Find help to stop smoking cigarettes

If you are in need of support to halt smoking cigarettes, there are a assortment of different places you can turn. From natural cease smoking cigarettes goods to stop smoking cigarettes antidepressant medications, there are numerous different ways to quit smoking. You may also join a quit smoking help association to get aid to stop smoking cigarettes, and multitudinous non-profit organizations also offer smoking free videos to supply additional quit smoking tips. No matter which process you choose, the most important aspect of trying to stop smoking cigarettes is the truthful desire to be smoke-free and well again. A focused mind is one of the most powerful forces in the universe.

There are many prescription medicines that provide aid to stop smoking cigarettes. Quit smoking cigarettes antidepressant medications are becoming more and more popular as doctors realize that smokers tend to be more depressive than the rest of the general population. By treating these depressive symptoms while also reducing nicotine cravings, medication smoking stop treatment has proven to be highly productive in helping individuals to stop smoking cigarettes. If you are wary of medication to assist stop smoking cigarettes, you might consider one of the natural stop smoking cigarettes products on the market today. There is a growing market for laser smoking cessation treatments and acupuncture cessation smoking methods. Both of these stop smoking cigarettes aids work to boost your endorphin levels, giving you a high of sorts that blocks some of the nicotine cravings that make people begin smoking again.

These additional stop smoking cigarettes methods do not have much scientific research to back them up, but there are many individual reports that state that the laser smoking stop therapy worked in one or two treatment sessions. A pint of sweat will save a gallon of blood. General George S Patton In addition to these commodities, you can also find aid to stop smoking cigarettes at your local grocery store or drugstore. Nicotine replacement stop smoking cigarettes aids provide smokers with a means to manage their cravings and to gradually diminish their dependence on nicotine. These stop smoking cigarettes products come in the forms of nicotine gum, the patch and a smoking cessation shot. All of these methods help to cut down a person’s dependency on nicotine, and they also lend a hand to reduce the symptoms connected with the nicotine withdrawal process. These symptoms can be somewhat severe if a individual stops smoking cold turkey. However, there are a variety of stop smoking cigarettes methods that make the process easier than it has ever been. A real decision is measured by the fact that you've taken a new action. If there's no action, you haven't truly decided. Anthony Robbins Even if you try to quit without the aid of medication or nicotine supplements, you will even need help to stop smoking cigarettes. This help can come in the form of quit smoking support groups, friends, family or co-workers. The more people you have supporting you on you voyage toward superior health, the better off you will be. You can also turn to any number of non-profit organizations to receive the help you need. Thanks for taking the time to read this quit smoking article. You should continue researching for additional information to help you down the road to a smoke free life.

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How to handle auto claims efficiently

An accident can take seconds to occur but overseeing the entire claims repair process may take days. Traditionally, drivers have been responsible for reporting the claim, arranging for the rental car, getting estimates on the repair work, checking with the shop to see when the work will be done, inspecting the car, picking up the car and returning the rental car. Fortunately, this does not have to be the case and that's why it's a smart idea to investigate car insurance companies carefully. For example, The Progressive Group of Insurance Companies offers drivers an accident claims repair process that takes only minutes-not days-of their time. Here's how the process works: • The customer calls to report a claim at any time of the day or night and brings the vehicle to a specially designed service center. • In about 15 minutes, the customer is in a rental car, if needed, with the assurance that the company will update the status of his or her claim. • A claims representative prepares a repair estimate and contacts an auto body shop that has met strict quality requirements. The insurance company and the shop reach agreement on the cost of the repairs; the shop transports the vehicle back to the facility and the repair process begins. • When the work is finished, the vehicle is returned to the service center where representatives from the insurance company and the body shop inspect the quality of repairs. • Once the insurance company is satisfied with the repairs, the customer is called to schedule a pickup. Repairs are inspected and the customer drives off with a written document, saying that the repair facility and the insurance company guarantee the repairs for as long as the customer owns the vehicle. Progressive has 25 Claims Service Centers open and plans to open 50 more sites across the country over the next few years.

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Car insurance get insured or say goodbye to your car

Car insurance is a legal requirement in the UK, but one in twenty drivers persist in driving uninsured. The police are cracking down, and it’s not just an idle threat – if you’re not insured, your car could be in a crusher near you very shortly! The police now have the power to remove, impound and crush any car found to be uninsured on the road. Last Spring, in Durham, the scheme coined ‘Operation Takeaway’ was piloted to great success. Over 1,200 cars have now been impounded – 50% of those have already made it to the crusher. Operation Takeaway was such a big success that it’s being rolled out nationwide. A new national police database that’s supported by the insurance industry has given the police the ability to verify the insurance status of every car in the UK. They don’t even need to get out of the car to do it. If you are caught on the road with a car that is not insured, you will have to give up your car keys there and then. It doesn’t matter if it’s an accidental mistake or you have been driving uninsured for years, the penalty is the same – your car gets impounded. What happens next? Well they give you two weeks to produce an insurance policy certificate and take your car away. There’s a few costs involved too – you’ll have to pay around Ј105 to cover the cost of the tow truck, and charges for keeping your car impounded often reach Ј15 a day. Leave collecting your car to the last minute and you could be facing an overall bill of Ј315. If you can’t produce the insurance certificate and pay the charges, you can say goodbye to your car. The pilot scheme in Durham was funded in part by Direct Line, who helped cover the costs of crushing the cars. According to them, up to 2,000 accidents were avoided thanks to Operation Takeaway. Since a large proportion of the cars found to be uninsured were in fact un-roadworthy, the roads were a considerably safer place without them. As the police said, “Uninsured drivers are often guilty of many other offences such as not having a driving licence or an MOT certificate. We are doing everything in our power to get these dangerous and illegal drivers off our roads.” It is a shocking fact that 5% of all drivers are uninsured, a criminal offence because it is a legal requirement. Extra research carried out by the Association of British Insurers has found that uninsured drivers are a dangerous presence on the roads, each uninsured driver causing an average of one accident every six months. They are also three times more likely to receive a conviction for driving without due care and attention. Those of us who do have car insurance cover the costs of these uninsured accidents. On average, Ј30 is added to every car insurance policy to cover the costs to the industry due to uninsured motorists. That means law-abiding motorists pay a whopping total of Ј500 million each year for those who can’t be bothered to pay up. There’s another bitter pill to swallow. If you have an accident that’s not your fault with an uninsured vehicle, it will still go down as a “fault claim” on your insurance. So you’ll have to pay the excess on your car repairs and you’ll lose your no-claims bonus unless you’ve got claims protection. Over a two-year period, you could pay an extra Ј275 in premiums thanks to a reduction in your no-claims entitlement. The Association of British Insurers (ABI) is in full support of this new scheme to rid the roads of uninsured cars. The ABI has been a critic of the way the British courts deal with uninsured drivers for many years now, but they still don’t think this scheme is enough. Offenders usually only get a fine of Ј150-Ј200 and they don’t have to pay immediately – which really doesn’t compare to the extra costs incurred by motorists who do have car insurance. We agree – something needs to be done!

