How you can become a super affiliate

How You Can Become a Super Affiliate The humdrum existence of going to the office day after day doing the usual 9-5 shift is a trying task for those who have lived all their lives doing so. This is why the convenience of doing work at home under amazingly flexible working hours is a dazzling prospect to them. Doing work at home that is as fulfilling as having a career working for a computer on the 19th floor of a skyscraper is already a possibility in these modern times. This is because the jungle-like network that is the internet has given birth to a business that has given some people practically new lives doing nothing but so. This particular business allows people to work at home under flexible working hours. There is no boss to scream around putting pressure on everyone about the deadline at hand. There is no clutter of messy paperwork that needs to be completed the soonest possible time. Conveniences such as these are experienced by those who are into affiliate marketing, the newest way to earn money without having to go through all sorts of routine found in regular employment. Those who have been in the business long enough can attest to the fact that it is a lucrative business indeed, one that can actually give people things that they could not possibly possess or experience under ordinary circumstances. The business called affiliate marketing involves an affiliate’s promotion of a merchant’s website. Here the website owned by the affiliate is made to advertise and market the website of the merchant through the affiliate program that they run. Whenever someone clicks on the merchant’s website promoted by the one owned by the affiliate, the affiliate is given a commission. This is in recognition of his effort in helping the merchant make a sale. The system involved in affiliate marketing seems easy, but it also takes a lot of diligence and perseverance for one to be able to penetrate it thoroughly. Those who want to get into this type of business should possess the necessary skills to be able tread through the industry with confidence and self-assurance. Still, other factors are needed by one to be able to really break in. Knowledge about the business at hand is very important as it dictates the actions that are to be done by people who are into it. The leading figure in affiliate marketing is the super affiliate. He is basically an e-mail marketer who collects large databases of e-mail addresses through newsletters. Super affiliates are also those who know the business even better than affiliate managers as a result of their knowledge about the affiliate marketing industry inside out. Those who want to be super affiliates should know that becoming a super affiliate is not easy, because it takes a lot to be able to master the marketing craft. Becoming a super affiliate means having one’s own website and autoresponder. These tools will help a lot in one’s facilitation of the business. Building one’s own list is another. Creating a loyal customer base and taking care of it is one secret that successful super affiliates have. Making good customer relations is also important if one wants to be a super affiliate to reckon with. Continuing to market to the people on one’s list is another must if one wants to succeed as a super affiliate. Sending out quality content in lieu of ads is an advantage as products are marketed better whenever enough information is given about them. Building traffic to one’s own site is also one of the most essential points in the affiliate marketing business. Making one’s affiliate links his own business will allow him to build a strong relationship with his customers, enabling him to market to them over and over again. The most important thing one should remember if he wants to become a super affiliate is to treat affiliate marketing as a business first and foremost. If he is capable of doing this, then he will never have to go back to the humdrum existence of working the 9-5 shift. A career as a super affiliate in the business which will change his life forever could possibly take that unexciting job’s place.



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How many bowel movements should you have each day

Most doctors don’t ask you about your regularity. They may think it is not important to have a bowel movement every day. In fact, some doctors think its ok when you have 2-3 bowel movements a week. If you have one, two or more bowel movements a day, you may still be constipated. If you are leaving fecal matter along your colon walls because you don’t eat enough fiber this is considered constipation. Remember constipation is really the elimination of all fecal matter that passes through your colon from the food that you ate in the previous meals.

If you sit on the toilet and have to stay there over 5-10 minutes pushing, straining, or paining to have a bowel movement, then you are constipated. Straining to have a bowel movement, overtime, leads to hemorrhoids, varicose veins, or fissures. If you eat three meals a day, then you should have three bowel movements each day. The first bowel movement should take place in the morning when you wake up or soon after you have had breakfast. Typical you should experience the urge for a bowel movement 20-30 minutes after you eat. The other bowel movements should be during the day and just before bedtime. In her book, Healthy Digestion the Natural way, 2000, D. Lindsey Berkson defines constipation as, “A healthy person should have at least one bowel movement a day. Medical textbooks state that individual variation goes from several times a day to several times a week. However, having worked with people for many years on improving their health, I would define constipation as not having one to several daily bowel movements, or having too long an intestinal-transit time.” If you eat three meals a day and only have one or two bowel movements, then the second and third meal are backing up in your colon and staying there too long. When your fecal matter stays too long in your colon, water and toxins are pulled out of the fecal matter and absorbed through your colon wall. This makes the fecal matter stiff and hard. Your colon will now have a hard time moving this hard fecal matter through its sections and out the rectum. The result is puffing and straining in the bathroom.



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Finding vintage disneyana

Finding Vintage Disneyana Vintage Disneyana has become a personal passion of mine. I’ve been searching for it for years now. I attend art auctions regularly, but usually only find vintage Disneyana at a small percentage of them. I found a darling 1938 Knickerbocker Mickey Mouse dressed in a Santa suit at an art auction a few years ago. This was an extraordinary vintage Disneyana find. There was some very fine crazing to the face, but no flakes in the paint. I did some research after the art auction and it turns out that my vintage Disneyana has quite a history. This toy was a one of a kind Mickey Mouse toy made by Knickerbocker for a department store at Christmas and was given away for a contest. I was happy that the beard was real wool fur. I searched for several years at art auctions until I found a Mad Hatter china teapot. This vintage Disneyana was made in 1951 by Regal for Disney. I always loved Alice in Wonderland and this teapot was very special to me. My love of vintage Disneyana runs through lots of mediums. I buy figurines and paintings and anything else that strikes me as special while I’m at art auctions. If something is really rare or unusual and still has a whimsical feel to it, I’ll try to win it. I found a painting that I fell in love with. It fit with my love of vintage Disneyana. The painting was created in 1949 and depicted the Cinderella castle. It was originally created for a Disney holiday card. I won the painting for four thousand dollars and felt like I had gotten a great deal. The old Disneyland maps have become very expensive pieces of vintage Disneyana. I have been finding more of the old maps at art auctions, but they are usually not in good shape. The nicest map I’ve found was from 1958, which is also the year I was born. The 1958 map of Disneyland was the first one that was made poster sized. The art auction I found this piece of vintage Disneyana at had numerous Disney lots up for auction that day. I had not expected to find such a great item. This map had been stored rolled and had never been folded. I paid two thousand dollars for it and it was worth every penny. Snow White and the Seven Dwarfs was my little sister’s favorite movie when we were kids. I look for vintage Disneyana that features it when I am art auctions. The best item I’ve found for her was figurines from the 1950s that were of Snow White and six of the seven dwarfs. There was one figurine missing, Sneezy. My daughter has fallen in love with Bambi. She had me buy her the DVD and she has watched it over and over again. I was at an art auction and found a nice Bambi figurine while they were auctioning off vintage Disneyana. I gave it to her for her last birthday and she says that it is her most prized possession! I was shocked at an art auction that I attended that had a wonderful 1930s Mickey Mouse lamp and lampshade. The art auction had not even advertised that they were auctioning vintage Disneyana. If they had advertised this item, I know that more people would have come to the auction. I won the lamp for five hundred dollars because I had no competition. The most common vintage Disneyana that I find at art auctions is watches. I don’t like watches. I never buy any of the Disney watches. I am usually disappointed when an art auction advertises vintage Disneyana and all they have up for auction is watches. I bought an autographed Fantasia album at a vintage Disneyana sale. The art auction had a lot of signed and autographed items and Disney items were among them. The signatures on my vintage Disneyana included Walt Disney, Leopold Stokowski (the conductor) and both of the original animators, Frank Thomas and Ollie Johnson. This was a fantastic find for my collection. 682



