Multiply your sales through affiliate programs

What could be better than exceeding your personal sales goals for a given month or year? How about doubling, tripling or even more of you sales goal for the month? This is exactly what affiliates can do for you. The amount of growth potential through affiliates is unlimited; the more affiliates you have the more money you can make, after all, if Sam Walton tried to run every Wal-Mart store, he obviously wouldn’t be very successful. You must realize that for maximum growth you cannot do it alone. Think of the success of companies such as Avon or Home Interiors. Their success is based on two things; a great product and excellent affiliate programs. To attract affiliates to your company you should make it worth their time. Offering one percent of sales, is not an attractive offer, the higher the commission that you are able to offer your affiliates the more affiliates will be tempted to join your team.

You should also provide your affiliates with the tools that they will need to successfully market your product such as banner ads, articles, and anything else that will help them to better market the product. You should provide the affiliates with product information through newsletters, new promotional campaigns and other things to motivate and inform the affiliates. You can choose to run your affiliate program in a few different ways, both of which are beneficial to your business. A one-tier affiliate program allows you to generally offer a larger commission and pays on one level. The affiliate will receive a predetermined amount for each sale. Using a two-tier affiliate program, affiliates are paid on two different levels.

This is done by allowing the affiliates to recruit others to sell under them. In this situation, the top level affiliate would receive a slightly larger commission than the recruit or second level affiliate. For example if the top level seller makes 20% of the sale, then she/he would make 15% giving the second level affiliate the 5%. Setting up the affiliate program can also be done in two different ways. One way is to do it yourself through an affiliate tracking software. This software will provide you with a way to track affiliate sales as well as allow the affiliates to view their progress. The downside to this option is that you are responsible for making payments. You can also choose to hire an affiliate tracking company to do all the work for you. These companies will allow the use of credit cards and completely run the affiliate program from billing customers, paying affiliates, and also pay you. This is a great option for the busy business owner or the beginning business owner and it is affordable as most affiliate tracking companies charge a small one time fee. However you choose to run your affiliate program it is sure to increase profits for your business.

Online Multiply your sales through affiliate programs

Simple steps to reduce uk car crime

Whilst car crime is on the decrease on a national scale, it remains a concern for many, and can be an unpleasant reality for many car owners. In the UK alone, there are still over 2 million vehicle related thefts every year, and even this is over a 50 percent decrease on figures resulting from 1995. Even though this is the case, there are many precautions that you can take to ensure that you are safeguarded against car crime. The first precaution is to lock the doors and close all of the windows to your vehicle, but as obvious as this may seem, the amount of people who don’t do this is high. You’ve probably done this yourself when you’ve popped into the shop for a couple of minutes, and may have even left the keys in the ignition with the car left running. It’s surprising how quickly a thief can steal your vehicle without the keys, so if you do this, you may as well be putting up a sign on the car roof to say “Please Steal Me”. Even in a well-lit location with many people around, such as a petrol station, remember to lock your doors before going in to pay, as it only takes a few seconds for someone to reach inside your car and take anything of value. This brings us onto our second point; do not leave valuable items on show in the vehicle. It is often the case that a thief will not always be looking to steal a car, but what is inside the vehicle instead. Removing such items can be a major deterrent, or if they need to remain in the car then place them out of site in the glove box. Alternatively, for added safety, it is now possible to purchase boot safes, which is very helpful for those constantly being required to transport valuable items in their car. Always park in a safe place is our third major tip. The most attractive place for thieves to steal a vehicle is in a poorly lit, unattended or isolated location, where they are provided with time and no distractions from carrying out the crime. Try to stick to areas that are busy and have lighting, and best of all have CCTV in operation. Finally, always keep your keys in a safe place, even when in your own home. Refrain from leaving your car keys near to the front door, even though this is a common place to leave them for most homeowners purely for ease when leaving the house. However, this is of course then also easy for a thief to reach inside an open door, or through a letterbox. Keep your keys in a place where they are not visible in hallways or near your home entrance. Although these tips may seem obvious, the amount of people who do not carry them out is high, and those people may one day live to regret it. Be cautious and help reduce car crime with these simple steps.

Online Simple steps to reduce uk car crime

The top ten ways to avoid failing in your business

1. Stop hiring yourself. First stop hiring yourself by continually working "in" your business. Don't be an employee of your company, reserve the choice to be the president of your company. Secondly, stop hiring yourself through your employees. Business owners tend to hire people like themselves instead of people that have the strengths they require for that position. You tend to forgive their weakness in that area because you also have the weakness. Here is a formula to use in delegating to the right people, when you don't have to manage, monitor or motivate your employees you are truly delegating. For example one of my clients had to fire his manager. His manager was in charge of the computer operations. He decided to promote someone from within the company to take his place.

He hired a computer consultant to train the new employee. The problem with this is the person he was training lacked knowledge about computers. This was a very expensive way to replace his original manager. He realized he had hired himself. He also lacks knowledge of computers and had too much empathy for his new manager. He remembered when he was younger and wanted to give his new manager a chance to advance. That empathy was costing him in time, money, productivity and the computer consultants hefty bills.

