collect email addresses. Notification of upcoming sales through their email addresses and names can coax them to supply you with the information you need. 5. Conferences or trade shows can work, too. Giveaway offers or entries on sweepstakes are great for opt-in to volunteer their contact details. These tactics should be applied with adequate caution and should focus on earning the trust of your opt-in list instead of simply collating data for your sole own benefit. Always make sure that the forms that you will use and other methods that you will employ will not necessitate too much fuss to subscribe. This is for people to not be annoyed during the process of data supplication. With that bunch of information, who can ever go wrong with the feat of building an opt-in list? Well, you can, but hopefully you know agree that there is much to be gained from building an effectively targeted opt-in list. And that provided you make sure your list member has opted-in, and that your provide quality and relevant content there should be no reason to worry about giving offence, after all they can always opt-out. What’s the deal with Inside the List then? Inside the List confirms in significant detail how an opt-in email list is the unmatched, most valuable marketing tool available on the Internet today. You probably already realize that "attacking" the internet Marketing industry using different techniques is the best way to achieve a very high level of success, to create multiple income streams and to continue to grow with the industry. Well the best technique is opt-in email marketing. It is written in an honest narrative that both a newbie and non-technically minded beginner can understand and yet is jam-packed with unique and advanced strategies for experienced internet marketers alike. Inside The List takes you by the hand and leads you step by step, initially explaining the concept of Email Marketing, showing you in easy to follow steps how to set up an Autoresponder account and campaign correctly and efficiently to generate an income simply by sending out emails to your growing list. It also provides additional valuable resources and tips. To give you a feel for the depth of coverage in this definitive guide, here is the book’s content: Section 1 - Introduction Welcome to Inside The List About the Authors Why Our Techniques Work Section 2 – Getting Started Introduction to Email Marketing Benefits of Email Marketing Intro to Autoresponders Autoresponder Benefits Setting up an Autoresponder Section 3 – Leads Capturing Leads Short Copy Squeeze Pages Long Copy Squeeze Pages Short or Long Copy? Collecting Subscribers from an Existing Webpage Collecting Visitor Information Section 4 – Mailing List Offers Offering Incentives Follow-up Messages Broadcast Messages Newsletters Quick Promoter Technique Expectations Section 5 – Utilizing List Potential Utilizing List Potential Open Rates Case Study: Increasing Open Rates Email Linking Strategies Email Timing Summary Case Study: Free Internet Marketing Course Section 6 Advanced List Settings Advanced List Settings Verification Custom Views Email Personalization & Dynamic Inserts Aweber Email Parser Section 7 – Squeeze Page Techniques Advanced Squeeze Page Techniques Mailing Lists and DPO Redirecting Signups Section 8 – Generating Traffic Free Traffic Sources Paid Traffic Sources Targeting Your Traffic: Channels Targeting Your Traffic: Audiences Section 9 – Bonus Section Bonus Section 10 Hottest Mailing List Markets How to Create Incentives Promoting Gambling & Pharmaceuticals Adsense and Mailing Lists Product Hype with Mailing Lists Killer Ad Writing Techniques Freeware & Mailing Lists Squeeze Page Templates Section 10 – Summary Outro More about Kyle & Carson Section 11 – Resources Useful Links Glossary The authors of Inside The List are Email Marketing 'experts' who are have used the techniques taught to increase profits 500% and take their online income to circa $3000 per day profit. I have personally utilized the techniques taught so far by Carson & Kyle in all my online campaigns and seen a dramatic improvement in my profits. Email Marketing has a bad name because of the word SPAM. Does "Inside The List" focus on spam? No, not in any way, shape, or form. We all hate spam with a vengeance, because it is VERY annoying. But targeted email marketing techniques using verified opt-in mailing lists where subscribers manually sign up to your list are beneficial to your subscribers, and hands down the most effective marketing tool available. If you don’t know how to get started with an autoresponder, a lead capture page and other basic mechanics then Inside the List will be very beneficial to you. It will help you to get started, but much more understand your subscribers, know their pain, know how they feel, what they want, how you can help THEM. A quality email list provides you with a direct line of communication with your target market, but importantly it enables you to develop a long-term trusting relationship with your subscribers. The key to using an opt-in list effectively is to develop quality and quantity. You can without doubt, use opt-in mailing lists to create HUGE amounts of money online each and every month, and as an Internet Marketer they should become a VERY integral part of your success online. If you've struggled with this, this article will reveal some of the most effective methods used to build an opt-in list. If you're not using these methods, you're leaving cash on the table every single week. If you really want to build a responsive and massive opt-in list, you MUST initially capture your potential subscribers. An effective way to do this is taught in Inside the List, that is the use of a squeeze page, which can gain achieve sign up rates as high as 80%, especially by using an incentive. Alternatively, and if you have and existing web page, you can utilise an opt-in form, using the code that your autoresponder service provides. To increase your subscriptions even further, you can also place a subscription box on each page of your website. There are many techniques to getting people onto a targeted list, BUT put yourself in their place, ask “Why would they want to subscribe to your list ?” You MUST give your visitors a reason to subscribe. Get Inside the head of your List. Incentives Using incentives is a highly effective method of obtaining new subscribers. Incentives can be quite different, but they ALL must provide value to your list AND be highly relevant to your target audience. Furthermore, these incentives should be free, and delivered to the visitor instantly upon signing up to you mailing list. Examples include: - Free e-books - Free e-courses - Free newsletters - Ezines - Product Updates - Special reports - Special software programs that will assist your visitors - Member exclusives or discounts If you're not comfortable developing your own incentive, there are many to be found online. Once you have generated a large list of opt-ins you will need to utilize it effectively as a profit source. You will need to learn about email open rates, email linking strategies, timing and how to increase click-through and conversion rates. In short you need to learn how to work the list. You need to understand the techniques and processes taught in Inside The List! Conclusion The key to profiting from an opt-in list is maintaining quality and attentive subscribers, and over time building quantity. The rapport you build with your subscribers will determine your relative success. They subscribed for a reason. If you don’t keep this front of mind and provide relevant and quality content you’ll lose them. Once you've developed an affinity with your opt-ins, you have effectively got inside their heads, and your email marketing will then be a very effective method of promotion, which should pay you handsomely time and time again. You are throwing away thousands of dollars every year if you are not using email marketing in your internet marketing arsenal, and if you need help getting started, Inside the List, an all-in-one reference and instructional guide may well best investment you have ever made in your internet marketing future.

