How to maintain your car battery

One of the most important parts of your car is the battery. If it doesn't work, your car doesn't start. And, in the winter that is even more true than in the summer. The electrical power produced by the battery is used by the cars ignition system for cranking the engine. The car's battery also may power the lights and other accessories. Have the battery tested on a regular basis, including when the car is serviced, before long trips and after it's been recharged. Here are some things you can do yourself to prevent being stranded on a cold winter day. Know how old your battery is. To see how old your battery is look for a small decal on the battery. A letter with a number should be there. The letter indicates the month, starting with "A" for January, "B" for February, and so on. I is skipped so December is "M". The number represents the year with "9" standing for 1999, "0" for 2000, etc. so D2, would be April, 2002. F5 would be June, 2005. Experts usually advise getting a new battery when a battery is four years old. Watch for corroded terminals or battery posts, loose clamps, loose cables, or a leaking or damaged battery case. Look for dirty, wet, corroded or swollen cables and battery top. Look for a loose or broken alternator belt. If the alternator fails the battery might also need to power the vehicle's entire electrical system until repairs can be made. Keep jumper cables in the trunk of your car for emergency start up. Make sure the cables are free of rust and corrosion and that there are no exposed wires before using them. Park your car in a garage whenever possible. If you must leave your car outside all day, go out and start the car two or three times a day and let the car run for a few minutes to warm up. This will help the car to start more easily when you are ready to go. When temperatures are below zero Fahrenheit avoid leaving the car out for extended periods of time. For more tips on keeping your battery in excellent working condition visit: http:// apluswriting. net/gasmiles/batterycare. htm Copyright: 2006 Marilyn Pokorney REQUIREMENTS FOR REPRINT: You have permission to publish this article free of charge in your e-zine, newsletter, ebook, print publication or on your website ONLY if it remains unchanged and you include the copyright and author information (Resource Box) at the end. You may not use this article in any unsolicited commercial email (spam). You may retrieve this article by: Autoresponder: batterycare@getresponse. com Website: http:// apluswriting. net/articles/batterycare. txt Please leave the resource box intact with an active link, and send a courtesy copy of the publication in which the article appears to: marilynp@nctc. net

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Tips to reduce your car insurance

You have probably seen a huge rise in the number of car insurance companies offering their services. From TV adverts, to leaflets through your door, to radio jingles, the list goes on. It may seem a little frsutrating when renewal time comes. The choices out there are huge. Do you go for this company because they are offering a free keyfob with every cover - or this one because you like the sound of their jingle. Neither, there are many ways to find the best car insurance policy a few tips we will cover here. First; a car alarm will not only frighten off the thiefs, but also help lower your insurance. An immobaliser has the same affect and better still an alarm, immobaliser AND garage parking. The safer your car the less chance of theft or damage caused by theft. Second; when you have passed your test the first thing usually recommended to you by your instructor is advanced lessons or advanced course. You may think 'I've already passed, I don't need to' but insurance companies treat your devotion to safer driving seriously. Not only will it help you with your skills, but will save a few pounds. Third; shop around. There are a number of companies, and with competition comes price wars. Insurers are looking for your business, don't be afraid to try and haggle on price. If not you could try an online company, e. g. theaa. com, who will contact a number of leading insurers to get you the best quote. Fourth; buy your car insurance over the internet. Many car insurers are offering discounts of around 10% simply for buying online. If your car insurance is usualy Ј800, you save Ј80 instantly buying online - well worth logging on for!

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Cash gifting is cash gifting really as easy as you hear

Everywhere you turn today, you hear people talking about the simplicity and effectiveness of cash gifting. Are the rumors true? Can you truly generate loads of passive wealth from cash gifting programs? The answer is yes, but there are a few considerations. Let’s take a look: • You need to first understand what it is. It’s easy! You give a gift of cash. You promote the offer to other like-minded individuals, and then you receive gifts of cash in return. • Anyone can do this, but it isn’t something that is effortless. You still have the issue of promotion to consider. Even if you are giving away free chunks of gold, nobody will take it if they do not know about it, right? You have to get the word out. Getting the word out implies marketing. That’s the bottom line with everything online or off. • Anyone can learn effective marketing techniques. They exist and they are able to be assimilated. You just have to be diligent and purposeful. It is known that over 98% of all online marketing attempts fail. It has nothing to do with what is being promoted. It has everything to do with promotional techniques. People are erroneous to believe that just any old method of online promotion will do. The hard truth is quite to the contrary. • Cash gifting is definitely less difficult than other promotional efforts though. This is because you are promoting exactly what everyone wants for sure: CASH! There is nothing easier to promote because the value of the product is thoroughly understood and desired by the general public already. You do not have to convince anyone of the potential uses or benefits to having more cash. • Every other type of Internet marketing program revolves around trying to sell others a product or products that they have no interest in or use for. They buy these products only in hopes to generate cash for themselves. With cash gifting, we can eliminate the nonsense and get down to what we all are really after. That’s right: CASH! Take the next step in developing your dreams. Explore the realm of cash gifting further today. You will learn why the Internet communities and private communities are all excitedly talking about it. You give to those in need. You promote what everyone truly desires. People come to you to learn of the vast potential. In return, you receive gifts of pure, sweet cash. Yes, it is legitimate. Yes, it is proven. Yes, it takes some work. Yes, it can be for you!