I suggested he hire someone with computer experience and stop the suffering. He agreed and within two week his business was back on track. He was too close to the situation to see this clearly. 2. Learn from your past Just like a kid has to fall a couple of times when learning to ride a bike, so do entrepreneurs fail as they learn how to be successful. Learn from the past and set up systems and structures so that whatever occurred can never happen again. Solve problems for a lifetime not just a quick fix. Don't run your business like a fireman, run your business like an architect. Build a sustainable future instead of putting out daily fires. 3. Set Yourself and Your Company Up For Maximum Productivity. Give everyone the computers and other tools they need to process information immediately. Automate the reporting of, access to, and flow of information so no human help is required. Develop a culture where any blocks to productivity are removed by your staff instead of you. Focus everyone on profits and growth. Grow your people as much as your company is growing. If you company is growing 50% annually, then your staff needs to grow at least that much. Hire people based more on attitude and behavior versus experience. Create a culture of hiring within based exclusively on performance not tenure. Get a Web Site. The web is growing in leaps and bounds. The expense of operating a business today can get in the way of offering your future customers efficient products and services. Your future customer's will not want to pay for your overhead. The web offers you the potential to market your business to millions of people all over the world. Have a profitability and financial plan. Also a budget and a measurement process to keep track of how you are doing monthly. If you don't know where you stand financially and have no short term and long term financial goals, then you are just letting fate dictate your success and we know those odds aren't too good. Control your own destiny! 4. Develop Relationships The success of your business is in direct relation to the quality of the relationships in your life. Define the key people that can help you grow your business and commit to spend time to develop your relationship with them. Spend one day a week with your best customers listening, collaborating, suggesting, understanding. Have a relationship between you and your customers; not just a selling relationship. What you will be offering or selling to customers in five years may change in form or substance to what you're offering now. Learn from your clients instead of just selling to them. Clients really appreciate sharing their views and needs with companies will listen. Let the customer create the questions on a survey instead of just giving their answers. A coach can help you to develop a system of learning from their customers and develop relationships. 5. Maintain a Healthy Balance Your free time is the largest ingredient in recharging your batteries to think more clearly and create solutions for a solid future. Maintain a balance between work, play and family. This is critical for long term success. We all put in crazy hours on a short term basis to get a hot project done or the product out the door, but if you do this on a long term, regular basis it is a dangerous sign that you are losing perspective. You need to be able to step away on a regular basis and get your batteries recharged. Have time for your family because if they suffer it is almost a sure bet your business will suffer too. Plan your free time for the next three months. This is usually the first thing that people eliminate. After you schedule your free time in your planner, get out your scissors and cut the time out of your planner to resist the temptation of erasing, crossing out or whiting out your scheduled free time. 6. Be A Role Model Of Excellence And Encourage The Same In Your Employees. Entrepreneurs want to grow their business. In order for your business to grow, you must grow personally. Your efforts are best spent developing you. If you don't give your all or let an inferior produced product go out the door to a client, you are sending a message to your employees that you do not respect your clients or your work. Your employees will adopt that view as well. Set the example of giving the extra effort, pitching in when needed, caring about people, be the best in your particular business, continue your growth curve, and take care of your employees. Encourage innovation and creation. Give your employees a stake in the future. Once a month, have a meeting where the employees make suggestions on how to improve your product, service, efficiency, or bottom line. Get your employees involved in the productivity game. One of my clients decided to play the productivity game with his employees. The game is; the employees get to share in the profits of the money saved in one year. Within a week they asked him to relieve the cleaning company of their duties. They took turns cleaning the office on their time to lower the operating costs. My client was thrilled. Give monetary rewards when the ideas produce increases to the bottom line and positive encouragement for the process. Create an atmosphere where employees are willing and able to talk with you. The two best sources of information on how your business is doing and how to improve it are your employees and your customers. Pay attention to both. 7. Don't rest on your laurels. Always be prepared to change. Look for things to do more efficiently or how to improve your service or product. Identify and remove as many consequences and risks as possible. Insure yourself where you are most vulnerable in your business. Handle all legal issues. Errors in judgment and changing trends can have a negative impact on your business. 8. Minimize all your risks. A coach will help you identify all of the events, people, trends, etc. that may adversely affect your business. Where are you most vulnerable in your business? Accounts receivable, employees, suppliers etc. Constantly evaluate your competition and benchmark yourself against them. The minute you think you don't need to improve anything is the exact moment you are blinding yourself and can be easily affected by your competition's growth. 9. End The Lone Ranger Mentality A Lone Ranger is the entrepreneur who says things like: "No, that is OK, I can handle it alone." "I'll do it myself, because no one can do it as well as I can do it." The Lone Ranger entrepreneur needs a coach to help teach the skill of both involving and leaning on others. This skill is important to learn because the synergy that comes from working together is what ends up being a key competitive advantage. Without it, your business will slow down. Plus it's a lot more fun to be supported with great people, than to have to push or rely only on yourself. 10. Run your business with integrity. It takes courage and commitment to live by your inner truth. There is great honor in living with integrity. It is telling your truth no matter what the consequences. It's being candid when it might be dangerous. It's going ahead and doing it or saying it even if it's uncomfortable. Inner truth communicates through faint whispers, thoughts, pictures and feelings buried within you. You can't passively wait for your inner truth; respectfully send for it. Continually turn inward, quietly, politely asking the right questions so that the subtle signals become clearer. Integrity is something only you can define. No one can say you're out of integrity,. When you're feeling stressed it's a real indication that you need to restore your integrity. With integrity in place you are complete free. Are You A Coaching Candidate? 1. Do you spend your day putting out fires? 2. Do you have any concerns about your business running at maximum profitability? 3. Do you run your business on the edge? 4. Do the same problems continually resurface? 5. Do you have difficulty finding someone you trust who can give you an objective viewpoint and bounce ideas off of? 6. Is your business running you ? 7. Do you find that you are unable to make the most of all the opportunities in your life? 8. Do you experience roller coaster highs and lows in your business? 9. Do you have a lone ranger lifestyle? 10. Do you allow your goals and purpose to get sidetracked? 11. Do you lack having a clear, measurable action plan to fulfill your goals? 12. Do you lack structure? 13. Do you lack inner fulfillment? 14. Do you spend most of your day working "in" your business instead of "on" it? 15. Are you a workaholic? 16. Are you experiencing a lack of balance in your life and business? 17. Are you committed to growing yourself and your company? 18. Are you coachable? (Are you willing to hear and act on another's person's viewpoint?) 19. Do you lack a clear financial plan for your future? 20. Are you willing to be truthful and restore your integrity? * If you answered yes to more than three of these questions you can benefit from a coach. Questions A Coach May Ask You: * What five opportunities are you leaving on the table? * How might you sabotage our professional relationship? * How have you been motivated in the past to reach difficult goals or make difficult decisions? How can we best utilize that motivation now? * How would you do this differently if you were willing to let it be easy? * What would happen if you showed up ten times more bolder this week in every aspect of your life? * What are the 10 things you are tolerating or putting up with that are preventing you from performing at your best?

Online The top ten ways to avoid failing in your business

How to attract and keep a personal assistant

Hi! Many managers will often say their personal assistant is invaluable to them yet they often treat them as if they're not. Day after day, week after week the P. A. is in the office, slogging away making sure the work gets done. In many instances it is the P. A. that holds the business / department together. Many of them are so conscientious they won't take time out and will stay at their desk until the work is done. Not only are they integral to the running of any business, their income and the way they are treated may not always reflect the importance of their role. Jenny's Story Jenny has worked for her current employer for the past three years and thoroughly enjoys her role as Personal Assistant to the General Manager. They have a great working relationship. If she requires the occasional afternoon or morning off to deal with personal matters, all she has to do is ask. Her boss praises her regularly for her contribution and rewards her … sometimes monetarily and other times with a dinner out or movie tickets when they achieve their sales targets. Because of this attitude with her employer, she does her utmost best in her work and never thinks twice about working overtime on the odd occasion. In fact she works twice as hard because she’s appreciated and has some flexibility in her working hours. This is a totally different situation to Jenny's previous employer. Jenny had been working for another organisation where her boss was 'married to the job'. Although he had a wife and family, his behaviour didn't reflect this. He worked all hours of the day and night and couldn't understand why everyone else went home at 5.00 p. m. Although she did her utmost best to organise him and get the work done on time, he would always ask for tasks to be done just when she was getting ready to leave for the day. On the many occasions when she worked back or took work home so that her boss would have what he wanted for the next morning, he never thanked her. He just assumed that's what she should do. He never considered her needs. She was a single parent and therefore had major responsibilities. She had a life too. Her boss on the other hand was fortunate to have a wife who didn't work and took care of their personal life. Prior to Jenny being in this role, there had been three other people who had worked in her position, and each one had lasted less than 3 months. Jenny had enough, she left after 6 months and found her current position. It wasn't the money that was her main issue. It was the flexibility and appreciation. Although her boss was pleasant enough, he just didn't understand that there is more to working with someone than just paying their wages. Learn How to Look After Your People As soon as you have people to manage, the most important skill you need to learn is how to look after them. Every client I have coached will often say their biggest challenge is the people that work for them. There are many reasons for this including hiring the wrong people to begin with and the most common being the manager/boss… they haven’t developed the skills on being a masterful manager. What the Boss Wants: Someone who can use their initiative, make decisions in their absence and carry out tasks without supervision. A person they can trust and take many of the basic administrative duties from them so the boss can spend his/her time on more important tasks. A person who can organise them (and in some cases be a mind-reader). An assistant who is their right-hand person and can keep everything running smoothly. What the PA Wants: A boss who they can communicate with. A boss who understands that when they are given tasks to do, although they may have taken 2 minutes to discuss, could take the P. A. 2 days to complete with all the interruptions they have from others. A boss who realises that the P. A. is a person who has to do many tasks as well as answering all the phone calls and often has many interruptions in their day which can cause them to get very behind with their work. A boss who is appreciative of them and realises that the P. A. does have a life outside of work and needs to have time-out just like they do. To be recognised on a regular basis that they are important. They also need to be renumerated for their valuable contribution and should have regular performance appraisals and be offered incentives. The Final Word When employing a personal assistant make sure they are the right fit. If you're looking for someone who can be extremely flexible in their hours and can come in early and stay late, then make sure that person is in the right personal situation to do that. Using our invaluable tool How to Hire the Right People can save you time, money and stress before you go through the process. Employing people is a skill in itself. Keeping them happy so that they will be an important part of your business is another story. See Look After Your People And They Will Look After You Have a great week Lorraine Pirihi