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Folding vs non folding treadmills the real story

: Many people wonder if buying a treadmill that will fold away is a good idea or not. To answer the question, we have to go a little deeper before we can arrive at a good, logical answer. The primary concern that people have is "am I giving up something to have the capability of the treadmill to fold?" So, let's investigate this concern to uncover the answer to our topic. What are the differences in a folding treadmill and a regular treadmill? The answer is not many.

In many cases, other than frame parts, there are no differences in the physical construction of the machine. One of our owners was at a treadmill manufacturer when they decided to start building fold up treadmills. The parts list for the treadmill was identical, with the exception of a few bolts and different frame parts. So, we have ended this discussion quickly and can move on. Right?

Well, not really. The problem is not with what they put into machines in many cases. It is how they build it. If you are considering the purchase of a folding treadmill or if you think you may want one in the future, consider this question first, "why do I want one?" Most people don't realize that if you need to save room, you usually will be looking at a wall when you exercise. That is due to almost every treadmill on the market folding from the rear of the treadmill to the front. That means the front has to be placed against the wall. The few we have seen that fold from the front to the rear aren't worth buying and we haven't seen one of these for sale in quite a while. If you want one that is easy to move around this is also a misnomer. It is true that they navigate much better due to the smaller footprint when folded, but you better have someone who is strong to handle it. Even the cheap models can weigh 120 to 150 lbs. Another reason to have one is to be able to clean easily underneath it. We can't find any problem with this logic and that is why we have folding treadmills ourselves. The difference in the build of the treadmill is the most important feature.

Icon Health and Fitness was the first company in the modern era to build a folding treadmill. The first folding treadmill was actually built in the early 1900's. Icon's original ideas have been redesigned in the past few years and have become a very good design. Most of their treadmills are easy to service, the design is very good, and they have minimized the initial problems that surfaced. The frame design is a little heavier than some of their non-folding efforts and actually creates a treadmill that should structurally last longer than other non-folding treadmills in the same price range.

