Four wheel drive history willys jeep

Most early motor vehicles had a basic set up with the engine mounted in the front with a gearbox attached to it driving the rear wheels only and this became the normal design of most vehicles for many years. As design progressed engine position and transmission (gearbox) position was experimented with to help with traction and handling. Rear engine and mid-engine vehicles became available as did front and all wheel drive. Four wheel drive vehicles began life early in the twentieth century and a number of companies had their own designs for supplying off road trucks for business and commercial use. The importance of having load carrying vehicles that could transverese harsh terrain was important due to the lack of roads. Both the British and American armies during World War One had four wheel drive trucks for heavy terrain use for carrying troops and equipment. However the need for a true multi purpose on and off road vehicle became apparent. With the onset of World War Two the need for off road vehicles that could literally drive over any terrain became a necessity of the military and with any technology war tends to drive designs forward quickly. In the early days of the war the United States Military required a light-weight four wheel drive vehicle that could transverese almost any terrain.

A number of companies came forward with designs including Bantam, Ford and Willys. The result of this was the world famous Willys Jeep. The jeep proved to be both very rugged and dependable through out the war and by the close it had become well known for its on and off road ability and its durability. After the war the potential within the civilian market for jeeps was clearly apparent and Willys filed for the trademark registration of the name Jeep and began production for the public sector. The first models named Civillian Jeeps (CJ) began production in 1945 and the name Jeep became an icon of tough go anywhere vehicles soon to become a legend to future four wheel drive owners. The history of the Jeep and production models are as follows: 1945 - 1949 CJ-2A 1946 - 1953 CJ-3A 1947 - 1965 Willys Jeep Truck 1948 - 1950 Willys Jeepster 1952 - 1968 CJ-3B 1954 - 1983 CJ-5 1955 - 1981 CJ-6 1976 - 1986 CJ-7 1981 - 1986 CJ-8 1953 Kaiser buys Willys Overland. 1970 American Motors Corporation AMC takes over Kaiser-Jeep. 1987 Chrysler Corporation buys American Motors Corporation. 1998 Daimler-Benz merges with Chrysler Corporation. The modern day Chrysler Jeep has many models and incorporates all the benefits of modern technology and comfort but it has tried to retain some of the old willys features as the front grill shows. Back in the United Kingdom the Land Rover project was first born and the legend began.

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Health insurance 101 for individuals and families

The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation. Below is a combination of ten questions and suggestions that will provide the tools necessary to get a medical insurance policy that will best work for you and your family. What are your typical health and medical care expenses in a calendar year? Most people are surprised when they go through this exercise to learn that they would be financially better off in most years to purchase a high deductible health insurance plan and use the premium savings to directly offset heath care expenses throughout the year. How long do you anticipate needing the health insurance coverage? For example, many companies sell temporary policies that can be put in force for 1-6 months and they are relatively inexpensive. If you are in between jobs or in a waiting period for employer coverage, this may be your best option. What is your budget? If your budget is tight, having a $1000, $2500 or even $5000 deductible is better than having no coverage at all. The ability of doctors and hospitals to save and prolong life in the United States is in many cases extraordinary.

However, their treatment is not free and going without health insurance coverage can in some cases result in you and/or your family losing an entire life’s worth of savings and assets. Be careful to choose a plan that covers the “big stuff”. It is nice to have a policy that covers items such as: physician office visits, routine physicals, outpatient testing, and blood work. However, it is essential to have coverage for major services such as cancer treatment, transplants, critical illness, traumatic accidents, and infectious diseases. Find out the lifetime maximum amount as well as if the policy contains “internal” dollar limits. Always carefully read and understand the pre-existing condition clause and policy exclusions so that you will not be surprised down the road if a claim is denied. This is important whether you are purchasing a standard medical, temporary, or student health insurance policy. Does the insurance company you are considering have a substantial network of preferred doctors and hospitals in your area?

In addition to family doctors, what type of access will you have to specialists and the best hospitals in the event you or a family member is diagnosed with an illness that requires specialized care? Also, what are your options for preferred health care providers when traveling? If you need to go “out of network”, will you still have coverage? Most insurance policies will have coverage in the event you need to go outside of their network for care. However, review how these out of network claims will be paid.

Will there be an additional deductible? How are reimbursement levels determined for out of network claims? What is your maximum out of pocket for out of network claims? Are you looking for an opportunity to reduce your taxable income? If so, make sure your plan qualifies as a high deductible health plan and look into all of the aspects of a Health Savings Account. In the right situation, HSAs can be an excellent way to pay for eligible health care expenses, reduce your taxable income and save for retirement. What are the financial ratings of the insurance company you are considering? A. M. Best, Standard & Poor’s, and Moody’s are organizations that rate the financial stability of insurance companies.

What type of customer service will you get from your insurance agent? Do they specialize in health insurance? Do they have a staff that is willing and able to assist you in the event you have a claim, billing, or other customer service problem? If you do not have the time or patience to look into all of the items mentioned above, develop a relationship with an independent insurance agent that specializes in evaluating and servicing health insurance policies.

A good independent insurance agent will be able to save you time, money, and be an excellent resource for evaluating all of the items mentioned above.

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Why credit cards are a bad idea

When you shop on the Internet or over the phone, it’s the only good way to do it – what else are you going to do, post a cheque? Like anything convenient, though, credit cards have a flip side – in fact, they have lots. Can You Keep Track? When you walk into that shop and hand over the card, the money is taken from the card, and the card goes back into your wallet. You still have all the things you started with – there’s no less money in your purse or wallet to remind you of what you’ve spent. Everyone has a tendency to underestimate what they spend, and smaller amounts can add up quickly on a credit card without you even noticing.

It’s like taking the way phone bills work and applying it to everything you buy – and that can’t be a good idea. Money For Nothing. Using credit cards is a great way of losing a percentage of your income to a credit card company in exchange for nothing. The moment you run a balance, you’re paying them interest. Not only that, but you’re paying your credit card bill as soon as you get your wages, so you don’t have the chance to earn any interest on them from your bank. When you think about it, you’re losing out twice over – and for what?

