Picking the best casinos

Best Casinos is dedicated to providing the internet gambler with quality gambling information. Our goal is to provide you with 100% exciting casino entertainment and the best odds. The game rules and payouts are incredible and compare with the finest gaming establishments worldwide. All games were designed to be fun and rewarding in accordance with the traditional Las Vegas, Nevada games. Quality means, games you can trust, software that is reliable, casinos that offer the finest customer service and support.

If you like gambling for pleasure, but do not live near a casino, you have been deprived of one of life's little pleasures. Each time you felt like rolling the dice, playing the slots or competing in blackjack you had to travel and arrange accommodations. All of which takes time and money. The Internet is changing all of this. Now, with a simple click of the mouse you can enter extraordinary casinos. You can even enter national lotteries from around the world. Internet gaming establishments are operating in more than thirty countries...from Antigua and Australia to Trinidad and Venezuela. And, your computer can take you there. No travel arrangements, no costly accommodations.

Top online casinos have been around for several years now, but how do you find an honest casino you can trust that offer the best odds. Although you should perform your own due diligence in finding an online casino that is both reputable and customer service oriented, Best Casinos – Best Casinos Gambling Directory has taken much of the leg work out by selecting the best casinos in the industry.

These are the points to follow when picking the best casinos in the online gambling industry:

1. They have several years of successful operation. The casino has a reputation that has been proven over time and not in claims in their advertisements.

2. They have convenient the rapid availability of funds. They have speedy transfers and offer same day payouts.

3. They have first rate customer service. They treat clients with respect and resolve disputes in a consistent and fair manner. They have professional, courteous, English speaking staff, as well as customer friendly policies.

4. They have the latest computer technology. The speed of final results posted, and the accuracy of the bet taking should be important features in the casino you choose.

5. They have Las Vegas style rules and regulations. Be sure to check the fine print on promotions, propositions, and other wagers.

6. Check on negative reports from industry watchdogs. You can look at reports of problem companies from the Offshore Gaming Association (OSGA. com).

7. The casino offers good bonuses and incentives to sign up. Most casinos offer bonuses when you sign up the first time. Be careful for the casinos that offer the unbelievable bonus deals. They may not be able to stay around for the long haul.

8. The casino has available management. The general manager or other management people are available for you to talk to. They have enough clerks and supervisors working during the busy periods.

9. The hours of operation are flexible. The best casinos are open seven days a week, 365 days a year, 24 hours a day.

10. The casino is legal in the country of operation. You want to be sure that the online casino is operating in a legal jurisdiction so you can have some recourse. Look for casinos that are members of Offshore Gaming Association (OSGA) or any other reputable association.

Choosing the right debt consolidation company

Thinking of consolidating your way back to financial stability? Your first step should be to look for the right debt consolidation company.

If you want to get your finances straight and be back in the stable financial path through debt consolidation, it is very important that you choose the right company. It is only a good consolidation company which will be able to understand your situation, improve your finances and have the ability to truly help you with your financial mess.

What is most important with choosing a good company to consolidate your debts with is doing your own research. There are a wide number of companies out there insisting that they offer the best deals in the market. Take note that no one can really tell which one is best except you. It is then your responsibility to make the right choice by comparing the services and rates being offered by the different companies in your area.

What factors must you consider when choosing a debt consolidation company? Well, first of all, you should find one that has a good track record. You can ask trusted friends or family who has had the same experience. You can also visit online forums as there are quite a number who share their debt consolidation experience online. Once you already have options in mind, your next step is to inquire and ask questions. You should be looking into companies who are ready to answer your questions with care and concern. Ask about their business history, how long they have been in the business, customer feedback and referrals, and so on. It is also a good idea to check with your local Better Business Bureau to see whether there are complaints lodged against them. If you choose your company online, make sure they actually have a physical address and verify by personally visiting them at least once.

Needless to say, you should get a debt consolidation company whose rates are within reasonable range and are within your budget. You wouldn't want to consolidate your debts and end up in more debt. If the rates in the market are too high, you may want to consider non-profit organizations instead. You have to be forewarned against companies who charge you without even asking about your current financial situation and your particular needs. Remember that a reliable debt consolidation company will never charge you anything to check your current condition and suggest you some programs which may solve your financial problems. Reputable companies also do not charge you for quotes that are most suitable for you. This can actually be advantageous on your part when shopping around for a good company.

The best thing for you to do is to find a company that will be able to give you a tailor-made debt consolidation program which will meet your needs and be within your financial means. Try to look around for as many reliable companies as you can, then narrow your choices down to one which you think is the best and most reasonable choice. Once you have chosen your company, maximize their services and work with them. Remember that debt consolidation is an excellent way to straighten all your financial problems, but it can only work if you make the right decisions before plunging in.

Internet and business online a step toward independence

The diversification found among many businesses is having an effect on the public at large and the result is entrepreneurial diversification.