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The rapid vehicle motor company

The Rapid Motor Vehicle Company was started in 1902 by Max Grabowski. It was the manufacturer of some of the earliest trucks and was purchased in 1909 by GM. In 1912 the name GMC was first used at the New York Auto Show and in 1996 the suffix Truck was dropped. What most people don't know is that GMC also makes cars. In 1902 Max Grabowski founded a company called the "Rapid Motor Vehicle Company", which developed some of the earliest commercial trucks ever designed. In 1909 the company was bought by General Motors to form the basis of the General Motors Truck Company, from which GMC Truck was made. In 1912 the name "GMC Truck" was first shown at the New York Auto Show. In 1996 GM dropped the word 'truck' from the GMC Truck name, thus creating the GMC name as we know it today. There never was a Grabowski Motor Company or a Grabowski Motor Corp.

They now make personal automobiles, as well as pickup truck and bus engines. General Motors Corporation NYSE: GM, also known as GM, is a United States-based automobile maker with worldwide operations and brands including Buick, Cadillac, Chevrolet, Daewoo, GMC, Holden, Hummer, Opel, Pontiac, Saturn, Saab, and Vauxhall Chevrolet and GMC divisions produce trucks, as well as passenger vehicles. Other brands include ACDelco, Allison Transmission, and General Motors Electro-Motive Division that produces diesel-electric locomotives. GM also has stakes in Isuzu, Subaru, and Suzuki in Japan and a joint venture with AutoVAZ (Lada) in Russia. In December 2003, it acquired Delta in South Africa, in which it had taken a 45 percent stake in 1997, and which is now a fully-owned subsidiary, General Motors South Africa. GM's headquarters are in the Renaissance Center in Detroit, Michigan. General Motors is the world's largest vehicle manufacturer and employs over 340,000 people. In 2001, GM sold 8.5 million vehicles through all its branches. In 2002, GM sold 15 percent of all cars and trucks in the world.

They also owned Electronic Data Systems from 1984 to 1996 which is a former Ross Perot company and, prior to selling it to News Corporation, DirecTV. GM owned Frigidaire from 1918 to 1979. The current chairman (since May 1, 2003) and chief executive officer (since June 1, 2000) is Rick Wagoner, succeeding John F. Smith, Jr. General Motors is selling its 20 percent stake in Fuji Heavy Industries, the parent of Subaru, in a deal that could raise more than $700 million as per news released on October 6, 2005. Also, General Motors Canada auto workers voted on Sunday to ratify a new contract that will lay off 1,000 workers over the next three years, the Canadian Auto Workers and GM said. General Motors lost 2.5 billion dollars last year, and would have made a profit if it was not saddled with 6 billion dollars in health costs. The UAW and GM are now reaching agreement to reduce this health cost by about 1 billion dollars annually.



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Enhance profits for your home based business with affiliate programs

A home based business offers you the opportunity to work at home while earning profits on a full-time or part-time basis. You can often set your own schedule and create a comfortable office setting that enables you to do your daily home business tasks. What you may not realize is there are more ways than one to start your own home business. With an Internet home business, you can enhance your profits with affiliate programs by adding these to your already successful website or by promoting them solely as your business. Affiliate programs are opportunities in which you send customers to another company and receive commissions when those customers make a purchase or sign up for a service. As an affiliate, you will be promoting someone else's products and business while you enjoy a percentage of the profits. There are advantages and disadvantages of affiliate programs, but once you understand how they work, you can easily start a home based business by promoting the skills and products of others.

Benefits of Affiliate Programs for Home Business With affiliate programs, you're able to have a completely online home based business. By this we mean you can work entirely from home online without visiting customers or businesses in person. You don't have to network around the neighborhood with friends and family members. You can do all your promotions online from home, and with many programs, you'll never have to come in direct contact with customers. Affiliate programs offer a legitimate home based business opportunity without the high startup costs of a regular business. You don't have to stock inventory, accept credit card payments, or ship any products. Disadvantages of an Affiliate Program The main disadvantage of an affiliate program is a lower conversion ratio. It's commonly known that you must promote the right product to the right audience to make a sell in any business. But with affiliate programs, this is still true plus you must promote to even more people. The conversion ratio for purchases is often lower with affiliate programs than if you were to sell your own product directly. Therefore, you must promote diligently and be sure to do plenty of research to find the appropriate products with good conversion ratios. Another disadvantage is you're at the mercy of each affiliate company. If they go out of business, so do you! It's a good idea to sign up with several reputable, established companies so you won't have to worry so much about this. Recurring Income An affiliate program can be more beneficial if it offers ways to make residual income. There are some affiliate programs that offer services with recurring payments from customers, such as hosting services, marketing services, and so forth. These will often pay you every time the customer makes a payment so you can earn again and again just from one customer. Other services might offer you commissions on every future purchase made by one customer. Both of these setups are often more profitable than one-time sales unless you can find a one-time program that pays really well for that one payment. Add Affiliate Income to Your Current Home Based Business Another home business idea is to add related affiliate programs to your current home business. You might sell your own product, but want to add other products or services without adding to your labor. Affiliate programs can enhance your income without adding more work or products. You can add affiliate links to your current website and receive commissions every time someone makes an affiliate purchase. You might ask, "What's the best home based business with affiliates?" This is a difficult question because everyone is different. You have to consider what you enjoy doing and the types of products or services that interest you. Find something you love doing so you won't burn out after a year or so. Discover home business opportunities that pay well AND give you a sense of fulfillment every day. With an Internet home business and affiliate programs, you'll soon enjoy profits never before imagined while doing the work you love from home!