Designed to Keep You in Debt. Your credit cards are trying to keep you using them and paying interest. You will find it very difficult to pay off all your credit cards once you have them. The company will do everything they can to stop you paying before you’ve paid them lots of interest. The more debt you show you can pay back, the more they’ll try to offer you, until they get you to the point where you can’t pay. The Lie in the Name. Credit cards are called credit cards to avoid saying what they really are: debt! You will do much better in all things connected to credit cards if you always remember this simple mantra: credit cards are debt cards. Use the word debt as often as you can whenever you talk about credit cards. But Sometimes You Can’t Avoid Them. When you need money in an emergency and you just don’t have any, there’s no doubting that credit cards can be useful. They are also a very useful way of proving to credit rating agencies that you can handle debt, and this will be taken into consideration when you apply for car loans or a mortgage. Just remember that whenever you handle credit cards, you’re playing with fire. Do everything you can to keep your use of them to a minimum, and you’ll have a much better financial life.

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Want to loosen uncle sam s grip on your wallet

Talking About Money With Jim Larranaga (ARA) - The average person pays more than $6,000 in federal income tax, according to the Congressional Budget Office. If you cringe at sending a big chunk of change like that to Uncle Sam, you may be looking for ways to keep a little more jingle in your pocket. I'll give you some tips, but, like me, you should consult a tax advisor before taking steps that could affect your tax status. Maximize deductions Give to charity. Support your favorite cause or clean out the attic and donate items you don't want to charity. Be sure to get a receipt for donations exceeding $250. Deduct qualified medical expenses. Consider scheduling elective medical and dental procedures if you think your bills will pass the threshold for deducting medical expenses (7.5% of your adjusted gross income). Don't forget, long-term care insurance premiums may qualify for the deduction. Add up miscellaneous expenses. These and many other costs may be deductible if they exceed 2 percent of your adjusted gross income: union dues, subscriptions to professional journals, tax preparation fees, costs for a uniform you wear at work, expenses incurred looking for a new job and continuing education expenses. Plan for Your Retirement In addition to being a great way to save for retirement, employer-sponsored retirement plans, such as 401(k)s, offer savings on your current income taxes. Generally, the money you contribute to your plan is taken out before taxes, so your taxable income, and thus your tax bill, is lower.* If you're eligible to make deductible contributions to a traditional IRA, the same principle is at work.* But instead of making pre-tax contributions, you make a contribution with money that's already been taxed, then claim a deduction for the amount on your income tax return. Accept Your Losses If you have both winners and losers among your investments, you might consider selling some losing investments to offset the capital gains of the winners. Capital losses can be used to offset capital gains, dollar for dollar. In addition, you may use up to $3,000 of losses to reduce your ordinary income. If you have losses exceeding $3,000, you can carry them forward and apply them to next year's taxes. Be Smart about Higher Education Costs The Taxpayer Relief Act of 1997 created a number of tax-advantaged ways to pay for college. Many of these tax benefits are subject to income limitations and, in some cases, may not be combined. Education IRAs, set up for children under age 18, offer potentially tax-free growth. The HOPE Scholarship Credit or Lifetime Learning Credit may help you lower taxes with a tax credit. Deducting interest paid on a student loan is another possibility. Withdrawals from a traditional IRA before you reach age 59 1/2 are allowed without the usual 10 percent penalty if you use the money to pay higher education expenses. Since tax laws are complex and change frequently, it's important to consult a tax expert to help you plot a strategy for trimming your tax burden. * Taxes will be due upon withdrawal at ordinary income tax rates. Withdrawals made prior to age 59 1/2 may be subject to an additional 10% penalty. Jim Larranaga is Executive Vice President of Priority Publications, a Minneapolis-based publisher of financial newsletters.

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How to best handle health insurance plan changes

Many economists have suggested and recent economic data indicates that the economy is steadily moving in the right direction. A combination of several factors has no doubt had a negative impact on the economy over the last several years. The recent state of the economy, combined with the increasing cost of healthcare, has made it difficult for all size employers to continue to offer the same level of employee benefits. In the case of health insurance, future plan modifications may be necessary over the next few years. After much consideration, these modifications may take the form of increasing deductibles, out of pocket maximums, office visit copays, and prescription copays. Employees may also be required to increase their contribution amount. A vast majority of employees understand the current strain facing employers. Employees are particularly aware of the difficulties faced by medium and small business owners. If you find that plan changes are inevitable, several aspects are very important to pay attention to when modifying your group health insurance coverage. Modify the parts of your plan that provide a savings while having the least impact on your employees.

Make sure the changes are fair to both the employer and employee. Develop and execute a strategy that clearly communicates the plan changes as well as the reasons for the changes. When the outlook for your business does improve, your organization’s ability to capitalize will greatly be dependent on your ability to attract and retain productive employees during difficult economic times.

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Year one for first honda fuel cell vehicle lease to customer

June 29th marks the first year anniversary of the very first vehicle that is powered by a hydrogen fuel cell. In fact, this vehicle is the first of its kind in the world to be actually leased to an individual retail customer and it bears the name Honda FCX. This is the announcement given by American Honda Motor Co., Inc. And Honda is celebrating this event. The vehicle powered by a hydrogen fuel cell has been leased by Honda to the Spallino family who is actually based in the Los Angeles area. Jon Spallino is the person who has signed for the lease and uses the FCX. He comments, “I am surprised at the amount of attention and rubbernecking received while driving the FCX. Despite being a developing technology, we have not suffered from any reliability issues and the car has all the comforts and conveniences we need.” The Spallino family uses the Honda FCX on their everyday drives to their daily activities. In fact, the vehicle has already traveled a couple thousands of miles already. The trips have been largely made to the supermarket, to the Spallino children’s soccer practices, as well as the daily commutes to their workplace. The family has been constantly stopped though by the public who has been very interested about their experiences in riding such a car. Some would even blatantly ask to have a ride in their Honda FCX. But after twelve months, the family is no longer surprised by these actions. On the anniversary of such a lease, Gunnar Lindstrom says, “The lease of the Honda FCX to the Spallino family demonstrates the real-world viability of fuel cell vehicle technology and its ability to meet the needs of a family on an ongoing basis. Honda will continue to evolve and refine hydrogen vehicle technology based on feedback from real world customers, and we’ll see that expressed in future models.” Lindstrom is the senior manager of Honda’s Alternative Fuels Sales and Marketing department.