They sell under the brand names ProForm, Weslo, Image, NordicTrack, Reebok, and HealthRider. Some other companies such as Keys, Everyoung, Trimline, Schwinn, and Vision sell a higher class of treadmill but in almost every case, these treadmills sacrifice quality for the ability to fold up. For instance, the Keys folding machines are much less stable than their non-folding units while an Image folding treadmill is much more stable than anything else below $2,000. Some of these manufacturers have had to add extra support to bolster their designs just to get them to stand upright when folded, using cheap kick stand-like contraptions. It is our opinion that you should start from scratch to design a folding treadmill, not modify an existing design, as many manufacturers have. The king of the folding treadmill is unquestionably Spirit. If you look at a Spirit folding treadmill on the showroom floor, you may never realize that you are looking at a folding treadmill. You may just think that it is another $2,000 to $2,500 treadmill until the salesperson shows you that it will fold up. The amazing feature of the Spirit unit is that their folding units have so much extra structural support built into their frames. Although they still make non-folding treadmills, their folding units are much more stable and rugged than their non-folding treadmills.

In other words, if you need a folding treadmill and can afford a Spirit, theirs is the way to go.

Online Folding vs non folding treadmills the real story

Cell phone bugs

There are a couple of different ways that cell phone bugs can be used. There are fairly inexpensive low-tech cell phone bugs, and there are more expensive and much more rewarding, devices that can be used to hear what you need to hear, but that others might try to keep from you. The first category of cell phone bugs is not really a cell phone at all. It merely looks like a cell phone. It can receive calls, and it will call you automatically, but this phone is not meant to be carried with you. This bug is meant to be “forgotten” or “charging” at the home or office. It plugs into a splitter that shares a phone jack with a regular phone. When a call is made, you can listen in to both ends of the conversation by use of your bug. The bug will even call you when the subject places a call so that you can listen in. One of the cell phone bugs that require you to take a more active role in listening is a cell phone that is equipped to pick up transmissions by cell phones around it. Cell phone calls are among the easiest to intercept, as the sound is carried on frequencies right through the air. All you have to do is be in the vicinity of your subject and then dial in to your cell phone bug. It looks as though you are talking on your cell phone, but really you are listening in on a conversation. Finally, the most advanced of cell phone bugs let you listen in, even if you are on the other side of the country — or even the other side of the world. This type of bug works like a regular cell phone. Give it to your subject, and then you can listen in to what she or he is doing whenever you want. The phone has a standard number, that anyone can call, and a secret number that only you know. When you call the secret number, a microphone is activated and you can listen in, not only to conversations held on the phone, but also to what is going on in the same room as the cell phone. These devices are innocuous and common. They look like what everyone today has and seems to need. You cannot go wrong when you get the information you need using cell phone bugs. (c) 2005 Copyright spyassociates. com. This article is about: Cell Phone Bugs.

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7 tips to becoming a smart gambler part two of two

Last time we spoke, I started to share with you my 7 tips to becoming a smart gambler. To recap, we went over three vital smart gambling tips-knowing the house edge, establishing a bankroll, and always taking possession of your money. Today, I'll continue on this great journey of ours. We all should strive to be smart gamblers. The last 4 smart gambling tips will fly at you fast, so get ready.

And remember, these are just primers to get you started. If you're super serious, you could go deeper. For instance, you could read an entire book's worth of information on bankroll alone. Here are smart gambling tips 3 - 7: 3. Know thy game Don't play any casino game seriously unless you know it really well. It's one thing to spend a few bucks while learning or just having fun, but it's another to play it over and over without knowing the fine details of odds, strategy, etc. 4. Know more than one game It's fine to “specialize” in one game, but you should know two games or more well. There will be times when it's smart to walk away from a game. Maybe your head just isn't working well at that time or the game is too hot the wrong way. 5. Slots are for fun Show me one player that's played slots a ton and has won a lot and I'll show you either someone that happened to get lucky by hitting a very large jackpot or a liar. Slots are for fun, not profit. There's nothing wrong with enjoying them in doses, but don't make this your main game. 6. A tip is a loss This is for the guys and gals playing in the real world. It's a common courtesy for players to tip good dealers or the cocktail waitress. This is fine, but it's money lost, so you need to treat it as such. If you're playing $1 Blackjack and you're up $10 when the cocktail waitress comes around think for a minute. If you tip $1, you've just lost 10% of your profits. I'm not saying don't tip, but you need to keep it relative. And all money out is money lost-good cause or not. 7. Love what you do It doesn't matter if Baccarat (House Bet) is the best bet in the house if the game bores you to tears. You've got to love what you're doing. If not, you'll get mentally lazy and that's when money is lost for sure. Stick with your passions. And there you go. That's 7 solid tips to becoming a smart gambler.