General stores of a bygone era have been replaced with general stores of a super-sized variety. Stores the size of football fields (and sometimes bigger) are in line to furnish you with virtually everything you can imagine – all under the comfort of one roof.

Within one store you might find a car repair department, lawn and garden, one or more eating choices, eye care, photography shop, hair stylist department and the list goes on.

You can buy new floor mats for your vehicle along with a carton of milk. You can purchase slippers and a new TV. Retail has managed extreme diversification and the success of these stores may be having a profound impact on individuals wondering if the same principles could be applied to the advancements of personal wealth management.

This desire expresses itself in a number of ways not the least of which is affiliate marketing sites that allow an individual to gain revenue from embedded links in a dedicate affiliate site. This is a hands-free and low-cost way to explore the potential of residual income.

This diversification can also be seen in a reseller of product scenario. Essentially this type of site would be dedicated to the idea of being an online distributor for a popular product. This scenario may not be much different than an affiliate revenue site except that the site owner works at both the purchase and distribution of product instead of simply sending an individual to another site while earning a commission. This concept has both additional potential risk and reward.

Diversification can also be seen in those who develop a small online business that co-exists with a traditional fulltime job. These types of businesses are becoming more common because they can allow a potentially healthier revenue stream without respect to location. It allows those who like the security of a traditional job the opportunity to develop their own business interest that does not compete with their regular employer because the online business caters to a global market.

There may come a time when one or a combination of multiple diversified online businesses can prove strong enough to allow an individual to make a break from a traditional job to concentrate more fully on an Internet business.

Certainly there are some individuals that make a clean break from their traditional jobs in favor of a sink or swim scenario in online business, but many businesses are the natural outgrowth of a business that grew up under the part time care of an Internet business owner.

Online business owners are often diversified with multiple websites that carry different products and are cross promoted through banner advertising and links throughout the chain of personal business websites.

The approach of a fairly safe affiliate revenue site using web-building software can be a positive first step toward the diversification in business that can lead to a step away from 9-5 and a step toward entrepreneurial independence.

Reason to stop smoking by nguang nguek fluek

Everybody knows that smoking is a nasty habit. The most ridiculous fact, however, is that even smokers do know how dangerous smoking is. If you are one of these people, trying to suicide themselves with cigarettes than it is about time to find a good reason to stop smoking. Here are three reasons to stop smoking, hope you like and bound yourself to one and really do it.

Smoking ruins your health and appearance

It is a well-known fact that smoking is very dangerous to your heath let alone how bad imprints it can leave to your overall appearance. Smokers are prone to all kinds of cancer much more than non-smokers. Despite cancer, smokers are much suppler to all kind of health problems such as chronic respiratory diseases, heart disorders and stomach problems. On the top if all this, smokers look older than they actually are, their skin has an unhealthy grayish look, their hair and nails are weak. There should be at least one reason to stop smoking here, right?

Children

Regardless your gender and regardless the fact if you have children already or you are planning to have at some point in the future, you should know that smoking is bad either ways.

Parents ruin their children’s life and health because they turn them into second hand smokers. Even if you do not smoke in the same areas where your children are, the smoke and the smell are still there.

People who are not parents yet are also threaten by smoking. Smoking is very dangerous for both men and women as their reproduction ability is greatly reduced. Women who smoke tend to have unhealthy babies and in the worst-case scenario, babies with inborn diseases.

Feeling comfortable ruining your life? Well, that is your choice, but it is clear that your loved ones should not suffer and let them be your top reason to stop smoking.

Social restrictions

There are quite a lot of limitations for smokers nowadays. Most people do not tolerate this habit and tend to avoid smokers. Moreover, almost all of the social places (bars, restaurants, cinemas, etc) are prohibited for smokers. You may be refused a dream job just because of your terrible habit. You can even be refused an apartment rental just because your smoking will ruin the property. There should be at least one reason to stop smoking.

The list can go on forever. He three reasons to stop smoking above are among the most important ones so they should be enough to push you leave the cigarettes behind. And remember - cessation process is hard so anytime you feel discouraged, read the list again and you will feel your power revived and your desire to quit - freshened.

Little-known way to save money on your car oil

Imagine if you could save anywhere from $10 to $20 dollars on your usually very expensive oil change doing something very simple. Interested?

Here’s how: Every 3000 miles completely drain out and replace the oil in your vehicle… by yourself! Just by doing this, you can save anywhere from $10-$20 dollars on your oil change. Below are the steps you can take to drain your car oil:

Note that when changing the oil on your car you need to prepare with some supplies. You will need the following: Jack, the correct size wrench or ratchet, oil filter, oil, short bucket, rag, funnel, and a big piece of cardboard.

Start by warming up your vehicle. Drive around the block once or twice, which will heat up your engine a little bit. A vital part to changing oil. The oil must first be warmed up otherwise you will have trouble getting it out. Then, jack up your vehicle, being sure to follow all safety precautions. Make sure to find a strong point on the bottom of your vehicle before jacking it up. An axle is the best place. After making sure everything is secure you are ready to get down and start the dirty work.