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A guide to consumer credit counseling

When debt begins to build up uncontrollably, it may seem as though the only way for you to get out of debt is to file bankruptcy and deal with all of the negative repercussions that come with it. Luckily, there is another option… in many cases a service known as consumer credit counseling can help you to avoid bankruptcy while eliminating your debt and getting you back to where you need to be in regards to your credit. A variety of consumer credit counseling services have come into being within the past several years, and so long as they continue to provide services that help individuals avoid personal bankruptcy, it seems that there will be a need for these services for some time to come. What Is Consumer Credit Counseling? Consumer credit counseling is a method for resolving the debts of an individual without filing for bankruptcy, using a third party to negotiate settlements with creditors and to assist in budgeting money for debt repayment. Consumer credit counseling services don't issue loans or offer any sort of repayment themselves; they simply help you to manage your money so that you can repay your own debts, while at the same time working with your creditors in an attempt to get them to reduce the total amount that is owed. This allows you to pay a reduced amount, while it allows your creditors to avoid the additional expenses of collection attempts and possible court costs. How Do Consumer Credit Counseling Services Work? Consumer credit counseling services operate in two ways...

they are either non-profit organizations that operate off of government grants, or they are for-profit organizations and charge a nominal fee for their service. Regardless of how they make money, the core of the service that is provided remains the same; negotiation with creditors (many of whom they already have contacts with) and assisting individuals in debt with their budgeting and repayment. Depending upon the amount of money that is owed, some people can get through the credit counseling service rather quickly and have all of their debts reduced and repaid. Others may find themselves taking several months or possibly a year or more to repay their debts, even after negotiations reduce the total amount owed.

The time spent doing so is usually worth it, however, as the individual who spends a year or more would likely have no other option aside from bankruptcy if they had not chosen credit counseling. Avoiding Consumer Credit Counseling Scams As with most services concerning money, there are those who will try to present themselves as consumer credit counseling services in order to scam money out of individuals who are desperate for a way out of debt. These scams usually present themselves as offering instant debt relief or claim that they can cancel debts that you owe for a fee. What they usually offer, however, is a business tax ID number to replace your personal ID. The worst part of this is that it is usually legal for a business such as theirs to request a new tax ID number, but should an individual use it in an attempt to gain personal credit they are subject to fines and possible criminal charges. Before signing up with any debt relief service, it's important to check out their background and obtain references if possible… especially if they charge large fees for their services or claim to offer instant results. You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:



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The big picture 5 questions that can boost your business

As business managers, entrepreneurs, and Webmasters, we strive for unobtainable perfection. Why do I say unobtainable? Because when we focus on perfection in one area, we forego attention elsewhere. Limited money and time mean you must choose from the endless parade of advice and recommendations. This creates a dilemma. How do you choose which to embrace and which to pass up? Consultants, specialists, and/or other departments within your company will eagerly give advice from their viewpoints. You will hear the benefits of focusing on "___" (Fill in the blank with appropriate specialty.). This is not a bad thing; it is their job to sell you on the advantages of their specialties. It is *your* job to probe for the downsides and tradeoffs. Different Perspectives Back in my brand management days, it was sometimes frustrating when individual departments could not grasp The Big Picture. The graphics department and the outside ad agency wanted to get artsy when artsy wasn't the best strategy. Manufacturing was only worried about throughput and efficiency - never mind what the customer wanted. Each department was doing what it could to optimize its own function, but this did not always work in The Big Picture. If all functions were "optimized", it could be to the detriment of the project. When resources are spread too thin and timelines expand, implementation suffers. In the virtual world the same Big Picture problems occur. Search Engine Optimization (SEO) firms focus on page optimization and submission. Copywriters tout the best way to write content. PR firms tell you how to send press releases. Marketing gurus sell proven programs. Yes, 95% of the advice makes sense in theory. Toss in a dose of reality, however, and you may have an unmanageable mess. The Big Picture When reality hits, you find it is simply impossible to optimize all areas of your business. You cannot grind everything to a halt while you try for detailed perfection. God may be in the details, but profit is in the implementation. As manager or "chief cook and bottle washer", it is your job to bundle the advice into a profitable package and make it work. Once you accept that some areas are going to be initially less than perfect (Providing you with opportunity over time to improve.), the challenge is to figure out what makes sense for your business and site. When is it critical to optimize and when is less than perfect acceptable? When considering specialist's advice, ask yourself these five questions: 1) Does it solve a problem? One of the best ways to comprehend the importance of an action is to relate it to a problem. If you think strategically - first identifying your major problems, then designing solutions to solve those problems - your business is more likely to thrive. 2) What are my alternatives? There is always more than one solution to a problem. If you evaluate different approaches, you will ultimately make better decisions. 3) What are the downsides? Perfection and optimization are in the eyes of the beholder. What you see as a disadvantage may seem trivial to the specialists. Ask questions and do some research on your own to uncover the downsides. 4) Is it likely to be profitable *for me*? It is a cruel fact that larger companies can afford programs that smaller companies and individuals cannot. If you have to go into debt or dramatically reduce other critical activities to implement a program, your cost increases dramatically. In these cases, carefully weigh the resources required against the potential gain. 5) What happens if I do not do this? Some activities are "niceties" and some are necessities. Know the difference. If you are losing customers to other sites or businesses, for example, taking action is critical. Some activities - those you *want* to do but do not help solve a significant problem - can be pushed to the back burner. Incorporating The Big Picture into your decision-making is critical. When you ask yourself these five questions, you are in a better position to make the right decision. Your business depends on it.



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Wireless networking cards a closer look