Online How to attract and keep a personal assistant

Want to consolidate credit card debt

Learning how to consolidate credit card debt is one of the best things cardholders can do. Consolidation is perfect for those who are looking to better their credit for the future. There are many advantages for cardholders who consolidate credit card debt. If you are thinking about consolidation, then there are a few things you should consider before doing so. Use these tips as a guide while you consolidate your debt. Why Consolidate? There are several great reasons to consolidate credit card debt. One of the best reasons is to get better rates.

If you can get a better rate on a consolidation than you currently have, then there is no reason not to consolidate. Anytime you can consolidate credit card debt and save yourself money, you should. Locate all of your interest rates from each card and write them on a list. Then note the new rate you would be given. If the new rate is lower than the average of the old rate, then to consolidate credit card debt would be profitable for you. If there are cards that have a lower rate, then you don’t have to include them in your consolidation. Another reason people love to consolidate credit card debt is to make their lives simple. By paying one bill, they can cut out a lot of stress and bill paying time. You should probably not consolidate credit card debt for this reason alone however.

You don’t want to pay more in the long run just to cut out a few pieces of mail monthly. Consolidation also gives those in a credit card mess a chance to get out of it. By consolidating, they may be making lower monthly payments than they would be if they didn’t consolidate credit card debt. By closing out the other accounts, their credit may also be improved. Who To Turn To? When you want to consolidate credit card debt, you should turn to professionals. There are many great credit card companies and banks that would love to help you with your request. Make sure you do your research so that when you consolidate credit card debt, you are certain you are making a decision that is profitable to you. Make sure there are no hidden fees that come with different consolidation plans. Doing your research can help you save money for the future. Making The Choice If you want to consolidate credit card debt, you should first look at all of your debt in detail. Once you know what you have, it will be easier to contact professionals to help you with your consolidation. Don’t be afraid to tell them you are shopping for the best deal. You should do yourself the honor of getting the best deal out there to making your consolidation as worthwhile as possible.

Online Want to consolidate credit card debt

Tax are you paying it twice

This article would prove beneficial for people or websites based countries other than UNITED STATES OF AMERICA and doing businesses with websites or companies in the UNITED STATES OF AMERICA. This is specific to businesses from US to other countries. For businesses originating from other countries see International Tax Laws for that country. For further and more accurate information always consult the site irs. gov Whichever country you are coming from, the term business is always related to tax. It is your financial obligation that MUST be taken into account and paid. Online Business is no different. The way online business differs form other businesses is that it is the easiest way to cross international borders and bring into effect the international tax laws. You may receive the payments by Checks, Bank Transfers, PayPal or whatever. All the income must be estimated and tax should be calculated and paid. If you are unsure consult your Tax Agent. He would be able to guide you better. Online business is mostly generated from UNITED STATES OF AMERICA as all the good sites that provide good returns are based in UNITED STATES OF AMERICA. has opened its gates for people from all around the world (with exception of some countries) to conduct business from these online firms. According to the U. S. government’s rule all income or business generated from U. S. Businesses or income related to U. S. Businesses or Companies should pay tax in the US. The companies in the US are advised to hold tax from you or not to make nay Does that mean you pay the Income Tax TWICE? Once to the US Government and once again when you do your local taxes. The answer in “NO”. The good news is that US has got international rules for dealing with Tax issues arising in these sorts of situations. To get around it you need to fill in the APPLICABLE W-8 series of forms like W-8BEN, W-8ECI, W-8EXP, and W-8IMY and give it the company whom you are doing business. A further note Google AdSense is a bit different. It takes care to see your country of origin and advises you accordingly. You DO need to pay tax in UNITED STATES OF AMERICA. if you have people, services and equipment based in the UNITED STATES OF AMERICA. Having only a hosting service is not considered as owing equipment in UNITED STATES OF AMERICA. More information can be obtained from the following publications: These are some of the links to that give further information on these issues. If you do not understand the technical tax jargon, consult your tax agent or tax consultant. 0506 Inst W-8 (PDF) Instructions for the Requester of Forms W-8BEN, W-8ECI, W-8EXP, and W-8IMY (35.9K) PDF 0206 Form W-8BEN (PDF) Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding (66.8K) PDF 0206 Inst W-8BEN (PDF) Instructions (43.8K) PDF 0206 Form W-8ECI (PDF) Certificate of Foreign Person's Claim for Exemption From Withholding on Income Effectively Connected With the Conduct of a Trade or Business in the United States (56.6K) PDF 0206 Inst W-8ECI (PDF) Instructions (32K) PDF 0206 Form W-8EXP (PDF) Certificate of Foreign Government or Other Foreign Organization forUnited States Tax Withholding (59.6K) PDF 0206 Inst W-8EXP (PDF) Instructions (37.5K) PDF 0206 Form W-8IMY (PDF) Certificate of Foreign Intermediary, Foreign Partnership, or Certain U. S. Branches for United States Tax Withholding (65.6K) PDF 0206 Inst W-8IMY (PDF) Instructions (44.4K) PDF

Online Tax are you paying it twice

Groove network good but how good

If you are in a business that passes documents around to be reviewed and edited over and over before they are ready to be posted for advertising or for a client, then you have probably already heard of a software solution to help keep your “floating” documents organized from Groove Network. You may not be aware that there is another option out there. In this article you will be presented with some basic information about the differences in collaboration software from Groove Network and NextPage. Idea behind collaboration software. The central idea behind having collaboration software is that it allows business professionals to work directly with other business professionals by allowing them to work together to create business documents, presentations, and budgets. Most collaboration software is centralized. This allows business professionals to work on the same documents at the same time from different locations. Some centralized collaboration software solutions include Groove Network, Microsoft SharePoint, Documentum, and Filenet. Groove Network Advantages.