Online 7 tips to becoming a smart gambler part two of two

6 ways to destroy a beautiful complexion

Women (and men. too) spend billions of dollars trying to make their complexions look great. Sometimes their efforts are self-defeating. Some of the following problems you have heard of before but I bet you haven't heard of all of this. Sun damage Harmful UV rays can cause scarring of the elastic tissues in your skin. These elastic tissues make skin soft and easy to move. A condition called solar keratosis develops from long term exposure to UV rays. This will cause the skin to lose its flexibility and will make a 30 year old woman look 59. Plus skin cancer can ruin your entire day. Use sunscreen. Also, many women, after years of sun exposure develop a condition called, Fungal Solar Keratosis. The sun damage cracks the skin, allowing fungal parasites under the skin. These parasites will interfere with normal healing even if therapeutic skin creams are used. Special fungal skin creams are the only solution. http:// themoldlab. com GrandPa@GrandPaGraham. com Bad make up Many manufacturers put chemicals in their products to make them last longer. It costs money to remove spoiled lipstick et al from the shelves of grocery stores and pharmacies. So they put things like phenol and formaldehyde in all their skin care products. Germs can't live with these poisons around. But these products are very caustic. They burn skin and can cause cancer. Use only skin products without these poisons. Check the labels. Dryness If you live in a dry or salty environment, the dry air will suck moisture out of your skin. This causes the skin cells to shrivel up and makes puckering lines develop. Women in moist environments like Great Britain are noted for their youthful complexions. Good chemical free moisturizers will help. Also moving to a lake will help. Bad diet Skin needs proper nutrition in order to replace dead skin cells with new softer, healthier cells. Of course, you entire body needs proper nutrition. But the skin shows the signs of improper diet long before the liver does. When did you ever see an unhealthy, ugly liver anyway? You've seen a lot of ugly skin. Look up the food pyramid put out by the US government. Stick with this and you will generally be ok. Air toxins Household cleansers contain some of the deadliest materials known to humankind. Yet we cover our bodies with them when we clean our homes and offices. Many contain bleach which will destroy our skin and make us look like mummies. It's also bad for the lungs and kills sperm development in small boys. Also chemicals in the air from household mold will cause the skin cells to toughen up and get scaly. The molds live in the walls and under sinks and send these chemicals into the air of your home. http://www, tennesseemold. com Illness Of course, being sick makes you look terrible. You don't need a dermatologist for most of these probems. Just common sense and a little time checking ingredient lists.

Online 6 ways to destroy a beautiful complexion

Manganese 101

Manganese is a metallic mineral that was discovered by a 17th century German chemist named Johann Glauber, though it was not isolated in a pure form until 1774, by Johan Gahn. It was Gahn’s associate, a Swedish chemist, Carl Scheele, who first determined that manganese was an element. Manganese, as a trace mineral element, is found in all forms of life. It is essential to the health and functioning of the human body and mind in many ways. In terms of physical health, the mineral manganese is important to almost all of the body’s major systems.

It works in the digestive system which is responsible for breaking down foods through digestion and transforming them into a form that the body can use. The primary function of manganese in the digestive system is acting as a cofactor in many of the enzymes responsible for releasing the energy in food making it accessible to both body and mind to fuel the essential and nonessential functions. This essential mineral is also needed to metabolize Thiamin Vitamin B1. The skeletal system requires manganese for the building of strong and healthy bones. Without it, the skeleton may not develop properly. Manganese also supports good muscular reflexes. It also serves the reproductive system having an important role in the production of sex hormones and sperm.

Manganese has vital antioxidant properties working as a cofactor in the production of the body’s most important antioxidant enzyme: the superoxide dismutase. Antioxidants perform a task that is essential to the body. It controls or stabilizes free radicals which are responsible for a great deal of damage within the body. Free radicals are destabilized by their lack of an electron and in seeking to stabilize themselves they assault other molecules in an effort to take what they need from them which then results in those molecules becoming destabilized as well. Accumulation of free radicals is dangerous for if it reaches a certain number cellular damage can occur thus leading to tissue damage. And as the free radicals roam, their population also up in number. Manganese is also essential for the brain to function properly. It supports the nerves and also promotes memory and emotional stability.

Researchers are studying the relationship between epilepsy and other seizure disorders and the influence manganese levels may have on seizure activity and severity. This mineral is also being investigated for its potentials in the treatment of severe mental disorders such as schizophrenia. If proven positive, this could be a big breakthrough is the field of medical science. Deficiencies in manganese can contribute to convulsions, confusion, tremors, dizziness, paralysis, deafness and blindness in infants, adult hearing loss, digestive disorders, ataxia, bone malformation, general weakness, infertility, irregular pulse, and pancreatic damage. Nutritional supplements offer a reliable and safe means of seeing to it that the diet contains adequate amounts of this essential trace mineral provided supplement dosage remains within the standard recommended daily intake levels.

