Affiliate marketing and back end selling

In affiliate marketing, all people involved in the program get benefited. The affiliate earns income each time he refers a visitor to the website of the merchant. And on the other side, the merchant produces sales without spending a lot of funds for advertising and promotion. The goal, of course, of both sides is to attain as much earnings as possible. Since the goal is to earn more income, both affiliate and merchant should consider including the practice of back-end selling in their business activities. Back-end selling is a great support for affiliate marketing. It can greatly augment the income produced from affiliate marketing. Basically, back-end selling is the selling being conducted after the initial sale.

That is, when a visitor becomes a paying customer for one product, another product can be advertised and sold to the same customer. This second product is called the back-end product. Since the customer is already acquainted with the merchant or affiliate, there is already an element of trust planted in between. Selling the back-end product may be easier than the initial sale.

Historically, back-end selling has helped boost the sales of both the online businesses and the land-bound companies. As indicated before, the major reason is the established trust between the customer and the merchant or affiliate. If the customer is satisfied with the first product that he purchased, he will logically assume that the online company is offering quality products. A satisfied customer can be easily turned into a “repeat customer”. The usual technique in backend - selling is to make the customer aware of another product, This second product can cater to the other needs of the customer. And when the satisfied customer becomes aware of the second or back-end product, he will certainly look into it and may decide to purchase it. After such a sale, the merchant or affiliate may offer another back-end product. Back-end selling had been proven to be powerful in augmenting the income many traditional and land-bound companies.

This marketing practice has also made hundreds of online companies flourish and expand. Therefore, it can be a marketing practice that can surely work well with affiliate marketing. While affiliate marketing will attract new customers and lead to the first sale, the back-end selling can build loyalty among the customers. In other words, back-end selling is one major ingredient in creating that winning formula in affiliate marketing. Every affiliate should look into the financial promise of back-end selling when coupled with affiliate marketing. These two can make the affiliate earn unbelievably amazing income.



Online Affiliate marketing and back end selling

Different types of atv accessories

The ATV has gained huge popularity because of its versatility. It is included in many different outdoor activities like racing, hunting and camping. This has made way for many customizable features that you can add to your ATV. Racing ATVs look very different from conventional ATVs that you may see in rural areas. They are usually customized with different wheels, shocks and exhaust systems. The wheels on a racing ATV are narrower to give it more speed and turning ability. The wheels are also upgraded to a lighter and stiffer aluminum alloy the reduce weight and handle impact from jumps. The shocks are one of the most important upgrades because there are many jumps on a typical course. The shocks need to give enough to absorb impact with minimal speed loss. They also must be stiff enough to maintain the vehicles integrity on tight corners. Loose shocks could result in a rollover if the turn is too tight. Many riders are constantly tweaking their shocks to find the perfect combination to maximize their speed and safety. The exhaust is simply made up of a more free flowing muffler and intake to move air through the engine much quicker. This altered exhaust results in more noise output, but it can significantly raise the torque of an ATV. ATVs for hunting and camping are very similar overall. They have wide tires for good off-road traction. Hunters will sometime use a stricter muffler, so that the ATV is not so loud. Both types of ATVs will have extra storage compartments and rails on the front and back to tie down their gear. A large capacity fuel tank is always a good option for extended trips. Extra gas cans are also a common on such ATVs. One of the best options to ensure that you do not get stuck in the wilderness is a front mounted winch. This is primarily for dragging the ATV out of deep mud or sand in case it gets stuck. The winch cable can be fastened around a nearby tree, and it will pull the vehicle toward the tree.



Online Different types of atv accessories

So you have a baby what s its name

Naming a baby is easy. All you have to do is think of a name that would suit him or her and viola, the child will carry it all throughout its life. Some pressure. Relax though, naming a baby should not be difficult. Just make sure that whatever name you come up with will suit the baby up until the baby becomes a full-fledged adult.

The following are helpful tips to make baby naming a fun, enjoyable work. Know what you want and do not want Early on, it is best that you decide what kinds and types of name do you want to call your baby. Do you imagine yourself shouting “Ralph!,” “Amanda,” “Edward, or “Raul?” What you call your baby now is what he or she will be called for life. So decide where and how you want to go about choosing names. Do you prefer a more traditional route or would you want to choose from a list of unusual baby names? Ask family and friends To probably give you an idea on the names you might want to call your child, ask around or interview relatives and get to know your family tree as well as your partner’s. If there are those people whose lives have touched you or those who have played a significant if not meaningful part in your lives, you may consider their names. Make sure though that both you and your partner agree to such a condition and that it is a name both of you will like. Make a list and check it twice Another option you could do is making a list of your personal favorite artists, actors, actress, places, characters from novels, movies or plays or from history or art, mythology, etc. It would be best if such names or places have a significant meaning to you and your partner. If you and your partner considered the capital of France as the place where you definitely fell in love, proposed, (or where the baby was made), name the child Paris (at your own risk of course). Know your lineage In struggling to come up with a beautiful baby name, take this opportunity to also know your family’s heritage as well as your partner’s. Would you want to have a specific ethnic sounding name for your baby? It may also be a chance for you to acknowledge or recognize your own or your partner’s nationality. Buy a baby name book This cuts out the effort, sweat, toil and tears of having to come up with a unique name or in looking for one. Through a baby name book, all you have to do is open its pages, close your eyes and let your finger do all the walking. Wherever your eyes or your finger rests on may be the name that you might be looking for all yourlife. Be careful though and always feel free to change your mind just in case your finger rests on a Bartholomew or a Willamina. The best way to go about this process is by highlighting the names you or your partner prefers. Then start from there. Look at the big picture Now that you may have a probable list of names, try to check how they stack up against the last name of the baby. First and last names that rhyme really do not sound too good. Long names are really not preferred, imagine how your child will write his or her name or introduce him or her self during their first day of school. Also, try to avoid any names, the nickname of which may be unflattering. All in all, naming a baby is supposed to be a fun thing to do. Enjoy it, until the child grows up and become old enough to legally change it on its own. All Rights Reserverd - Reprint of this article is only authorized when links remain intact.