There are a few advantages to using centralized collaboration software such as Groove Network. The main advantage being that they work very well for team collaboration. Groove Network’s software keeps all files, projects, and data in one centralized location that everyone who is working on the project can access. This allows them to review and update the same document that everyone else has used, which essentially keeps everyone working on the same page. Drawbacks to Groove Network. While the collaboration software solution provided by Groove Network is very useful and beneficial, there are a few drawbacks to using it. The main disadvantage being that Groove Network’s software requires the use of an IT infrastructure. Another potential drawback is that it requires an extensive amount of installation time. Other collaboration software options out there also require everyone you work with to have the same software in order to share information.

All of these drawbacks to centralized collaboration software can be very expensive and inconvenient. Are there any other options? An alternative solution to the centralized collaboration software is NextPage. NextPage 1.5 Collaboration Software tracks documents with Digital Thread technology. Say, for instance, that you are working on your company’s budget.

You want to make sure that your facts and figures are correct so you send your spreadsheet to several of your co-workers for review. They look over the spreadsheet and make the necessary changes. They then return their spreadsheet version to you, and with NextPage 1.5, you simply merge the document versions together into one. NextPage 1.5 lets you see all of this visually via a graphical version history. With the graphical version history, you would always know where the various versions of your spreadsheet are stored, what changes have been made, who has reviewed your spreadsheet, when the revisions were made, and how the revisions fit together. NextPage makes it easy to see where the document has been and what revisions have been made. So what are the major advantages of using NextPage? The major advantages to using NextPage’s collaboration software include the following: Do NOT need a centralized server Do NOT need an IT infrastructure Installation can be done in a matter of minutes Will work with associates who are NOT NextPage subscribers Solves document management problems where they originate In conclusion, if you are in a business that could greatly benefit from using collaboration software, look at and evaluate the possible software options out there and see which one will be of the most benefit to you in your company. I have presented a few ideas for you to think about and get you started in your decision. So get out there and organize your document management!

Online Groove network good but how good

Translation services use a translator a translation agency or do it in house

A challenge almost any company entering an international market will be faced with is translating its marketing materials, product and service documentation, and other documents into the language of the target market. Depending on your requirements, there are basically three options: You can do the translation yourself or have someone in your company do it. You can find and hire a different translator for each language. You can hire a translation agency. To make this decision, you will have to consider several factors, including your abilities and resources, your needs, and the cost. Your Resources Do you, or does someone else in your company, have the ability to do the translation? If you require a translation into Spanish, for example, and you have a Spanish-speaking employee in your company, it is tempting to simply assign him or her to perform the translation services. However, there are several factors to take into account: 1. A translator is more than just someone who speaks two languages. A translator has to be perfectly fluent in both languages and will usually translate from her second language, the source language, to her mother tongue, the target language. It is of great advantage if she lives in the country your translation is intended for. She needs to be familiar with the topic that is translated and have excellent writing and editing capabilities in the target language. Consider this: When you have your marketing material written, do you simply choose any person who speaks English? Or do you select someone with excellent writing skills – and still have the text proofread by a second pair of eyes? You should have the same demands for your potential translator. So does your German, French, or Spanish employee have the necessary writing skills in her first language? If, however, you have such enormous requirements for translation into one single language that you can employ one translator full-time, this might be the most economical option. Just make sure that you have the necessary expertise to choose a competent translator. Remember: this will be the only person to perform all your professional translation services. If you are dissatisfied with the work this person is doing, it will not be easy to switch translators. Also, you will probably still want to have someone else proofread the translation, just as you probably had someone proofread your original texts. 2. Having you employees perform the translation services costs you too Do not forget to take into account the time it will take your employee to work on the translation. A professional translator can translate about 2,000 words per workday. Someone who is less experienced may need quite a bit more time. During this time, your employees working on the translation won’t be able to perform their regular job tasks. Your Needs Do you regularly require professional translation services into one language or do you need a one-time translation of one or more documents into several languages? If you regularly need translation services into only one or two languages (20,000 words or more per month), it may be worthwhile to hire your own professional translator to work in your company full-time. If, on the other hand, you occasionally need translations into many languages, or if you have very large translation jobs to be completed in a short time, using a translation agency will take care of all the necessary logistics. The agency will find the appropriate translator for each language, or possible more than one translator if the deadline is tight, assign the proofreading tasks, and ensure that everything is completed on time and the service quality is top-notch. Cost The cheapest option to get your translation services done is seemingly doing it yourself or having an employee of your company do it. However, there are hidden costs, such as the time spent and possibly inferior quality, that you should consider. A poor translation can cost you more in business than you would ever have spent on having the work done right. Another option, which is also quite cost-effective, is hiring a freelance translator yourself and skipping the middleman, i. e. the translation agency. If you decide to go this route, make sure that you have the knowledge and experience to pick a qualified translator and to judge the quality of the translation. The last option is giving the job to a professional translation agency, which will take care of everything related to the required translation services. This is the most recommended option for most companies. It ensures that you get the best possible quality, which is the most important factor when deciding which way to go. Remember: You may pay a little more for this service upfront, but you will keep paying for a poor translation for as long as you use, publish, or distribute it. The cost in lost business due to poor quality translations dwarfs the money spent on a good translation. When using a translation agency, you also won’t need to worry about paying the translator internationally, as it is always a good idea to choose a translator in the target country. The decision is yours. You have several viable options, depending on your resources, needs, and cost. Always keep in mind though that the most important factor when choosing any professional translation service provider is quality. © Christian Erwig-Straughan

Online Translation services use a translator a translation agency or do it in house

Secured debt consolidation loan united we stand divided we fall

You all might have heard of age old saying that there is strength in unity. It is interesting that the validity of this statement is applicable to repayment of loans also. We all find ourselves caught in debt trap at some point of time or other and getting out of this situation requires debt mangement. So, here that old age saying again comes into the picture, lets see how , you may well find that you've got debts littered all over you have credit cards bills, a car loan, an overdraft and a house payment . No wonder it's been hard work keeping track of your spending, all you have to do is to unite them all. A secured debt consolidation loan brings together or consolidates various debts and multiple payments .

These are then repaid with one loan, one monthly installment, one loan lender and low interest rates. This means, that if you have several monthly payments or a number of different loans, you can make things easier by consolidating them and taking one single loan to pay off the total debt. Secured debt consolidation loans require the borrower to offer their home or any securable asset as collateral. Real estate and vehicles are the most common collateral for secured debt consolidation loans . The borrower does not lose his right over the collateral. The secured debt consolidation loan provider holds the right till the borrower completely repays the loan. Once loan has been paid, his rights can be redeemed. The amount that one can borrow as secured debt consolidation loan depends primarily on the collateral placed. As the risk borne by lender is taken by by colletral security the rate of interest being offered on secured debt consolidation loan is low and with a lower monthly payment and lower interest rate on the same amount of debt you end up with a lower monthly payment and have more cash on hand at the end of each month, while your debts are still being paid off. Here, another point worth considering is that by taking up a secured debt consolidation loan the borrower is not making his situation worse by taking up a new loan rather secured debt consolidation loan simply “transfers” the debt to a new lender and that too with lower rate of interest and favourable terms.