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How to improve your odds in the casinos

: One of the most important things to remember when playing in a land based casino is that the layout of the casino is designed to pull you into the games with the worst player odds. To help pull you further into the casino the casinos will usually use the bells and whistles of slot machines, and video poker games. This may make you think that the slot machines on the way to the blackjack, poker, roulette and craps tables are the ones to play, but this is usually not the case. The casinos will place some loose machines in the area leading to these games so that you will hear the bells ad look up and see the flashing light from the winning machines, and when you look you will see the table gamming areas of the casino. This method puts the thought of wining and table games into your mind together making you think you can win at the table games. The truth is that your chances of going home from the casinos a millionaire is only likely if you walked into the casino as a millionaire. This does not mean you can not go home with more money in your pockets then when you entered the casino or online casino. It only means that you need to be smarter and not fall for the casinos tricks. Most people come to casinos knowing just the basics to the most popular casino games played today. Everyone knows how to play Blackjack, but there is more to the game then just trying to get your cards close to 21 without going over.

So by studying one game and spending all your time on that game you will be increasing your skills at the game and you will soon see that the basics are not enough when you are playing for money, especially if you want to win. Pick a casino game that you enjoy because this is going to be your game, and you are going to spend a lot of time practicing and learning about the game. Then spend as much of your free time as you can, playing the game. There are many online casinos and web sites that offer you the option of playing poker, or blackjack for free and also offer different variations of the game. This will allow you to get plenty or practice against a computer and other people before risking your money in a casino.

Try to pick a table with other knowledgeable players. Playing a game like poker or blackjack at a table full of amateurs will put you at a disadvantage, but at the same time you do not want to pick a table where you are the worst player no matter how good you are. It is recommended that before sitting at any card game in a casino or an online casino that you watch a few hands to help judge the skills of the other players. The longer you play and the more your skill increases you will be amazed at how much more money you are leaving the casinos with.

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Check credit free score

Check your Free Credit Report and Be Wary of your Score Want to know your financial creditworthiness? Have a credit check and determine your personal credit score. Credit check is usually done to verify whether you are eligible for a loan or on any other forms of credit based on your past credit performances. This will reveal your past as well as your previous credit transactions with different lenders and how you deal with it. Thus, a credit check is the reflection of your past credit performance. It works like a report card, which reveals whether you have "passed" or "failed" in a particular subject. Credit checks are done by lending institutions such as credit card companies and banks on individuals who wish to apply for a loan or any form of credit. In addition, credit checks could also be done by a homeowner whether an individual would be a good tenant or not, as reflected by his or her past credit performance. Insurance firms also run credit checks on individuals who wish to avail of their insurance policies. You can obtain your credit report containing credit-related information from any of the three major credit-reporting agencies. Furthermore, you can obtain your personal credit reports for free as stated in the FCRA or the Fair Credit Reporting Act. Under this Act, every individual is entitled to receive a free credit report from any of the three major credit-reporting companies in the United States once a year - Experian, Equifax, and Trans Union. Your free credit report contain your personal information (such as your name and address), how you paid your past and previous bills, and any delinquencies you have committed such as late payments as well as if you have filed for bankruptcy. To obtain your free credit report, you need to fill up the required form through a centralized credit report website on any of the three major credit bureaus in the United States. You will be required to provide some basic information, which includes your name, permanent address, your social security number, and your birth date. Your credit report is important in securing yourself against any attempts of identity theft such as credit cards misuse and other forms of fraud. In addition, you must update your credit report regularly as lending institutions would be using such reports to determine if you are worthy enough to be awarded with the loan you have applied for. After you received your free credit report, you should read each section carefully. All aspects must be included in computing your credit score. So make sure you have paid attention to all of them. Check your report for any discrepancies and make sure that you have not missed any payments at all. Your credit report also comes with the list of individuals or business entities that you have requested credit information from. You may also check to see if such names or entities are familiar with you. Your free credit report would be used in running a credit check to you when applying for a loan or any other forms of credit. Thus, make sure that it is free of discrepancies or erroneous entries. Keep in mind that this report will reflect your credit performance - ensure that you do not stumble anywhere so that your loan application would always be a success.

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Unsecured bad credit loans have opened up new avenue for bad credit victims

Just a few months back, I needed some money. I could have borrowed a loan from the market but what stopped me from doing this was a matter of big concern I had a bad credit score. I was really worried; I had a fear that no one will give me the money. But, a friend of mine told me about unsecured bad credit loan that saved my life by providing the funds at the right time. Some unfortunate credit problems in the past may have lead to bad credit rating, no need to worry any longer. Lenders now understand that a person may get a bad credit even without his or her own mistake.

Thus, keeping this in mind lenders now lend money to people who have bad credit problem. An unsecured bad credit loan can work as a perfect solution to your financial need. You can use the loan amount for any purpose ranging from buying your dream car, going out for a long awaiting holiday, consolidating debts to reduce the debt burden or for any personal purpose. It solely depends on you what do you with the loan money. Tenants as well as homeowners can enjoy the advantages attached to unsecured bad credit loan such as fast loan approval and absence of collateral. The major benefit of the unsecured loans is that you are not required to put any property against the loan you borrow and thus keep your property away from the risk of repossession. The process of getting access to the unsecured bad credit loan does not take long as it does not involve valuation of the property’s value, as is a prerequisite feature in case of secured loans. Lenders in the UK usually lend unsecured bad credit loans ranging from a minimum of Ј500 to a maximum of Ј25,000. Unsecured bad credit loans usually bear a high rate of interest, as the loan is not backed by any property.

Lenders try to cover his cost of lending by charging a higher rate of interest, but you may get an opportunity to borrow loan at a lower rate of interest if you do a bit of search. Finance market in the present scenario is flooded with infinite number of lenders. But, if you are looking for fast hassle free unsecured bad credit loan then you should for sure opt for online lenders. Invention of Internet has given a new direction to the finance market helping lenders in the UK to enhance their lending service. Online lending process is advantageous for borrowers too; it has become a one-stop shop for them. You can browse through various lending websites and can find the lenders who can lend you the appropriate loan. Online lenders have got an edge over the traditional lenders who used to take advantage of the borrower’s circumstances by charging a higher rate of interest. With the entry of online lenders in the finance market, the loan process has been simplified for the convenience of borrowers. You can apply for the loan any time and from any where with a computer equipped with Internet.

You just need to fill in a small application form online and the lender will contact you with the loan offers that match up with your individual circumstances to the best. Don’t go for the very first loan offer you get. A little bit of search will help you save good sum of money for the future. It is just the right approach to find the best loan deal. First and the foremost thing you need to do is to collect loan quote from all the prospective lenders, most of the lenders usually offer it for free but few may charge a nominal fees for it. As soon as you are through with loan quote collection process, the next step is to compare the loan quotes. Keep in mind few points on which you will make the comparison such as loan term, loan amount, interest rate and any other relevant feature that you want in your loan. Thus, a thorough research will help you get the loan deal that matches your needs and expectations to the best. Unsecured bad credit loan is a perfect loan if you are a victim of bad credit history.