Too much of any nutrient can do physical harm to the body and thus it is important to be knowledgeable about the nutritional needs of your body and the supplement you are considering for use. It is therefore important to consult a doctor to avoid over dosage. Consultation with a licensed nutritionalist is also essential to aid you in planning a daily diet that can supplement the much needed healthy daily dosage of manganese

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Over the counter acne treatment products that work

Over the counter acne treatment products typically include acne or spot treatments, cleansers and washes, moisturizers, lotions, pads and wipes, masks and strips, shaving creams, and toners and astringents. So how do you know what over the counter acne treatment you should use? Here’s some simple, yet powerful information that most folks unfortunately don’t take the time to find out. Benzoyl Peroxide the Bacteria Slayer Benzoyl Peroxide (BP) in over the counter acne treatment products: -works best for moderate to moderately severe acne, -deeply penetrates into the skin to kill tough bacteria, -is best used preventatively, -dries and exfoliating the skin, -works faster than prescription antibiotics, and -doesn’t allow bacteria to build resistance like prescription antibiotics. However, BP is a very harsh chemical. It causes redness, dryness, and scaling. BP can also lighten fabric colors. You can find a cheap tube of BP in any drugstore at 2.5% which will work wonders over a few weeks time. Salicylic Acid – the Surface Slougher Salicylic Acid or “beta hydroxyl acid” (BHA) works best for mild acne and sensitive skin, as a cleanser ingredient to slough surface skin cells, and as an agent that prepares the skin for other acne treatments. It breaks down a protein that holds the skin cells together. Over time, it exfoliates old skin and allows new healthy skin to surface. It loosens whiteheads and blackheads and helps expel them. Salicylic acid is fairly mild. It does not reach down deep into the skin follicles like benzoyl peroxide. It can take up to 3 months to loosen smaller whiteheads and blackheads. However salicylic acid works well if you use it over a consistent and long period of time. Some side effects of salicylic acid include some skin peeling, dryness, and irritation when used at concentrations of 2% or greater. Possible adverse effects include salicylate toxicity, toxic inner ear damage, and hypersensitivity. Also risk of increases in skin sensitivity to sunlight. Look for an over the counter acne treatment cleanser with concentrations of 2% salicylic acid, in an acid base with a pH of between 3 and 4. Alpha Hydroxy Acids (AHA) Alpha Hydroxy Acids work best for all types of skin, as a mild or strong cleanser, and for healing and preventing acne. AHAs are natural acids which come from fruits, milk sugars, and plants. Glycolic and lactic acids are the most frequently used in over the counter acne treatment products, and are the most well researched AHAs to date. AHA's gently peel away the uppermost layer of dead skin cells. They make way for the newer skin beneath. Look for a product with a glycolic acid concentration between 8 and 10% and no other active ingredients. You should see results in the texture of your skin within a few weeks. Side effects include more susceptibility to sunlight and minor skin irritation or blisters and burns. Fewer AHA products have FDA approval. Retinol Retinol is the chemical name for vitamin A – which is the active ingredient in the prescription drug Retin-A, the favored topical prescription acne treatment. Retinol works best in high concentrations and when packaged stably. It hasn’t really proven its effectiveness for acne. Sulfur and Resorcinol Basically, sulfur kills acne bacteria. Resorcinol helps shed the outer layer of skin, and increases the effect of sulfur. However, experts aren’t entirely sure how it works in combination with sulfur. Resorcinol alone is not an effective acne treatment. It can be very irritating to some patients. For those who can’t use BP or Retin-A, sulfur may be a good alternative. The side effects are minor: dryness and unpleasant odour. It’s not recommended for pregnant women unless their doctor prescribes resorcinol. There are no major known adverse effects in resorcinol’s combination with sulfur. Everyone is different For maximum effectiveness, find a cleanser containing salicylic acid or glycolic acid, a leave-on benzoyl product, and a moisturizer you wear overtop. As a general rule of thumb, OTC drugs should work within 6 to 8 weeks. If they don’t work within 10 weeks and even promote breakouts, see a dermatologist. Now you have enough knowledge to look for effective skin products, as well as how to use them to use them the right way.

