Eating The Wrong Fruit Can Kill You

When you eat a banana does your mouth become itchy? Does you stomach fill with gas when you eat an apple? Does your throat swell when you eat raw peaches? When you eat raw or canned pineapple does your throat burn or do you break out in hives?

Experiencing any of these symptoms may indicate that you suffer from Oral Allergy Syndrome (OAS) or Pollen Food Syndrome.

Oral Allergy Syndrome is most commonly associated with allergy to pollens such as ragweed, birch, plantain, and other grasses. The immune system mistakes the food proteins for the pollen proteins and causes an allergic reaction.

Other allergic reactions caused may be itching of the eyes or stuffiness of the nose. Or you may experience redness of the lips, tongue, gums, and palate. The most severe reactions can trigger asthma or anaphylaxis shock.

Fruits and nuts are the primary culprits for OAS but other foods can cause these symptoms as well. This disease can be especially discomforting for strict vegetarians who want to eat raw fruits and vegetables.

Generally OAS is associated with eating raw foods. So if the food is cooked, this will usually prevent an OAS reaction from occurring. This is because the proteins in these foods are temperature sensitive. Heating them usually makes them far less allergenic because they change the basic nature of the protein to one that the immune system does not recognize.

In other cases, however, the symptoms will simply migrate to the intestinal area where you'll experience gas, bloating, nausea, diarrhea, or other gastrointestinal distress.

OAS is usually not a severe condition and in most cases the discomfort will only last for a few minutes. For others, however, the reactions can be severe and even be life threatening.

A wide range of raw fruit and vegetables can cause a reaction. Some of the more common foods known to cause OAS are bananas, strawberries, honeydew melons, watermelons, pineapples, cantaloupes, cucumber, soy, pears, apricots, and zucchini.

A typical treatment for Oral Allergy Syndrome are allergy shots which are usually given as a treatment for allergies such as cats, dogs, and pollen. These shots work by gradually building up a person's resistance to allergens until he is no longer affected by them.

The people most at risk for OAS are those with asthma or hay fever allergies. Those susceptible to OAS usually experience symptoms right away. If you experience symptoms such as your throat passages narrowing or vomiting, you should contact your physician immediately.

Al Jeffries is an author and researcher for http://www.a1-allergies.com.Auria Blog65483
Ashlie Blog94645

Student Savings: Save Paper, Save Money

Did you know that North American academics are among the highest paper wasters in the world? If academics in China used as much paper as we do in North America, the worlds rainforest supply would be depleted within a year. You can choose to save paper, which is not only good for the environment, its also good for your wallet.

1. Double side everything.

Whether you are printing the profs powerpoint notes to take to lecture, or printing off an essay to proofread, always double side your paper. Keeping a tray of rough paper that you can print on the back of will definitely save you money.

And, as an added tip for printing off powerpoint presentation slides, try printing more than one slide per page. Often 8 slides per pages is a good size, but try to find the size that works for you.

2. Be creative.

Its amazing how many handouts you get in class that you dont even need. Perhaps the department requires that every single class hand out the plagiarism policy. Now you have five copies of the plagiarism policy, and nothing to do with them. Instead of simply throwing them out, you can also use this paper to print on!

Every department in a college has boards filled with paper. Often these are concert notices, upcoming conferences, or visiting lecturers. You can make it your job to help keep the departmental notice boards clean by taking down the notices that have passed their dates. You can then keep and print on this paper. Sometimes you get the best colours to print on this way!

3. Use a computer.

The more work that you can do onscreen, the less paper you will have to print. You will definitely have to print out your papers to do a final hard-copy proofread before you hand them in, but you dont need to print out endless drafts of the same paper. Often, you can also email certain documents to your friends and classmates instead of printing them out. Instead of printing 30 handouts for your seminar presentation, email the handout to the class a few days before you present. This will save you the printing and photocopying costs. Be sure to email the handouts out at least two days before you present, however. You want to give your classmates enough time to read and print your material.

4. Work with your prof.

Some professors accept green submissions. (Here you can think of green as in saving the environment, and green as in saving you the cash in your wallet). This means that they will accept work that is printed off doublesided, or on the backs of different work. You should always ask before you submit your essay, however. Whatever the prof wants is paramount. Also, if you are giving the prof work with stuff on the back, make sure that it is something you dont mind your professor seeing! Some professors also permit electronic submissions, which will also save you paper and ink.

5. Shop around.

Sometimes you come across something that you absolutely must photocopy or print. Check out the area around the university for the cheapest printing and photocopying. It probably wont be on campus, and it probably wont be a big chain like Kinkos. Youll want to find a small photocopying place, and often you can get your copies for as cheap as 3 or 4 cents. Sometimes convenience stores even have well-priced photocopiers.

6. Think of subsidies.

Particularly if you are a graduate student, you might be able to print your work at school in the department for a greatly reduced rate, or even for free sometimes. Sometimes services on campus allow members cheap printingplaces such as the Womens Center or the International Students Committee. If you are considering joining, or if you are already a member, take advantage of what you can. The best way to find out about deals like this is to attend information fairs and to ask people who have been on campus for a few years.

7. Remember the costs.

Sometimes printing at home is cheaper. Sometimes printing at school is cheaper. And generally photocopying is cheaper than printing. Often you will have a choice of what way to get your material printed, so choose the best one. And remember: you dont have to always print on white paper. Plain lined paper (even the cheap stuff) prints fine on a computer as well.

You can save yourself money, and feel good about saving the environment by saving paper. Its just one way to minimize the costs of your already expensive education.

Morgan James is the editor of http://www.theguideto-studentloans.com/the_student_loan_application_process/. Get advice on how to fund your schooling from environmentally aware financial activists like Morgan at The Guide to Student Loans today.Ashlie Blog94645
Ann Blog73831

The Zen of Traffic

If you are going to make money on the Web now is the time to accept the one overwhelming reality. Success goes to those who can generate traffic. Period. The END!

Everyone who comes to the web runs up against this reality eventually.

Everyone, without exception, gets scammed by someone or something offering a solution to this problem. I was scammed out of a lot of money twice in two weeks and nearly three times. I shared the common feeling that (a) there had to be a secret' and (b) I had better things to do' than generating traffic so I would outsource' it.

I'm here to tell you, wiser and poorer; I was wrong, very, very wrong.

There are no secrets' though different tools have different effects. I knew that!! Regular advertising and traffic generation in the physical world tells anyone that. Billboards are not TV spots. Bulk direct mail is not magazine advertising. Each tool and technique has its own methods and different segments of the population are attracted by different techniques or by the happenstance of simply seeing' the ad when a problem is on their mind.

Why I should have allowed myself to think the web world was different I have no idea. But, like countless thousands of others I did and got punished for it!

So, is there any hope? Any secret'? No! Or rather perhaps Yes. But it has nothing to do with any particular technique. I call it (only half in jest) the Zen of Traffic! And it is:

The Persistent Application of a Range of Tools

So, no pixie dust. No one riding to the rescue. No real way of buying your way out of the problem. But relax. Anyone can generate traffic. Anyone! All you have to do is:

Learn the tools and their different applications

Apply them *persistently*, which means *daily, forever* (you've read those sales pitches that talk about a couple of hours a day; this is what they are talking about!)

Measure the results with great accuracy (for example, through split testing) and adjust the mix of tools based on experience.

That's it!

Why the Zen of Traffic! Because, of course, persistence is a personality trait; a behavior pattern that you either have or can be taught. And, like the practice of Zen teachings, the more you *do* and *meditate* on the results the greater mastery you will possess until eventually generating traffic becomes an ingrained skill. And like Zen philosophy, the only way of acquiring it is to DO it! Again, Period. The End!

So what are the tools the Traffic Masters use? There are seven basic categories.

Search engine placement: It has been said that "If you're not on Google, you don't exist!" The hunt for that elusive Top 10 placement can be obsessive. The reward is an avalanche of traffic, but the competition is fierce. For most folks search engine traffic is slow to develop, readily lost and can be expensive in time and effort.

Pay-per-Click: Direct, measurable, effective, pay-per-click is a fast way of getting traffic. But, it can be expensive and demands measurement of effectiveness

Writing for Traffic: The web is an information vault. Focusing on content and providing people with structured and useful knowledge is a terrific way to generate long-term traffic. Additionally, articles carry your web address and so provide the back links the search engines love!

Classic Advertising Tools: The web has the same array as the offline world banners (equivalent of billboards), advertising through email, pop-under advertising, traffic exchanges, and classifieds in ezines, and such off-line activity as putting up posters and putting your web site on your business card. Each tool will yield something; typically a small dribble that added together across many tools can be a satisfactory stream.

Affiliate Programs: If you have a digital product and you put it on Clickbank you can hire' a sales force of over 100,000 entrepreneurs instantly.

Joint Ventures: If you are an established player this is a powerful route. If you are a newbie, it's out of your league.

And, the last one

Buying Leads: Lead companies gather leads with greater or lesser efficiency and sell them. The leads are cold, warm or even possibly hot. But, who knows? And you can be sure of one thing: the hotter' they are the more expensive they are! I, initially, had no luck with leads. I bought them for a few cents each and at my peak of stupidity I paid $20 plus per lead. They were equally useless! Until I discovered co-registration through a newsletter that works.