The first thing to do is to drain out all the old oil. Look under your vehicle and locate the oil drain, which is usually one of the only 'plugs' in view. Generally this plug will be located right around the middle of the engine.

Then, place your big piece of card board under the vehicle, which will keep you off the ground and also serve to catch any oil that drips. Grab your short bucket or container and place it under the vehicle, just below the oil plug. Once the bucket is in place take your wrench or ratchet and unscrew the oil plug slowly, letting the oil drain.

Give the oil time to drain into the bucket, waiting till it comes out in slow drops. Then, carefully unscrew the oil filter. As you remove the filter, a short stream of oil may come out. Be sure to catch this in the bucket while not burning yourself. After you have drained all the oil out of your engine you will need to replace the plug and add the new oil filter. Once you've finished that, be sure to clean up any messes that were made with your cleaning rag.

When you’re done cleaning up, you can start putting in new oil! Find out how many liters of oil your vehicle takes and pour it in with the funnel through the spout labeled for oil on top of your engine, beneath the hood of your vehicle. Use the dipstick to check and make sure the oil level is high enough. Once the tank is full put all caps back on and close the hood.

Be sure to properly dispose of all the old oil and the oil filter. And guess what? You’ve just saved $10-$20 by changing your car oil yourself… and it doesn’t seem too hard, right?

Makeup for acne scars where effective cosmetic products camouflage scars not your life

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Are you dropping out of society due to experiencing scars after acne breakouts? Are you searching for quality makeup for acne scars to help you blend your skin imperfections, and to also eliminate any future blemishes?

If your answer is yes to the questions above, then let me help you find the best cosmetic scar treatments that will allow you to get back out into the world, and enjoy your life the way you deserve to!

Nowadays, there are many advanced makeup products such as camouflage makeup specially designed for scars, and are widely offered by professional online skincare suppliers. These special skin products help you positively conceal such physical imperfections, such as scars, hyper pigmentation, rosacea, burns, and dark freckles to name a few.

If you happen to suffer from any of these conditions listed above, you’re not alone, and this is why quality acne cosmetics and scar treatments have been designed specially for you to help you in your current condition.

Now You Can Get The Scar Coverage You Need, Custom Made For You!

With treatment makeup, many of these uniquely designed scar products give you a large array of colors to choose from, helping match your skin tone perfectly, thus offering you that custom looking facial skin color blend. You pick 2-3 shades, and unify these colors together for that natural cosmetics look, and quality finishing touch!

The specially created Camouflage makeup products are made with mineral pigments that are fragrance and oil free, so it does not irritate your skin. The best thing is that the finish looks flawless, and your complexion will have virtually no signs of visible acne scars.

Don’t ever think that you’re the only one that has facial scars in this world! You would be surprised and amazed on how many of your favorite celebrities, and athletes have the same scar condition as you. This is the main reason why top quality scar cosmetics have been created, and when you’re under the camera and public microscope, these stars don’t want to take any chances of exposing their skin condition to their fans.

With that in mind, you can now take advantage of these quality skincare makeup products as well, and you don’t have to settle for the over-the-counter generic items that give you that caked on look, and do not properly blend away your scars. In most cases these retail products end up enhancing the look of your scar, rather than blending them.

You may notice that the prices on these products are a little higher than your retail store generic makeup products, but when you actually try them, you will understand why, and also realize that these uniquely designed scar care makeup items easily available to you online, are created for you in mind, and will eventually allow you to get your life back, by feeling comfortable in the public eye again!

Nine kickass ways to burn the flab in seven days

1. Holistic Fitness is crucial: Keep your overall fitness in mind instead of just one facet of it. Realize that there are four major aspects that one work on: aerobic fitness, endurance and muscle strength, body composition and flexibility. Develop and build upon each of these every training day.

2. Focus on the sport’s objectives: Hone parts of the body which is most used for your primary activity activity. If you play soccer you would want to hammer on endurance, and if you compete at karate you might rather focus on strength training.

3. Tag your girlfriend: Chugging along on the fitness train is simpler when you work with someone. Misery loves company as we know. Draw upon your girlfriend’s enthusiasm when yours is running low. You’ll perk up all the more as she depends on you to motivate her. But before you bring her, ensure that she shares the same goals as yourself.

4. Bring the tape: No, not the VHS, you lazy lump! The measuring tape. Take stock of your stats, including your arms, chest, waist, thighs and wherever else that you are trying to make sexier. Get a habit out of re-measuring once a week. As you admire some measurable results, you motivate yourself all the more!

5. Bring in the Goals: Jot attainable short and long term goals for yourself! Don’t just hit the homerun and pat yourself on the back once you reach them. No, I want you to break all stops and reward yourself with something special! But please, don’t make the reward something that will be detrimental to your goals, such as chugging down beers or popping tarts into that gut. Make your goals reachable. Set goals that are challenging but not depressing.