For some consumers a debt consolidation loan may be their best option, lets see how : • Making one single payment is much easier than figuring out who should get paid how much and when. This makes managing your finances much easier. • Since the Debt Consolidation loan can be paid off over a longer time period, the individual monthly installments are also reduced. • Reduced interest rates: as it is a secured debt • Another point to consider is that, by consolidating, the borrower is faced with “one large payment to one creditor” rather than “many smaller payments to many creditors.” While this can be very beneficial. • You can apply for a debt consolidation loan even with a bad credit history • Enable you to payback unpaid debts. • Secured debt consolidation loans are useful in avoiding bankruptcy as well as simply getting a person's life back on track.

Online Secured debt consolidation loan united we stand divided we fall

Four easy ways to prevent spyware

How would you like to prevent spyware and adware from getting into your computer? You need to stop adware and spyware before it gets into your files. That way you're protecting your private information such as passwords, credit card numbers and other documents that you don't want to share with anyone. Spyware and adware removers are important because they clean your computer of malicious files. But the best thing you can do is prevent spyware from ever being installed in the first place. Here are four ways to help prevent spyware and adware from getting into your computer. Keep Your Windows Software Updated One of the best ways to prevent spyware and adware from getting into your computer is to keep your Windows operating system software updated. Microsoft Windows update addresses security fixes that are constantly updating so your computer won't be vulnerable. Windows update is a free download from Microsoft at: http://update. microsoft. com/windowsupdate/v6/default. aspx? ln=en-us Use Computer Firewall Protection One of the most effective ways to stop spyware and adware is the use of computer firewall protection. Computer firewalls put up barriers to keep any malicious programs from being downloaded without your knowledge when you are on the Internet. Computer firewall protection monitors everything going in and out of your computer. This acts as a protective shield allowing good data through while blocking the bad data from entering your computer. Most people don't realize that if you use Windows XP it comes with a firewall that you can turn on or off. Microsoft's site explains the step by step process to enable or disable Windows XP Firewall with a tutorial at: http://support. microsoft. com/default. aspx? scid=kb;en-us;283673 Be Careful What You Download Another good way to prevent spyware and adware from getting in your computer is being careful what you download from the Internet. There are a few types of software that are particularly notorious for including spyware and adware. File-sharing programs used to trade music, free games, screen savers, and even smiley face packages have been a problem because many of them contain adware. Be aware of any product that claims to be free because it is likely to contain spyware and adware. Many free programs usually generate revenue from pop up ads or can even hijack your browser to take you to web sites you did not request. Here's another tip to prevent spyware from being downloaded without your knowledge. When you close a window on the Internet never click on a box that says "agree" or "OK." Instead, click on the "x" located in the upper right corner of the window. Some programs trick you into agreeing to download software that you have never seen when you click on these. Install Spyware Protection Software Spyware protection software is the easiest way to automatically remove and prevent spyware from infecting your computer. You may wonder why you would need to purchase spyware protection software if there are free spyware cleaners. Free spyware cleaners are good programs to get rid of spyware viruses you already have on your computer now. But many spyware programs automatically reinstall themselves even after they are removed. For this reason free spyware cleaners are not a permanent solution to solve spyware and adware problems. Spyware protection software is designed to find all hidden programs and disable them before they have a chance to work. It's important that you get this software installed immediately on your computer. Once you remove spyware and adware programs from your computer you'll find it will run faster and your personal information will be much safer. These tips should give you some insight on how to stop spyware and adware in its tracks. Your security and peace of mind is worth spending a little time to prevent spyware and adware from getting into your computer and taking over. Copyright © 2005 - Spyware-Information. com - All Rights Reserved.

Online Four easy ways to prevent spyware

Paper quilling 101 essential basics to getting started

Paper quilling is a form of art or craft born out of creating decorative designs using thin strips of curled paper. This age-old quilling craft has emerged since the Renaissance time, and dated back to about 3 centuries old. It was during the time when all the nuns used small edges trimmed from the Bible pages. From there, those pieces were used to create simple but beautiful form of artistry. This craft was known as “Quilling” due to how the scrapped of paper were wrapped around goose quills to create “coiled shapes”. Getting into paper quilling craft was not expensive as most of the time you will only need few inexpensive basic materials, which you can buy at most art and craft stores. Because of this, paper quilling has created much interest in family and friends especially home makers into creating endless opportunities around this paper craft. They are some enthusiasts who are totally involved in the craft, making their own sets of designs and ornaments, and even making it big by having inventories large enough to enter into local arts and crafts show. With hard work and perseverance, anyone can be assured that the opportunities opened up by this unusual and highly flexible medium are endless. Christmas ornaments made through paper quilling are quite common and in-demand. According to a paper quiller, Lana J Bates had earned $900 in a farmers’ market Christmas crafts show.

That’s quite a good to gain. Moreover, the tools used in paper quilling are rather simple and straightforward. Some of the common tools used in the process are slotted quilling tool, needle, glue, tweezers and pins. Just by using these simple tools, long strips of paper are wound tightly and released, and hereby forming complicated and complex shapers. To get higher precision of quilling accuracy, these tools should be made with better metal quality and made to last longer.

Here are some of the basic uses of such tools Slotted Quilling tool – the slot that is attached along its shaft is used to hold the paper securely as you turn the tool in your hand. Generally, the knurl on the handle ensures a firm grip of your hand that will be helpful in the rolling of a neater and even tight roll. Needle tool – Basically the needle used to used to enable a finer centre hole after rolling. This will generally produce a much tighter roll with a smaller hole in the center. Glue – One of the most important tools in paper quilling. The glue is widely used in joining the shaped quills. In order to produce better and tighter quills, a basic mastery of glue handling is necessary ie the quantity and how you apply them onto your paper. Tweezers – Tweezers are excellent tool to put together small bits and pieces of your paper quilling in right place. They can be used to hold the coils that have been shaped, while you put a few drops of glue on the edges you are glueing together without damaging it. Pins – While the tweezers will help you to put together all the small bits and pieces when you are sticking them, pins are used when you are drying up the glue. The pins will allow you to put the project aside and finish it later, while waiting for the glue to dry up.