Online Over the counter acne treatment products that work

Pregnancy loss predetermined or random error

The pain of losing an unborn child is a traumatic period for a couple, especially to a would-be first-time mother. Miscarriage and other forms of pregnancy loss can bring out a lot of questions that need to be answered. Many couples take it upon themselves to look for answers as to why the miscarriage happened. Others also focus on getting information about how the pregnancy loss could have been avoided. Miscarriage is almost always not anybody's fault. In some cases, pregnancy loss is already a predetermined outcome from the start of conception. While there may not be any logical explanations at hand to explain why miscarriages happen, the medical community has been able to recognize a few known causes of miscarriage. One-time miscarriage, also called sporadic pregnancy loss, is usually caused by chromosomal abnormalities during the development of the fetus. Doctors usually assume this as the default explanation for first time miscarriages due to the fact that most couples go on to have a normal pregnancy after one miscarriage. Chromosomal abnormalities such as extra chromosomes or missing genes may cause the baby to stop developing and eventually lead to a miscarriage.

After the first miscarriage, most medical professionals do not conduct testing for the cause of miscarriage since chromosomal flaws are usually random, one-time events. While miscarriage due to chromosomal flaws may occur to any woman at any age, those who are 35 years old and above are at highest risk. When a miscarriage happens two times in a row, it is unlikely to be caused by random chromosomal errors. Usually, doctors will conduct a process of testing for recurrent miscarriage after a second case of miscarriage. In this case, chances are higher that the woman may have a detectable problem that causes the pregnancy loss. In about 50% of the cases of recurrent miscarriages, doctors find a cause for recurrent miscarriages and then the woman is given treatment in anticipation of her next pregnancy. However, the other 50% may still not reveal any cause at all. In the same way, a woman may still get pregnant again even with two unexplained miscarriages, and still have greater chances of a normal pregnancy than another miscarriage. Generally, causes of recurrent miscarriages are usually much more controversial compared to that of single miscarriages. Some of the most commonly recognized causes of recurrent miscarriages are: l Abnormality in the structure of the uterus; l Blood clotting disorders, such as antiphospholipid syndrome; and l Certain chromosomal conditions, such as balanced translocation. According to experts, low progesterone and other hormonal imbalances may lead to recurrent miscarriages. Although treatment with progesterone supplements is fairly common after one or two pregnancy losses, however, not all medical practitioners agree on the practice. Others believe that malfunction in the immune system, such as high levels of natural killer cells, may be the culprit. Miscarriage after the 20th week are called stillbirths. Too-early births, on the other hand, are called preterm labors. Both preterm labors and stillbirths usually have different causes from that of earlier miscarriages, although chromosomal errors in the baby can also cause stillbirths. The most common causes of stillbirths and preterm labors are cervical insufficiency, problems in the placenta, and preterm labor due to medical issues in the mother. At any rate, women are advised to seek out emotional support from family and friends when miscarriage occurs. Dealing with the emotional aftermath of miscarriage can be easily managed with the help of counseling.

Online Pregnancy loss predetermined or random error

Characteristics of fibromyalgia treatments

Fibromyalgia is a serious neurological condition that causes pain in the musculoskeletal system. People who suffer from fibromyalgia also feel pain in the tendons, ligaments and the areas of the joints. Another characteristic of fibromyalgia is a pronounced state of fatigue that takes over the entire body. The symptoms of fibromyalgia resemble those of rheumatoid arthritis and due to this fact, fibromyalgia may be misdiagnosed. However, unlike people with physical illnesses, the people with fibromyalgia seem to be in perfect health. Although the pain reported by people with fibromyalgia is present, it occurs on the premises of abnormal brain activity.

People who suffer from fibromyalgia have a very sensitive nervous system and a low tolerance to external stimuli. Increased nervous excitability is considered to be the cause of the intense, recidivating pain experienced by people with fibromyalgia. Statistics indicate that more than 3.7 million Americans are diagnosed with fibromyalgia. This is a disturbing fact, as modern medicine hasn’t yet discovered a specific cure for this type of neurological disorder. In fact, although scientists have established a connection between abnormal brain activity and the symptoms of fibromyalgia, the exact causes responsible for the development of the disorder remain unknown. In present, fibromyalgia treatments are solely focused on ameliorating its symptoms, instead of overcoming its causes.