Ok, so you've read all the cool stuff and heard all the great things about going wireless and then it just hit you. However, that works you don't know or care but it hit you. That was it, the little voice in your head said, "do it" and that was that. Unfortunately, that was awhile ago and since that "moment" you've done your part. You did some research into what was needed to upgrade your computer but it's all just so darn confusing. You keep thinking, why can't someone just give me a few basics so I feel more comfortable about this whole "upgrading" process. If the above paragraph describes you and if you're the typical computer user it probably does, then it's time to exhale, calm your nerves, grab a latte and settle in because hopefully this article can shed a little understanding on at least one aspect of going wireless - the network card. Like most "typical" computers users, you love your computer and you've pretty good at surfing the net, using email and you've probably even gotten fairly proficient at using your favorite word processing program but when it comes to some of the more technical aspects of your computer or computing in general, you are probably about as close to a "deer in the headlights" as you can get. Hey, no problem because you've stumbled across a source that hopefully can shed a little light into that wireless networking card abyss. See, those searching skills do come in handy. Let me start out by saying that when it comes to selecting a wireless networking card you can pretty much ignore all the hoopla except for the following three key factors: range, speed, and standards. Ok, let's do it and take a look at a few specifics. Below is a typical specification for wireless networking card. This one just happens to be for a Linksys wireless PCMCIA laptop card. Frankly, I can't tell you if this card rocks or it stinks, I'm simply using it as an example. And with that, let's take a closer look. Here's the description from Amazon: 11 Mbps high-speed transfer rate; interoperable with IEEE 802.11b (DSSS) 2.4Ghz-compliant equipment; plug-and-play operation provides easy set up; long operating range (up to 120m indoor); advanced power management features conserve valuable notebook PC battery life; rugged metal design with integrated antenna; compatible with virtually all major operating systems; works with all standard Internet applications; automatic load balancing and scale back; model no. WPC11 Like I mentioned above, most of the specs can be ignored. To start with, "compatible with virtually all major operating systems." That means nothing. It's simply fluff to expand the description to make the card appear better. Range Take a look at where it says "up to 120m indoor". This means that the maximum range of the wireless card is 120 meters -- sure if everything was perfect. And by the way, one meter is equal to about 39 inches or 3 feet. However, in the real world where nothing is ever perfect interference caused by thick walls, other power sources and the list goes on could reduce this number by as much as 90% - so just be aware of this. And without enough range, your wireless network is no longer wireless and therefore - worthless. It serves no purpose to go wireless if you have to keep your computer next to the wireless port in order for it to work or if you have multiple computers to keep them all in the same room to get them to connect to each other. As a rule of thumb, unless your walls are made of drywall or wood, it's best to buy about four times the strength you think you'll need. Even in perfect conditions, get twice what you think you'll need - just to be safe. Speed Take another look at the description and find where it says Mbps. Mbps is the speed of the wireless connection - 11 Mbps is about one and a half megabytes per second. All 802.11b wireless cards have a speed of 11Mbps, while 802.11g cards run at 54Mbps or nearly 5 times faster. And of course, the next generation will be even faster. Clearly, speed is important to your wireless network because it's going to directly influence how long you have to wait to connect, how fast pages upload, file transfer rates, and your overall computer experience is always better when things download faster. I don't know about you but if something takes more than a few seconds to download, I start to get impatient. However, because there are currently very few Internet connections running at speeds over 11Mbps - it's really as much as you need, at least for now. Standards You've probably noticed in the above specs the number 802.11 followed by a letter b. The b is the standard that the wireless device conforms too. Currently, there are 3 standards - a, b and g. In a nutshell, 802.11b and 802.11g are compatible with each other while 802.11a isn't compatible with either. Due to the incompatibility issues with the other two standards and because it's an older less robust standard I would stay away from cards using it. Between b and g, b is cheaper but slower, while g is more expensive but faster. It's also worth considering that adding a b-speed device to a network that has g-speed devices will often slow the whole network down to b-speed, making the g-devices pointless. Basically, the network will operate at the speed of its weakest link. If your wireless device doesn't conform to the right standards, it's not going to be much good to you. I often see uninformed people bidding for used wireless equipment on eBay, not realizing that it's going to be terribly slow and may not work with other equipment they might have. Always check what standard the wireless equipment is using and if you don't know the 802.11 letter, don't buy it! A great place to research and find answers to everything "wireless" is Zephyr Net. Simply click the Wifi Hotspot link in the resource box below. This article may be reproduced only in its entirety.



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About marketing credits from web hosting sign up

It's today trend that hosting provider is offering these marketing credits for new customer that joined their hosting plan. After you sign up, and the marketing credit coupon code will be made available from your hosting control panel. Next, you will need to setup a new account with those marketing network and apply the code to redeem the free credits. Normally, people that already have the account with those marketing network, will just ignore the new coupon code they receive. But some smart folks, will get a new account setup with google adwords and apply the coupon and get the free marketing money. We not talking small money here.

Some hosting offering adwords credits up to $50 or even $75 dollars. And this money can be used to exchange you hundreds of website visitors and converted into sales. It’s the model for your website promotion. Second options is to sell off those coupon code that you have. And yes, its very common thing we seen in ebay where people auction off their coupon code. Alternative market place will be web hosting forums or webmaster forums.

Why wasting the ‘money’, lets convert it into cash. Currently the web hosting provider that offering the best marketing credits are ixwebhosting with up to $175 marketing credits, and midphase with $150 marketing credits. When you getting those coupon code, make sure you make some good cash with it.



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How to get your own 0 apr credit card

A great way to do your daily business is to have all purchases put on your 0% APR credit card. The convenience is there of using a credit card, and the luxury of knowing that the amount owed will not receive any interest charged to it. In a day of high interest, you could probably use such a card, and this article will tell you how to look for the one that is best for you and how to get your own 0% APR credit card offers. Here are some things that you should look for. You Need Good Credit This is the primary prerequisite to getting that 0% APR credit card. Nearly all credit card companies will require either a rating of good credit or of excellent credit before they will give you this type of card. So, if your credit just is not up to that level yet, know that you can work to bring it up to that level, and then - there are rewards for you when you get there. It Is An Introductory Offer The 0% APR is only an introductory offer that lasts for a specified amount of time - not the life of the card. When doing your comparison shopping for a 0% APR credit cards, be sure that you compare the time period involved. It may be for as short as 6 months, a year, or even as long as 15 months. Balance Transfer Or All Purchases Some credit card ads that say 0% APR credit cards only refer to the balance transfer option. In other words, only the amount that you transfer from another credit card to the new one receives the 0% APR. All other purchases receive a regular rate of interest for that card. Be sure that you look carefully to see if this is what is meant by 0% APR, or if it means all purchases. Online 0% APR credit card comparison charts will usually show the items in a way similar to this: Intro APR Period and Regular APR. The regular APR, of course, refers to all purchases made after the introductory time period. Cash Back Option Why settle for just 0% APR, when you can even get an additional savings? More ways to save - whether it be cash, or points, definitely sweetens the pot a little bit more. Again, though, you have to look around and do that comparison shopping for your 0% APR credit card. Watch out for the need to leave a monthly outstanding balance in order to receive your cash back rewards. Annual Fee A rather small percentage of these credit cards do have an annual fee. It seems that they might be hoping that you don't compare the cards too carefully. This fee can go from anywhere between $15 all the way up to $135.00 (more for a business card). Interest Rates Eventually, the day when your rates return to normal will come. Or, typically, if you miss a payment, or are late with it, you can find yourself being charged the full interest rate. Interest rates for these kind of cards are normally low -- as long as the payments are made, on time. These rates will vary from a low of about 7.99% up to about 15.99%, depending on the particular card. With these tips about what to look for when you're in the market for a 0% APR credit card, you should be able to find just what you need. Do your comparison shopping carefully, and make an educated decision - and keep tabs on your monthly bill, too, for any extra charges.