Online So you have a baby what s its name

Ed hardy

Don Ed Hardy, fondly known as the "The Godfather of Modern Tattoo", has undoubtedly revolutionized the way the world sees Tattoo Art. Over a decade ago, Tattoo Art seemed fit only for the skin of bikers and tough guys, but that is certainly no longer the case. Don Ed Hardy started out his career using traditional methods of painting before he became a Tattoo artist, and with the initiative of the impressive Frenchman Christian Audigier, Don Ed Hardy's art is much sought after. Don Ed Hardy was born in Iowa in 1945, but he and his family moved to Costa Mesa, California less than a year after he was born. He is known to be the first American tattoo artist to incorporate Japanese aesthetics and techniques to his designs. His love for tattooing was evident, even as a little boy. He would copy and design his own fake tattoos. It was only during his high school years that his interest in tattoo art took a backseat to his love for Kustom Kulture. After high school he received his degree in print making from the San Francisco Art Institute and worked for several tattoo shops later accepting an invitation to study the art of Japanese Tattooing, a move that has undoubtedly affected his art. Upon his return to America he worked for another tattoo studio before opening his own - Realistic. Ed Hardy and his wife are responsible for several tattoo publications notable for their quality.

He has been concentrating on non tattoo based art forms and opened Tattoo City, which is a multi-artist tattoo studio. With the help of Christian Audigier, Ed Hardy has become a household name that is no longer singly denoted to tattoos. Christian Audigier, brilliant in his own right, is accredited as the man who brought tattoo art into the world of fashion. What Christian did for Ed Hardy's art is comparable to what Tamara Mellon did for Jimmy Choo. You cannot go anywhere nowadays without running into a tattoo art embellished article ranging from Trucker Caps to watches and the Ed Hardy Brand is foremost in this field. Ed HardyTrucker Caps and shirts are the most notable in the clothing line with fans ranging from Ashton to Madonna.



Online Ed hardy

Ultrasonic cleaning high tech cleaning services

Copyright 2006 The Janitorial Store Are you looking for innovative ways to increase your services and your profit margins? Ultrasonic cleaning services can be a way for your cleaning business to add another income stream that can be highly lucrative. How does ultrasonic cleaning work? The item being cleaned is immersed in an ultrasonic tank filled with water and a small amount of cleaning agent, and then agitated with high frequency sound for a brief time. The item is then rinsed in another tank filled with water and a small amount of rinse-agent, and then dried. The underlying process is the creation of microscopic bubbles in the liquid. Agitation causes these bubbles to collapse with great force. This force produces shock waves up to 20,000 pounds per square inch. These waves then loosen and displace soil from the item being cleaned - this is called cavitation. Some of the advantages of ultrasonic cleaning include: -- Use of state of the art technology. -- Surfaces and cavities are cleaned without scratching, brushing or scraping. -- Oddly shaped and complex objects with tiny crevices and holes can be completely cleaned. -- It takes very short time for cleaning, normally just a few seconds to clean objects such as mini-blinds. -- The process is simple and uses fewer chemicals than in conventional cleaning. -- Cleaning is automated making it more efficient than the traditional tedious form of manual cleaning. The types of items that can be cleaned with ultrasonic technology are almost limitless: - Window blinds - Fire restoration, mold restoration and disaster recovery contents - Electronics - Plastic and silk plants - Patio furniture - Light Diffusers Cleaning electronic equipment has always been time-consuming and cumbersome. When using ultrasonics to clean electronics, the process becomes efficient and can be very profitable for your cleaning business. However, there is a lot of confusion about how the process affects electronic equipment. Many people believe that electronic equipment cannot be placed in water. While it's true that you should never place electronic devices into water that are still plugged in, use of the proper solution to clean and proper drying techniques allows items to be cleaned and restored using ultrasonics. With the proper equipment and training, there is no damage to electronics being submerged in water. Many people also believe that ultrasonics will loosen solder joints and the item will not work properly. This thought is based on the theory that ultrasonics shakes off debris with vibrations. The cleaning process is called cavitation, which forms and collapses tiny bubbles - a safe and effective cleaning method. Some people don't believe the ultrasonic cleaning process works. This is usually due to a lack of understanding of how the process works. Plus many people have never experienced the results firsthand. If you invest in the proper equipment and perform the process correctly, ultrasonic cleaning is not only effective, but actually reduces cleaning time and save tons on labor costs. Ultrasonics is not just for cleaning small items such as jewelry. Ultrasonics can clean and restore items such as window blinds, light diffusers, small electric appliances, silk plants, and much more. Just think of all the homes and office buildings with mini-blinds and silk plants. The possibilities are endless for your cleaning business. Adding ultrasonic cleaning services to your cleaning business should not be entered into lightly, as there is a large investment in equipment and training. However with proper training and an effective marketing plan, ultrasonic cleaning can not only be another service you provide to your clients, but a great added income stream for your cleaning business.



Online Ultrasonic cleaning high tech cleaning services

Party your boss will love

Just because a party supposed to be fun it doesn’t mean you don’t have to take planning it seriously. Yes, the more carefully you plan your next party the more likely it becomes the party your friends will talk about for a long time to come. What makes a good party? The right answer is “It depends.” Yes, it depends on what the party is supposed to accomplish.

You must know the purpose for your party. Based on the reason of your party you can start planning. If you want to impress your boss, you will throw a very different party than if you wanted to impress your girlfriend. Some parties have a more functional purpose than others. If you are planning a party to invite your boss and coworkers to help you get that promotion you have always wanted, you have to make sure they are having a good time.

You have to find out what it is they consider a good time. You should research the kind of food they like and the kind of drinks they enjoy the most. If they enjoy your party you will most likely grow in their eyes. A party with your boss is normally not what people would consider a “wild” event.