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Parts train unveils the auto blog

Auto Parts Train has unveiled its own blog, dubbed as The Auto Blog. This serves as a channel through which relevant information covering the world of automotives and automotive parts can be provided to visitors. Of course, this has also been especially crafted so as give further information to Auto Parts Train’s valued customers. The Auto Blog offers articles, commentaries, advice, reviews and news on everything about the automotive world. The corporate blog is also a response to the growing importance of blogs as another source of information in the internet and the whole World Wide Web. The Auto Blog is now on its second month of continuous serving and providing news, information, innovation, and other significant information for the automobile-inclined. The Auto Blog covers a wide range of automotive topics organized into several categories namely: automotive news, car reviews, aftermarket parts and accessories, auto parts, auto advice, Auto Parts Train news, automotive events, automotive technology, and automotive trends and innovations. By keeping the information, articles, and topics conveniently arranged and organized, visitors and readers will have a grand time looking for the information that they need. Readers will definitely find a wealth of information on different areas of the automotive industry. Auto aficionados will appreciate the relevant and up-to-date information posted including news gathered from reliable sources. Each of these articles have been carefully researched and thoroughly written.

For visitors and readers who feel like they need to share further pieces of information or would like to make a comment, do a rant, or a rave about an article, blog entry, or topic, a Comments link gives them the chance to do so. The Auto Blog has been crafted not just for providing information but also to serve as a medium and channel for automotive fanatics and aficionados and just plain automobile owners to converge and share their knowledge on automobiles and cars. Visitors at The AutoBlog can browse through the different entries and posts that offer the latest buzz in the automotive industry, as well as insightful articles on automotive technology and innovations. Now, Parts Train is not only a source of excellent quality automotive parts, but of relevant, up-to-date, and helpful automotive information as well.

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Snowboarding pants

Tips When Buying Snowboarding Pants Like any piece of al fresco sports’ wear, snowboarding pants serves one main purpose and that is to ensure your protection from injury, weather conditions, and any other external force. There is generally an accepted method to maintain your core temperature and prevent you from cooling off easily and this is known as the Three Layer System. This system is composed of a base layer, an insulation layer and an outer shell. The base layer is the only layer directly in contact with your skin and its sole purpose is to turn the moisture away from the skin. On top of the base layer lies the insulation layer which is also intended to get rid of moisture away from the body but its more important function is to insulate your body by confining your body heat. The outer shell is the layer directly exposed to the environment. It is expected to be waterproof, windproof and has also a breathable outlet for moisture. Most snowboarding pants combine 2 or contain all the 3 layers in one piece. Most will also have waterproofing, a thin outer shell, and an efficient insulation layer.. During warmer conditions, you have the option to wear only the snowboarding pants. Meanwhile, when the weather turns colder, you can add a base layer bottom beneath your snowboarding pants. However, when the weather goes extremely cold, have the liberty to wear all three layers while wearing a layer of extra insulation between the base layer of your bottoms and your snowboarding pants. Before buying your snowboarding pants, consider these tips. -Never make the mistake of wearing normal pants for snowboarding. You really need to buy your snowboarding pants especially if you are just a beginner. Remember that if you are a neophyte, you are most likely to be the one stumbling most of the time on your knees or on your behind. Hence, if you happen to be wearing casual jeans then the ice will melt every time you fall on the snow and you will eventually get soaked and cold. This is not a good way to learn. -Although you can use ski pants as an alternative when you don’t have a snowboarding pants yet, it will not allow you to do the movements that you can normally do using a snowboard pants. Unlike the snowboard pants, ski pants are not intended for tricks like aerial spins or jumps. So unless you only want to do what a skier does, stick to the ski pants. So when you’re buying a snowboard pants, look for one that does not pinch in the crotch area or one that has enough room for you to do your tricks. -You need to anticipate a few rough falls. So, one important aspect that you need to look for snowboarding pants is extra padding especially on the knee and buttocks area since these are the parts that commonly catch your plunges. Having extra padding will not give you enough protection to minimize the chance of any injury plus the possibility of getting your pants damaged thus losing their waterproof capacity. -Go for quality and not for the price. You want enough protection and durability. Don’t go for cheap pants that will be ripped off after a day of practice. If you want to be a pro, get yourself the right snowboarding pants that will last you until you become one. -Choose function over fashion. Although it’s good to be noticed for your cool clothes, it’s a lot better to be to be wearing something that gives you adequate protection and provides you with great comfort.

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Structure your add coaching business for success