6. Time to commit: Set holy appointments with yourself. Can the excuses as to why you can’t workout. Jot them on your calendar, highlight them and draw all manner of motivational pix next to them. Stick with it! Respect this time for yourself and let others know about it. When someone asks you out for coffee let them know your workout dates, and ask them to join you. This way people will know that during that time you are unavailable. The moment you accept gut – swelling coffee outs, you will postpone future workouts.

7. Reach out and streeeetch: Stretching exercises make any workout easier - it floods your body with happy chemicals like endorphins. Take care to stretch before a workout and afterwards as well.

8. Your Personal Space: Where you run the gauntlet is just as important as what you do. Ensure that you are comfortable and enervated in your chosen workout place. Good places include TV magazines and music. Keep water and fruit bowls within reach. How many times have you used getting drinks as an excuse to stop cardio?

9. Please the lenses: What can be more motivating than before and after shots of people who have lost weight or built muscle? Sheer eye-candy! Now what if photos were of you? You see yourself everyday and sometimes it is easy to forget the old you. Take those photos right now and look at them often. Looking at the before photos and looking in the mirror is not enough. Take after photos every week.

The new melting pot

The term 'melting pot' refers to the idea that societies formed by people of different cultures and religions will produce new social and cultural forms, where these cultures lose their individual characteristics to some degree. So the 'ingredients' in the pot fuse and create a completely new product. Nowadays this term is commonly used – sometimes not correctly. Scientifics and demographers agree that 'melting pot' does not accurately describe Americans’ national identity. Bill Frey, American demographer divides the country into three regions, and he labels only one region 'Melting Pot'.

The history of the melting pot theory originates from the time of the first immigration wave. The United States was imagined not only as the land of opportunity but as a society where individuals of all (European) nations are melted into a new race of men. Later, in 1908, I. srael Zangwill used the term as a title for his production - a vision of America as an Eden where all ethnicities and cultures melted happily into a harmonious whole. From that time, the term became widespread.

But today, it seems that the United States is not a melting pot, but rather a 'salad bowl' or a 'mosaic'. Different ethnicities and groups keep their discrete identities, while maintaining relations among each other.

The country has regional characteristics. These regions are being shaped by different immigration and domestic migration flows. 'While it is true that America is becoming more racially and ethnically diverse, this diversity is hardly spread evenly across the country' – alleges Frey.

According to his new division (the three regions), the Melting Pot consists of Alaska, California, Florida, Hawaii, Illinois, New Jersey, New York, New Mexico and Texas. These states are home to 74% of the nation's combined Hispanic and Asian populations but only 41% of its total population. Most immigrants cluster into several, mostly coastal metropolitan areas: New York, Los Angeles, San Diego, San Francisco, Miami, etc. The overwhelming majority of immigrants come from Asia and Latin America – Mexico, the Central American countries, the Philippines, Korea, and Southeast Asia.

There is a relatively new immigration policy that emphasizes family reunification and encourages migration to occur in chains, connecting co – nationals at both origin and destination. That new policy, a response to charges that the law favored white Europeans, allowed immigrants already living in the United States to bring over their relatives, who in turn could bring over more relatives. As a result, America has been absorbing as many as 1 million newcomers a year, to the point that now almost 1 in every 10 residents is foreign born.

This 'new' melting pot is not mainly a melting pot of Whites, what's more, it's losing Whites. 'These losses are occurring in both the central cities, and suburban communities and reflect a flight from urbanism more than a flight from diversity' – said Frey.

Census 2000 shows that 'migration paths' are changing and different relations have evolved among ethnics. The original theory of melting pot is outdated and does not exactly describe Americans’ national identity. Today, there is more emphasis on preserving one's ethnic identity and cultural roots than melt into a unity.

Surviving suvanrabhumi

Suvanrabhumi International Airport in Bangkok is one of the newest airports to be built. It replaced the old Don Muang Airport after it put in about 50 years of service.

Don Muang (or Mueang under the current, new spelling) is still operational and handles primarily domestic flights in and around Thailand. It isn’t maintained as well as it used to be, but it is still functional. The airline code changed for Don Muang from BKK to DMK.

Suvanrabhumi International Airport (BKK) is a marvelous architectural work of glass and steel. It is absolutely enormous and stunning. When you arrive and head for Immigration, you will be amazed at the structure and the beautiful works of art that grace the hallways.

You will also be amazed at how far it is from your gate until you finally reach the Immigration officers. You will walk and walk, or take the horizontal escalator, and it will seem like miles and miles until you finally reach the booth where you can show your passport and be allowed into the country. Don’t forget to smile for the camera.

Once you clear Immigration the next step is to locate your luggage. Immediately after you get through Immigration, you will see a big sign that displays all of the airline logos, flight numbers, and what carousel your bags are on.

You need to check this, as there are about 30 different places your suitcases could be. Find the correct carousel first and then look for your bags.