Normally, it is considered a business function than a totally relaxing event. Think of it as an extension of your own promotional system. During a party like this you are working. Your preparation should be similar to the preparation of a good business presentation.

Often, your boss wants to know that you know how to have fun without being out of control. If you are inviting friends or family to the party make sure they will not embarrass you, because the results could be devastating. You don’t want to be embarrassed by people losing control because they think that’s what a party is all about.



Online Party your boss will love

Use your credit card to have a merry christmas

We are getting to this time of year again, when your credit card is used a lot more than at any other time of the year. So much so that if it is not the credit card that is screaming for mercy then you will be when that first credit card statement after the festivities, falls on the doormat. So what are the things that we can do to make this time of year be such a pleasure, that we are not dreading the Christmas period next year? Make repayments cover the interest… Here is a few suggestions that you should follow to make your Christmas remain white and not for it to cause you to go in to the red. Firstly, learn to know when you are over spending and you can see that you are accumulating debt that you cannot sustain. The first signs of this will be when the repayments that you making to your monthly statements, are only covering the cost of the interest charges. Check this out, for example if you are paying Ј200 towards your bill each month, look to see how much of this cash is actually going towards clearing the balance and how much is going on interest payments. Stay away from minimum payments… Secondly, do not stick to the minimum payments set by the credit card company, this will only see you slide further into debt at a much quicker rate.

The credit card issuers have in recent years lowered the minimum payment; it now stands at 2% or a minimum of Ј5 of the total bill, this has dropped from the 5% that used to be the norm with repayments. The credit card issuers have looked to maximise profits by giving their customers they lower minimum repayments, meaning that they could spend more. This though is a false economy to the customer, as it only means that the less they pay back the more that the credit card companies make in interest charges. This will lead to you struggling to actually reduce your debt, with the minimum payment being all that you can afford, if this is the case, STOP using the credit card immediately and look for ways in which you can reduce the debt as quickly and pain free as possible. Use a 0% balance transfer card… One way to do that is with a 0% Balance Transfer. Most credit cards are offering this facility at the moment and would be a good option to give you a little breathing space as with regards to the interest your bill will accumulate each month. You will get credit card companies giving you 0% on a Balance Transfer from anything from 6 months to a year, which will stop you racking up any more interest on an already heavy burden.

However, there is one thing that you should refrain from doing and that is using the credit card to make any more purchases, by doing so everything that you are striving to do to get your finances back to somewhere near normal, will only see you fall through a debt trapdoor that will slam shut, with no way out. If you succeed in reducing your debt, learn from what went before and curb the level of spending on credit cards and work within a limit that you feel you are comfortable and manageable and in doing so you will be able to use your credit card to your advantage and not filling the already bulging coffers of the credit card companies. Follow these simple steps and have a wonderful Christmas 1) Regulate your spending 2) Ensure your repayments at least cover the interest accrued 3) Do not stick to minimum payments! (Very important) 4) Look at some of the 0% balance transfer deals



Online Use your credit card to have a merry christmas

Life s true roi

al debt load and ROI, whether the industry as a whole is in a slump, whether there are too many partner or legal problems, whether future demand will materialize and so on and so forth. While these questions are certainly relevant, the most important question that a small or medium-sized business owner should ask him/herself is: "How else can I make a living and would I like it?" Yes, the advantages of being a corporate employee are great. Easy work, fewer hours, no stress, more security and all for more money than your struggling business (for now) can provide. But do you really want to go back to that? My grandfather was an architect who built boring glass boxes in overcrowded and polluted cities for obnoxious, cheap and arrogant millionaire and billionaire bosses and clients. My grandfather was also a poet who loved to write short, life-affirming sayings that raised the soul and redeemed the human spirit. He was on his way to making large amounts of money building these glass boxes, until one day he could no longer handle it another minute, so he stood up in a meeting while the billionaires were bickering, declared that he was quitting, packed up his office and drove home to my grandmother and their two young children. The conversation at home went something like this: "What the heck were you thinking?" "I cant go back Alice, I just cant. That world is slowly killing my soul by the minute. I want to breathe, I want to live, I want to smile and I want to laugh." "How are we going to afford the mortgage and the BMWs and the vacation home and the kids college funds and ..." "We will figure it out tomorrow." They figured it out. Grandpa turned his love for poetry into cute little life affirming sayings that he wrote in greeting cards and on the headings of agendas and in small self - published books that barely sold enough copies to pay for the paper they were printed on. In his best year, my grandfather made just enough money to barely creep over the poverty line. Many years afterwards, seeing me stressed out over some inane thing or the other at the big corporation I worked for (in one of those big glass boxes), my grandfather said: "Are they killing your soul Charlie? Are they taking away what makes your heart fly and your mind shine and your eyes sing?" (I told you Grandpa was a poet). "I think they are, Grandpa." I said, almost in tears. "You will only be here for a short time, Charlie. Dont let anyone take away your joy for even one minute of your precious life." (Once again, I told you Grandpa was a poet) This brings me back to the topic of this article. Yes, Business owner, you should do all the analysis that you can to decide if you should keep your business alive. There are lots of services, ranging in price from free to millions of dollars, that will help you decide if there is a future for your business. But in your analysis, when adding up the pluses and minuses and comparing financial and personal gains and losses, do one thing. Add the issue of "How else can I make a living and would I like it?" to the equation and give that topic an important score in your analysis. Grandpa never regretted having less money for a much more fulfilling life. Nor did grandma once she realized how much happier the whole family was once they were living a less stressful and more simplified life in a healthy and scenic part of the country. One year after his decision, and in celebration, my grandparents burned their "___ Hours til the weekend" and "___ Days til retirement" gag calendars they had received when Grandpa had started his corporate career. So dear reader, before you throw in the towel, I, the business consultant, and my grandfather, the lover of life, professionally advise you to make sure the towel remaining is better than the one you want to throw away.