Knowledge of credit score will be advantageous and can help you get the right deal. The loan money you borrow with an unsecured bad credit loan can be used to improve the credit score that will be fruitful in the future.

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Iva individual voluntary arrangements alternative to bankruptcy

An increasing number of borrowers are finding themselves under the debt burden. There are various reasons for this. The prime cause of this is the easy availability of loans. The easy availability of loans has precipitated the rise in the number of loan applicants. What happens is that borrowers end up availing too many loans for every need. However, over a period of time, they find it difficult to keep up with the payments. This creates a vicious circle of debts. If you too find yourself in a similar situation, you can seek respite in IVA’s. Debt problems have become a common occurrence in UK. You can overcome the situation by seeking appropriate solution for the same. If you want to regain control over your finances, the best means of doing so is going in for debt advice. Yes, this will offer simple solutions for most of your debt related problems. Unfortunately, most of the borrowers are unaware of this option. As a result, they end up losing the opportunities. As is evident by the name, free bankruptcy advice can be availed without paying any fees. You can avail it online too. This facilitates faster remedies for all your debt problems. An Individual Voluntary Arrangement, popularly known as IVA, is a debt solution which can help you avoid going through the strain of bankruptcy. It is a legally binding agreement between you and your creditors wherein you can easily freeze your interest rates. You also have the advantage of going in for lower payments. It is best advisable to avoid filing for bankruptcy as it can cripple your financial life. If you are a novice and are confused about making a choice, don’t worry. You can benefit immensely through free bankruptcy advice. This will provide you with all the detailed information on bankruptcy and debt management. Once you opt for an IVA, you no more have to deal with the creditors. It allows you to make fixed monthly payments stretched over a longer period. Ensure that you abide by the terms and conditions. This will help you clear outstanding debt at the end of the agreement easily. For expert opinion on debt problems, you could even consult a debt management company UK. This management company will take upon the responsibility of dealing with your creditors. You are saved of all the worries of You become eligible for the following benefits by opting for this service: • Refinance your existing debts into a single monthly payment • Avoid the severity of an IVA or bankruptcy • Make your credit repayments more affordable. It will also help you make affordable repayments every month to your creditors. In fact, it is the most sensible alternative to consolidation loans or IVAs.

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Veering away from debt management problems

Veering away from debt management problems Today, one of the major causes of people's problems when it comes to debt management is the inappropriate use of credit cards. Although there is no denying that a credit card is indeed an extremely and overwhelmingly useful and powerful financial tool if used properly, it can be a cause debt management problem too. Aside from the fact that most people—especially in the US—find these plastic cards more convenient to carry around compared to cold cash, many of them also appreciates the consumer protection provided by the Federal Law. But, with so companies coming out with many kinds of credit cards, it is no wonder that many people get confused and overwhelmed by the "convenience" each and every one of them offers. Dealing with debt management through the right credit cards While it is true that there is no single credit card that will fit everyone's need, it doesn't mean that consumers should just take in what these creditors offer. Since people have very diverse and different credit needs, they must be very careful in choosing the right credit card for them so that they could avoid the portent of credit traps. Before your credit card lead you to a path wherein you owe more than you can afford repay, or before it damages your credit and would create trouble by careless usage, here are some vital information that can guide you to choose the right credit card for your need. In choosing credit cards, make sure that you: - conducted thorough research about the credit card company you are eyeing for, - searched for low APR credit cards, - researched for hidden charges and other costs, and - avail of the credit card limit suitable for your needs In choosing a credit card to veer away from debt management problems, always remember that it is very important to identify and find the features that will fit your pattern of spending and paying. Above all else, it is important that you develop good money handling habits to avoid getting yourself into a deep and seemingly unfixable debt trouble. Fighting debt management problems If truth to be told, it is very easy to use a credit card but it is sometimes hard to avoid to do the things that can lead you to debt management problems. For you to be free from debt concerns, make sure that you develop a sense of control and perseverance first. Since debt elimination process in using credit cards requires organization, clarity, and commitment to your own growth, it is a must that you are ready for the responsibility and to stand free and independent. People who consider having a credit card indispensable but afraid of getting one because of the possibility of credit card debt nightmare, you must remember that credit card can be a powerful tool in managing your finances but there will always be glitches when not used properly. Of course, there are seemingly countless reasons why you should and shouldn’t get one depending on your needs. Whether you decide to get one or not, managing finances as well debt management still takes a sense of good budgeting, willingness to change spending habits, and the humility to available low interest consolidation loans when you are already burdened by too much debt.

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Check out easy ways of domain name registration

Domain name registration is a significant, easy, and strategically important first to form an online presence, whether it is for business or otherwise. A domain name gives the first impression to your customers. A well-chosen domain name can set up your success in different ways; most importantly help generate search engine traffic for your website. You should consider a few important points while going for your domain name registration. You can easily get your domain name registered. You should choose a domain name that will help to make your site effective. Domain names are not only the web addresses or URLs, but they are far more than that.

A domain name is the marketing brand and is the most important marketing tool that you possess, because it helps to draw traffic to your website. Anyone can easily register a domain name, and register as many domain names as possible. Even if you do not own any website, then also you can register a domain name. Anyone can register a domain name up to 67 characters long.

Register up to 10 years in advance. There are many benefits of a good domain name. Owning a good domain name also gives you a decisive edge over the competitors. You can make your position strong in the industry with the help of a good domain name. Domain name allows making a site virtual, and also adds the credibility to the site. People mostly want to choose the business partners with the sites that have their own domain names. Domain names make an organization professional.

The ownership of the domain name gives you the option of transferring the website to any web host while maintaining your address. It allows for the continuity of the business and also allows shopping for the hosting service. Domain names also promote the branding of your products. A descriptive domain name can work as an effective marketing tool. Bear in mind that a short domain name can be easily memorized.