Your bags should be waiting for you, since it took so long to hike from the arrival gate to Immigration. Usually they are spinning around and waiting for you.

Once you claim your bags, find the "Nothing to Declare" line and exit into a sea of arrival signs and taxi mafia personnel with clipboards touting fares to any city or location in the country.

Fight your way through the horde and make a right turn and head for the down escalator. Once you are on the first floor, exit and head for the official taxi stand. This is a good place to grab a cigarette if you are a smoker.

Tell the girl where you are going and you will have a taxi in a matter of seconds and be on your way to your hotel in Bangkok or Pattaya or wherever else it is that you are going.

Depending on where you are going and the time of day, it can take anywhere from 30 minutes to 2 hours to get to a hotel in Bangkok. Usually, I plan for an hour and hope for the best.

Suvarnabhumi can be a bit daunting to the first time arrival in Bangkok and even for old hands who have been to Don Muang numerous times. The good thing is that there are signs easily visible and in English that will guide you right along. The bad thing is that you will walk and walk and walk. But, who cares? You have finally arrived in Bangkok.

Aggression when another dog invades her space

Dear Adam,

Hi, I have a 3 year-old Australian Cattle Dog. She is a wonderfully obedient dog, canine good citizen certified and everything. She is very obedient and good natured to people, however she is very dominant when it comes to other dogs. Recently I have been having problems with her snapping at other dogs if they come up to her while she is on a leash. This is not a problem if I tell her to sit and the other dog stays a normal distance away. She doesn't like dogs invading her space and standing over her (she is only 35 pounds, so most dogs tower over her). I call it her "Napoleon Complex". I tried to work on the problem by putting a muzzle on her and setting up situations so I can correct her, but she realizes that she is in no position to show the other dog who is boss while muzzled and refrains. We have recently started therapy dog training classes, which she is doing very well in.

Like I said she is a perfect angel around people. In a therapy situation she is unlikely to encourage other dogs on or off leash who will be allowed to be in a position close enough to upset her, however, if some instance did occur, I would feel uncomfortable with her snapping at another dog. In most instances, I can prevent a situation where she would be tempted to snap from occurring, however, there are some instances that can't be avoided. Do you have any suggestions? I'm debating whether I should discontinue her therapy dog classes.

Thank You,

Katie

Dear Katie,

This is really more of a handler sigue. It's your responsibility to NOT LET other dogs invade her space. Now, you can correct her for the aggression - but at the same time, you must show her that she can trust you, and that you will not let strange dogs from another pack wonder up and get in her face. This is the job of the pack leader - to protect the pack. And you're not doing your job by letting strangers off the street walk up and get too close. I would recommend a walking stick or a stun gun.

As for the therapy dog training - I would recommend that you continue, but without seeing the dog in person, this will ultimately be a judgement call which you must make for yourself and your dog.

That's all for now, folks!

Adam

How to stop your cat scratching and ruining your furniture

It's natural for cats to scratch but often it destroys your good furniture. Thankfully there are some things that you can do to relieve the problem.

Many people watch in sadness as their cat destroys virtually everything that he can get his claws into. You can improve this behavior. To do so, you need to know why he is doing what he is doing.

Why Scratching?

Cats were hunters. They needed those sharp teeth to help them to climb trees and to leap down on their prey. Although your cat is not likely to be pouncing on their dinner anymore, they still instinctively need to sharpen their claws and that is exactly what they are doing on your furniture. The scratching that they do is a way of trimming their nails and it removes the old outer part of the claws. Another reason they are ruining your home is because they know it to be their territory. They release a scent from special glands in their paws which helps them mark the area as theirs. They also do it because they are working the kinks out of their body as well as burning some energy.

Before you head off to have him de clawed, you may want to try out some of the alternative methods of preventing the scratching.

Alternatives

One way is to provide them with scratching pads or posts. There are a wide variety of them available including those that are part of a cat condo. You can even make your own by using two foot high section of a four by four, two foot by two foot piece of heavy plywood and a carpet remnant. When you have one of these, take it and put it right next to his favorite piece of furniture to destroy. Then, gradually move it away from the furniture as he gets accustomed to it.

You can also use a pet repellant spray such as Bitter Apple on the furniture that the pet is clawing at. Take the time to test the spray on a non visible area of the furniture before using it though. Or if you do not want to spray the furniture, then cover the material with aluminum foil or tape that is placed sticky side up. The cat will not like the material and will turn to the scratching post instead.

The Last Resort

Some cats just can’t seem to stop. For these, de-clawing becomes the best option. If your cat stays indoors, you can have their claws removed. There are some risks involved and the procedure can be painful for him. Those who would like to avoid this like to use nail caps instead. These are applied as false nails would be to the cat’s nail.

If your cat is a scratcher, do what you can to stop him before you have him de-clawed. If this becomes the best option though, it may be better than having your furniture torn up!

I hope that some of these simple tips help you save your furniture from cat attack without stopping you cat from enjoying life.