Building traffic is tough - which is good news or all your competition would do it. The cost is persistent effort (time) and no one approach will do it for you. Learn to use a range of tools, apply them, measure and meditate on the results and you may not be a *Zen Master*, but you can become a *Traffic Master* then you can feed yourself for life guaranteed.

Copyright (c) 2006 Michael Kay

Michael Kay is Research Director of HBB Research, a business school based research program researching web home-based business. This article is an extract from one appearing in the HBB Review, the FREE monthly ezine of HBB Research. To see the whole article and become a subscriber, go to http://www.HBBResearch.com/The_Zen_of_Traffic.htmlAlbertine Blog62377
Arlinda Blog80560

Internet Paid Surveys Fast Facts To Digest

Internet paid surveys are one of the most popular work from home opportunity to earn an extra income stream with the spare time you have. There is great flexibility. You are your own boss and call your shots. You decide when you want to take the surveys and how long you want to spend your time on the internet paid surveys. The flexibility and the good payouts are some of the reasons why internet paid surveys are extremely popular among the work-at-home mums, retirees and students who have some spare time in between lessons.

Internet paid surveys are not all work and no play. They can be fun to participate in. Not only that, what you feedback to the survey companies would help the product companies to plan and develop better products. If you are already a consumer of that specific brand of products, you stand to gain in the end when their products improve. And you can claim some credit for being the one who suggested the changes. On top of that, the survey companies would pay you for your opinions. So, it is mutually beneficial for you to do the internet paid surveys.

Most of the survey companies are free to join and can pay anything from $2 to $150 for each completed internet paid survey. There are also others that would enter you into their prize draws and even some would put you into the sweepstakes for a chance to get more cash rewards. There are quite a handful of survey companies that would reward you with points or credits that can be accumulated for cash redemption when you have accumulated enough.

You probably would start off first with internet paid surveys in the form of questionnaires. Subsequently, you could be invited for focus survey groups or even product testing and so on. These often take more time but the rewards can be great. Not only so, you would find these survey groups and testing rather interesting. While earning money, you are also enjoying the process.

Even though internet paid surveys have been responsible for the extra income thousands of folks are receiving every single month, there are still skeptics. This is understandable as it sounds too good to be true. But the truth remains that it is possible to earn additional income. Though it cannot replace your day job, extra few hundred to one or two thousand dollars a month would definitely improve your life. Plus you need not be spending too much time and attention on internet paid surveys in order to achieve that.

You may also have heard about internet paid surveys directories that are offered online. Are they any good? Well, the answer is yes! Such directories are packed with listings of reliable and paying survey companies that consistently can offer paid surveys to do. Anyone hoping to search and locate each company on his or her own efforts would take ages to do so. So why not learn more through my survey blog about these directories that can get you started earning money with internet paid surveys?

Davion Wong is a successful online entrepreneur who has multiple streams of income. Discover where to find the highest paying free internet paid surveys at his popular blog http://Free-Internet-PaidSurvey.blogspot.com and start earning some extra cash today.Aurelie Blog4731
Anne Corinne Blog61283

Why Your Writing Structure Counts

Many forms of poetry have very strict structures. Some types of fiction do as well--writers of romance novels go outside their publisher's "guidelines" at their peril.

Non-fiction also has a number of formats.

Most news releases, for example, are written in "AP style." This is not all the stuff in their well-known and widely-used style guide, but a general format in which the key facts are summarized in the first--or lead--paragraph with the rest of the story adding details, usually in descending order of importance. This is also called the "inverted pyramid" style, and there are two versions of how it came to be the basic news report format.

The first has to do with the way pages were made up in days of yore. If a page form had all its lead type in its columns and, just before press time, a new story or advertisement had to be placed on that page, the editor easily could pull out the bottom paragraphs of one or two news stories so this revenue producer would fit. If the stories were written in AP style, the important stuff remained. (This may be the origin of "getting the lead out.")

The second goes back to the second half of the 1800s, when reporters covering the doings in the American West filed their stories over telegraph lines that were not always reliable. By insisting stories be in inverted pyramid form, editors at least got the basics before the lines were taken out of service by extreme weather or some of my father's-side ancestors wearing various shades of war paint.

While the AP style isn't very entertaining, when your editor (or news release guide) calls for it, you stray at your peril.

Copyright (c) 2006 by Bob Lory. Bob Lory is an author/teacher of business communication strategy, management and writing with 30 years of corporate and independent consulting experience. He's also written 35 published novels. Get more of his insights on good writing at http://write-to-communicate.blogspot.com.Auria Blog5766
Annalena Blog84438

Tax Havens of the Caribbean-- the Cayman Islands

Investors and corporations desiring to get away from SEC regulations, and US taxes can conduct business operations from the Caribbean, including the British Virgin Islands, the U.S. Virgin Islands, the Dutch Antilles, and the Cayman Islands. The banking sector of the Caymans contains 450 banks from 65 countries, and is the fifth largest banking centers in the world.

The Cayman Islands have never implemented income tax or corporate tax. This is as a form of tax competition, against all the taxing monetary authorities and governments all over the world. Places like the Cayman Islands play a key role in globalization, since they are a place where investment deals between corporations from many countries can be made without the interference of national sovereignty or tax law. Unlike their reputation as rogue centers for finance, they are connected to all the money-center banks in New York, Tokyo, London, and Hong Kong.

Over 650 Hedge funds were recently registered in the Cayman Islands, bringing the grand total of hedge funds there to over 7,000. Hedge funds routinely set up in this tax haven to attract investments and avoid taxes in the USA, Europe and other countries. Even U.S. Pension funds invest in Hedge Funds, through their shell companies to avoid paying taxes. Assets of the hedge fund sector exceed $1.3 trillion. Another $2.5 billion in pension funds from Japan were moved into hedge funds and similar investment vehicles recently. There were also over 2,000 mutual funds operating out of the Caymans. Financial regulation is administered by the Cayman Islands Monetary Authority. International pressure exists to improve the regulation of the securities and investment business. These questions were dealt with in discussions in a British parliamentary White Paper. Tax-treaties between the U.S. and Great Britain and the Netherlands are being revised to deal with such problems.

The Caymans took steps to improve anti-money-laundering measures, which got it removed from the NCCT, the Non-cooperating Countries and Territories list. The Cayman Islands have complained that they want to make sure there is a level playing field so the regulations that they must exchange tax information are applied to other well-known tax havens.

With the U.S. stock-markets going nowhere for several years, there has been a shift to non-traditional investment methods. The idea of the hedge fund is to be market neutral. It makes money by taking short and long positions in a variety of derivative instruments. They often use a lot of derivatives, such as options, calls, puts, warrants and so on. Many hedge funds in Europe are headquarted in the Cayman Islands, and are listed on the Dublin Ireland stock Exchange, while others use Luxembourg as their European base of operations.

Hedge Funds can get investments through a Fund of Funds, which allows smaller investors to have their funds pooled and be invested in a hedge fund. So instead of a minimum investment of $1 million, investors can join the Fund-of-Funds pool for as little as $25,000. This involves hedge funds fees, and a second layer of fees at the Fund of Funds level

Howard Giske is a legal consultant. For legal information for small business: http://www.legalformsguide.com, for Incorporation services: http://www.incparadise.comArdra Blog66532
Ashly Blog48762

General Tips For Tourists In Germany

Germany has emerged as one of the premier countries in which to vacation in Europe in recent years. Germany has a uniquely diverse landscape for a European, containing mountainous regions contrasted with sandy beaches and large, natural untouched forests. Germanys beautiful landscape and its abundance of amazing destinations add to its appeal. The Germans, themselves, are very hospitable and welcoming to visitors to their country, showing that they are proud of their land and the progress they have made in becoming a world player in economics, culture, and tourism.

For some visitors, Germany may be their first exposure to Europe and its small, but apparent differences in their culture. Here are some tips for traveling to and staying in Germany:

Germany has adopted the Euro for its currency for the ease of trade across its borders. Virtually every financial institution around the world will be able to accommodate currency exchanges, current exchange rates, and will be able to determine if your credit cards and debit cards will be accepted in most places. Credit cards are typically not accepted quite as much as in other countries, particularly the U.S. so planning ahead is a good idea.

One of the first things travelers will notice when settling into a hotel room in Germany is the different style of electrical outlet. Compared to, say American 110 Volts, Germans much higher 220 Volt outlets put out much more power. There are adapters available, but you would be much better served by bringing along a voltage regulator with an interchangeable adaptor. The extra voltage being sent to your electrical device without regulation can cause major malfunctions. This is particularly true of relatively fragile electronics such as laptops.

Speaking of laptops, if you like to stay connected then you will likely want to know how to get online while on vacation in Germany. Many Americans have become accustomed to paying a flat rate for unlimited use of access to the internet, but German ISPs typically charge a per minute rate. Though many hotels do offer Wi-Fi service, they too are typically billed at a daily or weekly rate. Wi-Fi would definitely be the way to go when accessing the web since an adaptor will be needed to plug in. Additionally, it is a good idea to specifically ask about rates and availability at your hotels front desk before plugging in many German hotels long distance rates pack a punch!

If your cell phone provider uses GSM technology, then your phone may work in Germany. If not, then you are probably out of luck. Verizon, Cingular, and T-Mobile have all moved towards GSM technology in recent years in an attempt to satisfy trans-Atlantic needs. Check with your carrier on availability.