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Learning how to learn makes every student genius

Santosh Prem, a teacher at Malet Lambert School, claims that “the difference between a genius and a "normal" person is that the former "accidentally" acquired the critical combination of the appropriate environment, motivation and learning technique to excel in his particular field.” Literally it means that every student has the same potential to excel and succeed in studying without having any exceptional inborn gift. One of the most vital components in this “genius formula”, which significance is underestimated both by teachers and students is acquiring and harnessing of ‘Learning How to Learn’ skill. “This is probably the one skill that was never explicitly mentioned in all the years that you've spent in school. But it's the one where there's the most reward for the smallest investment.” Indeed, knowing how to learn is a universal skill which every learner can make good use of for self-education in future life. Learning how to learn is a critical starting point in studying, which promotes students’ success in the whole course of education. This drastic know-how forms not only the basis of successful learning, but develops a peculiar learning style of the person. Some learners choose more methodical approach to learning and try to dive into the essence of processing data, breaking it into logical units in order to memorize large blocks of information in parts. Meanwhile, other approach to learning less structurally, relying heavily on loci memory improvement technique, which involves making associations between facts and visualizing things. Thus, every learning style is unique and it is impossible to elaborate a set of standard learning strategies and methods which can be utilized by every learner. Hence, I offer you to get acquainted with the following learning techniques and experiment with some of them to see if they work for you. Seven Principles of ‘Learning How to Learn’ Formula Connect everything you learn to a specific goal. Remember that you can learn anything if you have a clear cut goal, which will motivate your advance in studying. Trying to learn something reluctantly or under compulsion, is always difficult and usually doesn’t bring any fruitful results. You should create a desire and speculate over the reasons of your learning very carefully. Bear in mind that learning more implies earning more; consequently everything you learn can be transformed into your career success. You will learn faster if you structure and logically organize all information in hand. It’ll increase the effectiveness of memorizing and help you immensely in your studying. You can break the data into small chunks or make a general outline of what you are learning. Single out the most important points of new material. Use a ‘highlight strategy’, which implies processing of information, underlining its major points and brief summarizing. Learn how to make drafts and set out in writing all your thoughts. The main idea of drafting is stating and organizing of key information meaningfully and coherently on a sheet of paper. Take regular breaks. Always combine work with rest. Try to make a change of scene and look aside. Have some food or turn to some physical training. If you don’t want to interrupt your work, but still feels that learning in the same surrounding is unbearable, try to accompany your studying with background music or make some visual images that involve moving, interaction or color. Learn to budget your time wisely, to accomplish all your work in time and make use of every minute of your studying. Distribute your work rationally and establish priority of each task in hand. Plan your time in accordance with quantity of work you have. Never yield a temptation to postpone tasks of secondary importance. Remember if you violate your deadline once there is a great likelihood that you’ll do it again. Learning works more efficiently if you are relaxed and your mind is calm. Concentrate your attention solely on studying during your learning periods. Have an organized working place to avoid any distractions and don’t forget to give yourself rewards when you have completed some tasks efficiently. Take risks and don’t be afraid to experiment with different techniques. Always remember that those who learn and do it constantly over their lifetime do much better in their career and have more advantageous position than those who stop on attained results and rest on laurels.

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The demise of the mittelstand

According to a survey of German executives by the influential Ifo think tank, German business confidence rose in January 2003 for the first time in eight months - albeit imperceptibly, from 87.3 to 87.4. A poll conducted by ZEW, another brain trust, confirmed these findings. On past form, though, this confidence level heralds a contraction of 5-6 percent in industrial production. This is consistent with other dismal figures: negligible growth, stiflingly high real interest rates imposed by the European Central Bank, an export-discouraging strong euro and a disheartening surge in unemployment to more than 10 percent. German woes are compounded by a global recession, the evaporation of entire industries (such as telecoms) and a sharp, universal decline in investments. The main victims are the Mittelstand - the 1.3-3.2 (depending on the definition) million mostly family-owned German small to medium enterprises (SMEs). Of every 1000 German businesses, 997 are Mittelstand by one liberal definition. The real figure is closer to one third.

Strict criteria reduce it to one in thirty firms. These differences of opinion reflect the fuzziness of the concept which has more to do with the style of ownership and management and with a unique historic-cultural background than with objective, economic yardsticks. The Mittelstanders form the backbone and trusty barometer of the German economy. They engage close to 22 million workers and apprentices as well as well over 3 million "self employed" (owner-employees) - 70 percent of Germany's total active workforce. More than two fifths of all commercial turnover in the country are generated by them as well as half the value added and one third of all exports. The investment requirements of Mittelstand firms total $20 billion annually. But access to capital is narrowing.

Tottering local banks are risk averse, the capital markets are lethargic, private investors are scared and scarce. The Basle 2 capital adequacy requirements will considerably increase the cost of bank loans to risky borrowers, as are most Mittelstand firms. According to a survey by Kreditanstalt fьr Wiederaufbau, the German state-owned development bank, one third of all companies found access to bank credits restricted in 2002. In the 12 months to March 2002, German banks approved 7 percent fewer new credits.

Listed banks reduced lending by a debilitating one sixth. According to The Economist, lending to Handwerk (craft) companies declined by half between 1993-2003. Public sector savings banks, hitherto the main source of Mittelstand financing, are hobbled by an increasingly intrusive European Commission. The Neuer Markt, touted as Germany's answer to NASDAQ, slumped by staggering 96 percent and was merged out of existence. The family is not what it used to be. Less than 40 percent of Mittelstand businesses are handed down the generations nowadays. Many are forced to introduce pesky outside investors and directors, or hired management. The banks are far more inquisitive than they used to be. A traditional long-term, epochal, business horizon gives ground to a quasi-American focus on the tyranny of the bottom line. Capital spending, product development and job security all suffer.

Founders are often to blame, unable as most are to calmly contemplate their own death, or retirement and prepare a plan for orderly succession. It is at these junctions of regime change that most business failures occur, according to Sir Adrian Cadbury, author of "Family Firms and their Governance". According to Creditreform, quoted by The Economist, a record 37,700 companies went under in 2002. The Financial Times puts the figure at 45,000. And 2003 witness another bumper crop. The figures, according to the Institut fьr Mittelstandsforschung in Bonn, are even more harrowing.

In 2001, 386,000 startups were liquidated and 455,000 formed to yield 69,000 new firms. New startup formation is at a low ebb. In 1991, net creations amounted to 223,000, in 1995 - 121,000, in 1998 - 100,000. The picture is especially grim in the east. About 129,000 net new startups sprouted there in 1991. But the dilapidated east succeeded to spawn only 6000 a decade later with its bloated and venal construction sector all but wiped out. Again, 2002 was only marginally better. Half-hearted measures declared by the fragile coalition government on January 6, 2003 - grandiosely titled the "Mittelstand Offensive" - are unlikely to reverse the tide of red ink. Less red tape, more generous financial support, simplified accounting and a fusion of the country's cumbersome development banks will do little to help the flood ravaged east, for instance, where crumbling domestic demand cripples local entrepreneurship.