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How to speed up the decision making process

Copyright 2006 Bernadette Doyle The first hard lesson I learned when I started my own training company was that businesses can take A LONG TIME to make a decision! However well a meeting went, however much time I put into a proposal, it seemed decision makers did not share my urgency when it came to making a commitment. In this article I am sharing the 'secret' method that I stumbled on accidentally and how it helped me speed up the decision making process and put cash in the bank quickly! One of the biggest challenges with selling is that often the client does not have the same sense of urgency that you do. Anyone who sells bespoke solutions has experienced this. There's a good chance you've written a proposal, put hours of work into it, and when you follow up you hear, ", Next month," or "We're going to make a decision next week," or "It's on hold." Your biggest competition is NOT the other supplier. It's the status quo. Most people would rather stick with what they know than take the risk of making a change, so it's easy to keep putting you off. I quickly realized I did not have the funds to finance long decision-making time. In some cases it could take 6 or 12 months before I saw any real business gains, and I knew that I was going to be out of cash well before then. I needed a way to turn things around - fast. In desperation, I thought: "What if I hire a room in a hotel, run a day on my specialist subject, and do it as an open program?" I had nothing to lose, so I gave it a try. Running my own open courses DID help position me as an expert and gain invaluable experience 'in the field.' It helped me 'showcase' my expertise. There were some people who came on the course and said, "This is great. We need to bring you in-house." So it sped up the process of generating paid work. If you market your open programs well, not only can you ensure that your events sell out every time, but you can also use these events as a platform for your in-house services. When I packaged my in-house training into an easier to buy, off-the-shelf solution, it generated immediate benefits. I got the primary cash-flow coming from bookings for my training course, followed by the secondary benefits of bookings for in-house trainings. If you are a trainer, coach, consultant or offering any form of professional service you MUST seriously think about offering your expertise via an open seminar, workshop or training course. Market it the right way and it will put immediate cash in the bank, and help you generate follow-on 'in-house' business.

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Payroll oklahoma unique aspects of oklahoma payroll law and practice

: The Oklahoma State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is: Oklahoma Tax Commission Withholding Tax Division 2501 Lincoln Blvd. Oklahoma City, OK 73194 (405) 521-3155 oktax. state. ok. us/oktax/ Oklahoma allows you to use the Federal W-4 form to calculate state income tax withholding. Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In Oklahoma cafeteria plans are not taxable for income tax calculation; not taxable for unemployment insurance purposes. 401(k) plan deferrals are not taxable for income taxes; taxable for unemployment purposes.

In Oklahoma supplemental wages are taxed at a 6.65% flat rate. W-2s are not required in Oklahoma. The Oklahoma State Unemployment Insurance Agency is: Employment Security Commission Unemployment Insurance Division P. O. Box 52003 Oklahoma City, OK 73152 (405) 667-7138 http:// state. ok. us/~okdol/workcomp/index. htm The State of Oklahoma taxable wage base for unemployment purposes is wages up to $14,300.00. Oklahoma has optional reporting of quarterly wages on magnetic media. Unemployment records must be retained in Oklahoma for a minimum period of four years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination. The Oklahoma State Agency charged with enforcing the state wage and hour laws is: Department of Labor Wage and Hour Division 4001 North Lincoln Blvd.

Oklahoma City, OK 73105-5212 (888) 269-5353 state. ok. us/~okdol/ The minimum wage in Oklahoma is $5.15 per hour. There is also no general provision in Oklahoma State Law covering paying overtime in a non-FLSA covered employer. Oklahoma State new hire reporting requirements are that every employer must report every new hire and rehire. The employer must report the federally required elements of:

  • Employee's name
  • date of hire
  • state of hire
  • Employee's address
  • Employee's social security number
  • Employer's name
  • Employers address
  • Employer's Federal Employer Identification Number (EIN)
This information must be reported within 20 days of the hiring or rehiring. The information can be sent as a W4 or equivalent by mail, fax or electronically. There is no penalty for a late report in Oklahoma. The Oklahoma new hire-reporting agency can be reached at 800-317-3785 or on the web at http:// ok. gov/oesc/ Oklahoma does not allow compulsory direct deposit Oklahoma requires the following information on an employee's pay stub:
  • itemized deductions
  • Oklahoma requires that employee be paid no less often than semimonthly; monthly for public sector, qualified nonprofit, and FLSA-exempt employees. Oklahoma requires that the lag time between the end of the pay period and the payment of wages to the employee not exceed eleven days. Oklahoma payroll law requires that involuntarily terminated employees must be paid their final pay by next regular payday (by certified mail if employee requests) and that voluntarily terminated employees must be paid their final pay by the next regular payday or by mail if employee requests it. Deceased employee's wages of $3,000 to the designated beneficiary, surviving spouse, children or guardians (in that order). Escheat laws in Oklahoma require that unclaimed wages be paid over to the state after one year. The employer is further required in Oklahoma to keep a record of the wages abandoned and turned over to the state for a period of 10 years. Oklahoma payroll law mandates no more than 50% of minimum wage may be used as a tip credit. In Oklahoma the payroll laws covering mandatory rest or meal breaks are only that minors under 16 must have 1-hour rest period during 8-hour shift; 30-minute rest period after 5 hours work. There is no provision in Oklahoma law concerning record retention of wage and hour records therefor it is probably wise to follow FLSA guidelines. The Oklahoma agency charged with enforcing Child Support Orders and laws is: Child Support Enforcement Division Department of Human Services Capitol Station, Box 53552 Oklahoma City, OK 73152 (405) 522-5871 okdhs. org/childsupport/ Oklahoma has the following provisions for child support deductions:
    • When to start Withholding? Immediately after receipt of order.
    • When to send Payment? Within 7 days of Payday.
    • When to send Termination Notice? Within 10 days of termination.
    • Maximum Administrative Fee? $5 per payment; up to $10 per month.
    • Withholding Limits? Federal Rules under CCPA.
    Please note that this article is not updated for changes that can and will happen from time to time.