If you are from a major metropolitan area in the U.S. or other country, then you may be familiar with a problem many Germans also face parking. If you rent a car in Germany, then parking will likely become an issue when visiting the larger cities such as Berlin, Munich, and Hamburg. There are also frequent tolls, narrow streets, one way streets, and no shortage of pedestrians to look out for. Germanys public transportation system is one of the best in the world and will usually be cheaper than renting a car, so you may want to use the trains whenever possible to avoid some potential stress.

Puripong Koomsin is the owner of http://www.europepathway.com General Tips for tourists in Germany is useful article.Alexandrina Blog871
Andreana Blog20792

Get Paid to Drive Your Car

Whats the Deal?

Its quite simple. Big corporations are always looking for new ways to promote themselves. And the latest, most innovative way, is you. All you have to do is agree to place the logo or advertisement of a company on your car, and drive with it wherever you go. This new method of company promotion offers an immense benefit to the advertiser, and you profit from it. In some cases, the company will actually give you a new car with a logo already on it. And all you have to do is drive.

Does this actually work?

Yes. But be ready to wait a while before making any money you will be at the mercy of your advertisers. On average, applications are accepted within 90 days of submission. But the wait might be well worth it in the end. Today there are literally millions of people who are benefiting from this new advertising strategy throughout the United States, Canada, and Europe.

Whats the catch?

There are two things you have to realize before considering this money-making tactic. First, you must be willing to have the advertisement on your car wherever you go; you are not permitted to take it off until the advertising term ends. And secondly, you must agree to drive at least 1 000 miles per month. But most people do this anyway. It is also a plus to leave in or near a large urban center and to park in a public place as much as possible. The advertisers will collect this and other detailed information from you before working with you. Moreover, you will be responsible for insurance, maintenance, and paying for gas. You must also be at least 18 years of age, and have a good driving history.

Where do I start?

There are quite a few companies on the internet that offer this service. What they will do is take your name and submit it to a list of advertisers, or better yet, they will simply give you a list of the advertisers who are willing to offer you cash for driving. In the latter case, you can pick your favorite and contact them directly. In all it only take one sign up (usually about $30) and a few e-mails and youre done.

How much will I make?

Between $100 and $3000 every month. Of course very few people make $3000 per month. But it depends on the company, how far you drive, where you drive, and the type of ad thats placed on your car.

Where to Look: www.makemoneydriving.biz

The customer service here is excellent. And the directory offered is very thorough, which results in the highest chances of getting accepted, and being paid more. The information provided on the site is somewhat lacking, but you can always ask for more details to make sure youre getting what you pay for.

Another Website: www.thefreecar.com

TheFreeCar.com features a tool to locate programs available in your area and is one of the more established "get-paid-to-drive" companies, but it is more expensive than the rest.

Still Looking: Google It

Search for: "get paid to drive your car" and browse through the results until you find one you like. There are many of these programs available, so feel free to take your time.

Michael Brulotte is a student at Marianopolis College in Montreal, Quebec. He is studying law and will soon become an advocate of international law in Canada. His interests are primarily in human rights, and the association of law and morality.Averil Blog65013
Alisa Blog1875

Slots Winning Strategy

When it comes to online casinos, the slot games are truly the tour de force of the graphic designers and game planners who get an opportunity to demonstrate originality, vision and also humor. Slots certainly provide fun, thrilling, and colorful experience, but what more can you do as a player to maximize your winnings?

At a glance slot machines seem to be a game of pure luck. Several casinos even install autoplay function for players to truly auto-pilot the game and leave it running on the screen while going to grab a snack or taking a bathroom break. However, good slot games will keep you hanging on, compelled to see what the next spin will bring about, and here enters our strategy.

Slots strategy is comprised of very basic, easy to follow rules that are more focused on human behavior than the mechanics of the game. The underlying idea is that in order to be a slots winner, one must know not only how to start, but when to stop.

Rule number one (that can and should be applied in all realms of life) stick to what pleases you. First of all find a slot machine that you like: the visuals, the sound, the play buttons, you get the idea. Slots are based on repetitive images, so pick out a game with a nice color scheme that is easy on your eyes and drawings that suit your likings.

Multiline slots with bonus features are generally looser than one line slots, meaning that they yield more winnings. Bonus features can include wild cards that replace any other symbol to complete a line, scatter pay which multiplies your win, free rounds, or bonus games which are games within games where you gain more credits. The more rewarding features they are the more you are likely to reap. To learn more about multiline slots please visit http://www.money-casino.com/casino/Slots-125.htm which features 8, 9, and 15 line slots.

Prepare a larger bankroll than you intend to play with just to be on the safe side. While playing you'll lose some and it's important to have a chance to retrieve your money. When playing multi-line slots always bet the max. Otherwise you may not qualify for some of the bonus features. To keep your bankroll balance you can use the smallest coin denomination (as low as one cent in most casinos) while hitting Max Bet.

The final and most important rule is to quit while you're ahead, and that's usually when you have made a profit of about 30% of your deposit. (For example, if you deposited $300, quit when you reach to $400). You may get tempted to go ahead, but it is generally a good idea to let the game (and yourself) cool down. You can always go back later.

That's all there is to it. As long as you stick to the guidelines you stand a pretty fair chance of becoming a consecutive slots winner.

Michael Green is an independent gambling writer working with http://Money-Casino.comAtlanta Blog83706
Aimee Blog95352

Ministry and Motive: What Giving Is All About

In the culture and society we live in today, it isn't money that is the most valuable commodity. It's time.

We are all so rushed, so busy running about, that when it comes to Christian service and ministry, it's easier to write a check then to roll up our sleeves and get to work.

How much do you care about the church?

About Gods people? How much of your time is spent helping givingpraying for your church? A lot of people give money to the church but much less give themselves.

There are a lot of reasons that move people to give to the church. I know that some people give as a write-off so that they will get a break on the taxes they pay to the government. If that is your only motive for giving, it is not a proper one.

A tax write-off is just not enough. That is not going to help you any with God.

Some people give to the church to gain a reputation for giving.

The Bible talks about giving a lot. We are to tithe, or give off the top of what we received. We are supposed to be involved in ministry, or service to the church. And we are to pray, for our fellow believers, our spiritual leaders and our church itself.

The Bible has lots of examples about those who had the wrong attitudes about giving.

It is striking that the very first death recorded in the church occurred when a couple, Ananias and Sapphira, decided they would gain a reputation for giving that they did not really deserve. In the fifth chapter of Acts we read that other people were giving property. This couple thought they would get in on the honor and prestige that was being heaped on those who generously gave, so they gave some of the proceeds from tome land they sold. But they pretended that they gave all of it when they really did not.

When the Holy Spirit dealt with that hypocritical kind of giving he dealt very severely with it.

Some people give because they were afraid of dying and they want to make Brownie points with God.

There have been people who give hundreds of thousands of dollars because they felt it would help them in their standing before God at the judgment seat. But they were not giving to help the cause of God or the church. They gave because they thought they could buy Gods favor.

All these are wrong motives.

When it comes to giving, motive is more important than the amount.

God is not so interested in how much you give the church, but why you give.

Do you love the church? Thats the example we have from Christ.

More than 24 million seniors collectively volunteer 6 billion hours each year in the United States. Researchers at the University of Michigan recently discovered that the survival rate of seniors who volunteered 40 or more hours a year for a single cause was 40 percent greater than that of non-volunteers.

"Seniors who volunteer say it improves their health, life satisfaction, and social well-being," says Donna Thurmond, director of Senior Services for Volunteers of America.

That's just one example of why serving and giving and ministry is not only pleasing to God but good for us.

We are supposed to serve because it's somehow wired into our spiritual DNA. Not to give and serve and pray is to turn our backs on God.

And that is never a good idea.

Mike Fletcher publishes the Online Christian Shopper (http://www.onlinechristianshopper.com), a Web site that sells Christian T-Shirts and Christian apparel.Anselma Blog10898
Babs Blog53243

Meet Instant Money Need through Unsecured Cash Loan

Monetary needs of salaried people often crop up by the time the month has gone by a bit. Till they get next paycheqe, smaller amount is what they seek to borrow. Unsecured cash loan meets well their requirement. There is no need for a borrower to offer any property for giving security of the loan to the lender and that is one reason the loan is popular. The loan can be utilized for any purpose one thinks fit.

No property is required to be placed as collateral in taking unsecured cash loan. This is mainly because the loan is essentially a short term loan for a repayment period of only one or two weeks. Such short duration normally leaves little scope for a payment default. The amount borrowed also is usually smaller ranging from 100 to 1000 which is smaller enough for an easy repayment of the loan. Moreover since the borrower is usually an employed person, this also ensures safe return of the loan. So there is no major need for the lender to secure the loan.

However some lenders may ask for a post dated checque from the borrower. The cheque contains borrowed amount and fee of the lender. At the repayment time, the lender deposits the cheque in borrowers account and withdraws the loaned amount.

There is one little disadvantage with the loan that it comes at higher interest rate. This is because the lender needs to cover the risk for a unsecured loan. Still higher interest rate is no barrio in taking the loan. Since the loan is paid back in one or two weeks, the lender feels no burden and moreover his priority is taking cash loan for urgency.

Unsecured cash loan is approved instantly and the amount comes in the loan seekers account within 24 hours. This is because the lender has ensured the repayment capacity by looking into details of borrowers monthly income and employment.