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Choosing the best reward credit cards for you

With so many reward credit cards to choose from, how can you pick the best one for you? Here are some questions which you can ask yourself before deciding on which reward credit card you'll be getting for yourself: What type of reward do you really want? Rewards credit card may offer travel rewards, gas rewards, and cash back rewards. Which type of reward really suits your lifestyle? Make sure that the reward program you'll choose is something that you can really benefit from. Does it have an annual fee? Some reward credit cards charge for a high annual fee to continue your membership in the rewards program. If this is the case, does the annual fee off set the rewards you earn for the whole year? For example, if you need to spend $100 or more for the annual fee just to get a $50 reward points, then that's not much of a benefit. However, there are many reward credit cards today that offer a free annual or a low annual fee plus the chance to earn unlimited reward points which truly make a great deal. Does the credit card have a fixed rate or a variable rate? Most reward credit cards have a fixed APR or 0% APR as introductory offer. However, when the introductory period ends, a variable APR applies. Bear in mind that this means your interest rate will be based upon the Prime Rate so there is a risk that when the Prime Rate increases, your APR can also be incredibly high. Also, remember that credit cards have a minimum cap which means even if the Prime Rate falls dramatically, your interest will not go below the minimum cap. How much will it take before you get a reward? Study carefully the point system that applies on the credit card reward program that you choose. You need to be especially aware about the exact conditions when it comes to earning and redeeming rewards even before you sign up the card. Does the one point per dollar spent policy apply on general purchases or does it only apply to purchases you've made from selected stores? If so, then you might want to consider if the affiliate shop you need to purchase from is a store that offers reasonable prices. If you need to buy from an expensive shop every time just to collect points, then you might only be spending more than what you can afford. Is if there is a limit on the number of points you can earn? Some credit cards give generous points for their cardholders but only for a limited time period. Afterwards, you may be restricted to earning just a few points in your account. Is there also an expiration period for collecting rewards? Will the rewards be forfeited if not redeemed after a certain time period? Be sure that the credit card you choose will give you enough time for collecting and earning points, especially if it's a travel rewards card. Otherwise, you might end up collecting points in vain just because you didn't earn enough points in time. Better yet, choose the rewards credit card that lets you save as much point as you can for an unlimited period.



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Unsecured loans and debt consolidation

Consolidating debt through an unsecured loan is one of the main purposes of unsecured loans. Especially for tenants and in general non-homeowners, eliminating debt by means of an unsecured loan is the most common way of doing it. As debt keeps growing, bills keep pilling up; a solution to this financial menace needs to be found without delay. Default and Bankruptcy are not an uncommon result of financial troubles and their consequences are dreadful. It is very difficult for someone who is in debt to repay with his own resources without generating more debt in the future. This is what is known as the vicious circle of debt. Unsecured loans are a great opportunity to avoid the effects of this situation while at the same time reducing debt in order to get debt-free in a short time. When you obtain an unsecured loan, you can use the money to pay off credit card balances, services and medical bills, store cards, other outstanding loans, etc. Bear in mind that since you don’t have to pay everything as soon as you receive the money, you can decide which debts are more onerous and cancel those first. Unsecured loans do not require an asset to be used as guarantee for the loan; this is the main reason why tenants and non-homeowners qualify for these loans easily. It may seem as this type of loans have been especially designed for non-homeowners. However, the truth is that homeowners usually get better deals, even for unsecured loans. This is due to the fact that the ownership of a property increases the overall credit of a person and thus, reduces the risk involved for the lender. Should you decide to apply for a loan, be especially cautious about APR, prepayment penalties, repayment process and other fees and costs. Though you may think you’re about to get a great deal because the rate is lower than every other loan, other fees may rise the overall cost of the loan and you’ll end up paying more than with those other options. There are many banks and financial institutions providing unsecured loans. Everyday, more and more lenders arrive at the market of unsecured loans. The loan industry is growing and you should take advantage of this fact. Many options are available for those seeking an unsecured loan. You’ll soon find out that most lenders have their own online site with online applications to be filled in order to apply for a loan. You can also make use of loan quotes and compare rates and other conditions. The wisest thing to do is to find an online company that offers a variety of lenders dealing with unsecured personal loans. There are few of these, but they present you with the possibility to access many lenders from a single site without having to find them all. You’ll be able to obtain quotes from all of them and compare before making a decision.



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Homeschool children and mass society s values

How do homeschool children get exposed to values other than the commercial values of a mass society? Schools may be able to prepare children to fit into the mass society or to help them find a set of values with which they could resist and reject the values of mass society. What this really means is that schools can teach children to believe what most people believe and to like what most people like. However, they cannot do both: prepare children to fit into mass society while helping them find a set of values with which they could resist and reject the values of mass society. Why? Because, if you stop to think about it, you will see that these 2 items actually cancel each other out. Usually this means that educators opt to believe that they, and they alone, hold out to the young a vision of higher things. They seem to believe that they spend the majority of their time and energy defending children from the corrupt values of the mass media and TV. They also seem to believe that without them children won't hear about good books, Shakespeare, and culture. To them, they (the educators) are the only ones who are thinking about what is good for our children while everyone else is simply trying to exploit them.

However, if you look close enough, you'll see that most schools are far more concerned with having children accept the values of mass society rather than helping children resist them. It's actually become so ingrained within society to think that in order for children to to live reasonably happy, useful, and successful lives they have to be considerably like most other people. In reality, the schools' efforts to sell children the higher culture seldom work because it is quite obvious that these educators value it so little themselves. Today's schools are filled with people who are obsessed with the media-inspired worship of dominance, luxury, and power. This anticulture has done great harm by fragmenting, degrading, and corrupting them. If the schools had a true and humane culture of their own, which they really understood, believed in, cared about, and lived by, then they would put up a stiff resistance which would be able to win at least some of the children over.

Yet, since the culture of the school is only a pale and somewhat more timid and gentle version of the culture of the outside world, nothing changes. So, today's schools are not only unable to guide our children away from greed, envy, and violence, the schools cannot even protect them against each other. Instead, today's schools, regardless of affluence, are filled with children who are only interested in money, sex, and drugs. Where are the children who want to do something to make a better world? I honestly don't think that we should be surprised that our children are most interested in those things which most interest their parents, and other adults. I also don't think that it's the school's fault either. Today's schools are finding themselves being attacked from all sides. They weren't the ones who invented these values. However, to the extent that the schools have tried to combat these values they've failed.

Therefore, they cannot claim that they're teaching children to accept and also resist these dominant values of our commercial culture.



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Selling a structured settlement