The Structure Problem Structure is an issue that most self-employed service providers struggle with. ADD coaches, in particular, often suffer from self-imposed pressure to always "be there" for the client. ADDers frequently need accountability and follow-ups, and many coaches fall into the trap of thinking that in order to be a good coach, they have to be available all the time. This is simply not true. The first rule of being a 'good' coach is to be a 'good' person! In order to be a 'good' coach, you must feel good about yourself and your life. You must be a happy, fulfilled person who has a surplus of positive energy. You cannot serve your clients well if you are overwhelmed and over-scheduled. You have to have a life outside of work. And in order to do this, you must have boundaries in the business. Business boundaries come in the form of schedules. The business is OPEN certain days of the week, and CLOSED other days of the week. On those OPEN days, the business has certain operating hours. No matter how great a coach you are, no matter how many people you are helping, and no matter how much good you are doing in the world, you cannot forget that your ADD coaching practice is a business, and businesses need boundaries. If you forget this fact, you will struggle both emotionally and financially. What To Do First, decide what your working days are. What days of the week will your business be OPEN? What holidays will you have off? How much vacation time will you allow yourself? Then, decide what your working hours will be. Establish your operating hours for each working day. Next, figure out which days you will actually be coaching in your work week. Don't forget that you need time every week for administrative, marketing, and planning tasks. Finally, stick to it! If a (potential) client calls on Sunday, and Sunday is not a working day for you, wait until the next business day to return the call. Clients won't respect your boundaries if you don't respect them. A Living Example Many self-employed service providers fear that limiting their availability means that they will lose clients. I have found the opposite to be true. Here's my favorite example: A former client of mine is a massage therapist. When we began working together, he was working 7 days a week, taking clients any time of day or night. If a client called and wanted a massage at 6:00 AM, he'd do it. If another client wanted a massage at 10:00 PM that same day, he'd do it! He was so scared of losing a client that he burnt himself out being on call all day, every day. To make matters worse, he could barely make ends meet. He simply wasn't getting the number of clients he needed to sustain himself and the business. We both knew that he needed to decrease his working days and his operating hours, but it was hard for him to get over his fear of losing clients. Eventually, he did. He cut back to 6 days a week, started attending exercise classes in the mornings, and decreased his evening hours. To his surprise (but not to mine), business picked up. Most clients were happy to book an appointment within his new operating hours, and he let go of clients that weren't. His stress level decreased, and he found himself giving better massages, which led to more referrals. This former client checked in with me about a week ago, and he was happy to report that business is booming! He has been booked and making great money. While this client is not a coach, I have seen this scenario happen over and over again with myself, my colleagues, and my clients who are coaches. When you let the boundaries blur between yourself and your business, you will struggle with stress, overwhelm, and anxiety. When you take care of yourself, your business will take care of you.

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The perils of credit card balance transfers

For people who could not seem to manage their finances, they end up getting into debts. This is especially true to those who have accumulated too many debts that they can no longer handle the problems anymore. In reality, 81% of the households in the U. S. today have at least one credit card. But sad to say, out of this percentage, it was reported that the average credit card balance that they accumulate is $8, 387. The point here is that if these people will not trim down the balances that they accumulate on their credit cards, chances are, they will really get into bigger trouble. When that time comes, the only way to correct the problem is to employ drastic solutions such as credit card balance transfers. Balance transfers simply means to transfer the remaining balance in the credit card to another card in order to eliminate the presence of a big interest rate. Usually, people opt for credit card balance transfers so that they can get a new card with lower interest rate. The “low interest rate” features of most credit cards who offer balance transfers are actually known as teaser rates. These credit card companies offer much lower rates so as to entice people to transfer to them. What these people do not know is that most credit card companies that offer low interest rates for balance transfers are actually applying the interest rate from the day the consumers had transferred their balances. This goes to show that with credit card balance transfers; there is actually no “interest-free” time. Another thing is that the low interest rates that credit card companies usually offer when transferring balances are only good for a certain period of time, usually, within a 6-month period. That means when the allotted period is finished, the regular interest rate charges apply. Moreover, the rules in credit card balance transfers, when it comes to late payments are much stricter. For instance, if a person fails to pay his or her due payment on time, the low interest rate is instantly replaced by a higher one. What the consumers do not realize is that the low interest rates are only good on balance transfers, but once they have made some purchases, higher rates will be applied. These are all stipulated on the fine print. The problem is that most of the credit card users do not take highly of the things written on the fine print. Another problem with most credit card users who opt for balance transfers is that they have this thinking that their debts are paid off. What they do not realize is that the process is simply transferring the balances and the debts remain the same. This is because most of the credit card companies that offer balance transfers use the phrase “pay off your balances on other cards” in their advertisements.

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Pile don t file

Papers are one of the scourges of the modern office. Even mine tend to take over, if I am not very careful. So how do you get a handle of those never-ending piles of paper that accumulate on your desks, especially if filing is not one of your strengths? There ARE solutions, including some that don't even include filing! So how do you go about it, if you can't deal with filing, or are afraid that anything you file will be forgotten? 1. SORT First, set aside a couple hours during which you are unlikely to be interrupted. Then group all your piles together - if not all in one pile, at least all in one area of the room. Now go through all your papers, and decide if they belong to: - Papers you haven't touched yet - Papers that you need to do something about (such as an invitation with a RSVP, or an article you want to read, a letter you need to answer, etc.) - Papers that you don't need anymore, but need or want to keep because they have legal value or you know you will need to use them again. - Papers that can be thrown away Don't read the whole document, just enough to know what you need to do about it. If this is a problem, one solution I have used with a client is a beeper that is set to beep every 20 seconds or so. It's a good reminder, and we very rarely need more than 20 seconds to know where a paper belongs. Even if you never get beyond this point, you now know where to look for this invitation, or this paper you read 3 years ago that has the information you need. It may take you a little bit to find it, but at least you are will find it. 2. PILE Now, in a second step, pile again! Once the sorting is done, go back to the papers you need to do something about, and go through the pile again, creating small piles that correspond to a category. They can be organized by project, type of action, date due, topic, or any other way that makes sense for you. At this point, the piles in front of you should be much smaller, and more numerous. 3. FILE - OR PILE-FILE Now is time to file. You can either file your papers in a special file holder for your active work, or, if you can't part with your piles, you can visually spread your piles on your desk, credenza, file cabinets, etc. The key is to ORGANIZE them, and to make sure that they don't overlap. The latter is easy to solve: Put your piles in trays, baskets, boxes, magazine files, things that will hold them in place - and will instantly make your desk look neater, even if it's full of piles. Organizing your piles is a little trickier. Here are some examples of pile organization. Choose the one that appeals to you the most: - The Labels: Label your piles with one of those folding name tags used to put the names of panelists at a conference, or, more simply, any type of construction paper folded in two, and label both sides. If you choose to play with construction paper, you can even color-code your piles, to make it faster to find what you are looking for. - The Positioning: This is a system where all the papers related to calls to make are put right next to the phone; things to enter in the computer next to the computer, etc. You can also have all your projects lined up on your desk, the first one to work on that day on your left, the second one next to it, etc. - The Lists: On top of your piles, keep a running list of their content. This way, you know exactly what is in the pile and only have to look at the lists to know where to look. Even better, the lower the document is on your list, the higher in the pile it is. Now you have a filing - or rather finding - system! At this point, the only unfinished pile left is the one containing the papers you want or need to keep, but don't need to act on. The system that makes the most sense still is a filing cabinet, with classical hanging folders and manila folders. However, if you can't see yourself ever opening those drawers, you can use Steps 2. and 3. above to do your long-term filing as well. The only downside is that you will need a large amount of horizontal space, such as shelving. You will also have to make sure that the items indicating what is in your piles (labels, lists) are vertical and in an easy-to-read place. Happy road to a pile-filing system that works for you! Copyright 2006 Karin Vibe Rheymer Stewart