Bad credit of a borrower is no hurdle in the loan availing, though the loan is unsecured one. The interest rate and fee on the loan is too high for a borrower to delay the repayment. Apply for the loan online for a quick approval of the loan. But first search the right lender on internet. Compare interest rate and terms conditions of lenders before settling for the loan deal.

Unsecured cash loan provides you money without any collateral and that too within hours. Take the loan after studying carefully its aspects and compare the loan packages for better deal.

Olivia Maaret loans have recently began to play a strong part in deciding the financial future of general population. Olivia maaret can help you find the best loan at best interest rates. To find Unsecured cash loan, Cash loans, Online cash loan, Short term cash loan, Fast cash loan visit http://www.cash-loans-online.co.ukAshlen Blog49726
Alison Blog271

Consider All Options Before Taking Out A Bad Credit Loan

It's happened to almost everyone at one time or another. Unexpected expenses come up and there's no paycheck left after paying all the regular bills. The answer for many is to obtain a signature or unsecured personal loan. These types of loans are used by many people but especially those with a bad credit history.

Bad credit is something that can be just overspending on your part. This is the typical attitude of many who see people in a tough financial situation. There are many more however where through no fault of their own, there's been a financial set back like a job loss. Or a child needs to go to the hospital and we all know that insurance, even when it is available doesn't cover near enough of the cost. Or how about the unexpected bills that show up when we least expect it. These are inconveniences for some but many people especially at the lower income ranges simply don't have the money cushion available to get through emergencies.

Back to the bad credit loans. Those payday type lending companies charge a heck of a lot of interest. Don't be fooled into thinking that you can afford the monthly payment. This is a common tactic to get you to agree to making those payments. What they don't explain well however, is that a large proportion of that payment is actually going to interest.

While these loans of last resort may seem like a quick way out of your money problems, they are more likely a trap to keep you in debt longer to those companies. Consider all other options before getting a bad credit loan.

Here are a few ideas:

1. Sell property. If you have things you've bought that you don't need any longer, sell them. Use EBay or a garage sale but get rid of the accumulation of stuff.

2. Work a part time job. Not my favorite but a part time pizza delivery job will get you out of debt much faster than a typical bad credit loan. And remember this possibility is just temporary until you get back on your financial feet.

3. Work out different payment options with your creditors. Mortgage companies do not want to foreclose on your home, and banks don't want to repossess your car. Bottom line is they want their money and interest. They would much prefer that you contact them directly and work out a payment plan based on your current situation then having you later quit making all payments. Contact your credit card companies and do the same. These people will also work with you. Remember however, that once you agree to something, it's important that you keep your word and deliver on those promises. This means don't promise anything you can't do.

Is your usually payment 100 dollars but you can only afford 50 and you're behind a couple of months? You should actually call the creditor first instead of having them make the first contact. Still, once on the phone, don't promise to catch up and make full payments if you cannot afford to do so. It destroys your credibility. Being behind makes you someone with a problem. Promising and not delivering makes you a liar.

There are other strategies that although uncomfortable can be used instead of a bad credit loan. Exhaust all possible options before committing to a loan from a lender of last resort.

Abigail Franks writes on a variety of subjects which include family, health, and education. For More information on bad credit loans visit the site at http://www.bad-credit-loan.supersavings.infoAngelica Blog93362
Anette Blog31992

Banner Advertising: Popular in the 90's, Died in early 2000, Bouncing Back in 2007

A banner ad is an advertisement placed on a Web site either above, below or on the sides of the Web site's main content and is linked to the advertiser's own Web site. Banner ads are graphic images used on websites to advertise a product or service. Banner ads are displayed in many different sizes, but common sizes used are 460 pixels wide by 60 pixels high. Other common sizes include 460 by 55 and 392 by 72. In the early days of the Internet, banners ads were ads with text and graphic images.

The first clickable banner ad was sold by Global Network Navigator (GNN-One of the very first commercially supported web publications and one of the very first web sites ever developed) in 1993 to a law firm. The first web site to sell banner ads in large quantities was Article Marketing hotwired.com. They sold their first banner ad to AT&T on October 25, 1994. There is a dispute over what company actually paid for the first banner: also credited as the first was a banner ad sold to Coors also in October 1994. In those early days, banner ads could contain graphic images and text but with today's technology such as Flash, banners are now complex and can be ads with text, animated graphics an sound.

Banner ads were measured by the number of impressions they generated (how many times the banner was displayed). Ken McCarthy, a well known Internet Trainer, was the first back in May or 1994 to introduce the concept of a clickable/trackable ad. Ken felt that be able to measure the return on investments was the only way banner ads would prove sustainable over the long run.

Banner ads are dispersed throughout the web by paid services and also free Banner Exchanges. In essence, there are two ways that you can benefit from placing free banner ads;

1. You can create a banner ad for your own products or you Affiliate products and display them on your own website.

2. You can join a number of the free banner exchanges found on the Internet. Just conduct a keyword search for free banner ads or banner exchanges and you will find as many as you wish to deal with.

A Banner Exchange is comprised of a network of participating websites that display banner ads in exchange for credits that can be converted to banner ads that are displayed on other sites. There is a predetermined exchange rate. These credits allow you to display your banner ads on other websites. Members of large banner exchanges have the potential for their banner ads to be shown on thousands of other web sites. Typically, you could expect an banner ad exchange rate of 2:1 or 3:1 which means that for each time you show 2 or 3 banner ads on your site, the exchange will show your banner ad one time.

Jimmy Oakley-©-2007- Jimmy is an Internet Marketer who markets a variety of the best Email and Internet learning systems offered online. Today you can learn his secret weapon to getting tons of quality, 1 way links to my brand new websites in less than a 2-4 weeks with very little effort! Increase your Google ranking by easily using this new software program that is being secretly used by top ranked websites in Google, Yahoo, and MSN! I think you'll be surprised when you visit the website and watch the demo video and read all of the user comments... Visit http://www.jimmyoakley.com/ArticleSubmitter.htmlArlen Blog54850
Atlanta Blog83706

Making this Bad Credit Loan the Last Youll Ever Need

If you are suffering from bad credit in any form, you probably want to do everything you can to clean things up so you can enjoy the world of good credit again. After all, in the media and from talks with the majority of mortgage brokers and big lenders, chances are youve been told that bad credit wont get you anywhere ever. The great news is thats rubbish! Working in the bad credit mortgage industry, I personally know that people with bad credit are securing mortgages good ones with reasonable interest rates every day. You can too, and when you do, its important to decide immediately that this bad credit loan will be your last ever!

This Bad Credit Loan will be the Last!

It might sound depressing saying that something will be the very last ever, however when it comes to bad credit loans, Im pretty sure youll agree with me that its a good thing to decide that it will be your last. Thats because once you secure your bad credit loan, you will be well on your way to cleaning up your financial house to make sure you achieve good credit and a financially secure situation again or perhaps for the very first time! After saying this, perhaps you are saying, Yeah Julian, all very well and good for a money expert like you to say, make this bad credit loan your last, but I have a history of bad credit and poor money decisions? My response to that is, So what! Even with the strongest history of poor money management, bad credit mortgage experts worth their salt can work with you to change your bad money habits and turn them into good ones that will result in lasting financial security. Hold me to that, because now Im going to show you how!

How to make this Bad Credit Loan Your Last one Ever!

Sure, Ive made a pretty amazing statement in the previous section, and now Im going to show you how you can ensure this bad credit loan is the very last one youll ever have because its going to be the last one youll ever need!

Its quite easy and straightforward to achieve this, so here goes:

Find a bad credit mortgage expert who knows what they are doing: It is critical that you choose to work with a reputable bad credit mortgage expert! Good specialists in bad credit mortgages will secure competitive mortgages for people with all sorts of financial problems. Sounds drastic right? It gets better! These experts dont just secure their clients a good home loan though. They also make sure their clients are prepared to succeed both now and into the future.

Good money management: If you are dealing with a credible bad credit mortgage expert, and you arent mortgage ready when you walk through their doors for the first time, they work with you to get you ready. Its all about good money management, and no, its not rocket science. It is discipline though. You make the decision to turn from your bad credit ways and you stick to that decision. Then you go to a bad credit mortgage specialist for your credit redemption! Sounds pretty dramatic, however its true. Bad credit isnt the end, because every day bad credit clients prepare for a better financial future and secure home loans even people with personal bankruptcy! The reality is that for every financial problem, there is always a solution. That solution is good money management. Reputable bad credit mortgage experts teach every client they work with, how to regain control of their finances, and for some it may be the very first time they have that control. These specialists teach their clients how to keep control as well, which prepares the client for a successful financial future. Once a bad credit mortgage specialist secures a home loan for their client, they will also walk away with a plan to follow that will ensure they will find a life of good credit at the end of the rainbow.

Get a bookkeeper: A bookkeeper will really help you to keep on top of your financial situation, so find a good one and hire them! At least this way you will be up-to-date with everything and know what money is coming in and what money is going out.

Stick to your cash flow plan: You are paying a certain amount off your mortgage each month according to your budget. You must stick to your budget. One way to ensure you never go beyond your budget is to donate what you deem to be a significant amount of money, to a cause you do not support. For instance, if you have a fear of birds, donate money to a bird society. Do this even if you go over budget by just a few dollars. It will keep you disciplined.