With the countless web sites, advertisements, legal jargon and complex issues surrounding structured settlements, it is easy to become overwhelmed and frustrated when you are simply searching for answers and straightforward information. Whether you’ve received a structured settlement already, or if you are just trying to better understand them, you’ve come to the right place for sifting through the messy details. What is a structured settlement? A structured settlement is a series of guaranteed payments (annuities) made over a certain period of time and is usually the result of an injury settlement or another situation in which you are awarded access to a substantial amount of money. It is the alternative to accepting an upfront lump sum. Structured settlements are individualized plans meant to help you cover present and future expenses. Working closely with an experienced attorney can help you to determine an effective structured settlement to give you the security of a fixed income over a set period of time. Example – how it might work: Melissa is injured in a serious car accident and is now unable to work for the next year. As a single parent, she has two young children to care for, not to mention her mounting medical expenses. She knows that she has to pay $25,000 in medical bills at the present time, and she knows that she will need surgery in a few months that will cost an additional $20,000. Her structured settlement can be set up to give her a lump sum to pay the present medical expenses right now, and be structured to give her an additional lump sum at the time of her surgery. It can also give her additional monthly payments equal to her salary for the year that she is unable to work, including an additional monthly payment to hire someone to help her care for her children while she is recovering from her injuries and medical procedures. Once Melissa goes back to work, monthly payments might cease or be reduced. Types of Structured Settlements Designated Period / Period Certain Annuities: Annuities with a designated period of time for the payments to be paid out. They can be made monthly, quarterly, semi-annually, annually, etc. Upon your death, all remaining payments are made to you beneficiary. Life Annuity: Periodic payments for a guaranteed number of years (based on your life expectancy) or for life, whichever is up first. Again, the beneficiary receives any remaining payments should you die before the full amount is paid. Temporary Life Annuity: Pay you for a designated number of years if you are still living, so your annuity ends when you die. There’s no provision for a beneficiary to collect remaining payments. Life Contingent Lump Sum: You’ll receive a lump sum, provided you are alive on the due date. If you die before this date, your beneficiary is not entitled to the amount. Lump sum: You can set it up to receive the lump sum on a particular date, say, fifteen years from now. Your beneficiary will receive the lump sum on the future date if you have died before then. The Details Though structured settlements contain a great degree of flexibility during the decision-making process (how much money do I need now, how much money will I need in the future, what are my present needs?), once you agree to the terms and sign the agreement, you can NOT alter the provisions. It is highly recommended that you have an attorney and trusted broker help you to determine the best payment methods for your situation. You might want to ask the broker to come up with several different scenarios and payment schedules so you can get a comprehensive look at your options. So, even if your situation changes down the road, your payments will not. That’s why it is extremely important to be thorough and careful when creating your payment schedule. Inadequate Payments Unfortunately, life has a way of throwing off our well-thought-out and well-intentioned plans. Even if you’ve done all your homework, shopped around for the best broker, interviewed many attorneys and carefully planned an effective payment schedule, you may still incur a large unexpected expense. Should this kind of situation arise, and you are strapped for cash, you would love to be able to make some adjustments to your settlement plan. Of course, this is prohibited. But you do have another option. You might consider selling a portion or all of your remaining structured settlement payments to an interested third party. Deciding to sell Before you decide to sell, think about what you want/need the money for. An immediate medical expense, buying a home or the decision to go back to school are usually considered good reasons. Examine your needs and the needs of your family as well. Perhaps you want a new home. Do you have children approaching college age? If so, you’ll not only incur significant tuition expenses, you’ll also have less of a need for a larger home. Selling your payments will result in a loss from the full amount. Consider whether or not it is important for you to sacrifice the security and future total amount before you make a decision. You will have to understand the implications, benefits and pitfalls so you can feel comfortable making an informed decision. Will I get the full amount that I would receive over a period of time? No. The amount you would receive over a period of time is calculated by adding interest to the principal amount. Instead, you may receive the present-day value of the amount. This present-day value may have to be further discounted to cover the costs to do the deal. The rest will be sent to you in one lump sum. You might want to shop around to find out where you can get the best deal. Court Order To ensure that you will not be taken advantage of in this delicate process, the government introduced a new federal law in 2002 that requires you to seek court approval when you sell your structured settlement. This law works in conjunction with state laws to direct how the transaction will be completed. Not only does this law protect you, the seller, it also helps the insurance companies who fear that they will face tax consequences as a result of the sale. The law states very clearly that annuity owners and providers do not and will not owe taxes as a result of this transaction. This breaks down the barrier that you might normally face from a reluctant insurance company. Selling Options You do not have to sell the entire remaining amount, or any particular amount, if you so wish. Here are your selling options: Full amount: The purchaser calculates the present-day value of the payments and offers a lump sum Part of the payments: Only a specific number of the future payments are sold at their present-day value Percentages: You may sell a percentage of each payment and keep the remaining balance for yourself Pitfalls of Selling Shady brokers. Selling your payments will require you to contact a broker who can help take care of the proceedings. This means that you might run into some game-playing and/or manipulation tactics if you happen to be dealing with a shady broker. They may promise you a high quote, only to come back and say that they can’t do the deal as is unless they get more money from you. Other brokers may claim to be “qualified” when they have only completed a week-long course. Make sure you’re dealing with a broker who has a couple of years experience in structured settlements and is a member of the Better Business Bureau. You end up losing money. As mentioned earlier, you will not receive the total amount you’d receive over time if you opt for selling your payments. Therefore you lose some money and the security of future payments. It takes time. Though the federal law requiring court oversight in these proceedings helps protect you, it also delays you from receiving the money as soon as you might have hoped. If you need the money right away, this could frustrate you and hinder your plans for prompt payment. Normally once you decide to sell your payments the process can take as little as 4 weeks and as long as 12 weeks to obtain the court order and for you to receive your lump sum. Benefits of Selling The main benefit of selling your structured settlement payments is, obviously, that you will receive a lump sum of cash for which you can utilize in any way you choose. This gives you increased flexibility in using your money, and can provide peace of mind if you have an immediate expense that couldn’t be paid any other way.



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How to start your own small business

Opening your own business can be a real big gamble. If you do not do your research well, you will wind up like most small businesses, and that is out of business in less then 6 months. The most important thing to remember when opening up new business is the location. When doing your research for your new business you want to make sure you are the only business of your time in the area. If you are opening a video store you do not want to open near another video store. Remember if you are exclusive to the area, you will automatically get the business of those living in that area. The next most important thing about opening a small business is you supplier. Do not have just one place to get supplies from, you should have several.

By having more then one you can assure yourself that you are getting the lowest prices from them. And if they know about each other they will try to outdo each other to get your business. Make sure that the products or services that you will be offering are desired, do not just decide to open up a store with out doing any market research is like playing craps, dangerous unless you really know what you are doing. Advertising is important. Remember just like a casino you are trying to make money and not lose it. By spending some money on advertising you will increase your sales from your opening day. It is best to have a professional help you with your advertising rather then dong it yourself, there is no point in spending money on advertising if no one in your target demographic is going to see it. An example of this would be like using facial expressions to bluff in a poker game against blind players. When picking your stock it is sometime better to have a better selection of items and maybe not so many of each item, this way you can see which items sell best and order more of those more popular items, and less of the less desired ones. In business you should not try to open a business unless you already have experience running a related business.

You may think you know how to, but to do it correctly you really need experience, after all if you were in a casino and looking to play poker you would not want a roulette dealer who is trying to figure out the rules as he goes would you? Chances are you would want an experienced poker dealer. Depending on the type of business you are opening try keep your staff as small as possible, and if it is possible try to get friends and family to help you out. This will allow you to keep your costs low until you can really get a good idea of if you are making money or not. Once you are making money you can go out and hire people.