Online Paper quilling 101 essential basics to getting started

Who to go to for debt advice

Personal debt is not only a very common problem in Western countries; it is a very difficult problem to prevent, or overcome, at an individual level. It is, indeed, very personal. For that reason, many people may want to keep quiet about it, and maybe not even tell close family that there is, or is about to be, a money problem. They would probably benefit from some help, but who do they go to for debt advice? Prior to actually receiving debt advice, most people will go through three phases: Firstly, acceptance that there is a debt problem; Secondly, deciding whether to seek advice from a third party about the problem; and Thirdly finding out where to get advice and then seeking it. Acceptance of a Debt Problem Personal debt is something that many people may not even be aware of as a problem, even when it is. They may be in a revolving debt situation, whereby they keep borrowing more to make repayments on existing loans and credit card debts. As each facility reaches its maximum, they may seek another credit card, to add another creditor to their revolving debt cycle. Eventually, the debt roundabout stops, and creditors come after their money. If acceptance of the problem has not be there before, suddenly a person may be forced into acceptance. Deciding Whether to Seek Debt Advice Once the debt problem is accepted, or acknowledged, by an individual, they then have to decide if they need to seek advice. Some people may be aware that they have a problem, and for a variety of reasons, may think that they can get by without any outside advice. They may think they do not need help as they can sort the problem out themselves. It is also quite common for some people to be too ashamed and embarrassed to admit that they have a debt problem, especially if they live in a country where being in debt has a social stigma attached to it, such as the UK. Others may just think that getting debt advice is either too expensive, or that they will be conned out of their money, or both. Eventually, though, the weight of the debt burden forces most people to consider seeking advice on their debt situation. The pressures from creditors may become so overwhelming that even the most reluctant may seek some sort of expert debt advice or counseling. Who Can Provide Debt Advice? The next stage can be as difficult for many people as the earlier two: finding somebody appropriate, trustworthy and knowledgeable, who can be relied on to provide sound financial advice in a way that benefits you, and will help you extricate yourself from the burden of debt. As with any problem, it is best to share with those close to you; indeed, with debt, they may well be affected anyway, so they should know. While you have been quietly suffering with debt worries and keeping it to yourself, your spouse or close friend may know somebody who can give free and useful advice, as well as share the emotional burden. Should there be nobody in your close circle who is able to give you useful advice, which is normally the case, then you need to consider your local options. The local options for debt counseling and advice will depend on where you live. The local laws may vary greatly, and it is important that you consult somebody who is aware of current regulations on consumer debt, and the treatment of debtors by creditors. That way, you may have your worries eased about your creditors coming to your house, and taking your possessions as a way of recovering their money. You will be aware of any legal protection you may have in your country or state, and act accordingly to protect yourself. For those who live in the UK, there is a free option for debt advice: the Citizen's Advice Bureau (CAB). The CAB have specially trained people who concentrate mainly on consumer credit counseling work. They will provide the advice you need on your rights, help you assess the debts, and then write to your creditors on your behalf. Having an advisor who will contact your creditors, and deal with them on your behalf, can reduce the personal pressure enormously. In other countries, options will vary. What can discourage many from seeking advice about their debt problem is a fear that they will be cheated by an unscrupulous counsellor. Debt is an industry that, unfortunately, does attract some who prey on the unfortunate. They may lure customers with claims of being able to clear a bad credit record, when in fact it is not possible to do so. They may tempt people in bad debt with consolidation loans, demand a high up front payment, and then get a high commission on the loan as well. Such sharks are quite easy to avoid if you shop around for the best counselling services at a reasonable cost. The following tips may help wherever you live: 1. Check with local and central government agencies to see if there are any free debt advice services. If not, ask if there is a licensing system for legitimate advisors, and stick to those. 2. Be wary of outrageous claims to clear your debt, and requests for large upfront payments. 3. If you decide a consolidation loan may help, shop around carefully, and select the lowest interest rate option, with no upfront charges. Once you have found an advisor, be sure to take their advice, and co-operate in every way you can to allow them to improve your debt situation. It will be worthwhile in the long run.

Online Who to go to for debt advice

Film schools how to choose a winner

It seems like everyone today want to be an actor. While acting can certainly be a very rewarding profession, in both monetary and fulfilling terms, it’s probably one of the most difficult areas of film to break in to. If film and television is your passion, there is a whole host of other jobs that will get you into this sometimes glamorous, always competitive industry. Whether you’re interest lies in directing, producing, or even script-writing, choosing the right school is the most important decision you’ll making. The first step in getting into the film industry is determining what type of career you’re interested in. Just about any job in the film industry pays very well, so you should be ready for plenty of competition. You should also be aware that you’ll need to start at the bottom, often as a production assistant (answering phones, getting coffee, etc) before any hopes of working in the field you were trained in. Also know that you’ll need to move to where the work is. If you’re planning on working in film this often means working on location for weeks, sometimes months at a time. Choose the Film School that Meets your Criteria If your passion is continuity, don’t go to one of the film schools that focuses on directing. While it is typically important to get a feel for all areas of film production, you’ll want to spend the most time focusing on your own career goals. Look for film schools that allow you to take specific classes in your film degree rather than a set course load. With the popularity of film related jobs, there are film schools popping up all over the place. This means you’ll need to do your research to ensure you’re not paying thousands of dollars to get a degree or diploma that is considered a joke. Make sure the school has been around for quite a while and check their credentials. Many major universities also offer top notch film degrees which are well regarded in the industry.

Online Film schools how to choose a winner

Andalucian cuisine a guide

Undoubtedly one of Spain’s most culinary rich regions, Andalusia is an area famed for its cuisine and its culture of food. Much like the rest of Spain, food is an important part of social life; here the meal is about a lot more than simply eating. Andalusia is also the home of one of Spain’s favourite exports; tapas. Restaurants can now be found in most major cities around the world, but to taste the original you should head to Seville. Also the region is the world’s largest producer of olive oil with some of the finest in the world being produced in Andalusia’s olive groves. As you would expect, olive oil is the basis for lots of the region’s cooking and accompanies many of the dishes.

The diversity throughout different areas of the region is huge, a myriad of different influences have shaped the regions gastronomy over the past centuries as well as its geographical diversity. The Moorish legacy still remains strong and can be seen especially in the sweets and desserts of the region, many of which are flavoured with aniseed, cinnamon, almonds and honey. Blessed with a superb climate the region has a year round growing season meaning that fruit and vegetables can be picked locally, even in winter. Locally grown asparagus and avocados are regarded as some of the best in the world and there’s never a shortage of fresh produce to add weight to regional menus. Probably the most famous dish in Andalusia is “Gazpacho”; a chilled soup made from tomatoes and other vegetables and one that has been copied the world over. In the stifling heat of an Andalusian summer, “Gazpacho” is a very refreshing lunch dish or starter and shouldn’t be missed by those visiting the area. Coastal areas of Andalusia tend still to be dominated by seafood with many options for sampling the bounty of the Mediterranean.

“Pesca’ito frito”, a regional favourite, is a variety of fish fried together in olive oil and is perfect to display the broad range of fish on offer. Beach-side restaurants, locally known as “Chirengitas”, are excellent ways to sample local seafood with more emphasis being put on fresh cooked produce than comfort, pomp and service. These informal eateries serve up a massive variety of dishes from baby squid in garlic to fresh barbequed sardines (usually cooked on a bamboo spit) and really constitute fantastic value for money. For those looking for finer dining then cities like Malaga and Seville boast no shortage of gourmet restaurants, and many have excellent reputations throughout Spain. Inland regions tend to lean more towards poultry, game and, the regions favourite meat, pork. Indeed the pig is a highly lauded animal in Andalusia whether cooked fresh to make dishes such as meat balls in almond sauce and pork loins in orange and sherry, or whether cured to make sausages and “Jamon Serrano”. Indeed the region is home to a special breed of pig known as the “Iberico” or, more colloquially, the “pata negra” (literally “black foot”, denoting the pigs black hooves). This small, brown pig is used to make some of the finest cured hams in the world – the town of Jabugo is reputed to produce the very best - the flavour of the ham is down to the strict diet of acorns which is administered to the pig, and this particular part of the Huelva region has the perfect micro-climate for sustaining oak trees.