Stay Motivated: Think about what you want to do once you are financially stable and secure. Pin photographs of your dream home, car or holiday destination on your corkboard, so you can see it as you work. Set goals and remind yourself of them. Try reading rags to riches stories as well, because they will definitely inspire you. All of these things will help you stay on track.

How to Get Your Last Bad Credit Loan Ever!

Forget the banks, because they wont touch anybody with bad credit! Find an experienced bad credit mortgage broker who will work with you so youll get a great home loan to suit your needs, and the guidance you need to ensure your financial future is bright. Say goodbye to bad credit once and for all!

© Julian Thornton, Designer Mortgage Solutions Pty Ltd, 2006.

Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and debt elimination, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian@designermortgagesolutions.com.au or by telephone on 03 9556 5431. Further information is also available at www.designermortgagesolutions.com.au .Anette Blog31992
Audi Blog21346

The Secret to Negotiating with Creditors like A Pro

So many businesses these days are saddled by overburden some debt, and when debts go unpaid negotiation with creditors becomes a necessary tool for a debt-laden business to survive. Whether you do it on your own or hire a professional, skilled debt negotiators save businesses real money. However, some business debt negotiation succeeds and some fails. Why?

The secret to succeeding in business debt negotiation is in understanding how to best position a debt-troubled company to negotiate a fair-minded settlement with creditors. The use of proper positioning will impress creditors and promote reasonable settlements. Failure to position a company properly will put it at a significant disadvantage with creditors, dooming it to a negotiating “rut”.

In positioning a debt-troubled company, the primary types of variables that are relevant for effective debt negotiation with creditors are economic, credibility, legal, and collection history. Understanding how to use these variables correctly allows a company in serious debt to create a strategy to win the debtor/creditor “negotiation game”. Sound interesting? Read about the variables below.

Economic Variables. Economic variables consist of effective communication and documentation with creditors regarding current cash flow, future earnings potential, assets, guarantees, outstanding business debt loans, security on any debts, liens, judgments, etc. A good negotiator needs to consider that some creditors are in deep need of their money, while others have deeper financial reserves. Proper use of the economic variables results in an informed and interested creditor who is most receptive to communications and offers. Negotiators also need to be prompt and honest. Negotiators who are not knowledgeable about the details of the business they are negotiating for are lost!

Credibility Variables. Having clear goals and adequate resources to settle debts are instrumental. But the best laid plan will be useless without creditor cooperation. This takes a credible negotiator. Open communication with creditors has to be correctly managed by negotiators. High quality information, current information, and frequent communications need to be exchanged and maintained in order to reach equitable debt settlements. Broken promises in the past, lack of clear goals or a clear reorganization plan, unanswered inquiries, etc. damage credibility and slow the process. Negotiators need to maintain creditor respect, and reestablish the credibility that has been lost by the debtor.

Legal Variables. Every creditor and collector has a wide range of legal options in trying to collect their money--everything from doing nothing to winning a judgment and seizing assets. A good negotiator knows each creditor’s exact position in the collection process. Negotiators know that creditors will be considering, among other things, whether or not the debt is in suit, if the debt is disputed, if the debt is secured, if bankruptcy has been filed or contemplated, if they are the original owner of the debt, the collectability of the debt, etc. Negotiators should always factor in the costs of legal action in their analysis.

Collection History Variables. The history of a debt account is important to the creditor's collection stance. Variables such as prior collection efforts, the number of prior collectors, the age of the debt, prior offers and demands, etc. help creditors decide how to proceed. Some collectors have set rules provided by creditors for collection, while others have more internal flexibility to fashion settlements and solutions. As a negotiator, try to gather information about the creditor’s limits, payout terms, willingness to settle, etc., while maximizing the use of the collection history data to turn the creditor towards a reasonable solution.

The above list of variables is not meant to be complete, and there are secondary variables (the discussion of which is beyond the scope of this article) that can come into play during negotiations.

The negotiator’s strategy is to use the above variables as a “system” to provide creditors with lots of accurate information about the business’ problems, so that the creditor will be most informed of how dire the cash flow is, how burdensome the debt load is, how repayment cannot be made, how operating expenses are not being met, etc. Typically, there will be two outcomes. Creditors will either agree to settle debts for less than is owed, or they will agree to extend the time in which they are paid. Either way, an efficient debt negotiator will allow a business to allocate more resources towards increasing revenue, as opposed to wasting resources on debt load it cannot pay.

Which option a creditor decides to take is dependent on each particular debt and each particular creditor. There is no steadfast rule as to what a creditor will do. Some debts are just recently delinquent, while others have been through litigation and have judgments entered. Some debts are unsecured, while others have an asset pledged against them in case of default. Some creditors are in deep need of the money, while others have deeper financial reserves. Good debt negotiators will balance creditor “wants” with debtor “needs”.

Mastering the debt negotiation process begins with understanding the "ins and outs" of these factors. Using the strategy mentioned above will certainly influence a creditor’s decision-making process, potentially saving a lot of money for debt-strapped businesses.

This article was written by Christopher M. Lee, vice president of Debt Management Associates, Inc. Mr. Lee has 18 years of debt negotiation experience. For more information, go to http://www.debtassociates.com.Alvina Blog99946
Alana Blog59006

Don't Waste Your Time With Clickbank!

Let me guess...

You're looking for more streams of income?

I know I'm always on the lookout for a new income stream that can generate profits without a lot of work.

When I ran across CBmall, I knew I had found a program that hits the nail on the head.

Most affiliate programs have only one way you make money. You send them traffic, and they close the sale (hopefully).

Are you looking for more streams of income?

I know I'm always on the lookout for a new income stream that can generate profits without a lot of work.

When I ran across CBmall, I knew I had found a program that hits the nail on the head.

Most affiliate programs have only one way you make money. You send them traffic, and they close the sale (hopefully).

The best of them will add another stream with some follow-up emails. That's much better.

But CBmall actually has 15 different ways to make you money.

This is one powerful revenue engine.

And here's the beautiful part. CBmall does virtually all the work. All you need to do is drive some traffic. The mall does the rest.

The CB in CBmall stands for ClickBank. The mall sells thousands of the top-selling, most popular products on the ClickBank network. These are the best of the best. They got there because they convert browsers into buyers. And they are all available in one place. You get the power of this system by promoting one simple URL.

CBmall's automation is amazing:

* No html required - you don't even need a web site
* TONS of support and marketing ideas to help
* They do all the support
* ClickBank handles all the credit card processing
* Newsletters and eCourses that make YOU money from your traffic
* Automated income streams all over the place

I could go on, but a better ideas is to sign up for an eCourse called: 15 Powerful Ways CBmall Makes You Money.

This course details the power and sophistication behind CBmall. Understand this, and you'll see why CBmall represents a new trend in affiliate programs.

You'll also see some major names in Internet Marketing on the testimonial page at CBmall. I use it on several websites that I own plus I integrate it into my email lists which is something that you could learn to do to really bring in that profit.

Terry Dean actually called CBmall, "the perfect second stream of income". Pretty high praise.

So if you're interested in more profits, check out the CBmall.

I did, and I am loving the extra income it is making me.

Yours,

Prince Oversol

Prince Oversol is an online marketing expert who has lectured to thousands and is dedicated to helping people. For more FREE tips go to: http://www.challenge1.millionairestream.com or join our FREE eCourse at http://15secrets.millionairestream.comAlbertine Blog69021
Anselma Blog10898

Now Internet Makes Financing Easier - Online Secured Loan

Improved technology has made possible and easier for us to apply any form of secured loan through online. While applying secured loan online there is no need to visit banks and other financial institutions for loan. Rather all the formalities are conducted through internet and also the money is transferred in the account within 24 hours.

Finally, when we decide to avail online secured loan, a thought mostly visit in our mind that is, providing all the personal and financial information on the internet is safe? It is the common question that may arise. And, there is need to inform all the people willing to avail online secured loan that there is no need to worry about the security of the information provided on the internet. The reason is that most of the websites uses encrypted software which keeps the information secure.

And, when our security problem is solved the next point lies in finding the online lender which provides the loan as per our needs and requirements, which is only possible through a thorough research. While searching, number of lenders comes with their offers of online secured loan. While choosing the lender we must keep our eyes open. In other words, the borrower is needed to go thoroughly on each and every aspect of the secured loan being offered. Brief of such point which are needed to be considered are:

Interest rate

Other costs of the loan

Terms and condition

Whether lender is authorized and reputable

Repayment period

Hidden costs etc.

Above are the points which need attention in regard to the secured online loan. Another point which is needed to be considered is that whether borrower can afford all the repayments of loan or not. If the borrower finds that he will find difficulty in making repayments in such case, he must avoid taking any loan because it can affect his credit score and can also put his asset placed as collateral on risk.

As such there is no difference between initial secured loan and

Online secured loan but an online secured loan offers the facility of applying loan at the convenience of the borrower that is at any time and from any where. Practically, it is also proven that the cost of online mode of applying secured loan is much lesser than applying in the physical market. The basic reason is that the online method involves no processing and overhead cost.