Eastern businessmen sorely lack management experience and skills. Their networks of customers and suppliers are thin on the ground. Most of them are single-product outfits. Successes are few and far between and usually involve foreign equity-holders.

Luckily, the labor market in the east is more flexible than its ossified and bureaucracy-laden western counterpart. Hourly labor costs - wages plus inanely vertiginous and generous social benefits - are also substantially lower in the eastern Lander. An arthritic and worker-friendly regulatory framework and a pro-big business tax regime have, indeed, burdened the Mittelstand. Still, if anything, Germany's labor market has been liberalized under Chancellor Schroeder's governments and tax rates went down across the board. One must look elsewhere for the causes of the inexorable deterioration of the country's SMEs. It is remarkable that the decline of the Mittelstand coincides with an unprecedented surge in small to medium scale entrepreneurship in both developed and developing countries.

It would seem that Germany simply spectacularly pioneered what has become, decades later, an economic fad. Indeed, it is Germany's overwhelming success - its post-war industrial miracle - that harbored the seeds of its decline and fall. Sated, rich people make bad risk-taking entrepreneurs. Germany's unification was its last attempt at rejuvenation. It failed because the west chose to smother the east with an unrealistically priced Deutschmark, a tangle of rules and regulations, an artificial construction bubble and a forced liquidation of its industrial base. If it ain't broke, don't fix it, goes German folk wisdom. On the surface, everything functions impeccably: German infrastructure is gleaming, its healthcare efficient, its environment pure, its welfare unsurpassed. Why tinker with success? - wonders the average citizen of this regional economic powerhouse. Only lately did a few brave souls admit that the miracle has been consumed and that Germany, unreformed, may be facing a Japanese decade. Germany's second attempt at revitalization is unfolding outside its borders. The enlargement of the European Union to incorporate countries in central and east Europe is largely a German project. Cheap labor, abundant raw materials, hungry, growing consumer markets in the new members - promise to resuscitate the German industrial sector. Big German firms have taken note of this repossessed hinterland and moved decisively - but not so the Mittelstand. Preoccupied by their multidimensional crisis, they failed to colonize the east. Battered by cost pressures, better-informed customers, aggressive international competition, dizzying and costly technological changes, spiraling needs for investment in R&D, vocational training and marketing - the Mittelstand companies are punch-drunk and more xenophobic and self-destructively "independent" than ever. One would be hard pressed to find a substantial Mittelstand representation in the German drive to diversify abroad either by establishing a presence in major export markets, or by sourcing from cheaper countries. As the Center for Advanced Studies at Cardiff University notes, Mittelstanders rarely out-source to key suppliers, maintain open-book accounting, engage in simultaneous engineering, sign long-term contracts, or reduce the number of direct suppliers as part of implementing a lean production strategy. Many SMEs function as family employment agencies rather than as properly governed businesses. From hubs of innovation and early adoption of bleeding edge technologies - the Mittelstanders have lately become the bastion of paralytic conservatism. Most of them support self-interested liberalization and deregulation. But few would know what to do with these poisoned chalices, having become far less competitive than they used to be in the 1970s. So, is the Mittelstand sector doomed? Not according to a report published in 2001 by the Institute for Development and Peace at the Gerhard-Mercator University in Duisburg. The authors believe that, despite all the shortcomings of the Mittelstand business model, it could serve as a blueprint for the countries of Latin America and other developing regions. The Mittelstand have survived largely intact wars and devastation, division and unification. There is no reason why they should not outlive this second round of globalization - they did marvelously in the first round, a century ago. But the government must recognize the Mittelstand's contribution to the economy and reward these struggling firms with a tax, financing and regulatory environment conducive to job creation, innovation, ownership continuity and exports. The reason for hope is that Germany is finally waking up. Universities offer courses in family-orientated management. Offline and online exchanges - such as EuroLink - connect German SMEs to willing private equity investors, strategic partners and fund managers. Small business service centers and one stop shops proliferate. An army of consulting and trading firms proffer everything from management skills to networks of contacts. Others peddler seminars, Web design and Internet literacy syllabi. Software companies like SAP, IBM and Sybase maintain special small business departments. Think tanks and scholarly institutes devote increasing resources to the SME phenomenon. There is even an Oscar award for Mittelstand excellence. Initiatives spring in the most unlikely places. DG Bank teamed up with the German daily "Die Zeit" to "promote small businesses who have innovative ideas". Mittelstand trade fairs (for instance in Nuremberg last year) are well-attended. Venture capitalists, portfolio managers and headhunters monitor developments closely. The Business Angels Network of Germany (BOUND) is a group of individual investors who also contribute time and management know-how to fledgling technology startups. Lobbying and advocacy groups, specialty publications, public relations firms - all cater to the needs of German SMEs. It looks less like a funeral than a resurrection.

Online The demise of the mittelstand

Playing online poker vs offline poker games

Internet poker scare a lot of people. Real casino poker rooms really panicked when the internet gave birth to the first online poker rooms a few years ago. And they were right to be scared because playing online is much easier and people might prefer feeling more comfortable. The online providers felt at that time the good side of virtual poker. They didn't need actual live dealers, they could perform 24 hours a day and could choose customers from anywhere they liked. This is a reason why some of the real life card rooms were really closed, not being able to compete with the great casinos and now with the internet as well. Some kept on, not wanting to quit, hoping and even spreading rumors that online card rooms are closing very soon, as people don’t trust them. But what was not to trust?

Many people would rather put their trust in an unemotional program than in a tricky dealer. The skeptics were very wrong. Virtual poker rooms are the reason why the poker business has flourished again, before them the poker had became an outdated game with a lowering popularity. So, internet poker helps the real life poker too. It saved the industry.

Nowadays casinos and poker rooms are more popular than ever before and all this is the work of internet poker. Online poker can offer services which real poker rooms never did. Lack of capital and fondness made them unable to do this. Internet poker might be looked at as a school for beginners. They could practice with easy games before risking at tables with high bids. Of course the risk can be just a little one, because the players can take their chances and test their capabilities even for $10. The internet is also a good source of information when it comes to poker. You can find tips on all poker sites, the pros reveal strategies and secrets of their game, and everyone comes out and helps the beginner that has no idea what to do first. Virtual poker players can not be stopped to go and try out their skills in a real poker room. This is unavoidable and they all did it at least once. The internet allows the winners to have a much bigger income than in real life poker rooms, because the number of the players is greater. The online business owners have found this way a way to flourish their business and throw a helping hand at their opponents as well. Another area the internet improved is communication. Information everything that is going on is available from anywhere at any time. So all the activity in the rooms and everything related to poker or your poker can be followed from the computer.