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    How long should you hang onto your home based business dream

    A home-based business becomes for the business owner, an entity in and of itself. Because so much hard work, blood, sweat and tears goes into every home-based business, it is easy to view it as having a "life" of its own and a home-based business can be more real to the business owner than anything else in their lives. However, there is also a dark side to a home-based business, especially one that is failing miserably. Part of being successful within a work-at-home dream also means knowing "when" to quit, or "fold". A home-based business can be like a game of cards, when the "losses" exceed the "wins", it may be time to give up on the business and either start another one, or look into other forms of outside employment. It has been said, "that most entrepreneurs fail three to five times" before they actually start a business that succeeds. Although it is imperative that entrepreneurs be persistent, not being able to accept failure, when it is obvious that failure has occurred, can be extremely detrimental.

    So, how does an entrepreneur "know" when it is time to give up or when they should continue? Simple, the amount of actual "suffering" needs to be measured. The following "suffering measurement" should take into account: 1. What type of debt the entrepreneur is accruing, and how many bills and necessary needs are being neglected. No one should live without food, clothing, shelter or the necessary medical care needed for a gratifying life. If a home-based business is constantly leaving the business owner without funds with which to sustain life, then it is probably time to quit. 2. What type of emotional pain is the entrepreneur facing? If the business has become so stressful because of mounting debt, or the entrepreneur's family is turning against them because of the business, then it is probably time to quit. 3. If there is a chance of losing a home or other holdings and property because of the bills engendered during the business, then it is probably time to quit. 4. If the frustration of having the business and handling the day to day operations surrounding the business is greater than the pleasure of owning the business, then it is probably time to quit. Notice I have only mentioned the fact that it is "probably time to quit". No one but the actual business owner can sufficiently measure when a business should be declared a failure and when they, the business owner, should walk away. Let's face it, even older businesses can face renewed challenges to their survival. Markets can change drastically sometimes, seemingly overnight. Consumer behavior also can change quickly. Newer businesses can face start-up challenges, but older businesses can encounter significant "bumps in the road" to business success as well. All the above factors need to be weighed carefully before deciding either to "quit" or "stay" with the home-based business. There are some methods that can be successful for alleviating some of the financial and emotional stress that accompanies a failing business: 1. An outside source of employment can be taken "temporarily", and the business can be worked on "part-time" in an entrepreneur's free time. 2. Loans and grants can be taken to alleviate financial strains until the business becomes solvent. 3. The entrepreneur can enlist the aid of family and friends, by allowing them to "buy into" the business, or by forming an LLC (Limited Liability Corporation), wherein the business owner is no longer solely responsible for debts or liabilities. Most new business owners start with a Sole Proprietorship model, so switching to the more encompassing LLC may indeed aid the business in its quest for survival. 4. Business owners can "downsize" their expenditures, both in the business, and in their personal lives. Downsizing of expenditures can literally save thousands per month and may indeed "save" the business from ruin! In reality, there is no "shame" in failure. Failure at anything only teaches valuable lessons, lessons that may be incorporated into success at another time! If you're suffering in your home-based business, don't allow pride to stop you from admitting defeat and moving forward in another area of life! That's what being an entrepreneur is really all about.

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    Anxious about your public relations

    Shooting from the hip always creates anxiety. Especially when managers order a communications tactic here, another there, but fail to base them on a realistic public relations goal and strategy. One that could increase the chances they’ll get the results they want. Why waste resources this way when a little more effort can bring public relations success? I mean, firing off communications tactics without knowing precisely how that target audience perceives your organization, and who your tactics should be aimed at, then failing to decide what changes in perception, and thus behavior you need and want, is like pouring resources down the you-know-what. How much better to do it this way. Who’s the real public relations target? Is it not that external audience whose behaviors have the most important impacts on your organization? Shouldn’t you eagerly court such people and focus your public relations efforts directly on them because your enterprise may be at stake? Of course. One way to approach the challenge is to decide up front which groups of people – which external audiences – really DO affect you the most. Could it be those residents in a certain geography? Or those folks you know regularly use your services or those of your competitors? Or those who are members of trade unions? Or those between the ages of 21 and 35. Doesn’t really matter which, as long as you have solid reasons for targeting that #1 target audience. Namely, that their behaviors, good or bad, really DO have the most serious impacts on your organization. What now? Take nothing for granted. Get out there as soon as possible and interact with members of that key audience. Monitor their perceptions by asking questions. What do you think of our organization? How about our products and services or, if you are an association or non-profit, our programs? Do you sense an undercurrent of negativity? Probe deeper to see if some basic misconceptions are at work. Or inaccurate perceptions or damaging rumors that may be at fault. The answers to such questions should be studied carefully and a public relations goal created that, when achieved, corrects the problem you uncovered. It might be as simple as knocking down that trouble-making rumor once and for all. Or, you may want a goal that clarifies an unfortunate misconception, or an inaccurate belief about your organization. Even a “confused feeling” about your people will need attention. Your brand new public relations goal leads directly to your next step – a strategy that shows clearly how to reach that goal. Will you attempt to create opinion (perceptions) where none may exist? Or will you strive to change existing opinion? Occasionally, you’ll even decide to reinforce a slightly positive perception so that it grows to a strongly positive belief about your organization. That’s right! There’s just three strategic choices – create, change or reinforce perceptions. That simplifies things. Now, with your chosen strategy in hand, what will the corrective message you wish to convey look like? It must be persuasive, and that requires candor, clarity and directness, if there is such a word. Be brief, to the point and, of course, completely straightforward so that further misunderstanding is just not possible. At last in their proper role, we come to the “beasts of burden,” the communications tactics that will carry your crystal-clear message to the attention of members of your key target audience. The list of such tactics is, literally, endless. You could start with letters-to-the-editor, press releases and broadcast interviews, then proceed to making speeches as well as arranging community briefings and open houses. You might even decide to ratchet up the tactics effort with special events, a series of targeted emails or face-to - face meetings with a thoughtleader segment of that key target audience. Now up to this point, after two or three months of vigorous communications, what do you really know? Not much, until you determine whether you’ve actually impacted those target audience perceptions. Sorry, but that means monitoring opinion all over again. So fan out again among key audience members and ask lots of questions one more time. What are you hearing? Playback or feedback suggesting that a misconception has been clarified? That a damaging inaccuracy no longer dominates? That a rumor has been disarmed? Remember, your public relations goal implies that perceptions and, thus, behaviors among your #1 external audience must be altered before you can declare victory. So, when your remonitoring activity clearly reflects perceptual and behavioral movement in your direction, you have achieved your public relations goal. If remonitoring reflects otherwise, you must consider increasing the mix and frequency of your communications tactics. And your message must be reanalyzed again for believability and impact. Either way, you are no longer wasting your public relations resources because you have a proper plan with a proper strategy, message and communications tactics. And that suggests you will not fail because you are no longer shooting from the hip. So last step? Bag the anxiety! end