Online Life s true roi

Safe alternative treatment for high blood pressure part 1

Blood pressure is the force of your blood pushing against the walls of the arteries each time your heart beats. Your blood pressure is highest each time the heart beats, pumping blood into the arteries. This is called systolic pressure, and is the high number in your reading. The diastolic pressure measures the pressure in between beats, when your heart is at rest. Your blood pressure is lowest while sleeping and although it varies some during the day, it remains close to the same. Normal blood pressure is 120/80. If your systolic pressure rises to 140 or above, or if your diastolic pressure rises to 90 or above, this is considered high blood pressure. According to the American Heart Association, an estimated one in three U. S. adults have high blood pressure, also known as hypertension, and an alarming one-third of those don't even know they have it. It's no wonder this condition has long been called "the silent killer". High blood pressure is a major risk factor for stroke, heart attack, heart failure and kidney failure. And when it exists with obesity, smoking, high blood cholesterol or diabetes, the risk of heart attack or stroke increases several times. If you don't have high blood pressure by age 55, your chance of developing it at some point in your life is 90 percent, according to the National Heart, Lung, and Blood Institute.

Although high blood pressure can occur in both children and adults, it is most common in those over age 35, and is most prevalent in African Americans, middle-aged and elderly people, obese people, heavy drinkers and women taking birth control pills. Although many people get high blood pressure as they get older, it is not part of the aging process! Proper diet, exercise and lifestyle changes can help in prevention and lowering of blood pressure. Commonly Prescribed Medication for High Blood Pressure In 90–95 percent of cases, research scientists don't know what causes high blood pressure, but fortunately they know enough to have developed both drug and non-drug products to treat it effectively. A wide variety of medications are available to medical professionals for treating high blood pressure. Although other classes of medications are sometimes prescribed, the most commonly prescribed can be broken down into five different classes of medications that work in different ways to lower pressure. •Diuretics (water pills) work in the kidney to get rid of excess water and sodium. •Beta-Blockers reduce nerve impulses to the heart and blood vessels to cause the heart to beat more slowly and with less force. •Angiotensin Converting Enzyme (ACE) Inhibitors prevent the formation of a hormone called angiotensin II, which would otherwise cause vessels to narrow. •Angiotensin Receptor Blockers (ARB) block the action of angiotensin II. •Calcium Channel Blockers prevent calcium from entering the muscle cells of the heart and blood vessels, causing blood vessels to relax. As of June, 2005, there didn't appear to be much global agreement among medical experts worldwide in terms of recommended first-line therapy for treating high blood pressure. It is important to note that in June, 2006, The National Institute for Health and Clinical Excellence and the British Hypertension Society have come to an agreement within the UK, and have issued new guidelines, including important changes to help guide primary care physicians in determining first-line therapy. A major change is that Beta-Blockers, which have been shown to be less effective in preventing strokes and more likely to cause diabetes, are no longer recommended as routine treatment for the majority of people with high blood pressure. Instead, ACE Inhibitors (or Angiotensin Receptor Blockers if there are side effects) are now recommended in the UK for most people, with some exceptions, before trying other classes of medication for hypertension. As with any medication, there may be side effects from taking ACE Inhibitors, and some should not use them at all, including black people of any age. According to the Mayo Clinic, a study published by the New England Journal of Medicine, also in June, 2006, indicated an increased risk of birth defects in children whose mothers took ACE inhibitors during the first trimester, adding to the known risks during the second and third trimesters. While most people can tolerate ACE Inhibitors, some may experience side effects such as cough, elevated blood potassium levels, low blood pressure, dizziness, headache, drowsiness, weakness, abnormal taste (metallic or salty taste), and rash. Rare, but more serious side effects include kidney failure, allergic reactions, a decrease in white blood cells, and swelling of tissues (angioedema). Very similar to ACE Inhibitors are ARB medications, and depending on the individual's particular health issues, a doctor may switch between the two, and may sometimes prescribe both. The most common side effects with ARBs are cough, elevated potassium levels, low blood pressure, dizziness, headache, drowsiness, diarrhea, abnormal taste sensation (metallic or salty taste), and rash. Compared to ACE inhibitors, cough occurs less often with ARBs. The most serious, but rare, side effects are kidney failure, liver failure, allergic reactions, a decrease in white blood cells, and swelling of tissues (angioedema). On January 19, 2007, Rush University Medical Center reported findings that ACE Inhibitors and ARBs prevent people from getting diabetes, and that diuretics and beta-blockers increase the chance that a person becomes diabetic. The authors pointed out that more studies are required to determine whether new-onset diabetes leads to as many heart attacks, strokes or death, as long-standing diabetes. However, their data suggests that the differences between antihypertensive drugs regarding the risk for new-onset diabetes are real and are significant. Melaleuca offers a natural high blood pressure remedy called ProStolic which interacts with a natural body enzyme much like the ACE Inhibitors and ARB medications to relax blood vessels and allow healthy blood flow. As a comparison, it might be helpful to understand how the ACE and ARB class of drugs react, as well as how the non-drug hypertension remedy ProStolic™ reacts with the body. In Part 2 of our Blood Pressure Research Report we will discuss the ACE Inhibitors and Angiotension Receptor Blockers, Natural Therapy for Maintaining Healthy Blood Pressure and benefits of Bioactive Casein Hydrolysate Tripeptides VPP and IPP.