Andalusia, as mentioned above, also utilises the pig for making sausages, a foodstuff intrinsically linked with Spain’s cuisine. The “cana de lomo” is a smoked sausage made with tripe and the “morзon” is made with trimmings of pig shin and both serve as excellent examples of the many regional variations that are produced. However it’s not all pork; deer and wild boar can be found in Cordoba and the Guadalquivir region around Seville provides the area with excellent duck, often cooked with Seville onions and widely eaten throughout the city. It is this diversity in one of Spain’s largest provinces that make it such a rich culinary region and a real must for food lovers.

Online Andalucian cuisine a guide

Insulating your garage 193

Insulating you garage You recently bought a house that has a bedroom addition above the garage but it is not insulated. Adding insulation should make those rooms more comfortable and save on energy bills. There are several options for insulating above the garage. Depending on the local building codes, the size of the area, whether you decide to hire a professional or do it yourself and maybe the most important factor is your budget. If you have a sheet rocked garage, the fastest way would be to have blown-in insulation installed behind the sheetrock. A fair warning here, the blown-in insulation may be expensive if your garage is small. If your garage is not sheet rocked you have to install lame-spread rated batt insulation and cover it with sheetrock. First check your local building codes for the requirements of the thickness of the sheetrock for garages including fire safety rules. The lack of smoke detectors in a garage and the possible storage of flammable and combustible liquids can cause a garage to be considered a hazardous space. This is the reason why you should contact a local contractor to help you in insulating this space. (word count 193)

Online Insulating your garage 193

How to cope with your home business and your daily tasks

If you’re hearing the song that Bachman-Turner-Overdrive made famous in the 60s, that’s exactly what I want! I’m not talking about “business” in a strictly financial sense, but “business” with the idea that whatever you’re shooting for success-wise, you complete your tasks. Once you have a course plotted for success, there are going to be a million things that will vie for your attention and time. It’s not that these things haven’t been there before now, and it’s not even that the world is plotting against you succeeding. It’s just that now you have a focus and you’ll begin to notice things that seem like they shouldn’t be on your radar screen.

It doesn’t mean that you don’t do the little pesky things that are buzzing and want to be taken care of (especially if it relates to your job), just that you must not let those things pull you off-track. So how do you stay on-task? The best way I’ve found, bar none, is to keep a log of tasks that must be accomplished as you move towards your goal. Remember to break the big tasks in to a series of small ones and to give yourself a reward-system as you do it. I use check-marks; others use stickers (sounds silly, but if it works for you, who cares?), still others use tangible rewards as they accomplish “x” number of small or large tasks. Whatever motivates you is your key—keep it simple and keep it attainable. If the carrot is too far out in front of the horse, the horse will give up. If it’s just close enough to smell and see but just out of reach, that horse will keep moving towards the incentive. Let’s say your goal is to lose 60 pounds. That’s quite a chunk of weight and can take a long time to accomplish.

Let’s also say that you need a new wardrobe. Should you wait until all the weight is gone to buy those new clothes? Probably not—your current closet full of clothes will look awfully loose and ill-fitting if you do. But let’s talk about small, incremental rewards that help move you towards your goal. If you lose 10 pounds, your current clothes won’t look baggy on you, but you will notice a difference in your waistband that might bother you. Don’t chuck the pants or go buy a new pair—take the current ones to a seamstress or tailor to be taken in. It’s a small reward and saves you the money of buying new pants that you will continue to shrink out of. It also keeps you motivated. For the next 5 or 10 pounds, think about some new cosmetics or a new hairstyle—small things that will make you feel better, inside and out. Takin’ care of business and staying on task. Now that’s the way to chart yourself to success!

Online How to cope with your home business and your daily tasks

Check your travel insurance with worldwide coverage

Available are overseas health and foreign travel insurance with worldwide coverage. Provides international health and life insurance products designed to meet the needs of those that travel or live outside their country of citizenship. Check your health insurance policy if you plan to travel in a foreign country. Having Health and Travel Insurance is a condition of enrolment and this premium will automatically be charged to your student fees account. Mondial product range has now expanded to include automotive assistance, travel insurance, medical assistance and overseas student health cover. These days, when you are traveling internationally on a vacation or for business travel, you need international travel health insurance. With international health insurance and travel insurance - you can go with confidence. International travel medical and health insurance, featuring trip cancellation travel insurance online. In addition, while many travelers have health insurance, it sometimes does not cover them outside of their network or outside of the United States. international travel insurance, immigrant, nanny, J visa, health insurance.

citizens. BuyHealthPlan. com - Portal for international life and health insurance for expatriates and travellers. If you won't have any health coverage while you're traveling, you might want to look for a travel insurance policy that includes medical coverage. BenefitHouse. com provides a free quoting service for affordable travel insurance, international health insurance trip cancellation insurance and annual travel insurance. Also known as holiday insurance, travel medical insurance and travel health insurance. TFG Global Travel Insurance can even supply online international health insurance for expatriates and some local nationals where conditions permit. These forms must be completed before you travel in order to be covered by the insurance policy.

In some cases, it might be your best option to purchase a trip cancellation waiver and a third party travel insurance policy. Finally, if you and/or your family travel often, ask your insurance company about an annual policy. Click here to view a specimen of the travel insurance policy. At InsureMyTrip. com, you can compare each policy and get the information you need to purchase travel insurance with confidence. At InsureMyTrip. ca, you can compare each policy and get the information you need to purchase travel insurance with confidence.

It is advisable to always ensure you have a comprehensive travel insurance policy which covers you for repatriation to your home country. You can compare each policy giving you the information you need to make an informed decision about your travel insurance needs. He permitted his 12-month travel insurance policy to expire just a few days before his departure for home. Travel insurance policies may be purchased for individual trips or as an annual policy for all trips taken in the year of insurance. At the very least, you will probably discover that specialist travel insurance is better value than topping up a standard policy with extra cover. The cost of travel insurance varies from company and policy to policy. If you think your travel plans can change, then consider a travel insurance policy that meets your needs. Again, most standard accident, disability or life insurance policies cover these accidents, which rarely happen during travel. Make sure you get travel insurance that can cover you for all your gap year adventures.

When you're traveling, after all, it helps to cover yourself with some worldwide travel insurance. Choose from individual, individual & partner or family holiday travel insurance cover. Most travel insurance plans include emergency evacuation, assistance, baggage, trip interruption coverage, optional hazardous sports cover and much more. Tell me about the Worldcare travel cover Travel insurance provides you with security and protection whilst you are travelling domestically or internationally. Always check the details of the insurance cover before you travel. Watch out for travel insurance companies that include non-essential benefits as part of their cover - for example, a travel advice line.