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Great plains customization upgrade overview for cio it director

When Microsoft bought Great Plains Software, then Navision it formed special subdivision - Microsoft Business Solutions. Several accounting/ERP systems: Great Plains Dynamics/eEnterprise, Navision Attain, Axapta, Solomon, later QuickSell - all written in different programming languages and manner and on different DB platforms were in Microsoft disposition at this time. While assuring existing customers in its commitment to support all these applications, Microsoft had to develop unification strategy. Around the same time Microsoft made its move with. Net introduction and tried to gain portion of cheaper databases market: Pervasive SQL/Btrieve, Ctree/Faircom - and launched free MSDE database program. General direction for all its accounting systems was chosen - Microsoft announced future releases of so called Microsoft suites: Microsoft Financial, Microsoft HR, Microsoft Logistics, Microsoft Manufacturing to name a few. However Microsoft did not announce which product (! Great Plains, Solomon or Navision) will become the base or will be transformed into each specific suite. Al these suites will be integrated into web-based Microsoft Business Portal This move, probably wise in the long run, exposed businesses with heavily customized MBS products to serious customization upgrade problems. We'll give you our recommendation, based on our practice. In this article we'll talk about Microsoft Great Plains. 1. Great Plains Dexterity Customizations – Microsoft announced that its products will be moved to. Net platform. This means that Dexterity will be phased out/discontinued. However, even now Microsoft Great Plains 8.0 is still Dexterity-based application. So, if you have Dexterity customization - our recommendation is to phase it out or consider replacing it with these: Crystal Reports, SQL Stored Procs and triggers, Web Publishing (Visual Studio. Net) from Great Plains database, eConnect (SDK created to eCommerce developers to deploy Great Plains as back end) 2. Pervasive SQL/Ctree migration to MS SQL - If you are still on these old platforms - then you are in trouble - you will be without Microsoft technical support by the end of 2004. When you do standard data migration via migration tool - Great Plains tables are migrated by the tool, however migration tooll has no info about your custom tables - these tables should be migrated manually. You can use MSSQL Server Linked Server construction to link to Pervasive/Ctree data. ODBC drivers can be installed from GP CDs. 3. VBA/Modifier/Continuum – all these are good candidates for replacement by newer technologies, because these will not have their place in. Net platform. Additional notes: When Great Plains Software designed Dexterity as the replacement to its discontinued Great Plains Accounting - it proclaimed that Dexterity is DB independent - which is true to some extent. However there are specifics, and Dexterity customization should be analyzed and tuned to work with MS SQL Server, if it was originally designed for btrieve/ctree. We are talking about customization upgrade for Great Plains Dynamics/eEnterprise 5.0, 5.5, 6.0, 7.0 to Microsoft Great Plains 8.0 or 7.5. Happy upgrading! if you want us to do the job - give us a call 1-866-528-0577! help@albaspectrum. com

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Don t sign that lease yet

You're being transferred to a new city in another state for a position that you start in exactly two weeks. You fly to your new hometown to select an apartment. You have exactly two days to make a decision and sign a lease, so when, after much searching, you find a vacancy in a relatively decent property, you're anxious to sign when the lease is placed in front of you. Resist the urge. As mentioned in previously in our report "Avoiding Tenants' Tribulations," wearing rose-colored glasses can easily fool you into believing that your best interests as a tenant will be protected. Your desire to find a home and wind up what can be an exhaustive search process can push you into signing on the dotted line before you've read and understand all of the fine print of your lease. What's the purpose of a lease, aside from your agreement to pay your rent each month and maintain your apartment in good condition? For starters, the responsibilities of your landlord are clearly outlined in this contract, so it's obviously in your best interests to read the lease carefully. If you're ignorant of the lease terms, you could find yourself blindsided several months later when your landlord holds you responsible for damage or other breach of lease, and subsequently asks you to move out. What if your employment situation changes five months into your 12-month lease, and you've got to move before your lease expires?

Your lease will outline your financial obligations should you need to back out for any reason. Some leasing offices and landlords will place a lengthy, "standard" document in front of you and downplay its terms -- not necessarily to dupe you, but rather in an attempt to save you time and allow him or her to move on to other prospective tenants waiting in the leasing office. Don't feel pressured; instead, move off to the side, allow the leasing agent/landlord to accommodate other visitors to the office, and continue reading the lease until you understand all of its terms. You may have signed many leases in the past, leading you to believe that they're all the same. They're not. Once you sign the lease, you're usually locked into its terms.

You'll want to find out before signing what the consequences will be if you change your mind before moving day (will you get your full deposit back?). Many consumers don't realize that under the law, they're entitled to request changes to the lease before signing it. In fact, consumers may request any modification they please, so don't be afraid to propose any changes to its terms. If the landlord agrees to your terms, make sure that he or she makes those changes on the lease itself (in ink, not pencil) and writes the date and his or her initials beside them. And don't leave the leasing office without a copy of the modified lease. Verbal promises will never hold up in the event that you have a disagreement over lease terms with your landlord in the future, or if only your landlord had a copy of the modified lease (or if changes were made only in erasable pencil). If you agree to lease the unit only in the event that the landlord or management company replaces the unit's carpeting, fixes the bathroom sink, allows your pet to live with you, includes a washer and dryer as part of the deal or other conditions, again, get it in writing with the date of signature. If the landlord refuses to put your verbal agreement in writing or claims a sudden attack of carpal tunnel syndrome which prevents him from writing, the red flag should be raised in your mind. Take your business elsewhere. If it's too late -- you moved into your unit without getting verbal agreements in writing, and now you find yourself making repeated requests for maintenance or other repairs that are never performed -- many real estate law experts agree that threatening to withhold payment on your rent isn't a good idea. There's a good chance your landlord will win in court if you withhold payment without a signed agreement preserving your right to do so. In addition to facing stiff monetary penalties, you could find yourself evicted from your apartment and out on the street. In fact, the State Bar of Texas states that tenants who use their deposits as rent when their leases did not state they could do so can face monetary penalties of up to three times the amount of rent they withheld. According to the terms of the law, a tenant only has a leg to stand on when he or she withholds rent under three conditions: if the tenant first received a court order allowing him or her to withhold rent if the landlord didn't perform agreed-upon repairs or meet various conditions; if the tenant made repairs in his or her own unit and paid for them out of pocket, if the landlord was aware of and approved those repairs and the lease clearly stated that deductions in rent could be made under those circumstances; and if you have legally terminated your lease because your landlord or apartment management company broke the terms of your written lease agreement with respect to his or her responsibility for repairs, or if your utilities have been cut off unlawfully. The moral of the story? Tread lightly. All of these warnings aren't to portray the image of landlords and apartment management companies as scheming individuals. The situation is quite the contrary in today's rental climate, major apartment leasing companies have grown and prospered around the country. The renters' market is extremely competitive, and such companies vie for prospective tenants with the promise of good amenities and good service. Sometimes these hassles simply amount to misunderstanding and miscommunication. Your best bet is to shop around, find a landlord or company-run complex with which you feel comfortable, to ask plenty of questions, read everything twice, and get every promise in writing. Don't be afraid of seeming nit-picky. If they want your business, they'll comply -- with a smile. Happy hunting.