Although most fibromyalgia treatments can ease the muscular pain and discomfort characteristic to all people with the disorder, these symptoms seem to reoccur on a regular time bases. This is due to the fact that fibromyalgia is a chronic disorder and therefore it needs ongoing treatment. Fibromyalgia treatments mostly consist of painkillers and anti-inflammatory drugs (used solely for their analgesic properties). However, apart from intense pain, many people with fibromyalgia complain about having trouble sleeping and feel a pronounced state of fatigue throughout the whole body. Therefore, in some particular cases, fibromyalgia treatments may include sedatives in order to correct the patients’ sleeping problems. As a consequence of the fact that modern medicine is unable to trace the actual causes of the disorder, the symptoms of fibromyalgia can only be corrected by prescribing a certain treatment for each individual symptom.

Therefore, the majority of fibromyalgia treatments consist of many types of medicines that target different aspects of the disorder. Other physical symptoms of fibromyalgia are: migraines, lack of concentration, body weakness, decrease of the short-term memory, accelerated heart rate, nausea, abdominal pain and bloating, vomiting and diarrhea. When patients are confronted with these symptoms, the fibromyalgia treatment includes medicines appropriate for each particular problem. Fibromyalgia can even cause depression and in this case the fibromyalgia treatment will include anti-depressives. The multitude of fibromyalgia symptoms requires a multitude of fibromyalgia treatments. Due to this fact, many people who follow ongoing medication either develop increased tolerance to drugs and need higher doses (especially in the case of analgesics and sedatives), or they start feeling even worse than before due to the side-effects of the fibromyalgia treatment. However, there are other forms of fibromyalgia treatments that can relief the symptoms of the condition without relying on drugs.

These fibromyalgia treatments involve kineto-therapy and massage therapy. By stimulating the trigger points on the body (the places where the pain is the most intense) and through the means of therapeutic massages, the muscular pain and fatigue can be diminished. Medical experts strongly recommend these forms of therapy instead of ongoing fibromyalgia treatments that involve drugs.

Online Characteristics of fibromyalgia treatments

Introduction to oil painting techniques

Oil paint is an amazing versatile medium. It can be applied in a thick buttery fashion or thinned down to a watery consistency. This versatility opens the door to a number of different painting techniques. My personal preference is to begin my oil paintings by first sketching out the composition using acrylic paint or with water-soluble oil paints. The popular approach to oil painting is to thin the paint with turpentine to apply your initial layers. Turpentine is quite toxic and I prefer not to work with it. Acrylic or water-soluble oil paints can be thinned down with plain old water and are more pleasant to work with in my opinion. You can also begin your oil painting by first drawing out your composition. There are a few drawing mediums that work quite nicely with oil paints.

My two favorites are vine charcoal and water-soluble pencils. I prefer vine charcoal because it doesn't smudge like other charcoals and it can be erased easier. Water-soluble pencils are wonderful because they can be applied like ordinary colored pencils and can also be dampened with a brush allowing you to spread out the color. If you are the impatient type, you may want to try your hand at the Alla Prima oil painting technique. The Alla Prima method is when you complete the painting in one sitting rather than paint in layers and wait for the paint to dry. Although I usually prefer to work out my paintings in layers, I occasionally enjoy this exciting and spontaneous approach to oil painting. If you are the careful, patient type of painter, you may be interested in working with glazes. Glazing has lost popularity these days, partly because of the time needed to complete such a painting and it's difficulty, but the results are something truly unique to any other type of painting technique. The composition is first painted with an opaque monochrome underpainting, usually in shades of gray.

After this initial underpainting is thoroughly dry, thin layers of transparent oil glazes are applied. Colors are not mixed directly but added in separate layers to get the desired color. If you are the adventurous type, put the brushes aside and try a set of painting or palette knives. You can achieve some very interesting results with knives that aren't possible with brushes. The oil paint can be spread on thickly and scraped off with ease. What I enjoy most about using knives is the tendency to not focus on the small details. I am forced to paint in a more relaxed fashion that creates an impressionist style painting. Get yourself a set of painting knives and try to complete an entire painting with just the knives. It's challenging at first if you are used to brushes, but it's an enjoyable exercise.

Perhaps you would like your painting to have more body and texture. You could try the impasto technique and apply your paint in thick heavy strokes, leaving evidence of all those wonderfully artistic brush strokes. Take a look at a Van Gogh painting and you will see this technique in action. It's really no wonder why oil painting is such a popular choice for painters. There is so much to discover in oil painting.

You will never get bored trying out all the wonderful tools, mediums and techniques.