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    Getting a debt consolidation loan with bad credit

    If you've ever tried to get a debt consolidation loan with bad credit, then you know that it isn't always easy. It may seem odd that you can have such trouble being approved for a loan designed to help people who are in debt, but many lenders can be hesitant to give money to a person who has a history of not repaying. It is possible to get a debt consolidation loan with bad credit, however… you just need to know what the banks and lending companies are looking at and how to make them see you as worth the risk. Bad credit isn't the end If you have credit problems, then you might feel as though you've reached the end of your rope… after all, if you can't get a debt consolidation loan with bad credit then how can you possibly hope to repay your debt and improve your credit? The problem here isn't that you have bad credit… the problem likely is that you're looking for a solution as though you don't have bad credit. There are many lenders who specialize in working with people who have bad credit, and will offer debt consolidation loan with bad credit; the trick is to find them. Often, banks and finance companies that turn you down will be able to make suggestions on where you might go… and an internet search or two will usually end in multiple hits for possible lenders. High-value collateral for lower-value loans If you're having problems finding a lender while you're asking for the total value of your collateral, then you probably need to lower your sights a little bit. One of the keys to getting a debt consolidation loan with bad credit is to guarantee your lender that they'll get their money back… and that's your collateral's job. Asking for less than the total value of your collateral is a good way to get an approval that you otherwise might not get; after all, asking for Ј5,000 and offering property that's valued in the Ј7,000 range is an easy way to get the point across that they'll get their money no matter what. Do your best beforehand Applying for a debt consolidation loan with bad credit can make it seem like you're simply looking for an easy way out, especially if you haven't been making any attempt at repaying what you owe. Do the best that you can to make as many payments as you can in the weeks and months leading up to your application… after all, a lender is more likely to give you a debt consolidation loan with bad credit if you can show that you're making an attempt but need some help instead of just sitting there waiting for money to come from somewhere else to pay your debts. -- You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

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    The bankruptcy record is open to the public

    Before you file for bankruptcy, it is important to realize that all bankruptcy proceedings will be listed in public bankruptcy records. Therefore, if you have filed for bankruptcy, it is possible for anybody - including future employers or creditors - to easily look up your bankruptcy record while trying to discover your financial history. This can be very annoying in the future, and might make it harder for you to get credit that you need. Another result of this is that there is really no point in neglecting to mention that you have had to file for bankruptcy in the past. Since the information is public, you cannot easily hide that information from a future creditor. However, you can also find out whether or not your own information is still listed on the bankruptcy record, and you can also find out exactly what information other people have access to by searching for yourself. There is a benefit to having bankruptcy records, however, and that comes if you are going to invest in a company, or if you're looking to buy from one. You can find out what a company's bankruptcy history is, which will give you a good idea as to whether or not they are worth investing in. This is especially useful since the bankruptcy proceedings regarding smaller companies rarely make the news - and you probably will not have heard that a particular company has ever gone bankrupt. Another thing that you can look for if you need more information would be the bankruptcy records that were filed by the bankruptcy court.

    These records will have detailed information about the bankruptcy proceedings, so you can find out what to expect if you end up doing business with that particular company. However, it's important to note that just because your name is listed in the bankruptcy records does not mean that it will be impossible for you to get a loan or other line of credit if you need it. In fact, in most cases you will still be able to get credit after a bankruptcy, especially if you allow time to pass and work on rebuilding your credit rating.

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    Printing equipment safety guidelines

    Thirty percent of reported accidents are manual handling accidents. These accidents include transporting and supporting of loads, awkward positioning, and unstable materials that are difficult to hold. It rarely results to death, but accidents like this can end up to major injuries such as fractured back or arm. It also results to damage and loss of construction materials. Back sprain or strain, which can lead to chronic conditions, is the most common injury. Others include muscular spasms and strains, abrasions and cuts. In 1974, the Health and Safety at Work act was implemented and required employers to apply safety measures. And because of the increasing risk of injury, the Manual Handling Operations Regulations 1992 was imposed and pointed out that if employers cannot eliminate manual lifting they must at least find a way to reduce it. These accidents were also investigated. The elimination of risk of such accident lies in the employers and manual handling risk assessment tools. The directors should take the responsibility of training and educating his subordinates, as well as appointing people to take care of a certain area.