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A word of warning about home inspections when buying

When you make the decision to purchase a home, you are committing to a lot of debt. You want a home inspection, but be careful with your choice of inspectors. A Word of Warning About Home Inspections When Buying When purchasing a home, it should be required that the buyer set up a home inspection on the home. This home inspection is designed to ensure the home is in good condition and to notify the buyer of any potential problems in the home. However, there are some things that potential buyers should be aware of when having a home inspection done. In order to ensure that the home inspection goes properly, it is important for the buyer to be careful about which home inspection service to go with. Often times, the seller or seller’s realtor will make a suggestion for a home inspection service. Often, they will even offer discounts for using the service. Should you go with the discounted service offered by the seller? Sure, the discount can be good, but you could potentially be setting yourself up for a big loss in the future. To understand why, first understand that the real estate agent has a pretty big commission on the line. Real estate agents often make 6 to 8 percent of the total sale. This means they have a lot riding on every sale and they are looking to close out every deal they can. While ethics should drive them to be fair in every sale, the sad reality is they are looking after the seller and their commission, not you. Hardly a surprising statement, eh? Home inspection services recommended by the agent often carry an unspoken agreement. If the inspection reports are favorable to the seller, the inspector will get more business. If they are not, the seller’s agent will find someone else for future deals. Human nature suggests this situation can lead to certain deficiencies being overlooked by the home inspector, a fact you will inevitably pay for in the future. The bottom line is that you, as a buyer, need to be aware of the importance of objective home inspections. The inspection is going to tell you if there are any problems with your potential dream home. If there are, you can demand the seller have them repaired, lower the price or pay cash funds at closing so you can have it done. If you use an inspector recommended by the seller or seller’s agent, you run the risk of missing some major problem with the property. Don’t do it!

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Top 5 new plants for your garden

Spring is coming, and it is time to start thinking about new plants, trees and flowers for your garden. Are you looking to add something to your garden? Read on to learn about plants you can grow. - Flowers. Flowers are everyone's favorite. From sunflowers to roses to daisies, everyone loves flowers. Some flowers only bloom for one year; if you want them in your garden next year, you have to re-plant them.

Others can bloom for many years to come, provided you care for them. - Fruit trees. If fruit trees work in your climate zone, congratulations! When getting a fruit tree for your garden, you are getting decor AND you are getting fruit, that you will be able to enjoy. Remember to check if a particular fruit tree can thrive in your climate, and enjoy your tasty harvest! - Bushes and shrubs. While not everyone gets excited about planting bushes and shrubs, they can add great colors and balance to your garden. Some bushes bloom with great looking flowers.

Others have cool looking berries, that make them great decorational plants. - Ivies and Vines. If you want your plants to grow high, rather then wide, take a look at vines and ivies. You may use them to cover patios and fences, and you can also use them as decoration for your garden. - Ground covering plants. If you want to cover the ground between your other plants, look into ground covering plants. Enjoy springtime - it is a fabulous time to add to your garden, adopt a new plant and start some garden work.

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A home water filter do we need to filter our drinking water

Do we really need a home water filter? Can't we just assume the water that flows from our kitchen and bathroom tap is sufficiently treated for contaminants by our municipal water facility? In order to answer these questions, we need to obtain a little more background information. Next to air, water is the most important element for our survival. Water is an integral part of our life and we use it for many household tasks throughout the day, such as: drinking and brushing our teeth, steaming fish and vegetables, washing salad greens, face and hand washing, showering and bathing, feeding the pets and watering our plants. Most of us take it for granted that our tap water is safe to drink and use for common household tasks.

The U. S. Environmental Protection Agency (EPA), however, estimates that 45,000,000 people drink tap water that is polluted with chemicals, lead, germs, parasites and other impurities. A large majority of the major U. S. cities still employ the same basic water treatment technologies that have been used since before World War I. In cities such as Atlanta, Boston and Washington, D. C. consumers are relying on pipes that are, on average, over a century old. Many people don’t realize that our municipal water treatment plants are not designed to remove synthetic chemicals and as a result we find traces of health threatening contaminants in most of our public water supplies. Situations arise when our tap water is polluted with more than the usual amount of contaminants. Municipal treatment plants have breakdowns that take time to repair. Lead leaches into our drinking water from old pipes and private wells. Smaller water-supply sources can become contaminated from agricultural and other environmental pollutants.

It is difficult to be sure of the exact amount of toxins in our water supply. The EPA has estimated that, in our modern society, we use in excess of 75,000 toxic chemicals and more than 1000 new chemicals are developed each year. The Ralph Nader Research Group‚ after reviewing thousands of pages of EPA documents acquired through the Freedom of Information Act‚ concluded that to date more than 2100 toxic chemicals have already been detected in U. S. water supplies. Our planet earth reuses the same water over and over again, which means there is no "new water". Every single chemical used in our society, eventually winds up in our water supplies. As the use of synthetic organic chemicals increases, so does the toxicity of our water. The earth's natural filtration process is not effective at removing these toxic synthetic organic chemicals.