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Treat yourself to beauty products that make you look and feel great

There's no question that women are raised to be caregivers. We give our love and energy to our children, to our spouses, and to our friends. We volunteer our time to our children's schools, to our churches, and to causes we care about. We give our money to organizations that work on behalf of our communities, our country, and our world. And alongside all of that giving, many of us also give our intellectual power and physical prowess to the companies that employ us. What About Me? All too often, we're so busy caring for everyone else that we have little time and energy to give to ourselves. Given that mental health experts and health care professionals assert that our generosity often comes at our own expense, we need to carve out time from our hectic schedules to give ourselves a much-deserved break. After all, we have to fill up our own emotional and physical well so that we have resources to give to others. Loving Your Body It may sound trite, but it's true that when we love our bodies, we love ourselves. Taking care of our bodies from the inside out is important if we want to have the stamina to care for others. Eating a nutritious diet and finding time for exercise is important, but appearances matter, too. That's why it's important to invest in high quality beauty products that make us look and feel our best. Take body wraps, for example. You can pay hundreds of dollars for body wraps at a spa, or you can invest as little as sixty dollars for body wraps you can do at home. Whether you're aching for a seaweed wrap, a clay skin-firming wrap, a detoxification wrap, or an anti-cellulite wrap, you can find wonderful beauty products that take only an hour of your time and that leave you feeling refreshed and rejuvenated. Of course, there are other skin products that can also help you look and feel your best. Moisture hydration formulas, serums that restore the ph balance of your skin, and scar reduction treatments help you to take care of your skin and improve your appearance. Even as we try to mask the energy drain we feel, our hair tells the true story. Rather than treating the symptoms of damaged or thinning hair, we can actually take the time to find hair products that actually solve our hair problems. Hair products that correct ph imbalances, boost hair vitamins, and purify and condition our hair can help us look and feel our best - while only taking up a few minutes a day. Loving Your Mind and Spirit Beauty products can keep us looking great, but we also need to engage our minds and lift our spirits. A rich inner life doesn't mean neglecting those we love. Indeed, taking the time - whether an hour a day or an hour a week - to read, journal, or pray can give us the inner strength we need to support ourselves and those we love. Make a resolution to take care of yourself. Buy and use high quality beauty products, eat nutritious foods, and fill your heart and soul. When you do, you'll have that much more to give others.

Online Treat yourself to beauty products that make you look and feel great

Recent studies show how our bodies fight disease

**Obese people less likely to survive colorectal cancer According to a new report, people who are physically inactive and are obese around the middle have poor odds of survival after a diagnosis of colorectal cancer. "We have now shown that modifiable lifestyle factors that were known to reduce the incidence of colorectal cancer can also reduce the mortality in cases diagnosed with the disease," Dr. Andrew M. M. Haydon told Reuters Health. "This strengthens the argument supporting the public health message of 'healthy living.'" Haydon, from Monash Medical School in Melbourne, Australia, studied records from more than 40,000 patients diagnosed with colorectal cancer between 1990 and 1994. Patients who got regular exercise before their colorectal cancer was found were 31 percent less likely to die from the cancer than were non-exercisers, the investigators report in the medical journal Gut. In fact, 73 percent of exercisers survived at least five years, compared with 61 percent of non-exercisers. Such an improvement in survival "is at least as large as" as is usually achieved by add-on chemotherapy. A greater percentage of body fat, bigger waist circumference, and/or greater weight were also associated with worse survival, according to the report. **Study shows short term sex life improvements in prostate cancer survivors It is well known that many men who undergo prostate cancer treatment (surgery or radiation therapy) have sexual dysfunction. A recent study of 84 prostate cancer survivors attempted to determine the impact of post-treatment interventions such as counseling sessions. The study found that a large percentage of those who completed four therapy sessions reported better sexual functioning 3 months later. Counseling sessions focused on better communication between partners, ED treatment options, and methods of enjoying sex in spite of ED. Both partners reported improvements in their sex life for up to 3 months later. There was also an increase in the number of men using ED treatments such as Viagra. However, after six months the improvements began to wane. The researchers speculated that couples tended to revert back to old habits, and there also might have been greater reliance put on the "magic pill" solution. Drugs such as Viagra tend to have a lower success rate in prostate cancer survivors, so when these drugs stop working couples may adopt a defeatist attitude. **Vitamin D helps fight cancer, report claims A research team from the San Diego Moores Cancer Center headed up by Dr. Cedric Garland recently concluded that Vitamin D deficiency is often associated with various types of cancer. Dr. Garland now advises people to increase their intake of Vitamin D through diet or a vitamin supplement. The research team reviewed 63 studies conducted between 1966 and 2004 on the relationship between vitamin D and certain types of cancer. The report concluded that Vitamin D deficiency was a factor in several thousand deaths due to colon, breast, ovarian and other cancers every year. The report recommended increasing Vitamin D intake, either in the form of supplements or by eating certain foods such as fortified orange juice, yogurt and cheeses. This is especially the case with people in northern latitudes where there is less exposure to the sun. African Americans are also more prone to a Vitamin D deficiency because the their skin pigment reduces the amount produced by the body. Observers welcomed the University of California study but also warned that kidney and liver damage could result from too much vitamin D. The "natural" form of the vitamin, called D3, is normally produced in the skin after exposure to sunlight, but is also obtained from certain foods such as oily fish, margarine and meat. **Resveratrol found in grapes helps fix our aching joints Researchers at the American College of Rheumatology in San Diego, California have found that resveratrol found in red wine appears to halt cartilage damage caused by osteoarthritis, and speed up recovery. It is thought that oxygen-rich particles in the blood cause severe damage to body cells similar to the way rust rots a car. Resveratrol is a powerful anti-oxidant which seems to function as a way to prevent this kind of injury. The research found that resveratrol resulted in a reduction of between 50 and 90% of the production of chemicals that cause inflammation in the joints. It also enhanced production of specific proteins that are part of the connective tissue in joints. Red wine has other beneficial effects on the body. It contains polyphenrols that reduce the amount of bad LDL cholesterol in the arteries. It also increases the amount of good HDL cholesterol. Tannin and resveratrol, the anti-oxydants found in red wine, help to guard against cancer and slow tumor growth.