Online Safe alternative treatment for high blood pressure part 1

College credit cards smoothing out your first credit wrinkles

College student credit cards have replaced student loans as a freshman’s first experience with student credit. At the sophomore level, out of a sample of 100 students, over 90 are found to hold at least one college credit card. The question is – why do many students find themselves in a vicious cycle of debt with their college credit cards? Why are they astonished with the huge bills they receive each month? Most importantly – must it necessarily always be this way for a college credit card user or is there a simpler way? There are plenty of statistical indicators to suggest that students run up credit bills regularly yet they do not pay down their card balances nearly enough. Approximately 21% of college credit card users have balances between $3,000 and $7,000. The number of credit cards in an average student’s possession keeps increasing – a sign that they might be acquiring new cards to pay off balances on old ones. But this only leads inevitably to their overall credit balance increasing even faster, adding more debt to a seemingly never-ending downward spiral of debt. Five Steps to Avoid the College Credit Card Debt Trap The core reason of this pathetic plight is the absence of a disciplined and planned system of spending. If you, as a student, wish to optimize the use of your college student credit cards, use the following guidelines to plan your spending: - Pay your bills on time. Late fees are the most unnecessary source of additional credit expense. Always ensure that at a minimum, you always meet the minimum payment on your bill. Ideally, you should try to pay more than the minimum amount to reduce overall charges. - Use the 20/10 rule. Be careful that you never, ever borrow more than 20% of your annual net income and never spend more than 10% of your monthly income on your monthly payments. In other words, balance your credit budget to avoid irregularities in monthly payments. - Plan your credit expenditures. With college credit cards at your disposal, it is easy to give in to the temptation of impulse purchases. This can lead to ever increasing credit card balances over a long period. It is ALWAYS better to plan purchases using your college credit card so you can ensure you only make purchases that you know you can easily pay off. - Avoid cash advances. The finance charges for these are generally much higher than standard credit purchases and can be very expensie. - Avoid approaching your credit limit. There may be extenuating circumstances that will require you to incur unplanned expenses, but if you stay well within your credit limit by avoiding unnecessary charges, you can enjoy the satisfaction of knowing that you can comfortably use your card when you really need it. The Boon or Bane of College Credit Cards If the guidelines outlined above are kept in mind, you will find that you can live comfortably with college student credit cards. These tips are especially useful for those who envision needing an extra job in order to pay your off credit card bills. Ideally, a balanced credit budget and a zero card balance is the best way to handle your credit card expenses. So, while college credit cards can be extremely helpful to certain individuals, they can also prove to be a huge detriment to those who do not budget and plan to use them accordingly.



Online College credit cards smoothing out your first credit wrinkles

Diesel engines and well known gas

Diesel Engines And Well Known Gas In passenger cars, the diesel engine has never really caught on. During the middle to late 70s, diesel engines in passenger cars did notice a surge in sales due to the OPEC oil embargo, although that is the only real significant penetration that diesel engines have made in the market. Although diesel engines are more efficient, there are eight historical problems that may have held them back. 1. Due to the higher compression ratios, diesel engines tend be heavier than the equivalent gasoline engine. 2. Diesel vehicles and diesel engines tend to be more expensive than gas. 3. Because of their weight and compression ratio, diesel engines tend to have lower RPM ranges than gas engines. This gives diesel engines more torque rather than higher horsepower, and this tends to make diesel vehicles slower in terms of acceleration. 4. Diesel engines have to be fuel injected, and in the past fuel injection was very expensive and less reliable. 5. Diesel engines tend to produce more smoke and smell very funny when compared to gasoline engines. 6. They are harder to start in cold weather and if they contain glow plugs, the diesel engines may require you to wait before you start the engine so that the glow plugs can heat up. 7. Diesel engines are much noisier than gas engines and tend to vibrate quite a bit. 8. Diesel fuel is less available than gas. Although one or two of these disadvantages would be acceptable, a group of them is a big turn away for many people. Even though the list above are reasons in the past as to why diesel never really took off, you can expect these reasons to get corrected and improved in the future, meaning that you will see more and more diesel vehicles on the road. (word count 301)



Online Diesel engines and well known gas

How to file for divorce

Divorce - How to rebuild your life - how to file for divorce Divorce should be considered as a last resort to fix a relationship problem. This type of procedure is very serious and it has to be a decision that is well thought out before attempting to start the process. You need to make sure that you are ready for this type of drastic measure in order to help your relationship get better. When you are filing for divorce, you will want to notify the court that you are going to proceed with the dissolution of your marriage. This is something that means you are not able to work the marriage out any more and you want to put it to an end. You will file a summons and petition the court in your county. Ultimately it is then in the courts hands and you will have to wait to hear when the actual hearing will be to determine the next step. Before you decide to file for divorce, you will want to choose the proper state and county to file your papers. In order to start your divorce proceedings, you will want to make sure that you are going to the right place first. You must make sure that the divorce is occurring in the county where you or your spouse lives. You must make sure that you are ready for the long haul in a divorce. You will find that the proceedings will go on until a conclusion is reached about all of the issues that are brought up. This can take a short time or a longer period of time depending on the issues and what each party is ready to do about it. There are going to be many different alternatives in a divorce proceeding. You will want to make sure that you are open minded and going in to the process with good intentions at the same time. You may have to go to court in order to figure out what is best for you and you family. You may have to talk to a judge and let them decide for you if you are not able to come to a resolution together. The judge will take into consideration everything that is said so that he can make the best decision for everyone that is involved in the proceedings. You may want to make sure that you are ready for this type of outcome to happen. You will probably find it to be necessary to hire and attorney to take care of the proceedings in your divorce. You will want to make sure that you are represented well so that you are not putting yourself at risk for coming up short in the end. You want have your message sent to the courts loud and clear so that you are able to make sure that your side of the story is heard. There are many factors that have to be decided in a divorce hearing and you want to do your best to have it ruled in your favor. The last thing that you should want to do is make the divorce a messy one. You should not want to make it hard for the other person just for spite. This is not a good idea because all it will do is add more stress on you and may even hurt your case. You want to make sure that you are doing what you can to make this procedure go as quickly and fairly as you can. That would be best for everyone involved including you and the family around you.