The human body is made up of over 70% water. The proper function of each organ system, as well as every healing process that happens inside our body, takes place with water. Optimal functioning is only possible when water, our body's transport medium is clean. Wastes form during the body's metabolism and if these wastes are allowed to accumulate through insufficient water intake, fatigue and even illness results. If we drink water that contains chlorine or other organic and inorganic chemicals, we force our liver and kidneys to act as a filter for these contaminants. The liver purifies and detoxifies the blood of waste products and toxins. In addition to regulating the body's water balance and maintaining optimal pH, the kidney also removes metabolic waste products from the bloodstream. By providing the liver and kidneys with water, a universal solvent and transport medium, they are assisted in their role as a natural body filter. Bombarding these organs with water that contains traces of additional toxins only hinders the body detoxification process and delays waste removal.

Water may not cure every ailment, but it is a primary ingredient that allows our body to dilute and eliminate toxins that have accumulated over time. What Can We Do To Provide Healthy Water For Our Family? The simplest, most effective and also the most economical way to treat municipal tap water is a home water filter. Multi-media water filters that combine activated carbon with iron exchange media such as KDF are an excellent choice. Carbon and KDF work together to remove or reduce traces of contaminants such as chlorine, lead, Cryptosporidium and Giardia cysts, synthetic chemicals, volatile organic compounds (VOCs), MTBE, pesticides (lindane, atrazine), chemicals linked to cancer (benzene, TTHMs, toxaphene) and hundreds of other chemical contaminants that may be present causing bad taste and odors in your drinking water. The result is healthy, great-tasting water that still contains natural trace minerals that are beneficial to optimal wellbeing and health. © Copyright 2005 Andie Klein

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Air conditioners

It’s that time of year again. Things are starting to heat up, the snow is melting and it’s time to start looking for a new air conditioner or swamp cooler. Along with the warm weather comes the allergy inducing pollens and debry in the air. If you have allergies, you may want to invest in an air conditioner with air purifying and air cleaning features. If you live in a dry climate, you may want a humidifier. Some air conditioner systems may include all of the above features, and more. This article will tell you what to look for in an air conditioner and help you decide what type of air conditioner system will be right for you this summer.

There are many types of air conditioners, and many variables that can affect which air conditioner you purchase. If you are looking at the long term and live in a climate with both extreme summers and winters, you may want a system that is both an air conditioner and a heater. If you would like to cool or heat only certain areas of your house, or particular rooms, to conserve energy, or just for convenience, a portable air conditioner may suit your needs. A portable air conditioner can also be taken on trips to relatives, to the cabin by the lake, on a boat, or a number of other places. A dry climate can irritate your skin causing it to become too dry and begin to crack. For those who have a hard time coping with a dry climate you may want to look at air conditioners that includes a humidifier feature. You can create your own refuge from the heat and dryness of the environment that surrounds you. On the other hand, you may live in an overly humid climate, in which case you may consider purchasing a dehumidifier to get that sticky wet feeling off of your body that those who have lived in humid climates understand. If you have allergies, you may want an air purifier feature attached with your air conditioner.

When looking for air purifiers, be sure to find out if it is a HEPA, a brand well known for removing toxins and allergens from the air through their powerful HEPA air filters. HEPA and activated carbon technology can remove the smallest airborne particles and eliminate noxious gases, chemicals, and odors. Separate air cleaner filters eliminate virtually all irritants, including infectious microorganisms. Check the description of your air purifier before you purchase it, to see how powerful and effective it is, for example, for how many square feed it is guaranteed to purify the air. Some air purifiers are good for purifying the air in a single room, while others may purify your whole house. Evaporative coolers and swamp coolers or air conditioners work by soaking water through foam like filters. As the water evaporates, the air flowing through the filters cools significantly.

The evaporating water takes the heat from the pads. A fan inside the unit sucks the air through, speeding up the evaporative process and blowing the cool air into your home or office. The pads can catch much of the bad air and keep it from entering your home or office as well. Be sure to research your air conditioners, swamp coolers, humidifiers, and evaporative coolers as this warm season begins, so that you can find one that is most suitable to your needs. There are many types of air conditioners with a variety of features that may or may not be best for you.

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Overcome sports pain after 40 are remedies available part 2

In Part 1 of this article we explored the desire of persons over forty to experience optimal health. Optimal health for most of us can be reflected in more active lifestyles. Your efforts and goals to be in good shape that results in better health usually will include working out and losing weight. Nevertheless, your best efforts to achieve the more active and healthier lifestyle may be frustrated by chronic ache joints or back pain. We also touched upon the condition known as Osteoarthritis and its root causes.

While you should always check with your doctor and health professional before taking on strenuous exercise, below are some tips that helped me feel healthier and better. - Wear the Best Equipment to Exercise and Train I found that wearing the best running shoes for my foot and ankle type relieved a lot of stress in my ankles and feet. The most expensive brands however does not always equate to the best fitness shoes for your body type. Nike shoes (some of the most expensive) where not my best choice, a running shoe called "The Beast", about $125 actually was the most supportive for a big guy. Plus I also invested in good sports slippers by a company called "Keen". My wife (a very frugal lady) was incredulous when I invested over $100 dollars each for both a running shoe and slipper like shoes to wear around the house. However these running shoes and sports slippers are both comfortable and offer a lot of support to my ankles. I noticed my back and ankles feel much better after wearing these shoes. To me the over $225 was a great investment in supporting my ankles - knees - joints and back. I noticed my running was pretty straightforward training. On the other hand basketball or sports with a lot of lateral movement challenged me with my knee condition. Therefore, when playing these exercises I ware strong Ace fabric knee braces to support my knees. You would be well advised to wear good supportive sport equipment and products when training for a sports or your active lifestyle after 40. - Try Supplements for Nutritional Support For years you may of heard of joint support supplements like Glucosamine Sulfate and Chondroitin working wonders for people with Osteoarthritis. I have used these products with good success. Within days my joint pain, especially in my knees, are greatly diminished. Leading alternative and traditional wellness expert Dr. Andrew Weil M. D. advocates the use of Glucosamine Sulfate and Chondroitin to help with joint support problems. The best product that I have personally tried to help alleviate my knee and joint problems with my challenging workout goals is known as Phosoplex. It not only diminishes my knee pain, but my knees feel very stable and strong after using it a couple of weeks. Phosoplex lists both Glucosamine Sulfate and Chondroitin as active ingredients but also includes Biocell Collagen ll as a cutting edge ingredient. Phosoplex is purported to use a time-released formula that is longer lasting than traditional Glucosamine supplements. I don't know all the scientific mumbo jumbo, but what I do know is it helps my joints feel a hell of a lot better - especially on damp rainy days. Combine losing weight, good sport equipment, eat healthy foods, and try some good supplements like Phosoplex and see if your joint pain is greatly diminished.