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Hope that this summer could smile for teeth whitening in the uk

In 2007 it was a terrible summer in the UK and this benefited shopping malls and particularly fashion retailers as consumers spent their money on clothes oppose to products and services to make them feel and look good in the sun. Everyone in the UK in 2008 is hoping there is not a repeat of the summer in 2007 and that we experience a positive summer which could see a boom in industries like teeth whitening, sunbeds, outdoor garden furniture etc. When the sun is shining people feel good about themselves and this is why feel god industries like the teeth whitening industry will have a good summer as consumers are likely to spend money on themselves to make them feel and look great. The teeth whitening industry has been growing over the last five years but in the UK when people are starting to think about the summer considerations like their clothes, beauty and even their cars will have a positive impact of many businesses. Unless you have been living on Mars for the last 5 years or totally isolated yourself from the world of movies, TV and television, you've probably realized that more and more people are starting to whiten their teeth to achieve teeth like the stars. It all started a few years ago when famous movie stars first began to use the white strip style teeth whitening kits which required the application of a simple strip of whitening agent across the teeth. However, as time progressed, and people realized that they simply could not make their teeth white fast enough, technology began to evolve, giving rise to the brand new laser teeth whitening treatments of today. Today there is many forms of teeth whitening but laser teeth whitening is becoming more popular as people recognise the treatment is fast and effective and is carried out by laser teeth whitening professionals in salons all over the UK. Before now teeth whitening was out of reach for many people as the dentists were the main people undertaking the treatment but today things are very different and this is a positive move for consumers. Laser Teeth whitening can make you look younger. It can brighten your smile and give you an added boost of confidence when it comes time to show off those pearly whites. Most whitening systems are very affordable. Visiting a dental specialist may not be in your budget and this is why laser teeth whitening is a good option. Customers considering teeth whitening should first go and visit their dentist to have their teeth checked and if necessary have any work undertaken before any teeth whitening specialist looks at their teeth.



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Tutoring what it takes to start and become successful

Humans have been tutoring each other since the dawn of history—how else was the making of fire learned and passed on? This need for face-to-face attention continues today: People are hiring tutors in almost any area in which skills can be taught and acquired: ranging from academic subjects and computer use, athletic skills to hobbies. While most independent tutors have students come to their homes, some go the clients' homes or may be able to use space at the students' schools, or if they're helping students with a sport, they'll use the appropriate kind of field or facility. Academic tutoring has been in particular demand because of the increased expectations placed on high school and even grade school students. As one tutor told us, "What used to be taught in college in the old days is now taught in high school." Crowded classrooms don't enable the individual attention many students require, and parents are finding that their children are not sufficiently prepared for college nor for the entrance examinations necessary for admission. They realize their children often need more personalized attention than they can get from classroom instruction. Taught without the pressure of peers or authorities, many students learn through tutoring what they don't absorb in a classroom. As a tutor, you'll customize what you teach to the level and needs of each of your students. While tutors who specialize in computer topics will need equipment for their students to use, most tutoring requires little in terms of books or materials. Beyond academics, you can also teach or tutor any skill someone wants to learn. Music, the arts, and sports like baseball and tennis are a few such areas where both children and adults need additional help. And remember, it's going to be easier to sell yourself if you have teaching experience or are degreed in the subjects you're tutoring. Tutoring is a word-of-mouth business but to get to this point, you'll need to take the initiative to develop a base of students. This is best done by calling on teachers in the subject areas in which you specialize as well as talking to school office personnel and counselors. You should also spread the word among your neighbors and friends—it's likely you'll find your first students among people you already know. Posting fliers on community bulletin boards, writing articles for or buying ads in local publications and having a Web site are other ways of generating business. Qualifications Becoming a tutor is as simple as saying: I'm a tutor. There are no state or licensing requirements. Of course, parents usually won't pay much for a tutor who has less than a four-year degree. And the more qualified you are to teach your target group, the more successful you will be. In making tutoring your at-home occupation, begin by creating a list of your one-on-one, small group, or other teaching experience. Targeting After developing a list of teaching experiences, you can use it to decide what age group you want to teach as well as what subjects you can teach. A common error for many beginning tutors is assuming that they must be versatile. If you know you can't teach math higher than PreAlgebra, define your tutor offerings in terms of arithmetic assistance. If you simply don't have the patience for the pace of elementary students, define yourself as a Junior High/Middle School or High School tutor. After you have established yourself, you can expand your range. When the students continue to do well in their schools, their parents will begin to ask help for their younger siblings Success Success for a tutor is usually defined by the increase in their tutees' school grades. It only takes one satisfied parent to begin building your tutoring business. When parents are pleased with their child's progress, they are eager to pass along the name of their tutor. Thus, success is also measured in the number of queries a tutor gets from potential clients. Promoting Your Business Word-of-mouth is the biggest marketing tool a tutor has. Most of your clients will come to you because somebody who has already hired you to tutor their child recommends you. But getting those first few clients is almost as easy · even if you haven't got any friends or neighbors who've already hired you and who can spread the word about your availability. Simply devise a resume. Although the top item will naturally be your name, phone number and address, the most prominent item should be your target statement: the ages or grades and the subjects you will like to tutor. This should be followed by the dates and brief descriptions of any teaching experience you deem relevant. (Unlike a regular resume, a tutor resume can have gaps between dates of experience.) The last item on your resume should be your education. Next, take your resume to each of the local schools from which you want to attract your clientele. Stop in at the office and introduce yourself to the school clerks -- parents often ask them if they know of any tutors. Then visit that school's counselor(s) -- describe your teaching abilities and your target students. If the school doesn't have a counselor, visit the principal instead. Finally, put a resume into each teacher's school mailbox. After you've visited all the schools in your target area, take your resume around to the local grocery stores. Many have bulletin boards on which people place sale or service fliers. Other places to post your resume could include: dance or martial arts or gymnastics schools; the recreation offices of local parks; children's play centers or child-oriented restaurants. Some of these places have policies against posting fliers but many are accommodating. Costs There are almost no expenses in a tutoring business. You don't buy textbooks because the students bring their own. Some tutors provide writing utensils and paper but I expect my students to bring this equipment to their sessions. You don't have transportation or site-rental costs because tutees come to your home. You don't even need a special room in your house: I set up a card table in my living room but most tutors use their kitchen or dining room tables. Just about the only expense you have is the printing of your resume. One batch of a thousand one-page resumes should last you about a year. After that, you'll want to update it before reprinting. [ Submitted with ArticleSubmitter Pro - http:// articlesubmitterpro. com]



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5 all natural spring cleaners