Aldrich Chappel has been associated with GetSecuredLoans, since its inception. Having completed his Masters in Finance from Lancaster University Management School, he undertook to provide useful advice through his articles that have been found very useful by the residents of the UK. To find Cheap secured loan, Secured consolidation loan,Low cost secured loan, Best secured loan UK, Online secured loan, Homeowner loan personal secured visit http://www.get-secured-loans.co.ukBabs Blog53243
Alecia Blog4497

Buying Wedding Invitations? A Step By Step Guide To Saving Money And Getting What You Order

Wedding invitations can be ordered in several different ways. You can order your invitations online or in a stationery shop. You can also find a company that customizes your invitations based on your theme and style of your wedding. Choosing the perfect wedding invitation can be a daunting task. Making sure that the invitation wording is correct is essential. Many brides have had to reorder their wedding invitations because they made a mistake when entering their information during the ordering process.

Choosing your invitations

12 months before your wedding day

I like to have my brides order their invitations on the internet. There are several advantages to ordering online. The biggest is that you have the ability to preview your invitations with your customized text before you place your order. As soon as you have reserved your wedding date and location send your save-the-date announcements.

Ordering your wedding invitations

Six months before wedding day

Spend the money to order a sample, many times I have found that brides base their opinion on the picture from the internet. The images on a website do not tell you the thickness of paper or the color of the invitation details. Dont forget to order the thank you cards, wedding programs, reception and response cards.

Tip: Be careful when choosing your font, not all fancy script is easy to read.

Order a proof of the invitation.

This can delay your order for up to a week, but the satisfaction of knowing that you can edit or proof the wording on your invitations is well worth it.

Track your order

Make sure that where you order your invitations that website has the ability to give you a confirmation email and tracking number for your order. You will then get an email with when you invitations ship.

Written by Kim Lapp, owner and web designer for http://www.yourwebsource.com. Kim has owned Sandstone Invitations, an online wedding invitations company, since 1999.Ariel Blog53968
Auria Blog65483

Common Sense Approach to Improve Your Breast Health

Medical experts recommend the following measures to best protect your breasts while maximizing your overall health. Try to adopt as many ways as you can to improve your breast health!

Sensuality and sexuality are not opposed to or the enemy of spirituality. Celebrate the sensuality of your body! Do not smoke cigarettes or other tobacco products - Like alcohol, smoking has been linked to breast cancer. Enjoy nurturing yourself. You need to massage your breasts and/or pamper yourself with a massage or your favorite spa treatment. It is a MUST survival skill.

Take in supplements such as vitamins E, C, and B-complex as well as minerals. When your stress level is high, eat mineral-rich sea vegetables or take mineral supplements.

Practice breast self massage as well as using the spa service -Use warmed oil to touch your breast gently while in the shower or with your partner. ANBES breast massage oil is ideal if you want your breast to feel smooth and silky. It furthers help in preventing wrinkles / lighten stretch marks.

Avoid excessive drinking of alcoholic beverages - Some studies indicate there may be a link between drinking alcohol and an increase risk for breast cancer. Occasional red / white wine is fine or rather it benefits your health.

Do not use underarm deodorant that contains aluminum salts or other compounds. Aluminum is a heavy metal that can enter the blood and lymph systems through the skin and severely challenge the immune system.

Use hormone-free contraception - Try not to use the pill for long term and synthetic hormone therapies when necessary. A number of natural substitutes to hormone therapies are emerging on the market.

Eat a well-balanced diet - Include lots of fruits and vegetables, and keep your intake of fried foods, red meat, and junk food to a bare minimum. Prevent taking hydrogenated fats like margarine and vegetable shortening. (Be conscious of products that are in many store-bought crackers, cakes, and cookies - even health-store brands.) Cook with olive, peanut, sunflower, or sesame oils and butter or - better still - clarified butter (ghee) on bread.

The above information is found in Ms Yvonne Lee, internationally acclaimed book "To All Women Who Want To Enhance Their Breasts Naturally, But Don't Know How To Start". It describes and details the most important breast enhancement techniques from every corner of the world. Author Yvonne Lee, provides an unbiased pro-and-con analysis of each technique, in addition to practical information such as how and where to get it and cost involved. The ebook version of the book is now available at: http://www.breastenhancementbook.com

ANBES.com is offering Free Sample, Limited Period Only. Latest Nanotechnology Breast Enhancement Serum That Show Immediate Results In 5 Minutes ... While stock last! Consists of Pueraria Mirifica. Hurry Click Here Now> http://www.anbes.com/article/

Julie Walker is the customer service guru of http://ANBES.com. Ardra Blog66532
Annadiane Blog40504

Crossbed Truck Tool Boxes

The crossbed truck tool box is the most popular style of truck bed tool boxes. I see more of these boxes on the road then any other. Crossbed boxes have more storage space then most other pickup truck tool boxes. They also come in a variety of styles and designs to fit nearly anyones needs.

The most common truck bed box is the single lid box. This crossbed design has one single lid with two latches to open the lid from either side of your truck. These boxes can range in price from under $200 to around $600.

The two lid crossbed truck tool box is another common style. These boxes open from either side of your truck. They are priced about the same as the single lid. Remember there are many manufacturers of all these crossbed boxes, so take your time and look around.

There's many manufacturers of these boxes. Some of the most popular companys are Dee Zee, Delta, and Deflecta-Sheld. Crossbed boxes are available in aluminum, steel, and plastic. They can also be bought as a low profile box, which is not as tall as a standard crossbed box. The low profile box allows better visibility through the rear window, and a less obvious look to your truck bed.

If you'd like your crossbed box to be easily removable, there's some new products that can make that happen. There are some new manufacturers that make truck boxes on a rail system so you can slide your crossbed box from the front to the rear of your bed. There are also installation systems that allow you to easily fasten your box to the truck bed, so you won't need a single tool to remove it.

Whatever style you choose, make sure to look for the best deal. Don't forget the shipping costs either. Some online retailers have free shipping for any of their truck boxes. Freight charges will apply to any truck box purchase without free shipping, so look for free shipping before you buy.

Travis Richmond created his websit http://www.truck-tool-box-directoy.com over a year ago. He's a mechanic, truck enthusiast, and avid off roader. Andra Blog44132
Ara Blog86025

Safeguard Your Assets In A Divorce

When going through a divorce it is very important to protect your assets. It is possible for an unsuspecting spouse to find on top of everything else, bank accounts were raided, stocks sold and insurance policies cashed.

If you are a woman going through a divorce try to have joint liquid accounts transferred to your name. You may have to get your husband to sign documents but some banks just need one party to do this.

The process is not so simple with assets such as stocks, mutual funds, bonds and other investments. Usually it is necessary to have both signatures to liquidate these assets, but, if you have signed a power of attorney in the past or if your husbands new girlfriend tries to sign up in your place, you may in trouble. To combat these circumstances, make sure all institutions are aware you are going through a divorce and ask them to check for identification before accepting a transaction.

One bad scenario would be if your husband runs off with a cash value of a life insurance policy. In this case, to protect yourself try to get that policy in your name. Sometimes the courts would require a husband to keep up the policy while you are separated. Another way to safeguard the assets is to keep track of account numbers and balances. Make copies for your attorney too. A wife should know what a husbands pension looks like. Knowledge is power. At the very least, this would reduce some anxiety around an already stressful situation.

The safeguarding goes both ways though. At this stage assets should be considered money you intend to protect until it can be divided equitably. However if you need to take out some money to pay for another marital asset like your home or child support then make sure your attorney understands the situation and has an account of it.

Abby Johnson is a staff writer at http://www.legal-journal.com and is an occasional contributor to several other websites, including http://www.lifestylegazette.com.Angelika Blog90562
Audre Blog80301

Fix it and Flip it - How I Lost Money on Real Estate

I've known a lot of people who have lost money when they sold their homes. In fact, I'm one of those people, and it's happened to me more than once.

There are a number of factors can cause a financial loss when you sell your house, including the need to sell at the wrong time due to divorce or an impending foreclosure, or a downturn in the local real estate market. However, it's also common to lose money simply by making too many expensive changes to the house before putting it on the market. This is how I lost money on real estate, before I wised up.

My most resounding failure in the fix it and flip it market was a house I bought in Spokane, Washington. Knowing what I know now, I would have restricted myself to replacing the carpets and the kitchen and bathroom fixtures, painting inside and out, and buying new appliances. I probably would have replaced the old-style windows, too, to make the place look nicer and appeal to the energy-conscious buyer. These fixes could have been done easily within the two years I needed to live there to avoid capital gains taxes.

Since I didn't know what I know now, I made major renovations, which included moving the bathroom. I did most of the work myself, but the materials alone cost more than I could get back when the house was sold. With the exception of repairs done to the house to make it eligible for an FHA loan and watering the grass, I doubt that any of my major projects really helped me sell the house or increased its value.

If a house is actually sound, with no structural damage or insect problems, the biggest reason it will sell for less than its worth is usually cosmetic. This was certainly true of the house I bought in Spokane. Dirty carpeting, and a wall in the living room covered with mirror tiles, kept most buyers from going any further into the house. I could see past the cosmetic problems and see the home's full potential - but my imagination went a bit too far.

The floor plan was odd, and slightly inconvenient, but leaving the bathroom where it was would have been far more rational, financially. Why didn't I do that? Because my emotions and my nesting instincts took over, pushing aside all thought of future gain or loss.