Online How to file for divorce

Cutting edge shopping e catalogs and the consumer experience

Web-based, electronic catalogs (E-Catalogs) focus on imparting an entirely unique shopping experience for consumers. The E-Catalog is a cutting-edge catalog simulation. The shopping experience is online, but creates the look and feel of shopping out of a print catalog. Consumers can “flip” through virtual catalog pages with the click of a mouse, browsing just like they would through a printed book. The E-Catalog offers consumers many features to enhance their shopping experience: potential customers can zoom in on products for a closer look, make notes directly on the page using a sticky note feature, or print out individual pages for later use. If consumers like what they see, they can click on an image or on a product description and add the item to their virtual shopping cart for purchase. In many ways the E-Catalog is a superior shopping tool for the consumer. Almost anyone can access an E-Catalog at any time via the Internet. The E-Catalog can never be lost or misplaced, nor do consumers need to worry about not having the latest edition. In addition, it introduces an eco-friendly alternative to traditional catalog printing by allowing consumers to print only the pages they need, consequently cutting down on paper waste. E-Catalogs can also provide businesses with an opportunity to save money on shipping; orders can be combined with other businesses to receive a quantity discount and reduce shipping charges.

The E-Catalog allows business associates a chance to shop for products at the same time while being located miles apart. Many consumers today have had the chance to experience the added value in the E-Catalog. It expands their shopping possibilities, keeps them connected with updated product information, and increases their accessibility. It’s the next level in online shopping.



Online Cutting edge shopping e catalogs and the consumer experience

How to write a better fundraising letter

Looking for tips on writing a better fundraising letter? Use these quick tips to craft your next donation request letter. Feel free to modify the sample letter below to fit your specific needs. -Good news - Always start the letter with a series of good news -Use bullets to build momentum and make entire letter entertaining and informative - Use foreshadowing to tease your reader and keep him or her reading. - Create a widow at the end of the first page (a thought that's finished on page two) - Make your reader turn the page -Describe what you want to do next - Tell what you're going to do. - Why you're going to do it. - How you're going to do it. - What results you expect. List suggested contribution amounts - Use even numbersin graduated amounts - Offer a monthly auto charge credit card option ($10 a month is $120 a year) - Include a blank line for write-in amounts -Remind readers that their contribution is your budget - Your successes have been possible because of their past contributions - Thank them! Use P. S.'s for skimmers - May titillate skimmers and get them to read the entire letter. - To create a sense of urgency. Sample Donation Request Letter Date Dear Name of sponsor, On (date of event), I will join hundreds of others to help end the devastating effects of multiple sclerosis by (riding/walking/skating) in the MS (event name). By making a pledge on my behalf, you are supporting research and local services to those affected with this unpredictable disease. Give details - Tell your story: I have a personal stake in this particular event. My (dad, aunt, sister) has MS. Not only do I want to help him/her, but also the many others diagnosed with MS. MS is a disease that affects the central nervous system. Some symptoms of MS may include loss of balance, impaired vision and hearing, fatigue, muscle weakness and, in some, paralysis. Even simple everyday living skills become increasingly difficult. Everyone is affected differently by these symptoms. My goal is to raise at least (specify dollar amount) this year, which represents $1 for every person with MS registered with our local MS Chapter. Please help me reach that goal with your pledge. Your donation is tax deductible. If you wish, you may mail all or part of your payment amount today in the self-addressed stamped envelope enclosed with this letter. Otherwise, I will collect your pledge after the event. Please make your check payable to the National MS Society. My deadline to get my pledges in is (deadline date). Following the event, I will send out a brief recap of the MS (event name) to all my sponsors. Thank you in advance for your support. Please call me if you have any questions or comments about the MS (event name). I can be reached at (phone number). Sincerely, Your name



Online How to write a better fundraising letter

Casino games how professional black jack started

There are a lot of myths about gamblers who as if were playing professionally before publication of the basic strategy for one-pack game by Americans Cantey, McDermott, Maisel and Baldwin in1958. But all that was before them still remains a legend. The four statisticians performed their calculations just with the help of hand calculator. However it was their publication in the American Journal of the American Statistical Association causing much excitement among both gamblers and statisticians, and blackjack was considered a game a common player might probably win. Encouraged by popularity of the article in the magazine, copied and learnt by heart by many players, the originators published a book "Winning Blackjack". Nowadays this book is a scarce edition and it enriches the home library of many professional gamblers.

In 1962 Edward Thorp this time using computer technologies calculate and published in his book Beat The Dealer not only the basic strategy of playing but also card counting. Thorp states that blackjack differs from roulette, craps and other games of luck, the result of every hand in blackjack depends on the previous dealing - it really matters which cards drew back form the game and which remained in the pack. Most of the stuff calculated by Thorp is still precise, but all the serious modern gamblers should read this book only for historical interest. Thorp's system called "10 count system" was meant for one pack game which enjoyed great success in all casinos of Nevada. It was extremely difficult for learning, so most of the gamblers gave it up. However, Nevada's casinos restricted some rules, for example, doubling down only on 11 points. The media told the whole world about it, and Thorp with his book became known all over the world and the casinos that showed themselves to disadvantage had to return former rules. Realizing that under such circumstances crowds card counters would be trying to beat the house, operators of gambling houses introduced two procedures - shuffling after withdrawal of the trim card and multi-packed games. Thorp's systems was very difficult to use in practice. But for the computer conference in Las Vegas in 1963, the game would remain on the same level.

On a whim, the conference organizers decided to include a Panel Session on "Using Computers in Games of Chance and Skill." It was just a whim of the organizers to include a section "Using computers in games of chance and skill". Thorp was designated as Chairman of the Panel and experts on the various casino games, including blackjack, roulette and baccarat. The room filled up and overflowed with computer gamblers. Hundreds of conference attendees were pushing and shoving to get into the room. The crowd, of course, had been drawn by Thorp. They were expecting revelations on the game and anticipated using his imparted wisdom immediately following the session to make a killing at the blackjack tables. After one or two more presentations that mainly corrected and modified Thorp's system, Harvey Dubner was introduced. He described the approach.