    Employers should comply with the guidance on regulations regarding manual handling operations. This regulation was revised to update workers and employers with the improvements of knowledge and avoidance of risk of injuries. To assess manual handling risks, certain tools were developed and factors were considered. These factors include tasks, worker, load and environment. Assessment should be comprehensive and consistent. Some heavy equipments and tools are advisable because it is safer and can decrease the company’s cost due to accidents.

    Sites or workplace must be well lit and clean. It should be free from waste, hazardous materials and obstructions. Everybody should observe good housekeeping. Performance and safety kits and devices should be well monitored. Everyone must comply with the control measures and all activities should be carefully planned.

    There is also the Manual Handling Assessment Chart (MAC) Tool, which was developed so that workers will be able to identify high risk workplace. Also, this tool is designed to assess the risk factors caused by lifting, carrying and team handling activities. It aims to help workers and employers to interpret and understand the risks, and to categories them according to certain levels. Manual handling accidents not only cause physical damages to human, it can also cause loss of money, work delays and risks the reputation of the company. A complete application of safety rules and good management will result to effective and productive work environment.

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    Ebay the first 10 years

    Yes, you read that correctly: ten years. eBay was created in September 1995, by a man called Pierre Omidyar, who was living in San Jose. He wanted his site – then called ‘AuctionWeb’ – to be an online marketplace, and wrote the first code for it in one weekend. It was one of the first websites of its kind in the world. The name ‘eBay’ comes from the domain Omidyar used for his site. His company’s name was Echo Bay, and the ‘eBay AuctionWeb’ was originally just one part of Echo Bay’s website at ebay. com. The first thing ever sold on the site was Omidyar’s broken laser pointer, which he got $14 for. The site quickly became massively popular, as sellers came to list all sorts of odd things and buyers actually bought them. Relying on trust seemed to work remarkably well, and meant that the site could almost be left alone to run itself. The site had been designed from the start to collect a small fee on each sale, and it was this money that Omidyar used to pay for AuctionWeb’s expansion. The fees quickly added up to more than his current salary, and so he decided to quit his job and work on the site full-time. It was at this point, in 1996, that he added the feedback facilities, to let buyers and sellers rate each other and make buying and selling safer. In 1997, Omidyar changed AuctionWeb’s – and his company’s – name to ‘eBay’, which is what people had been calling the site for a long time. He began to spend a lot of money on advertising, and had the eBay logo designed. It was in this year that the one-millionth item was sold (it was a toy version of Big Bird from Sesame Street). Then, in 1998 – the peak of the dotcom boom – eBay became big business, and the investment in Internet businesses at the time allowed it to bring in senior managers and business strategists, who took in public on the stock market. It started to encourage people to sell more than just collectibles, and quickly became a massive site where you could sell anything, large or small. Unlike other sites, though, eBay survived the end of the boom, and is still going strong today. 1999 saw eBay go worldwide, launching sites in the UK, Australia and Germany. eBay bought half. com, an Amazon-like online retailer, in the year 2000 – the same year it introduced Buy it Now – and bought PayPal, an online payment service, in 2002. Pierre Omidyar has now earned an estimated $3 billion from eBay, and still serves as Chairman of the Board. Oddly enough, he keeps a personal weblog at http://pierre. typepad. com. There are now literally millions of items bought and sold every day on eBay, all over the world. For every $100 spent online worldwide, it is estimated that $14 is spent on eBay – that’s a lot of laser pointers. Now that you know the history of eBay, perhaps you’d like to know how it could work for you? Our next email will give you an idea of the possibilities.

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    Improving sql performance

    How do you know how much hardware is really needed by your applications? And what do you do when your applications are overloading your system? The answer lies with improving your SQL performance. You have to tune your hardware SQL server and monitor performance, all of which will be explained as clearly as possible on this page. The first thing to do when you want to improve your SQL performance is you need to learn how to optimize your system by finding out how much hardware you really need to run your applications. The best way to tune your hardware and monitor performance is through the art of performance monitoring which takes experience, knowledge, and sometimes even luck. Performance monitoring guidelines: Make sure you’re running your typical processes and work loads during the monitoring. Don’t only do a real-time monitoring of your servers; capture long running logs. Always have the disk counters turned ON. Set up the chart windows with an interval of 18 seconds for routine, daily desktop monitoring. Know the tools you are working with. Don’t be afraid to experiment. Know the terminology (“objects” are lists of individual stats available; “counter” is a single stat; “instance” is further breakdown of a counter stat into duplicate components). A bottleneck happens when the hardware resources can’t keep up with the demands of the software. This is usually fixed in one of two ways: first, you identify the limiting hardware and increase its potential (i. e. a faster hard drive or increase the speed of the computer); second, make the software processes use the hardware more efficiently. Five areas to watch when improving SQL performance and identifying bottlenecks: Memory usage CPU processor utilization Disk input/output performance User connections Blocking locks

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    Consolidate debt into a single payment

    Are you drowning in debt? Do you feel you are paying too much in credit card bills and struggling to pay the minimum amount on your credit cards? In such cases, debt consolidation loan might be a viable alternative. A debt consolidation loan is a loan you can take against your home. Some banks will allow you up to 125% of your house value and this money can be used to consolidate debt.