Online Introduction to oil painting techniques

Work at home business research tips for stay at home moms

Stay at home moms (like they are not already busy) I know seem to desire a work at home business. With kids to take to school and drive around for afternoon activities they seek these opportunities because of they offer the flexibility. Even though stay at home moms do spend a lot of time with their children and do not have to worry about commuting to work, money may be very tight and it's a great way to make a living and contribute to the finances. If you are a stay at home mom looking for a work at home business opportunity, here are some tips. Home business opportunities are abundant, but just like any other business, you have to do your research. Take the time to pick out a business opportunity that is legitimate and gives you the potential to make money. If it sounds too good to be true, then it probably is. Look out for the scams. If you see those desirable ads to make hundreds of dollars a day without breaking a sweat, then I would tend to stay away from those.

While some people do earn money at these "to good to be true" opportunities, the vast majority that buy into these things do not. Remember, all business opportunities are a risk so take the time to choose wisely. The best way to tell if an opportunity is worth it is to look for companies that sell tangible products. If you like the product then you can research the product on the internet. The internet is great for getting information (whether good and bad) about a product. If your research is favorable, then the next step is to spend a little money to purchase the product and try it. Once you decided that you like the product enough to sell it, then it is best to start researching the business side of selling the product. Usually, most opportunities that allow you to sell products are multi level network marketing businesses. These businesses create an environment that allows you to earn money selling the product and make commission off of the people that you sign up and teach to sell the product. Being a stay at home mom usually means that you sacrificed your income potential in order to take care of your family. However, there are plenty of opportunities to supplement some of that income loss. The best thing you can do is not rush into anything and take the time to research it. Think of it this way, if you really capitalize on the opportunity you may not have to go back to work when your kids are in school full time.

Online Work at home business research tips for stay at home moms

The faucet a deciding factor

In the design of your new kitchen, the faucet can be one of the largest, most critical aspects of it all. In many cases, you will find that a beautiful one can be the completion of a beautiful kitchen. But how should you decide and what should you look for in the ones that you consider? If you walk into any home improvement store, you are likely to find many to choose from. It can become overwhelming even. Even though it can be somewhat difficult for you to find the faucet that you know is perfect this is only because you have so many choices. It works well to look at several key points when choosing the right one. • First, look at the metals used. For most, stainless steel is the best choice because of its ability to stay clean and to resist rusting. But, it is not your only option. For example, you may want to think about options such as copper as well. This can make a grand statement! • And, that is the next thing to consider. Do you want the faucet to make a statement about your tastes or be simplistic? Do you want it to stand out or to simply fit in? Consider options that fit these needs. • You should also consider the style and design of the element as well. For some, necessity is all that matters. Even so, you can have a great looking choice that is quite functional. • The bottom line, though, is that you should choose the one that fits your needs the very best. It should feel right, look right and be what you want it to be. The faucet that you choose can show your personality and style, or not. It can be whatever you want it to be as long as you love it!

Online The faucet a deciding factor

No medical life insurance

When applying for life insurance many life insurance companies require you to answer medical related questions and / or to undergo a medical examination as part of the application process. These medical examinations are often required as proof of your health status as given on your application form. They are used by the life insurance companies to help them decide upon the insurance premium you'll be charged for your life cover, and in some instances, as to whether you will be given life insurance at all. Life insurance products where intensive medical questioning and / or a medical examination is required effectively penalise you for pre-existing medical conditions, pushing up the cost of life cover. Taking a medical examination may also prove stressful, especially for the elderly who are looking for life insurance coverage later on in life. Increasingly though, life insurance companies are offering life insurance products where no medical is required. What's more some life companies even guarantee acceptance before you apply! What is no medical life insurance? No medical life insurance, to use a well-known phrase, does exactly what it says on the tin! It is a life insurance product where no medical examination is required. You may not even have to answer medical questions and yet still be guaranteed acceptance for life insurance. No medical life insurance is open to people of all ages, so whether you're 20 or 65, no medical life insurance can give you the peace of mind that your loved ones will be financially secure in the event of your death during the term of the life insurance policy. You may be questioning the ethics of such a life insurance scheme at this point? If you are don't worry! No medical life insurance is all above board, and is in fact offered by some of the most well-known insurance companies in the UK. Even supermarkets like Tesco for instance now have a no medical insurance policy available for the over 60s. The premiums on life insurance where no medical is required are competitive too. Life cover can be acquired for as little as Ј7 per month, with some life companies guaranteeing that the insurance premiums on no medical policies will not rise through the life of the policy. Of course, how much you pay into the life insurance policy each month will affect the final life insurance total available upon death. Generally, there are no issues involved with increasing the life insurance premiums later on of your own accord should you wish to do so.

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