Should you not sell your home as a fsbo

Selling your home yourself can save you thousands of dollars in commissions. However, that doesn’t mean you should necessarily do it for the following reasons:

Demanding Work

Selling your home yourself is demanding. What if you spend enormous amounts of time, energy, and concentration in your business or profession? What if you have to travel a lot? Entertain a lot? Invest long hours? Do a great deal of study reading just to stay as good at your work tomorrow as you were today? People whose work life includes those sorts of demands probably don’t need another project that requires time and attention.

My suggestion is that if your work is exhilarating, challenging, and consumes large amounts of time, you will probably be better off working with a Realtor. Take the time when you first put your home on the market to interview an agent or two. Ask how they market their listings. Ask if they keep their clients informed about the status of their property’s marketing. Ask for references. When you find one you feel can and will do a good job for you, sign a listing agreement. A good agent can give you sound advice and save you a ton of time.

Inexperience

You are probably a good candidate for working with an agent if you have never bought or sold a home before. The same thing is true if it has been a number of years since the last time you bought or sold. Ditto if you have not bought or sold a home in this part of the county before. People who work for settlement agents, lenders, and the like are probably exceptions to these general ideas about who shouldn’t go FSBO. You can get experience if you work in the industry without actually buying or selling your own home frequently.

Older people are usually better off working with an agent. A typical situation is that they have owned their home for a number of years. The home has appreciated – often more than the owner realizes. The owner now wants to buy something all on one level in a community in which the exterior and grounds maintenance chores are handled by an association. They need to sell one home and buy another. It’s often also desirable if they can add to their savings from the sale, and have the operating expenses of the new home be lower than the old. The idea of making a big change and the multiplicity of accompanying concerns is daunting. A good agent can make a world of difference.

If either of these situations describe you or your situation, going FSBO is probably not for you.

Cut a big chunk out of your wedding expenses with cheap groomsmen gifts

You’re about to have the wedding of your dreams. It doesn’t come cheap. After all, no expense should be spared for the perfect white dress and shoes, the matching platinum rings, the gala reception, the flower arrangments, videos and photographs, the wedding giveaways, and even the 6-tiered wedding cake. Unfortunately, your pocket book is becoming alarmingly lighter by the minute. So in order to spend for the things you really want, you’ll have to think about cutting back on the things you only kind of want.

Think Twice and Cut Back

Indeed, cutting back on your wedding expenses seems like a good idea. But like all good ideas, it’s easier said than done. Being a bride, you want everything to be perfect no matter what the cost is. All reason flies out the window - and for good reason.

If you stop, take a deep breath, and put things in perspective, however, you’ll realize that this isn’t a good way to do things. After all, though your wedding might not be like any other day, it’s still just one day. You don’t want to spend your entire savings for just this one day and end up with hardly any money to start your life together as a couple. That’s not a good way to start a marriage, and it definitely doesn’t put you on the road to happily-ever-after.

Cut Where Nobody Notices

The average bride can indeed be unreasonable when it comes to her wedding. But that doesn’t mean you should be, even if you can get away with it. Though you may not want to spare any expense on your dress or the reception, you can cut back on minor things, like the wedding giveaways, table centerpieces, or even cheap groomsmen gifts.

Don’t feel bad about getting cheap groomsmen gifts. Your groomsmen are a handful of your and your fiance’s closest family and friends. They’ll definitely understand why you’re giving them cheap groomsmen gifts. In fact, they might even expect it.

Cheap Can Be Chic

Breathe easy. Cheap groomsmen gifts aren’t as bad as you think. Just because they’re cheap, doesn’t mean they’re tacky. You can put your genius to good use by picking cheap groomsmen gifts that are still tasteful and elegant.

Simplicity is the key. Contrary to what you may think, men aren’t that hard to please. You can find many sophisticated items as cheap groomsmen gifts. Consider cufflinks, liquor flasks, cigarette lighters, and wallets. They’re functional, and with your impeccable taste, you’re sure to find elegant sophistication under $50.

With that taken care of, you can then spare no expense for your dream wedding dress with the excellent beadwork. The money you saved from buying cheap groomsmen gifts can be used to purchase more flowers or add more desserts for your guests. You can probably even add another tier on your cake. Indeed, by cutting back on some of your wedding expenses, you’ll be able to splurge on the things that really matter – and have more than enough left over to live happily ever after.

Make sure you get your birthday party known with a screen printed t-shirt

Everyone knows that if you want to get your birthday party known, you must send out invitations. Whether you are looking to have a small intimate gathering or a huge bash, invitations are essential to getting the word out when and where the party will be. But why not mix things up a little bit and send your invites on custom screen printed t-shirts.

Using a tee shirt as an invitation is a creative way to make sure your birthday party is the best of the year. And invited guest will know you mean business with lots of fun. Simple invitations by cards are boring, repetitive, and far from unique. Nobody saves invitations by card, but sending out an invitation that is on a tee shirt gives all of the guests a souvenir.