    The interest on your debt consolidation loan will be far less than interest on your credit cards or personal loans. The money from debt consolidation loan can be used to pay off your credit cards, store cards and personal loans. This will significantly reduce your monthly repayment as well as your interest. However, a debt consolidation loan is considered to be a secured loan. If you are unable to make payments, your bank has the right to resell your home to another customer and force you to move out. Debt consolidation loans are to be considered when you are certain about the repayment of the loan. Some folks will rack up much more debt when debt consolidation loans are available and this downward spiral will never end. Adopt caution and make it a point to repay all your debt rather than land into a downward spiral of debt. Many experts recommend discussing your debt consolidation loan plan with your credit counselor who can provide you with appropriate guidance on your particular situation. A credit counsellor is a debt consolidation loan expert who receives adequate training on the subject of debt. They are better capable of making sound judgements for you, the customer.

    Most credit counselling agencies are accredited given you added confidence in working with them to reduce your debt. However, be aware that there are many shady companies in this business so proceed with caution and ask a lot of questions when you seek services.

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    Learning to cope with depression

    A person with depression is not the only one affected with this mental and emotional disorder. Every person around the depressed patient is also affected. The emotional toll can destroy and shatter any relationship; this could also result in a loss of jobs and in a worst case scenario, can lead to killing oneself. Although there is no known cure for depression, there are treatments that can aid a depressed person to lead a better and productive life. A person with depression needs a lot of support from the people he or she trusts.

    The family members and the friends is the best source of love and support. The best thing to do is to show some compassion and understanding, the person is sad enough as it is, they don't need to feel alone and alienated. Once a person has been diagnosed with depression, people should learn about the effects the disorder has on an afflicted person's behavior and personality. This way, we won't be shocked and taken aback by the changes in the person. We should not take personally whatever the depressed person does. A person with depression should understand what is happening to him so that he or she could learn to accept his situation. If depression gets the best of a person he could lose his rational way of thinking. Knowing his or her options is also good because the depressed person will have hope. Depression treatments can either be medication prescribed or therapies with a licensed or qualified psychiatrist or both.

    There is no need to be depressed about depression, many people with this ailment have lead healthy and productive lives.

    Online Learning to cope with depression

    How to install and run phpadsnew

    What is phpAdsNew? It is great script written in PHP which can be used to manage different ad campaigns on your website. PhpAdsNew supports banners of any size (including flash banners), pop-ups, text ads and many different types of rich media ads. Using this script you can manage third party ads, e. g. ads from banner exchanges. And the good message is that this script is free. How to install phpAdsNew?

    First, ensure that your web hosting provider offers PHP support (PHP 4.0.4 or higher) and MySQL database (3.23.3 or higher). Then download the zip or tgz package and unzip it to your hard drive. You can use WinZip or Total Commander to do this. Now upload the files to your web host. Change the permissions of the config. inc. php file using "chmod a+w config.

    inc. php". Create new MySQL database with any name, e. g. phpadsnew (or use existing database). Now you are able to run the installer. Point your browser to http:// yourdomain. com/phpadsnew (or another folder where you copied the files). Follow the instruction on the screen and finish the installation process. Another and easier solution how to install this PHP script is to sign up for a quality web hosting service which offers pre-installed PHP scripts. Then easily go to your control panel, find the section with pre-installed scripts and select phpAdsNew. The installer will do all the job for you. All you need to do is to choose the script you want to install.

    How to run phpAdsNew? Go to admin interface and create at least one zone. Zone is the place on your website where the ads will be displayed (e. g. top banner on the home page can be zone 1, bottom banner on the section page zone 2 etc.). Then create a new client. When you're done, create new campaign for this client.

    You can set up the zone(s), limit of banner / text ads / rich media... impressions, when the campaign will start and finish, the frequency at which the ad will be shown and many other options. Ok, we have some campaigns now and they are sucessfully running. But every advertiser wants to check the results of his campaign. From this reason phpAdsNew has very detailed stats section. Your advertisers (or you if you use this script to manage your own ads) will be able to see how many times was particular ad viewed by the website visitors and click through rate (how many % of visitors clicked the ads). In addition, you can watch weekly and daily stats. Stats can be exported to *.csv file (data from *.csv files can be opened by software like MS Excel on your computer). I hope you will find these information helpful when you will start using phpAdsNew.

    If you will need some advanced functions I suggest to open phpAdsNew/misc/documentation folder where are stored three *.pdf files with very detailed description of this script. The first one, administrator-guide. pdf, will help you with the installation process and configuration. Developer-guide. pdf is for advanced users with PHP knowledge. The most important file is user-guide. pdf which will provide you by all the functions.

    Btw. this file has 109 pages. Good luck!

    Online How to install and run phpadsnew

    Awesome birthday gifts for anyone

    There are plenty of ways to surprise anyone with an awesome birthday gift and there are an unlimited number of ways you can show your love, affection, or friendship with fun gifts that are perfect for anyone! Chances are that you have had the experience on more than one occasion the difficulty of finding the perfect birthday gift for that special someone. Whether you're unsure of the person's tastes or you just don't know what the other likes there are all sorts of problems that you may run into. However, there are always certain birthday presents that are always perfect and just right no matter who you are! Cash and Gift Cards Who says that money can't buy happiness? There are all sorts of ways to be creative when you are giving cash as a gift. You can put it in a cute birthday card or you can find a box to put it in. Likewise, gift cards are also another great way to say "Happy Birthday," to that special person in your life. Getting a gift card to a favorite store or restaurant is usually always an exciting feeling and you are certain not to go wrong when you choose to buy a gift card for the friend, husband, wife, boyfriend, or girlfriend in your life! However, if you are going to go this route then you may want to think about just how much you will be putting on the gift card. For example, the most important thing to think about is how much stuff the amount of money can buy that you'll be putting on the gift card! Unique Gift Ideas There are plenty of unique gift ideas that anyone can buy that'll express creativity and fun. For example, have you ever thought about giving a trampoline as a gift? How about an above-ground swimming pool? Of course you'll want to make sure that the person you are buying these things for has the proper space, but they make great gifts nonetheless. Trampolines are awesome gifts because most of them hold up to 450lbs, which would be great for children and adults! Likewise, most everyone loves to swim and would take advantage of an above-ground swimming pool for their birthday! Funny Birthday Movies Unless the person you are buying for doesn't like watching television and movies at all, it is probably a safe bet that you'll be able to get away with buying funny movies for your chosen birthday gift! You can always buy a bunch of funny and interesting movies to give, or you can buy 1 or 2 movies and combine those with other small and fun birthday presents! A whole hodgepodge of gifts will go over better than nothing at all! Hopefully now you have some interesting and unique ideas for birthday presents for whoever you are buying for. There are all sorts of things out there for that special person in your life, but gift cards, cash, and unique birthday gifts are almost always certain to bring a smile to their face!