You can buy supplemental medical insurance, baggage insurance and policies that cover money lost if a travel vendor defaults. Quality cover at amazing pricesSecure and easy to use online travel insurance cover. Instant quote and cover for single trip, backpacker and annual travel insurance policies. If you are willing to assume a financial risk (the cost of your trip), you can probably forego insurance for your domestic travel. Annual travel insurance Multi trip insurance for every holiday you plan over the next 12 months. You can buy the best in single and multi-trip travel medical insurance, trip cancellation and vacation insurance online. It dynamically changes the order of plans based on comparison of your trip insurance needs with the needs of thousands of other travelers.

Whether searching for single trip, annual or specialist cheap travel insurance UK, all needs are catered for. Travel InsuranceSingle trip travel insurance, annual travel insurance and winter sports travel insurance - available to buy online now. Enjoy peace of mind on your vacation with budget single trip or cheap annual travel insurance! Arranging comprehensive travel insurance is an essential element in the planning of your trip. Since 9/11, many are looking to travel insurance to safeguard their trip against any unforeseen terrorist attacks at their destination. http:// insurance-health-quote.


Online Check your travel insurance with worldwide coverage

Buying health insurance in ohio

Ohio residents are afforded certain protection when buying health insurance from a state licensed insurer as a result of standards put in place by the Ohio Department of Insurance. Below are some of the standards you should be aware of when buying insurance: Alcohol Treatment : There must be at least $550 per year in alcohol treatment whether inpatient or outpatient Mental Illness : On an outpatient basis, there is a requirement for $550 per year for treatment. This applies only if the policy covers in hospital treatment of mental illness. Kidney dialysis : If an insurer provides coverage for dialysis in a hospital, it must also provide the same coverage for dialysis on an outpatient basis. Specific practitioners : Health policies in Ohio cannot discriminate against particular health professionals. It must pay any licensed professional who legally performs a service. This includes Chiropractor, dentist, nurse-midwives, Mechanotherapists, osteopaths, Optometrists, Podiatrists, Psychologists Generic drug use : If a policy covers prescription drugs, it must pay for any legally approved drug prescribed by your doctor even if it has not been approved by the government for treating your particular medical problem or disease. Pregnancy and Maternity : Insurance companies do not have to offer maternity benefits, However, when it is provided, it may never be considered a pre-existing condition. Although, under certain conditions, an insurer may impose a 270-day waiting period before providing maternity benefits. Mammograms: Every major medical policy group and individual must cover mammograms for breast cancer screening in adult women. The frequency varies depending on age: Age: 35-39 One only Age: 4-49: One every two years unless your doctor has reason to believe you are a high risk for breast cancer Age 50-64: one a year. This is subject to a maximum of $85 per covered mammogram. Please view our recommended insurance quote companies below. They are also great sources for information about rates and coverages for most of the lower 48 states.

Online Buying health insurance in ohio

The allure of historical wall tapestries

: Since antiquity people have used textiles for all range of purposes. From blankets for warmth, to elaborate woven fabrics for commerce, they have been at the very center of human life. The need for textiles, combined with our desire to enhance the world around us, has given rise to a huge range of fabric based art, everything from basic colored cloth to complex woven textiles. Tapestries and wall hangings have long been one of the most accomplished forms of this art, having a history dating back millennia, and artists from almost all cultures have contributed some form of textile wall art. Recently tapestries and wall hangings have enjoyed a rise in interest, with many people looking beyond traditional options for wall decor. The tactile nature of tapestries, combined with their rich history, has made them once again a choice for the well-informed home improver. Traditional tapestry designs Although there is an increasing amount of contemporary art available as tapestries, it is the traditional designs from the past that are the most popular.

Since tapestries have enjoyed a long history these can include anything from Gothic wall hangings, to French Baroque and Rococo works from the 17th and 18th centuries, to more recent 19th century William Morris and Pre-Raphaelite art. The main appeal of these impressive works is their connection with history. The range of designs and themes is vast and include subject matter as diverse as the rise and fall of nations, the importance of art movements at different times, and the prominence of individual artists and groups. Most appealing is that each has its own claim to history. This combination of artistic excellence and history writ large is proving irresistible to many art lovers who yearn for more depth in their home decor choices. There are many famous tapestries from the past. In particular the middle ages took wall tapestries from the domain of practical decor into the realms of art. Boasting famous works like the Bayeux Tapestry and the Lady and the Unicorn series, the medieval era is seen by many as the golden age of tapestry art. More importantly for the first time we see tapestry wall hangings widely appreciated as works of art, rather than just practical pieces of home furnishing. A growing popularity Reproductions of these famous works are proving very popular with modern audiences.

Given the historical importance of these works of art some of the current productions available are fastidious copies of the originals. The very best of these capture the drama and virtuosity of historical art, perfectly blending it with modern weaving methods. The end result is often very faithful to the original artists' vision, with all the durability and appeal of modern fabrics. From the vivid colors of medieval tapestries, to the exoticism of Eastern schools of weaving, traditional tapestry designs often surprise modern art lovers with their attention to detail, their ability to capture emotion and their exploration of timeless themes such as love and romance. An enduring allure Because of this these centuries-old designs are enjoying a renewed prominence and are once again making their way into the homes of taste conscious art lovers. Every tapestry, because of the individuality of the weaving process, is a unique work of art unlike any other. In a world driven by mass production art and home decor enthusiasts are drawn to the uniqueness of wall tapestries as an antidote to the monotony of many other dйcor options. Now, despite their ancient origins, many people are again looking towards historical tapestries and wall hangings as an answer to their modern home decor aspirations. With an ever growing range of options for shoppers the choice has never been better.

Copyright © The Tapestry House, all rights reserved.

Online The allure of historical wall tapestries

Most computers have poor spyware protection

Almost 80% of computers have spyware contamination Recent studies suggest that almost 80% of personal computers have some kind of spyware contamination. Spyware is quickly becoming the biggest threat to privacy and security on the internet. “The audited number from the past year clearly shows that spyware is rapidly becoming one of the internet’s most dangerous threats”. Said Matt Cobb, Earthlink’s Vice President of Core Applications. Spyware can lead to identity left What is Spyware? Spyware is any software that uses an internet connection to put itself on your computer without your consent. Spyware then allows others to read information from your computer without your knowledge. Brian Bruke, an IDC Security Research Manager says, “Spyware's ability to track keystrokes, scan hard drives, and change system and registry settings is a tremendous personal and enterprise security threat. These activities can lead to identity theft, data corruption, and even theft of company trade secrets.” Get your free anti-spyware scan There are several spyware tools available, but many provide insufficient protection. One of the better tools is SpySifter by Codeblue. Their software protects your computer from over 100,000 different spyware and adware attackers. SpySifter protects your computer from spyware objects such as Adware, Browser Hijackers, Firewall Killers, Flooders, Hijackers, Trojans, and Worms. The quickest way to check your computer is with a free scan from http:// spysifter. com. For more detailed information about the SpySifter product checkout their corporate site at http:// codebluesoft. com.

Online Most computers have poor spyware protection