Aside from being a very unique and exciting invite, it can also allow you to set up what type of event will entail. With basic invitations it is hard to fit in everything that will take place. Typically there is only room for the time, date and location of the party. But on the unique invitation, there is much more room to fit all of the details on the shirt.

If you are going to have a band, put on the screen printing tee shirt who will be performing. If there will be a barbecue and games, entice people to come with these details. But most importantly, make sure that it is known that you are the birthday girl or birthday boy and this is a special day that you deserve.

Tee shirts also allow you to be far more creative than a simple invitation by card. If there is going to be a band performing at your birthday party, put a picture of the band on the shirt with their logo. If you are looking to have a beach themed party, create a shirt full of color with palm trees and waves to create the fun.

You probably think that having custom tee shirts made just for a birthday party is going to be expensive, but that is where you are wrong. Screen printing tee shirts are extremely cheap at cheaptees. org and are less expensive the more you purchase. It is a deal that nobody can pass up making it a no brainer decision to send off your very own birthday invitations on a tee shirt.

How often do you receive birthday invites on tee shirts? Probably never. And that is exactly why you want to make your birthday one to remember with a custom tee shirt invitation.

Treatment for high blood pressure

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Blood pressure is the force of the blood pushing against the walls of the arteries. Each time the heart beats, it pumps blood through the arteries. Your blood pressure is at its highest when the heart beats, forcing blood into the arteries. This is called systolic pressure. When the heart is at rest, between beats, your blood pressure falls. This is the diastolic pressure. Blood pressure is always given as two numbers, the systolic and diastolic pressures. Both are important.

The systolic pressure is the first or top number, and the diastolic pressure is the second or bottom number (for example, 120/80). If your blood pressure is 120/80, you say that it is "120 over 80".

It is important to take steps to keep your blood pressure under control. The treatment goal is to keep blood pressure below 140/90, or even lower for people with other conditions, such as diabetes and kidney disease.

Adopting healthy lifestyle habits is an essential and effective first step in both preventing and controlling high blood pressure. However, if lifestyle changes alone are not effective in keeping your pressure controlled, it may be necessary to take blood pressure medications.

The following types of medications are available to treat high blood pressure:
1. Diuretics: Diuretics are sometimes called water pills because they work in the kidney and flush excess water and sodium from the body, lowering blood pressure.
2. Beta-blockers: Beta-blockers reduce nerve impulses to the heart and blood vessels. This makes the heart beat slower and with less force. As a result of these drugs, the blood pressure drops and the heart works less hard.
3. ACE inhibitors: Angiotensin converting enzyme (ACE) inhibitors prevent the formation of a hormone called angiotensin II, which normally causes blood vessels to narrow. The ACE inhibitors cause the vessels to relax and blood pressure goes down.
4. Angiotensin antagonists: Angiotensin antagonists shield blood vessels from angiotensin II. As a result, the vessels become wider and blood pressure goes down.
5. Calcium channel blockers (CCBs): CCBs keep calcium from entering the muscle cells of the heart and blood vessels. This causes the blood vessels to relax and pressure goes down.
6. Alpha-blockers: Alpha-blockers reduce nerve impulses to blood vessels, which allows blood to pass more easily, causing the blood pressure to go down.
7. Alpha-beta-blockers: Alpha-beta-blockers work the same way as alpha-blockers but also slow the heartbeat, as beta-blockers do. As a result of using these drugs, less blood is pumped through the vessels and the blood pressure goes down.
8. Nervous system inhibitors: Nervous system inhibitors relax blood vessels by controlling nerve impulses, and this causes the blood vessels to become wider and the blood pressure to go down.
9. Vasodilators: Vasodilators directly open blood vessels by relaxing the muscles in the vessel walls, causing the blood pressure to go down.

To find out if you have high blood pressure consult your doctor and have a blood pressure test. The test is quick and painless.

To determine which life style changes and medications are appropriate, consult your doctor.

Guide to Blood Pressure, low and high blood pressure and treatment.

What are specialty insurance policies

There are many types of insurance available. Home owner's insurance, automobile insurance, life insurance, to name just three, but there are also specialty insurance policies available that some consumers may find very useful. This article will examine some of the more common types of specialty insurance.

In simple terms, specialty insurance is exactly what it sounds like. It is insurance that is purchased for items that are special or unique. It is also used to provide protection for items that might otherwise be protected under another policy but are not protected because of some unusual aspect. For example, a diamond necklace might be protected under the home owner's insurance policy but what if the necklace is with you while you are traveling and it is stolen or broken? A specialty insurance policy on the necklace (and only on the necklace) can provide the protection that you need for that item no matter where you are.

Specialty insurance policies are not available with all insurance carriers and that means that you may have to do some research in order to find the best carrier for the item that you wish to insure. Lloyd's of London is an example of a famous specialty insurance carrier who (it is reputed) will insure anything as long as the insured is willing to pay the price. Other, less famous, carriers are available, but you will probably have to search for them. This can be done online, if you wish.