    Online Awesome birthday gifts for anyone

    Light calorie cooking how to cook low calorie foods which still taste fantastic

    Many people these days want to control their diets so they are eating low calorie foods, but low calorie foods that still taste great. The way to get low calorie foods that taste great is through light calorie cooking. There are a few tips to consider when embarking on light calorie cooking adventures where the calories are low but the taste is high. Margarine As Opposed to Butter When following recipes when preparing a meal, there are many recipes that now list a choice between using butter as an ingredient or margarine. By using margarine in the recipe instead of butter the cook cuts the caloric content significantly yet still keeps a good taste overall. It is very hard to tell the difference between margarine and butter that is used in cooked foods and since margarine is lower in calories it is a great substitute. So, the next time you are cooking and run across a choice between butter or margarine as an ingredient make the healthy and low calorie choice by using margarine. The taste will remain great and it won't affect your waistline! Splenda as Opposed to Sugar Another great way in which to save on the caloric intake is to use Splenda in one's recipes as opposed to sugar. Splenda consists of sucralose, which was approved for sale on the market in the late 1990s. Not only is this ingredient low in calories but it is great tasting as well. Splenda is also a wonderful ingredient to use in baked foods as it is heat stable and there is no real loss of the substance during cooking. For these reasons, Splenda is a great ingredient to use when cooking using those recipes which call for sugar. You won't notice a difference, but you will enjoy great foods and beverages with considerably less calories! These are two ways in which a calorie-conscious individual can make fantastic light calorie meals that are abundant in the taste department and easy on the waistline as well.

    Online Light calorie cooking how to cook low calorie foods which still taste fantastic

    Explanation of emf protection devices

    The two small words electromagnetic fields or EMF (or one small acronym depending on your direction of thought) describe something that is part of the root cause of many terrible things that are currently plaguing man at this point in time. The new and improved methods of protection from this terrible force that are constantly being invented for us are the only saving graces we have these days. These electromagnetic fields are being created by the electricity all around us, especially by electric power lines that are a feature of our every day lives. There are ways we that we can minimize the effects that the EMF has on us, but alternatives are to invest in the protection devices that are available. The best option is to use the minimizing measures as well as the protection devices. The difference between a minimizing measure and the protection devices is that the devices are tested and have proven results while the alternate measures have evolved from household wisdom.

    There are many different varieties of protection from EMF available these days. There are personal protection devices that are just for one person, there are cellular phone protection devices, devices to protect your entire home as well as many more. Each device is specifically designed to perform a certain type of protection. The use of more than one in collaboration would be recommended since this will enhance your level of protection. Protection devices that are portable or personal will only provide protection or shielding to one person, the person wearing or carrying it. These are recommended for everyone, but especially those who are on the move a large portion of the time since they are not in a shielded environment a lot of the time, especially on the road. These EMF protection devices are either carried or worn on the person in order to be effective. Cell phone radiation protection devices come in a variety of shapes, sizes and styles, but their purpose is the same, completely eradicate the entrance of EMF into the head. Some protection devices are designed to be applied to the backs of cellular phones and deflect EMFs before they reach the head. Other devices are connected to the phone and act as a head set or hands free kit to put as much distance between the head and the phone that is emitting the fields.

    The utilization of both types of devices simultaneously would be recommended as the cellular phone emits large quantities of radiation. Whole house protection devices can be utilized in homes of almost any size and they provide blanket coverage for all people within the home and as such are highly recommended, especially for families with children, for the overall coverage it provides. It is best to utilize the whole house protection device in conjunction with personal EMF protection devices for all the individuals in the home.

    Online Explanation of emf protection devices

    Why are prefab homes so popular

    With the world today in such a fast paced mode, there is a need for everything to be done in a hurry. This is even true when it comes to finding a home. For some people they want to have a new home of their own, but do not have the time or even the money to have one built. This is not a problem anymore; there are now prefab houses to fix this problem. A prefab home or pre-manufactured home is a good choice for many people.

    The current state of the economic strength is also a reason why many people are turning to prefab homes instead of having a home built or buying a home that is way out of their price range. Consumers are taking a cut in pay and with all of the other costs of living going up, they will have to choose between a home that is falling down and needs a lot of costly repairs or get a prefab house to fit their budget. One thing that you must have for the prefab home is a piece of property to have it placed on. Many people find it cheaper to just go out and buy a piece of land to have for their homes. This is a great idea for anyone that wants to have a place of his or her own. For others, it is necessary to rent a piece of land for their house to sit on. There are many local communities that are set up especially for these types of homes. Prefab houses are very nice. There is really nothing wrong with living in one of these. They are generally brought onto the land site in two pieces and then bolted together in the middle. You can really never tell that this has occurred once you are moved in. Anyone that is buying a prefab home will have many choices to make with their purchase.