Dubner kept a count of remaining high cards (10,J, Q,K, A) and low cards (2,3,4,5,6) as the cards were played and divided its difference by total cards left to play. He called the result the High-Low Ratio. His presentation was enthusiastically received by the standing room only crowd and he was given a round of applause at its conclusion. Here at last, many were saying, is a system that is practical, that can actually be used in the real world of casino play. Thorp incorporated "high-low" system into the second edition of Beat the Dealer published in 1966 and since then over 100 professional books on blackjack, team games, hidden computers, shuffle tracking and sleepless nights for casino securities all over the world.



Online Casino games how professional black jack started

Bottled water direct from the tap

Copyright 2006 Linda Symonds Almost everywhere you go today, you see people carrying a bottle of water. Over the last decade the bottled water industry has enjoyed explosive growth and many of us, it seems, have fallen in love with the taste, purity and convenience of bottled water. There is no disputing the popularity of bottled water; but is it really better than good old tap water? Bottled water is simply water from some source that has been placed in bottles for sale. The source of the water could be the natural spring pictured on the label, or it could be filtered municipal tap water. The bottled water industry would like us to believe that bottled water is more pure than our own tap water, but a good quality water filter installed in the home will provide water of equal and even better quality than bottled water. A study by Ohio State University found that 39 out of 57 bottled water samples did indeed have "purer" water than unfiltered tap water. However, 15 samples had significantly high bacteria. For water quality, that is at best, no better than what you would get from your tap with a water filter, bottled water is expensive; often costing more per gallon than gasoline. Purchasing one $0.69 cent bottle of water per day would add up to $248 per year. Filtering your own water at home would cost a cent of two per day or about $8 per year - saving $240. In these busy times, the convenience of bottled water has become a major selling point. It's so easy to simply reach into the refrigerator and pull out a bottle of crystal clear water. It has zero calories, zero fat, and we can sip it no matter where we may be for the day - in meetings, at the supermarket or in the classroom. When we're finished with the plastic bottle, we just drop it into the trash or the recycle bin. But what if, instead of throwing that plastic bottle away, we took it home and refilled it from our own tap. We'd have a renewable supply of bottled water for just a few cents per bottle and we'd be diverting that plastic bottle from the waste stream. It's so easy to do and takes only a few extra minutes. The cost savings, along with knowing that you really are drinking good quality bottled water are worth the effort. To start bottling you own water, you'll want to be sure you have installed a good quality water filter. A good quality, reasonably priced water filter, costing about $30, can be installed in just a few minutes directly onto your tap and provide pure, clean drinking water. Washing the bottles is important. Bacteria can build up in the moist are around the cap of the bottle so you'll need to wash the bottles before reusing them. Either pop them into the dishwasher or wash them in the sink with soapy water. Rinse and dry the bottles as much as possible, particularly around the rim. Refill the bottles and store them in the refrigerator. They'll be cold, clean and ready when you want them. If, after a few uses, you find that the bottles begin to look tattered, invest in a few good quality reusable sport bottles. They are attractive, durable and easy to clean.



Online Bottled water direct from the tap

Tips for keeping your carpets clean

Have you wondered why one person’s carpet stays clean with three kids and numerous pets and another’s looks like a battleground of grime, Kool-aid, and odors? It might be because one of these people understands that to keep your carpets clean and fresh, you have to act before the accidents. There are a number of preventative measures for keeping your carpets clean, even if you have four kids, two dogs, and a cat. No Shoes This one rule can make all the difference in the livelihood of your carpet. Too often, we start with good intentions-we will ensure the no shoes rule all the time. But laziness tends to set in, and before you know it, everyone is traipsing on your nice clean carpet with their nice, grimy shoes. It’s simple—enforce the no shoes rule at all times and your carpet will remain permanently cleaner. Avoid Food Another common sense rule, but nevertheless important, is a no-food-on-the-carpet rule. Understandably, this rule is harder to enforce if you have kids, but do your best. Food and liquids, in addition to pets, are your carpet’s worst nightmare. Vacuum Vacuum at least once a week, but preferably more. This keeps dirt and dust from building up, and has the added advantage of keeping dust allergies at bay. Remember to vacuum beneath your furniture as well. Steam Clean Steam cleaning your carpets is great way to ensure their longetivity. Hire professionals or rent a steam cleaner every four to six months, depending on the state of your carpet. Shop around if you’re worried about price, because price ranges can differ dramatically for the same service. Remove Stains Immediately Clean up stains immediately; the longer you let them sit, the longer they have to soak in. Blot at the stain with a mild soap like dish detergent (Dawn and Joy are great), but never scrub. Scrubbing a stain can cause it to spread and wear the fibers of your carpet. Besides mild detergents, vinegar and club soda also work well. Failing these methods or for darker stains like juice, pet accidents or wine, sprinkle salt or baking soda over the stain, let the stain soak in, and vacuum it up. Never use heat to dry a stain; it seals the stain into your carpet. Keeping your carpet clean is the easiest way to ensure its longetivity and beauty. It is relatively simple and just a matter of reminding yourself to be faithful to your carpet. Treat it well, and it should last you many years (and guests!) to come. http:// fastfloors. com/



Online Tips for keeping your carpets clean

Life insurance why does the uk have a 2 3 trillion protection gap

According to Swiss Re, one of the world's largest re-insurance companies, less than half of the UK population has any form of life insurance protection. They then go on to put a figure on the value of this protection gap. Using an average income of Ј20,000 and assuming that the value of protection needed ranges between 5 and 10 times income, they put a value on the protection gap at Ј2.3 trillion. But in all probability, whilst the gap is huge, Ј2.3 trillion is likely to be somewhat over stated. After all there are people who are disqualified from having life cover due to their age - just over 1 in 5 are under 18 years old, the minimum for life cover, and 1 in 6 are effectively uninsurable as they're over 65. Then there's a raft of persons for whom life insurance is just not necessary. These are people aged between 18 and 65 who do not have dependents. Having said that, without doubt, there are still many families in the Swiss Re survey that have been correctly identified as desperately needing life insurance.