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10 steps for cooking up family memories

The kitchen is the perfect place for making memories. When you spend time baking, cooking and enjoying meals with your family, you create happy memories you and your children will cherish forever. The benefits of preparing and enjoying food as a family are clear. You save money and eat healthier meals. You create opportunities to connect and communicate with your children and spouse. And most importantly, you show love for your family when you spend time cooking and eating with them. Children of all ages need your attention and your time.

By working together to create a meal or bake a batch of cookies, you spend valuable time together. So, here are 10 steps to get your family cooking up memories. Step 1: Teach small children the fun of cooking by helping them bake cookies and cakes. If you are short on time, you can use a boxed cookie mix and spend more time decorating. Step 2: Encourage the littlest ones to play pretend cooking. Kids love to play with real mixing bowls, strainers and wooden spoons. These make harmless toys and can be easily thrown in the dishwasher for quick cleanup. Step 3: If you live by your day-timer, schedule in baking cookies with your kids. Our schedules can be so hectic that something as simple as baking a batch of chocolate chip cookies can get skipped over. Write it down and do it. Step 4: If you have teenagers, let them play their favorite music while they wash the lettuce and set the table. Step 5: Work together with your spouse to prepare the dinner and use the time to catch up on each other's day. Step 6: Even if you are in a rush preparing dinner, remember to reduce your stress and focus on creating a fun atmosphere that naturally encourages the whole family to participate. Step 7: When spending time preparing food with your children, include lessons about healthy eating choices. Keep the conversation positive and avoid listing foods they can't have. Step 8: On days where you anticipate time will be tight, consider taking a short cut by using a frozen stir-fry mix or pasta with a jar of pre-made sauce. Your family will appreciate your relaxed mood much more than a made-from-scratch dinner. Step 9: Share the job of grocery shopping. One week have mom take one of the children as a helper, the next week dad can go with another child. Always work from a grocery list and let your children help you retrieve items and cross them off the list. Step 10: Have big family meals where you share about your day. Keep the conversation fun and avoid negative lectures over dinner. Remember to laugh. Take these steps today and make your kitchen a fun and memorable place for your whole family.

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How to choose a fireplace or heating stove for your home

A fireplace is an added bonus to your home and in some areas a necessity, especially if you live in colder northern climates. Perhaps you do not have a fireplace, but it sounds like it would be a great improvement you would like to have in your home. THE RIGHT KIND OF FIREPLACE FOR YOUR HOME If you are considering the addition of a fireplace to your home, then the first thing you need to decide is which kind of fireplace would best suit your home. Natural gas inserts and freestanding stoves help to not only keep your home warm, but also burn cleaner and help maintain indoor air quality. Despite today's high natural gas prices, these sell better than wood burning fireplaces and create less outdoor pollution problems. Gas fireplaces, gas inserts, and pellet stoves are popular among today's consumers in providing efficient zone heating. When you think about these types of fireplaces as a supplemental heat source, you will see utility bills drop, due to the fact you do not have to keep the thermostat set as high as you would without it. A natural gas fireplace can efficiently heat up to 1,000 square feet of living space in your home. CONSIDERATIONS FOR FIREPLACE CHOICES Before deciding the type of fireplace that would be best for you and the model that you would like to own, keep in mind some of the following points: * Masonry wood burning fireplaces can lose up to 85% of their heat through the chimney. They are also considered to be high polluters of the outside air and create problems with air quality and cleanliness in the home. Gas fireplace inserts can be installed in almost any existing masonry fireplace. Masonry fireplaces also come in a wide variety of styles and designs. * Other factors that should be considered are the climate you live in, the location of your home, and the age of your home. Also consider the construction of your home, as well as the amount of heat that is required to keep it warm. * If you are thinking of purchasing a fireplace for zone heating, consider gas fireplaces, gas inserts and pellet appliances. It is recommended to purchase gas fireplace units with an A. F.U. E. (Annual Fuel Utilization Efficiency) rating. * Direct vent gas fireplaces are required to be kept close to an outside wall. They require air from the outside to feed the flame, while relatively cool gases are exhausted through a wall mounted or roof vent. * Vent free fireplaces do not require outside venting. This kind of fireplace is not recommended in newer homes, because they can produce condensation within the home over time. These are also open fireplaces that do not have doors on them. * Class B vents are required for conventional gas fireplaces. The Class B roof vent flue helps carry away hot combustible gases and most have operable doors. * Pellet appliances are free standing stoves or fireplace inserts that burn wood based pellets made mostly from compressed sawdust. These are mostly used for zone heating and were designed to use waste wood produced by manufacturing companies. They are a highly efficient way to burn these waste wood products that can be purchased in 40 lb. bags. These pellet appliances can be designed to burn alternative fuels including corn and grains. One benefit of pellet fuel is the ability to lock in fuel costs at the beginning of the fall and winter seasons. IN CONCLUSION... So if a fireplace sounds good to you and you are looking to save money on high energy costs, a fireplace or stove could be a good investment. Just remember to take into consideration your location, preference and lifestyle. If you make the right decisions now, you will enjoy your new fireplace or stove for many years to come, without the regrets that many people face after they have made a ill-informed decision.

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Effective email communication

Email, when used properly, can generate additional direct sales and leads; can be used as a tool to communicate with your existing client base to let them know of upcoming events which may affect them; and as a means of ongoing promotion for your business. The following is a list of simple guidelines and tips that will help you become an effective email communicator. Please bear in mind that many of these guidelines assume that you have never established any prior dialogue and, as you become more familiar with your customers, can often be altered to meet your client's needs. Send your emails in plain text. While HTML/rich-text-formatted emails do look much more attractive, they will often be accidentally blocked by anti-spam filters and either show up incorrectly or not at all in various email programs. Plain text, on the other hand, will show up exactly as intended in all email programs. Include a signature of no more than four lines.