Spring cleaning has started. It’s time to get the dirt from the winter off and start clean. I’ve found 5 all natural cleaners I can’t live without while cleaning the house. These cleaners are much safer for us and our environment. I don’t have to spray the cleaner and run of out of the room. My house smells clean and fresh with no artificial smells. 1. Natural glass cleaner • Biodegradable ingredients • Non-alkaline • No phosphates or ammonia • Contains natural ingredients (like white distilled vinegar) instead of caustic chemicals • Uses a concentrated formula, so there is less waste going to recycle centers. The concentrated, biodegradable formula is effective on a multitude of surfaces, including: • Glass • Windows • Aluminum • Stainless steel • Chrome • Mirrors • Appliances 2. Natural floor/rug cleaner. • Versatile cleaner replaces need for other, more dangerous cleaners • No chlorine, ammonia or other caustic chemicals • No toxic or unpleasant fumes—even when mixed with other EcoSense cleaners Mixes Well With Others Unlike many grocery store cleaners, you don’t have to worry about toxic fumes or dangerous reactions when you mix EcoSense cleaners with one another—in fact, it’s encouraged! A mix will tackle even the grimiest barbecue grills, and for taking out greasy stains on clothes. • No-wax floors • Oven tops • Ventilation hoods • Lawn mowers • Bicycle parts • Cement pads • Barbecue grills • Car engines • Garage floors • Decks • Outdoor furniture 3. Natural disinfectant. When used as directed it effectively eliminates 99.99% of: • Salmonella choleraesuis • Staphylococcus aureus (Staph) • Pseudomonas aeruginosa • Mycobacterium tuberculosis (TB) • Trichophyton mentagrophytes • HIV-1 (the AIDS virus) (athlete’s foot fungus) It’s effective on hard, nonporous surfaces, including: • Countertops • Sinks • Garbage cans • Toilet seats • Pet habitats • Prostheses & orthotics • Sports equipment • Children’s toys • Changing tables • High chairs • Food preparation surfaces • Any other surface where bacteria or unpleasant odors are a concern The patented broad-spectrum, disinfectant formula is EPA-approved for use in a wide variety of residential, commercial, and medical facilities, including: • Day cares • Schools • Nurseries • Hospitals • Nursing home • Food storage areas • Zoos & kennels • Veterinary offices • Kitchens • Restaurants & bars • Cafeterias • Fitness gyms and Spas • Hotels & motels • Medical and dental offices • Health professional, chiropractic, & physiotherapy clinics 4. Natural all purpose cleaner • No chlorine bleach, ammonia or other caustic chemicals • No abrasive cleaners that can pit or scratch surfaces • Leaves behind no sticky residues, is effective on a lot more than just kitchen counters. Put its natural cleansing power to work on • Countertops • Appliances • Pots & pans • Lamps • Crafts • Cabinets • Car interiors • Light fixtures • Artificial plants • Computers • Walls • Whiteboards 5. Natural all purpose cleaner enhancer • Biodegradable • All-Natural • Contains no caustic chemicals • Is packaged in a recyclable bottle Full-strength contains 10% Tree Tea Oil taking advantage of our Oils natural solvent, penetrating, non-caustic and aromatic properties. • Gum in hair • Permanent Marker • Road Tar • Tree sap • Crayon • Paint and fingernail polish • Grease • Pet accidents Use in a 5:1 water solution for: • Deodorizing Garbage Cans • Eliminating moldy odors • Freshening the bathroom • Removing smoke or pet odor from air and furniture • Treating pet accidents Look at a typical household cleaner and you’re bound to find some rather shocking warnings “Use in well-ventilated area” “Avoid direct contact with product” “Excessive inhalation can cause headache, drowsiness, nausea and lack of coordination.” With warnings like these, it’s no wonder Poison Control Centers across the nation field over 200,000 calls each year involving household cleaning substances. Ours contains no caustic chemicals and can be mixed with other EcoSense cleaners without fear of formation of harmful gases. Household chemicals can affect more than just the person using them. According to the EPA, household chemicals and other factors can make the air within a home more seriously polluted than the air in even the largest and most industrialized cities.(1) Many common household cleaners can contain ammonia, phosphates, chlorine and other known offenders. Ecosense contains no ammonia, no phosphates, no chlorine and is made from all natural, biodegradable products. 1. EPA brochure, “The Inside Story: A Guide to Indoor Air Quality,” ( epa. gov/iaq/pubs/insidest. html).



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Using containers for indoor gardening

Using Containers For Indoor Gardening Gardening is a hobby many people love to bide their time with. It gives one a sense of accomplishment when they see their flowers or plants blooming after a few weeks or even months of tender loving care. The plants also add to the aesthetics of the room and sooth the occupants of the home or office as well. There are many forms of indoor gardening. You could have flower gardens, hanging gardens, vegetable gardens, fruit gardens and bonsai gardens. As with the many types of indoor gardening there are indoor gardening tools available to help you make your indoor garden blossom even better. There are fertilizers, insecticides, implements and indoor gardening lights to substitute sunlight. For those who do not have a place to garden outdoors there is always container gardening. Containers are used to grow plants on windowsills or on the balcony of an apartment and are useful when it comes to moving the plants from place to place, be it to optimize sunlight or to redecorate the place. Container gardening is also useful when you have to move from your home; you will not have to leave your beloved plants behind. There are many designs, sizes and colors of containers and pots that can be used to grow indoor plants. Plastic containers are economical and last a lifetime, however, many people like to use hand crafted clay containers for their plants. These containers are very attractive and give a very natural look to the place. Wooden containers made, much like barrels, are another good choice for indoor gardening containers. Indoor gardening is a very satisfying pastime and there is a lot of advice out there for the beginner and even the seasoned gardener to learn from. There are also scores of manufacturers offering implements ranging from the very basic to the most sophisticated for indoor gardening enthusiasts.



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The history of voice over internet protocol

The History of Voice over Internet Protocol By the end of 2006, Voice over Internet Protocol (VOIP) may account for as much as 25 - 40% of international voice traffic. This prediction is impressive, but it is even more amazing when you consider the relatively short history of voice over internet protocol. It began as a hobby for some people in Israel who were only able to communicate by computer. Later that year, in 1995, the first company in the history of voice over internet protocol to put a product on the market was Vocaltec. They released Internet Phone Software, which in combination with a home computer, sound card, speakers, microphone and modem allowed users to make a phone call over the internet. However, the people on both ends had to have the same setup, and sound quality was much less than on a normal phone. In 1998, there were more milestones in the history of voice over internet protocol. Entrepreneurs began to recognize the potential of the technology and soon computer-to-phone and phone-to-phone connections (still using a computer for the transmission) were possible for making voice calls over the internet. The service was available using a phone at a provider's location in North America only. It required the users to listen to an advertisement at the beginning and end of each phone call, but in exchange their long distance calls were free. In 1998, less than 1% of voice calls were made using voice over internet protocol. Businesses began to use VOIP over their intranets to help communicate within their company. But with the introduction of switching equipment in 1998 by 3 manufacturing companies, the history of voice over internet protocol took a turn towards the future. Now VOIP could become more readily available to users at home instead of at a specific facility belonging to the provider. By the year 2000, more than 3% of voice calls were made over the internet using VOIP. Today, there are both hardware and software options for those interested in business VOIP and for their personal use. You can purchase hardware that will allow you to use your normal phone handset when making a phone call. You can buy phones that are VOIP ready and need only an internet broadband connection. Or, you can purchase or download software that will let you use your computer instead of a phone, provided that you have speakers, a microphone, and an appropriate sound card. Many phone companies have begun to offer packages that include local and long distance VOIP calls for a flat monthly fee. With the advent of broadband services, sound quality has become parallel to regular land line phones for the first time in the history of voice over internet protocol. And the number of people using VOIP is only expected to grow.



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