So if they need life insurance, why do they hold back? Undeniably there are still many people who have no understanding what life insurance provides and because they don't think about it, they don't care, and nothing ever gets done. After all life insurance isn't a fun buy - there's no enjoyable window-shopping or pleasure in owning it. The chances are that unless financial advisers sit down and talks to these, they'll remain totally uninterested and uninsured. Newspaper reporting given to the insurance industry also tends not to help. The Sunday papers in particular are regularly full of stories about one family or another that has had a claim turned down. These stories make the headlines, as behind them there's invariably a poignant tale of personal tragedy and distress. It all gives the life industry a tarnished image and creates a feeling that they can't be trusted.

In practice, when you read the stories, the reason for the claim being refused often comes down to the fact that the policyholder missed off some relevant information from their application form. Nevertheless, some refusals are clearly wrong and this undoubtedly damaging. Then there are those people who fully appreciate that they need life insurance but just can't be bothered or say they can't afford the premiums. More realistically, for many “can't afford” actually means, “I choose not to afford”. They might be happy to spend Ј100 at the pub each month but are unwilling to cut back a little to pay the premium that protects their family's future. For sure, there is no disputing the fact that some life insurance applicants have found the final quote to be genuinely unaffordable.

Whilst for the majority, cover at standard premiums is affordable, over the last seven years we've seen a huge rise in the number of people who have seen the proposed premium substantially increase once the insurer has looked at their application form. It's a result of the life companies making it harder for people to meet the company's definition of “healthy”. Seven years ago half as many applicants were seeing the price increased as a result of the insurance companies classifying them as an above average health risk. Even a few years ago it was usually obvious who'd have difficulty getting insured at standard rates – people with heart or circulatory problems, former cancer suffers and diabetics for example. How the picture has now changed. Application forms are much more detailed and medical problems that were previously acceptable are now only acceptable with a higher premium.

Take weight for example – these days insurers clamp down when they judge an applicant's weight to be a risk to their longer-term health. And it's not just the obviously obese that attract the insurer's notice. Companies are now using the Body Mass Index to identify weight problems. This is your weight divided by the square of your height. Most life companies now want a BMI of no more than 29, whereas previously up to 40 was acceptable.

This means that a woman weighing 83 kilos and 1.66 meter tall will now face a higher premium. The application process can also be put some people off. Whilst about 30% of people will receive an immediate decision, for others the process can become one delay after another. As if a 14-page application were not enough, some people are being asked to complete more forms in addition to medical examinations. The whole process can take up to 9 weeks, sometimes even more, before the applicant finds out precisely how much their premium will be. If that premium works out more that they can afford, the applicant is often too tired of the whole process to start applying again to a new insurance company. The result is yet another family without life insurance. Despite these problems, the life companies say that thanks to more sophisticated underwriting procedures, prices are lower today that they were a few years ago. The arrival of the Internet has also had a profound affect on prices. Around 10% of life insurance is bought online and discounting has become the norm.

This too has helped more families to become insured. However, in the author's view it will take more than a decade to get people covered by life insurance above the 50% level.



Online Life insurance why does the uk have a 2 3 trillion protection gap

Investments

Prudence and a bit of luck can help investments grow quickly. There are a variety of investment opportunities available, and every day new ones keep popping up. There are certain basic principles which one can adhere to while making an investment decision. It doesn't matter whether the investment is big or small; one must get complete information about the area where one wants to invest. Investments serve different purposes for different persons in different circumstances. For some, it provides security for the future, while for others it is a financial instrument to earn good returns in short term. Generally, people invest in mutual funds, stocks, government and other securities, real estate and several other assets. A good investment portfolio has a mix of highly liquid and less liquid assets.

It is also a mix of short-term and long-term investments. There are companies and professionals which can advise you in terms of making investment decisions. There are also companies which are ready to make investments on your behalf. Some of them ensure a minimum rate of returns, while others do not. Before making an investment in any such company, be sure about its credentials. If one doesn't want to hire a company one can make investments individually also.

But if you are a new investor avoid putting all your eggs in one basket. Make diversified investments instead. After some time, when you start getting the returns, you would be able to decide about the kind of investment portfolio you will be comfortable with. If you are looking for long-term investments, it is always better to buy in a bear market, and sell in a bull market. Short-term securities or equity investments in the secondary market are more suited for short-term investments.



Online Investments

Ankle bracelets accessories to pamper and adorn your feet

Feet are among the most the most beautiful parts of a woman's body. This fact is often overshadowed by modern media, which highlights women's faces and torsos, and little else. Yet throughout history, the delicate shape of women's feet have been paid great respect and attention, as proven by classical literary works by D. H. Lawrence and Lord Byron, to name only a few. In "Double Indemnity," the hero Walter is so entranced by the ankle bracelet worn by a woman named Phyllis, that he mentions it several times in the course of the movie. In ancient China, it was such a big deal that women had small, delicate "moon-shaped" feet (that is, with deep insteps) that an entire custom dedicated to foot-binding was developed. This was extremely painful for the women, but the standards for lovely feet back then helped greatly in setting standards of overall attractiveness; women with small feet were considered noble and aristocratic. Nowadays we have done away with painful practices, knowing that women's feet are beautiful naturally. The sensuous instep and curve of the ankles call for accentuating jewelry. This is part of why ankle bracelets are increasingly in demand. Ankle bracelets -- "anklets," for short -- are lightweight and fancy decorations for the feet.

Many come with tiny charms, which usually include variants of a favorite symbol, like cats, hearts, stars, and bells -- the variety is endless. Bracelets worn on the feet are in fact very similar in make to bracelets worn on the wrists, which is why for many, bracelets and anklets are interchangeable. For the most part, ankle bracelets are casual accessories: they are best worn on an ordinary day out having fun. Multicolored anklets woven from fibers or threads look great with casual sandals or flip-flops. However, ankle bracelets made of fine-spun gold and silver make a beautiful tandem with fashion shoes, and look great for formal events.



Online Ankle bracelets accessories to pamper and adorn your feet