Online Recent studies show how our bodies fight disease

The many uses for canvas tote bags

The Many Uses For Canvas Tote Bags If you have ever noticed someone at the beach with a bag thrown over their shoulder or a shopper with the same, you have probably already seen a few of the many uses for canvas tote bags. These convenient accessories are sold everywhere, in every color and almost any design imaginable. They are available in a variety of sizes to accommodate virtually every use. Whether it's a day at the beach, a picnic, browsing at the flea market or just a day at the mall, canvas tote bags are very popular. The design options are unlimited with canvas tote bags. If you like solid denim, you're in luck. If, on the other hand, you prefer a solid hot pink, casual khaki or classic black, these and more are also commercially available. For the creative do-it-yourselfer, a broad range of patches, emblems and add-ons are available in the craft section of most retail stores. These little products allow for personalization, including animals, flowers and almost any favorite design that you wish. All it takes is a needle, some thread and a little patience to personalize any canvas tote bag with that special touch. Or, if you are really creative, purchase some fabric and make your own tote bag. They are simple in their design, but unmatched in their convenience. Solid canvas tote bags aren't all that's available, however. Totes featuring nature, flowers, religion and pets are also readily available if you are willing to shop around. As mentioned previously, there are a variety of uses and the possibilities are truly limitless with canvas tote bags. If you are into internet auctions, perhaps you enjoy selling items online for extra cash. What better way to carry all of your packages into the post office than with canvas tote bags? It's a lot easier to manage than trying to balance packages against your chest while watching where you are going. Just toss the tote over your shoulder and you are all set. If you plan to spend the day at the beach, perhaps you will want to take along a good book, some sunscreen, a beach towel and a pair of sunglasses. Well, if you are wearing a swimsuit, there certainly isn't going to be a pocket for you to carry these things. Consider packing everything into a convenient canvas tote bag and enjoy the sun in style. If you're out shopping and find that the handles on plastic bags are just too flimsy to carry around the mall for hours, consider canvas tote bags as a way to carry your purchases. After you pay for your items and the cashier gives you a bag, simply put that bag down into your tote and you won't have to worry about the straps breaking or becoming week. Happy toting!

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Choosing the right size of air conditioner for your home

‘The bigger the better’ is not a motto which applies to air conditioners. Unfortunately, however, given how used we are to the idea we tend to think that a large oversized air conditioner will serve us much better than a smaller one. But this isn’t so. Air conditioners are meant to be installed with the room in mind, since its main function is to remove all moisture from that room. It is in fact by removing the moisture from the room that an Air Conditioner creates the cool atmosphere that we associate with it. The size of the machine matters since it determines exactly how long it will operate, and if it will work long enough to remove the moisture from the room. If it is of the required size it will last long enough to perform this task, if it isn’t it won’t. So in case your AC is too big for the room you have put it in you should probably know that it is making your room less cool than what a smaller unit would. Why? Because its run time is too short, which makes it incapable of removing the required amount of moisture from the room and making you feel cool and comfy. So it will click on and off frequently and make a miserable job of cooling. Ratings for AC’s are given in terms of BTU’s (or British Thermal Units). BTU gauges what amount of heat is being taken from the room and being thrown out. Since heat is going from inside your room to outside it therefore the cooling coil indoors is cool and the one hanging outdoors is equally hot. Although the common sizes of AC’s bought are 5000, 6000 and 8000 BTU most households don’t need any more than a 4000 BTU machine. So what size do YOU need? That really depends on the size of the room you want to put it in. Suppose the area of your room is between 100-250 sq. ft in size, then you will do nicely with a 5000-6000 BTU AC. Similarly if the room is anywhere between 250 and 400 in size you can manage comfortably with a 6000 BTU to 8500 BTU machine. Calculate your requirement keeping these figures in mind. Before deciding the size of your AC therefore you need to decide which room you will be putting it in. obviously where you put your machine is completely up to you. But here are a few suggestions that might help you in taking the decision. Consider where the AC will provide you with the most comfort. Most people think the Bedroom is the ideal place for an AC. This is because it helps you get a goodnight sleep, and after a hard day’s work that’s all you really want. Many even find the low humming sound of the AC a great comfort, almost a good replacement for a lullaby! But of course there is no strict rule stating that you must place your AC in the bedroom. You might not like the cold atmosphere while going to bed and can therefore choose to put the machine in the living room instead, where the whole family can enjoy its benefits. If you have a large number of people sleeping in some master bedroom or a general room it would also make sense to put the AC there, else you might have to wake up with your kids and dogs who crawl into your bed just to be in the AC! Wherever you ultimately put your AC make sure your expectations from it is realistic. It was designed to cool one single area, and just because you want it to it won’t suddenly decide to cool more than that one area. Most window AC’s do not have the sort of blower to cool a couple of interconnected rooms, so no matter how much you want it to do that, it won’t. In case you want the other rooms to be cooled too get yourself a couple of smaller units and fix them in all your rooms.

Online Choosing the right size of air conditioner for your home

Creating and distributing e courses

E-courses are excellent sales tools and a great way to get your knowledge out there. It is very simple to create your course and either sell, or give it away as a “give-before-you-get” sales technique. If your course is designed to be a freebie, you’ll want to give a portion of good information; but don’t tell them everything or they’ll have no reason to make a purchase. If you are selling your course, make sure to jam pack it with everything you know, that way your customer will feel like they are getting a lot for their money (depending on how much you really know.) E-courses are simple to create because there is no need for fancy formatting, heading tags or conversions. E-courses are made in the same fashion as e-zines; by using plain text. For a sample of my 7-day mini course, send an e-mail to: minicourse@aweber. com. You will receive the first portion of the course in just a few minutes, and then for the next 7 days you will get an email with a new section attached. AOL USERS BEWARE: The only complaints I have ever received about the course not being delivered were from AOL members. Here’s a quick check list for creating your course: • Pick your topic of expertise. • Divide your material into specific sections. These topics will be your lessons. I advise starting out with a day-by-day course rather than splitting your material into weeks. • Write an introduction to the course and a list describing upcoming lessons. • If this is a free course: make sure to weave subtle hints throughout about all of the information that they are not receiving to give them incentive to purchase something (anything!) • Once you have written your course, set up an account with a sequential auto-responder company. Every company will have different instructions for set up, but basically you will be cutting and pasting and they will deliver the e-mails/lessons at the appropriate time. • Promote and advertise your course on your website, and send out a notice to your distribution list: let people know about it any way you can.

Online Creating and distributing e courses