Let's face it - most people don't buy their own homes with the intention of making a profit, although they certainly hope the house will be a good investment. In fact, the emotional stress caused by the process of buying a house and moving into it can be enough to completely erase any thought of moving again a few years later. However, I know several families who have made a very good living by buying underpriced homes, living in them and fixing them up, and then selling them when the IRS will allow them to do so without paying extra taxes. Clearly, these folks don't make any changes to these houses without carefully considering the bottom line.

After my Spokane adventure, I decided to learn from my mistakes, and find out how to stop losing money on houses. I read books by authors who are experienced in fixing and flipping houses - and then read them again. When I saw that most remodeling projects almost never recoup their costs when the house is sold, I was a little shocked, because I had been guilty of almost every mistake on the list at one time or another. I know many people who have also made the same mistakes, even when they started those remodeling projects with the intention of increasing the value of their homes.

When I bought my next house, I kept that list very firmly in mind. For instance, my kitchen was badly in need of a major overhaul, (or so I believed), and it was far too small. I pored over the latest home decorating magazines, and ideas came flooding into my head. I thought about knocking out some walls, and I even tried to imagine adding on to the house to make the kitchen bigger. New cabinets would be needed, and new appliances...

In the end I painted the kitchen cabinets and replaced the sink with a new one I purchased at Ikea. I covered the chipped orange Formica counters with printed cotton fabric, and coated it with many layers of water-based Verathane that was intended to protect wood floors. The complete "remodel" cost less than $400, as opposed to the thousands of dollars that I would have spent if I followed through on my idle dreams of a "perfect" kitchen. Since the house sold at a very good price within two weeks of listing it, my buyer obviously didn't mind that the kitchen didn't meet my idea of perfect. Because I kept my costs down, I made a handy profit on the sale.

Would I have been able to sell the house for more money if the kitchen had been remodeled and expanded? Perhaps, but not enough to cover the cost of the remodel. Although the National Association of Realtors lists a kitchen remodel as one of the projects that will increase a house the most, they still advise that you should expect to get back only 80% of the costs. If your new kitchen is far fancier, bigger, and more expensive than any other kitchen in the neighborhood, the returns will be even less. A full kitchen remodel can cost thousands of dollars, so the 20% you don't get back can be a big chunk of change.

Does this mean that you shouldn't make changes to your home that would make you happy? Not at all, especially if you intend to live there for many years. But it does pay to sit down with your spouse or partner before you start making your remodeling plans, determine exactly how long you'll be staying in the home, and then think about the full financial implications of the remodeling project. Even if you don't think of yourself as a professional house flipper, it might pay to slow down a bit and find ways to improve the home without spending money you'll never see again. As a bonus, your family might be able to avoid the stress and disruption of all that remodeling mess.

Jonni Good is the author of a new report that shows how she used these fix it and flip it ideas - and how the profit allowed her to buy her next house with cash. Visit - http://www.BuyAHouseWithCash.comAtlanta Blog83706
Audre Blog54617

Do You Have Real Control Of Your Business?

As I have seen over the years the workings of companies large and small I have always been surprised at how few CEOs and MDs really get their monthly reporting information set up to help them run and have control of the business. So heres my check list on what I believe you need do:

To run your business effectively it is essential that you have the right financial and other key performance indicators provided to you regularly and you need to remember that (regardless of what others may think) this information is there simply to help you run the business.

You must therefore ensure you get it in a format, a level of detail and using terminology that you are happy with.

Accountants, just like most professions, make their activities appear more complex and difficult to understand than necessary - I think it must be some form of self-preservation activity that we all have!

So let's start with the terminology:

Each of these terms mean exactly the same thing:

orders = bookings
order book = backlog
backlog = overdue orders = back orders
sales = revenues = turnover
cost of goods sold = cost of sales
gross profit = trading profit = contribution
operating profit = trading profit = PBIT = EBIT = surplus = EBITDA(sometimes)
earnings(sometimes) = EBT = PBT = net profit
debtors = receivables
creditors = payables
stock = inventory(sometimes)
cash = liquidity
work in progress = work in process

- and there are many more*

So you need to get in your helicopter and take control youre the boss. Decide which accounting terminology (finance-speak) you wish to adopt and then make everyone, including your auditors, stick with that in everything you, and they, do.

The next thing you need to be clear about is the information you need and the way in which you want it to be presented.

All the figures you see in a set of accounts are, by definition, historical but what you need to do, of course, is look to the future. Running a business successfully is much more about looking at trends rather than absolute figures and you need to track key financial information month on month, year on year and against budget to really see the direction the business is going in.
It is so easy to get bogged down in the detailed numbers and miss the big picture and Ive actually seen this more with Corporates than with SMEs.

I worked for Burmah Oil at one time and their monthly reporting packs and annual budget packs were up to 50 pages long! and were not drawn up in any way to help the CEO run the business. When I was at BTR, however, the reverse was true. They had the most outstanding monthly reporting pack I have come across it was never more than ten pages and the first page summary gave you an instant overview of the business from which you could then go further into any areas of concern. Ive since used that format in many companies and if youd like a copy just drop me an email at roger@rogerharrop.com

So what information do you need on this front summary sheet?

Start with whats most important - Profit that is if your purpose in some way involves profitable growth.
If youre in the type of business where there is a time lag between receiving the order and the sale taking place then you need Order Input as this is the very first indication you get of whats going on in the business.
Also have Order Book so you can see what youve got to go at.
ROS (Return on Sales) see later
Depending on the business, one or two balance sheet items always including Receivables.
Cash Flow is very important
People Numbers
one or two non-financial ratios which are relevant to your business for example OTIF (delivery on time in full) and maybe a quality, customer satisfaction, service level or health and safety measure.

That information alone shown month on month, tracked against last year and your budget should give you sufficient trend indications to see instantly the health of the business and how things are going.

Next I have always found the need to get in the helicopter and look at the big picture more with financial information than probably any other area of the business.

Along those lines, I would strongly recommend that you draw up a simple helicopter P&L account with only those 7 elements shown below whenever you are looking a budget - be it your own, or one that, maybe, a subsidiary company is putting forward to you for approval, or indeed merely to compare year on year performance:

If you're in a manufacturing business then as likely as not you will have some element of labour and factory overhead taken into your product costing and your gross margin calculation and I find whenever comparing year on year this can really make true comparisons difficult. So if you have such a business you will need to have a further line included above of labour, overhead and materials going into or coming out of stock (just one figure) to complete the P&L statement.

If your purpose, like many businesses, includes sustained profitable growth then a key performance indicator is ROS (Return On Sales). This is PBIT as a percentage of sales and what you are seeking to ensure is that not only your absolute profit figure increases year on year but also that your ROS also improves every single year.

For that to happen, of course, one or more of the P&L elements below the sales level in the P&L must be reducing as a percentage of sales.

The key ratios therefore you should look at in the above P&L when comparing, say, a budget for next year with forecast performance for the current year are simply the individual line ratios against sales - because only by each of those reducing can the ROS increase - it really is that simple!

Weve concentrated so far mainly on the P&L but, of course, businesses go bust because of a lack of cash not a lack of profit.

Control of working capital (essentially receivables, payables and inventory) is very important for you to monitor.

You should regularly look at receivables days and inventory days (where appropriate) and have a discipline of doing regular cash flow forecasting -which really isn't hard to do with a reasonable degree of accuracy no matter your business.

You may by now be saying to yourself that you can really rely on your Accountant or your Finance Director or Controller (depending upon the size of your business) to do all the above analyse and monitoring for you and you should not need to worry about this.

Please do not make that assumption - it's very dangerous. It's your job to run the business, and that means that its your job to keep a grip on the key numbers and trends.

* Before writing this article I put this list to about a dozen financial people around the world. I received back from a number of them some very pedantic statements that I was wrong and that certain terms were definitely not equivalent and had quite different meanings. The problem was, however, not all this pedantic statements agreed with each other!

© 2006 Roger HarropAdelind Blog58430
Ailey Blog57895

Article Marketing - Compelling Articles Improve Web Site Promotion

Promoting articles that relate to the content of your website can be a terrific way to advance your search engine rankings and surge traffic. Unfortunately, poorly written articles end up buried in the article directory junkyards getting restricted visibility. On the other hand, compelling articles retain visibility, expand your online visibility and considerably elevate your back link popularity. Read on to learn how you can write more motivating articles.

There is a huge demand for key phrase relevant and rich content by other webmasters that creates a tremendous opportunity for you to promote your web site. You can capitalize on this demand, by writing short articles that relate to your web site content and promoting those articles on article repositories. As your articles proliferate, article promotion establishes you as an specialist in the field. More importantly, it places your one-way link into the article directory site and every other site that publishes your content. This proliferation will strengthen your search engine ranking and also generate organic traffic that is not dependant on the search engines.

No matter what your article is about, as a writer you must captivate the reader. Remember, you are publishing articles to promote your website and get one-way back links. With a poorly written article youll get back links from the article repositories you submit to, but youll miss out on the key benefit to writing articles. The key goal is to get publishers and webmasters to use your content; not just to get your article listed in the repositories. You want your articles to proliferate. Only then, will your embedded links get intense exposure.

The Style - The number of web masters that will use your content is affected by your writing style. Let's look at this from two perspectives - do's and don'ts. Your writing style should be conversational; try to talk directly to the reader. Vary your sentence structure. Occasional rhythmic pauses give an opportunity to reflect. Write concisely and use common words. Be creative. On the flip side, always proofread. Spelling and grammatical errors turn people off. Better yet, have someone else proofread for you. To boost your writing skills, read more. As you read, focus on the writer's style. Learn from good authors.