Your signature should provide the recipient with a means to contact you other than email, and should mention your company name. A good email signature format will look something like this: Mike Leblanc Any Vacuum Cheap Website: http:// anyvacuumcheap. ca Telephone: (905) 509-1661 This signature provides not one, but two ways for a customer to reach you. Note: Many people will put their email into their signature files. This is, however, unnecessary as the email itself can be replied to directly and the email address may be extracted from it. Use common file formats for email attachments. There are a wide variety of formats for attachments; however, these formats are not universal and as such, many people cannot open various types of attachments. The following is a list, in approximate order of universal acceptance (based on my own experiences), of attachments which are commonly accepted: TXT (plain-text) JPG/GIF (pictures) PDF (Adobe Acrobat Reader) DOC (Microsoft Word/WordPad document) XLS (Excel spreadsheet) Use short paragraphs. Try to keep your paragraphs to 50 words or less to ensure maximum readability. Don't send unsolicited sales information/commercial emails. Unsolicited commercial emails, or spam, are becoming an increasing problem and many organizations are blocking, deleting, and in many cases reporting the senders of these emails to various anti-spam services and search engines in an effort to curtail the sender's efforts. Use second person terms as much as possible. Words such as "you", "your", and "yours" personalize your emails, letting your customer know that you're thinking of him/her specifically. Check your emails for spilling n' and grammar. A minor typographical error in a lengthy email will generally go unnoticed, but a series of typographical, spelling, and grammatical errors will indicate a lack of professionalism and has the potential to cost you business. Many email programs, such as Microsoft Outlook, include spelling and grammar tools to ensure that mistakes are kept to a minimum. If you do not have an email program with these tools activated, then alternatively you can open up your favourite word processor; type your email; check it for mistakes; and then copy and paste it into your email program. Respond to all emails within 24-48 hours. If you cannot answer your customer's question in this time period, at least send him/her an email letting them know the status of his/her inquiry and that it is being taken care of. Some things do take longer than one day to resolve, and the vast majority of customers are very understanding of this, as long as they're kept apprised of the situation. Depending on your level of familiarity with your customers, some of these rules can be relaxed and altered to meet their specific needs. However, adhering to these general guidelines will ensure that, more often than not, you will become an effective email communicator.

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The 7 secrets of internet marketing

Many marketers have been shifting their marketing budgets to the web over the past few years. Marketing online allows you to target specific audiences and easily track return on investment, commonly referred to as ROI. Unlike traditional marketing methods, results of Internet marketing campaigns are almost immediate. This allows you to better evaluate what elements of your campaign are producing results and which are not. When buying online media, you must be willing to shift your marketing dollars to the online methods that produce a positive return. To be successful at Internet marketing, you must understand the essential secrets of Internet marketing. These secrets can allow you to achieve success by finding the right audience, communicating your message properly, and leading consumers down the path to purchase. These secrets include: 1. Website Directory Listings. Before you begin any marketing campaign, make sure that the website you’re promoting has been listed in the common directories such as DMOZ, Yahoo!, and Google. Even if you’re using a marketing page off of the root directory of your website, be sure that the primary site is listed. This ensures that prospects can continue to find your marketing pages long after you’ve launched your campaign. 2. Generating Traffic. In order to realize a return on your investment, you need to generate traffic to your marketing pages. There are a number of ways to do so online. Some of the most popular include Google AdSense, Overture, and Looksmart. Other methods include affiliate programs and targeted website advertising. Research other websites that have the audience you’re looking for and negotiate favorable ad rates for your online marketing campaign. 3. Marketing Pages. Don’t lead prospective purchasers to a generic website. If you do, potential buyers won’t know what to do next. The easier you make if for prospects to take advantage of your offer, the better. Whenever creating a marketing campaign online, provide a specific page for leading purchasers to your product or service or a billboard that showcases the offer. Take the guess work out of making a purchase and more consumers will buy. 4. Testimonials. Customer testimonials are the most powerful way to sell your product or service. When consumers hear from those who have purchased and used your product or service, they gain a certain level of trust and comfort in what you have to offer. Solicit testimonials after each purchase and use those that are the most convincing to prospective purchasers. 5. Create a Compelling Offer. Be sure to offer something that no one else is currently offering. If your offer is similar to your competitors or is not very interesting, consumers have no reason to learn more. Of course providing something for FREE is often a great way to entice potential customers. Maybe it’s a 3-day free trial or a free evaluation of some kind. Be creative, try something new, and measure the response. 6. Developing Trust. Before anyone will buy from you, your website or company needs to be seen as reputable. This means that consumers can purchase from you and not worry about the safety of their credit card information, personal information, or anything else being exchanged. A good method for developing trust is to purchase and display safety and reliability icons such as BBB Online, Trust-e, and VeriSign. 7. Provide a Guarantee. Nothing makes a consumer more comfortable with a purchase than offering a guarantee. Perhaps you can offer a 100% satisfaction guarantee or a money back guarantee. A guarantee is a great way ease the risk of making a purchase. If your competitors are offering a guarantee, you want yours to be equal or better. Internet marketing is an incredibly powerful medium for segmenting your prospects and delivering targeted advertising. Online, you can easily measure you return on investment and refine your marketing campaign over time to improve results. If you are a local business you can benefit from Internet marketing as well. Look for local directories to list your business or service. Or, you can supplement your local advertising with product marketing pages on your website. Internet marketing is more than just placing ads online, it’s using the web to communicate the value of your products and services.

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Can you invest with just 100

Many private investors do not have a large amount of capital at their disposal to invest in stocks. Some take the route of Penny Stocks to generate high returns but some people find these too risky. Indeed, Penny Stocks ARE risky – if you do not know how to carry out research. There are many other ways to invest. I’m going to tell you about one investment opportunity that gives high returns with little research. Anyone can do it. I am talking about Offshore Investments, also known as High Yield Investment Programs (HYIP). Firstly, there are two types of High Yield Investment Programs. These are “Autosurfs” and Private HYIPs. Both are accessible to the general public and give high returns – usually with a minimum deposit as low as $5. The returns that I’m talking about are in the region of 30% every month, for no work at all. The only difference is the risk factors involved.

An Autosurf is a program that pays you for surfing the internet. The return you will receive depends on the amount you invest. Generally, Autosurfs are regarded as a higher risk than HYIPs. This is because Autosurfs, generally, do not have a viable means of alternative income. Private HYIPs are a far safer option for small investors. Not many people know about them and they tend to last longer than Autosurfs. Many of them have exceeded 3 years, thereby giving you more than 10 times your intial investment. Their income usually comes from using investor’s cash to trade stock markets. Finding private HYIPs is not as hard as it used to be. A simple search will reveal some good investments.

Reading people’s comments and opinions on them will help you form your own opinion and tell you if you should invest or not. Choose wisely. For small investors, private HYIPs are like a dream come true. We can now create passive income with as little as $100.

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