    They will have to choose almost everything in the home. This will include everything from windows, and doors to carpeting and counter tops. Owners of prefab homes will have the choice of the lower grade or they can up grade anything that they want. A prefab home is a wonderful way for anyone that is on a fixed income or for a new couple that is just starting out. When you cannot afford the house of your dreams, you can surely start with a prefab home. These home are comfortable and will give you the option to choose what you want for your home. You will have the opportunity to decide on these things and what you can afford for your budget. Having a prefab home will be just like having a regular home.

    You will go through a bank and have a mortgage on the home. You will pay a percentage rate on the home just as you would for any other loan. You will have a home of your own just as you want it and be able to afford it as well.

    Online Why are prefab homes so popular

    Getting started with internet marketing research using niche browser

    : The best thing about Niche Browser (despite it's being free) is that it provides such a rich array of features for you to use in your online marketing research. Anybody that is starting out or continuing to build their home business will benefit from owning and using Niche Browser. One disadvantage you will find about Niche Browser, however, is that there are so many features that it can be a bit overwhelming. That is why I am writing this article. I want to help you get started using and mastering Niche Browser in order to take advantage of all the great resources that it provides for you. So let's take a tour of the overall interface. Niche Browser can be divided into three basic elements: 1. Browser Window 2. Search Tools Side Panel 3. URL Toolbar 1) Browser Window The Browser Window is quite simple to understand: It is an instance of Microsoft Internet Explorer. If you right-click a blank area of the window, you will see the familiar context menu, in which you will find, for example, the "View Source" item which will allow you to view the html code for the current page. Just above the Browser Window, you will see the browser toolbar.

    On the left are the familiar back, forward, stop, and refresh buttons. The right side has the go, history, favorites, add to favorites, and print the current page buttons. In the center is the URL address bar. To the left of the address bar is a special button that opens the browser in a separate window on your desktop. Just above the URL address bar, you will notice a small button.

    This is the URL Address Lock, or Pin URL button. It enables you to browser other websites while keeping the current URL from changing. This is especially handy when you want to use the URL tools toolbar which I will explain a little bit later. Also, to the left, just above the "Back" button, there is the Expand Browser Window button.

    This allows you to enlarge the browser viewing area. 2) Search Tools Side Panel The Search Tools Side Panel provides special features for each Search Tool that you select. The content and functionality of each Side Panel will change depending on the requirements of the associated Search Tool you happen to be using at the time. In order to understand the side panels, you have to first understand how to activate a search tool. The search tools are listed as subsets of the Search Categories. The Search Categories are the first row of buttons that you see just under the "Related Searches" tool bar. We will be discussing these later on as well.

    So, for each item you select in the Search Categories row, you will see a different set of buttons appear in the row below it which provides the Search Tools for that category. The simplest way to begin exploring the side panel is to look at three different versions of Google search tools: Google Basic search, also known as the Generalized Keyword Search, Google Suggest search, and Google Advanced search. You'll notice that the contents of the side panel are different for each. 3) URL Toolbar The Toolbars of the Niche Browser Interface provide a wide variety of features that will assist you in your niche marketing research. When you use the URL Toolbar, be sure to enable the URL Address Lock, or Pin URL button. This will allow you to select each of the tools without having to restore the Site Address each time.

    The URL Tool Bar provides the following resources: a) Alexa Ranking b) Related Sites c) Indexed Pages d) URL Trends e) Text Analyzer f) Site Images g) Site Audio h) Site Video i) Site PDF's j) Site Flash Movies k) Wayback Machine l) Inbound Links m) Whois Information n) URL Slide Show o) Site Search As you can see, there is an incredible amount of information you can gather about any particular site using Niche Browser's URL Tool Bar. a) Alexa Ranking For those of you who are not familiar with Alex Ranking, you will be amazed at all the information it can provide you about your competition's website. Let me give a brief overview. To start with, Alexa only ranks pages for sites that contain the Alexa Toolbar, so this is not a complete sampling of all sites on the Web. However, if your site of interest is listed, you will find it useful. The first piece of data is the ranking. This tells you how popular the site is compared to all other sites being ranked by Alexa.

    The next notable feature is the Explore This Site categories. These are, Overview, Traffic Details, Related Links, and Inbound Links, or Sites Linking In. In the Overview Section, you will find the following: - People who visit this page also visit… - Site Stats Traffic Rank Speed Other sites that link to this site Online Since Look for similar sites by category d) URL Trends URL Trends provides a great deal of information in one location. It will provide the following information about a website's pages: Current Rankings Google Page Rank Alexa Rank Incoming Google Links Incoming Yahoo Links Incoming MSN Links Incoming Alexa Links Overall Incoming Links Outgoing Links Page Information Page Title Description Online Since DMOZ Listed Archive. org Listed (Wayback machine) UrlTrends Cache m) Whois Information If you ever need to find out about a website domain, this is the place to do it. Using the Whois information tool, you can find out when a site was first registered, when the domain name will expire, what type of server it is running on, whom to contact for information, whether the site has been blacklisted, and related site domains that may be available for sale or at auction. o) Site Search If you come across a website in which you would like to search but they don't provide a search box on the site, you can use this tool that Niche Browser provides.

    Just navigate to the page, enter the text you want to search, and press the search button. The tools and features in Niche Browser are seemingly endless, and the value to you certainly is. So be sure and download it now if you haven't already. In other articles, I will be discussing some of the tools in more details, so be sure and watch for those as well.

    Online Getting started with internet marketing research using niche browser