The Hook - The most imperative part of your article is the title; it will make or break your article. If you want to entice a reader to read the first paragraph, you must pull them in with the title. Most writers don't take the time to write good titles. This could be due to laziness or simply a lack of expertise. It really is quite simple. Treat your title like a headline. Be creative. Use a catchy keyword rich phrase that aligns with the content of your website. Believe it or not, your title will determine how much traffic your article will get back to your website.

The Angle - Select a topic you are passionate about that relates to your website. Your excitement for the topic will show through in the content. Develop an idea around the topic, but with a different spin. Lead off with this angle. Intrigue the reader. Once you have his/her attention, expand on your angle. Explain how your angle benefits the reader or solves a problem they face. Loosely speaking, this is your value proposition. Underscore how your article is different than other articles on the topic. This entices people to read the second paragraph. Use the remainder of the article to expand your key points.

The Close - Your final paragraph should emphasize what the reader should do after reading your article. This paragraph should summarize your article and build a bridge to the resource box. The resource box is usually the only place you can place a link to your web site. You need to entice the reader to follow that link. You can do this by stressing your competence on the subject matter, providing the opportunity for more advice or both. To learn how to do this effectively, review other articles by other authors and adapt a style that appeals to you.

The motivation of this article is to offer suggestions on writing compelling content. An article written for the web should be informative and hold the reader's attention. To do this it should be relevant to the title, well written and contain at least some essential facts not readily available to the reader. Find an angle on your subject matter and focus on developing it in your article. Don't write articles just to promote your resource box. Your content will suffer and the article will probably be of little interest to anyone.

Marcus Pore is article directory webmaster who encourages you improve your web site promotion efforts through article marketing. Learn more about this key search engine optimization strategy and promote your articles at:Ariel Blog79043
Arlinda Blog80560

If You Are So Smart Why Aren't You Rich?

It isn't easy to face the truth, isn't it? And you've heard it before, the truth shall set you free! Do you have friends who talk a lot and everything you tried to tell them, they will say "I know" and you know that they don't have much money in the bank and is struggling day to day and month to month! The truth hurts and it really helps if you are willing to face the truth.

This question: "If you're so smart, why aren't you rich?" applies to people who are not willing to face the truth and admit that for things to change they must change. This question will help lots of people if they are honest with themselves.

I first got to know this question on a convention trip in Hawaii where I was introduced to my Chairman's mentor who willingly shared with us tips on achieving success. One effective way he is able to get people to think is to ask them if they have any plans for their retirement. Over 95% of people do not have plans for retirement! He would also ask them if he can speak to them like a brother and sometimes would ask this thought provoking question: "If you're so smart why aren't you rich?"

Riches come in different forms, most people's idea of riches is to own a big beautiful waterfront house, luxurious cars and enjoy the lifestyle of the rich and famous. You can feel rich and be happy if you have enough to pay all your bills with much left which means you are enjoying positive cash flow! You will also feel rich if you have enough to last you for the rest of your life without working, you don't really need to have a big house with a swimming pool and big cars and expensive watches and jewelry to be considered rich?

There are many rich people who are miserable and not happy at all and that is not being truly rich! So being rich can be very subjective but most people will agree that you must have positive cash flow, enough in assets to last you for the rest of your life without working and being happy, living a meaningful life and making a positive difference to people's lives!

I've attended a world famous personal development program called Money & YOU and one of the popular teachings is "The highest form of leverage is...EDUCATION" How much have you invested in educating yourself on personal development and business? Jay Abraham, the world renowned marketing genius, and my marketing guru, has constantly taught his students that marketing can give you great leverage and returns of thousands of percent!

It is obvious that if you want to be rich, you must do what the rich people are doing! Successful people are willing to share how they achieve their wealth and there are no secrets. There are lots of books written on creating wealth and lots of information is freely available from the Internet.

This year I invested over $10,000 to learn more about internet marketing, you must be willing to invest before you can create wealth.

There are no short cuts, you must invest time, money and effort if you are serious about creating wealth! I happily invested $3,995 to learn from Jay Abraham about marketing at his 3-day billion dollar marketing weekend. And there were over 500 people from China, Taiwan, Malaysia, Indonesia, Hong Kong and Singapore attending this special marketing seminar. And many of the participants were millionaires, CEOs, and top executives. This clearly shows that successful people are constantly investing in themselves.

Here's a great marketing tip for you, it is not how much you put into your business, it is how much your return on investment that you should focus on! If every $100 worth of advertisement gives you a $200 profit can you afford to keep on advertising it again and again? Of course, you will want to do it again and again because you have created a positive cashflow of $100 each time you place an advertisement!

There are literally thousands of people worldwide making decent part-time income through AdWords on the Internet, and it is a good start to generate your seed money for creating wealth! Do you believe you can make money from a 25 cent advertisment? Yes, you can if you have the knowledge on how to do it! Again, do not expect to achieve riches in a very short time, it does take time and for a few special ones it may take months and for most people it probably take years! It all depends on your burning desire and your commitment to creating wealth so that you can enjoy a better lifestyle!

For more information on how you can start on your road to riches with AdWords, go to:

http://www.AdwordsMarketingTips.com

Feel free to use this article on your website or ezine as long as the following information about author/website is included.

Bruce Seah is a Marketing Consultant and has been in internet marketing since 1999. Visit my website: http://www.BusinessAtAClick.comAiley Blog57895
Aggi Blog56821

2 Ways to Create Online Marketing Business Opportunity & Start Earning Huge Money Online Now

Now, I am going to give you 2 ways to create online marketing business opportunity & start earning huge money online now. Youll discover the real home based business opportunity in this article. I am sure that those two ways have been workable and proven to the success in the past. Also, I strongly believe that they can be workable and success in the future for your home based online business.

READ THIS: If you are truly serious about home based online business and are looking for the real home based business opportunity.

Within this article on creating online marketing homeworker business opportunities, we'll look at ways that you are able to build your home based online business through online marketing. There are many different ways that you can go around this so we will look at a couple of very good and low-cost ways to do this.

One of the best ways that you're able to market online at a low cost is through giveaways. You can do this in many different approaches but one the best ways is to go to free forums and post that you have free giveaways at your website. You will want your giveaway item to be very low cost. By keeping costs low, you can post to these forums on a regular basis and receive steady traffic which can help you build your website. You'll be generating a great deal of traffic for yourself at a very low cost. There are many different ways to run a sweepstakes or a giveaways contest but many websites will have giveaways pursuant upon the fact that you sign up for their newsletter. Make sure that the people who sign up are ones that you want to target because your newsletter can be your greatest source of marketing.

This is an extremely powerful way to create your reputation and build your opt-in list dramatically. Look at what Google does in the past! They give people to use their service for FREE to build up their reputation, brands, and creditability. Once people are using Google search engine and familiar with Google, they dont want to change to other search engines for their search any more. Giving away method is a great way to build peoples familiar!

Another great way that you can drive about more laser-targeted traffic to your website is through Adwords campaign (Adwords is a kind of Pay-Per-Click campaign). Adwords is a form of advertising that is run by Google where you are allowed to bid on certain keywords that people search for. You can run your marketing using a budget and you'll know that you're getting the target audience that you want towards your website. One of the ways that you can work at saving and maintaining a budget using Adwords is to log into your Google account every day to see how much it is costing you to use your keywords. By looking at how much it costs for keywords, you can make sure that your marketing budget is right on track with what you should be. You can also get an idea as to trends developing with the costs of Adwords.

My experiences show that you have to learn and know exactly how to make profits online through Pay-Per-Click campaign or Adwords. Without the appropriate knowledge, you can lose a huge of money online overnight! I highly recommend you to learn steps-by-steps of how to build highly profitable Pay-Per-Click (PPC) campaign or Adwords campaign before you enter into the PPC world.

Hopefully this article on creating online marketing business opportunities will help you out. The first part of this article focused on online marketing homeworker business opportunities and how to build your online business. A different angle on creating online marketing homeworker business opportunities is spotlighted now. There is a great deal of unused advertising out there which could be bought up at discounts on what online advertising firms normally charge. If you were able to find a great deal of this unused advertising and buy it at a discount, you could resell it to other companies looking to put more of their advertising out online and charge them a higher price. This is often known as advertising arbitrage where you buy the ad spots at a discount and then resell them at a slightly higher price but making sure that the people who ultimately by your ads are getting a very good discount. All parties win in this particular engagement. This gives you something to think about the next time that you see empty spaces on a website's home page.

Finally, I highly encourage you to start your own online business with the above two strategies right now. Also, I highly recommend you to learn everything you have to know for building your highly profitable successful home based internet marketing business.

Learn now about how to build and grow your home based internet marketing business from scratch at: http://www.zMakeMoney.com/blog and http://www.zMillionDollars.com/blog! Youll learn exactly proven success from highly successful internet entrepreneur.

Siripong R. or zMillionDollars is a recognized authority on the subject of making money online from home through highly profitable & successful home based business. His websites, http://www.zMakeMoney.com and http://www.zMillionDollars.com, provide a wealth of informative articles and resources on everything you'll ever need to know about earning money online.Alyson Blog60850
Allys Blog15947