Another way to find reputable insurance carriers is to ask the people from which you bought the item. In the necklace example above, you might want to ask the jeweler with whom he does business with. Chances are good these vendors will have some contacts that you can explore.

Specialty items that you might want to consider insuring include such things as: exotic animals, artwork, coin collections, antique watches or other time pieces, collectable automobiles, various pieces of jewelry, historical documents, antique furniture pieces, rare books, and any other unique item or items that you may have.

One reason many consumers and collectors use specialty insurance policies is when the item insured is worth more than the location where it is stored. For example, assume you have a home owner's insurance policy that covers one million dollars of damages. Let's further assume that you have a famous piece of art that has been appraised at three million dollars. The artwork could be covered under the home owner's insurance but there would be a substantial problem should the home burn down and the artwork is lost in the fire. The one million dollars recovered through the insurance would need to be used to replace the home and the furnishings, and would not come close to being enough to pay for the lost art.

By having a separate policy on the artwork, a policy that better reflects the high value of the piece, the home owner is better able to recoup his or her losses.

Specialty insurance is not as expensive as many people believe it to be. When the amount of loss is considered, it can actually be a great value in terms of replacement as well as in terms of emotional comfort. Knowing your unique items are insured can go a long way in relieving stress.

How to choose the best mortgage

A mortgage is a financial investment which involves a large amount of money, and it is important for you to do your research before deciding which company you want to go with. While many mortgage professionals are honest, they are looking for a large commission in helping you obtain a loan, and will often look out for the best interests of their job rather than you. Because of this it is important to take the steps necessary to insure you get the best possible deal.

How Is Your Credit?

The first thing you should do before applying for a mortgage loan is to review your credit report. Errors on your credit history can lead to an increase on the interest rate and cost of the mortgage. This is something you want to avoid. It is also important to understand the terms used in the agreement.

Which Type Of Mortgage?

You should know what type of mortgage you are applying for and how it fits in with your financial goals. Do you want a mortgage with an interest rate which fluctuates, or would you rather have one that is fixed?

Which Mortgage Company?

This is one of the questions you will need to answer when choosing which mortgage company you want to use. You should also know how much money you need to borrow and how much you can afford to pay each month. If there are certain things you don't understand, you should consult a professional. There are many counseling services which are available to assist you. Like any financial expense which involves large amounts of money, you should shop around to find the best service.

Adding Up All The Costs

Many different companies will have a variety of different closing costs and interest rates. Your goal should be to find the company which offers the best service for the lowest price. Some lenders will try to estimate the cost of the closing, and this is something you don't want. You want the exact prices, not estimates. If the company can't give you the exact cost of all the fees up front, it would probably best for you to take your business some place else.

You Can Always Walk Away

It is also important to make sure you aren't pressured into signing any agreements. Be wary of any lenders who try to get you to borrow more money than you need. If they try to pressure into getting the loan, this generally means they are more concerned with making money than helping you get the best mortgage. Companies like this should be avoided. If you don't understand certain terms of the agreement, ask that a copy be made of it so that it can be reviewed with a lawyer before choosing to sign it.

Honesty Is The Only Way

Never put false information on your loan application, even if the loan officer urges you to do so. Loan officers who do this should be reported to the FTC. It is also a good idea to avoid purchasing credit insurance which is not necessary. If you feel that you need insurance, contact other companies other than your lender to see what deals they offer. At the closing you should make sure you carefully read the document before signing it. Don't let anyone rush you into signing it without reading.

If you find that the terms of the agreement have changed, you should have not problem terminating the deal. You don't want to sign a document which will put you in a financial strain later on. A mortgage is one of the most important parts of your personal finance, and you can't afford to deal with a unethical lender. Making a mistake when choosing a mortgage can lead to years of financial headaches if you work with a lender who doesn't have your best interests in mind.

Is it bad breath or gall bladder disease

Could your bad breath be a sign of gall bladder disease?

Sometimes a particularly strong case of bad breath can really signal another ailment. While the average case of bad breath usually arises from conditions within the mouth, especially offensive or unusual-smelling bad breath may warrant further investigation.

How can your gall bladder relate to bad breath? Your gall bladder produces strong digestive juices, which empty into your stomach. When the gall bladder builds up mineral stones, the bile ducts can become blocked. Infection and great discomfort can result, causing a number of unpleasant symptoms, such as fleeting pain, nausea and even vomiting, especially after eating a fatty meal. Another possible telltale effect of gall bladder blockage is bad breath.

If you are experiencing abdominal trouble and you suspect your bad breath may be a sign of greater trouble ahead, compare your symptoms to these warning signs of gall bladder disease.

Internal symptoms of gall bladder disease:

1. Agonizing pain in the upper right abdomen -- especially after a heavy meal. The pain can last from minutes to hours.

2. Sudden fever.

3. Nausea and/or vomiting.

4. Clay-colored stools. The lighter color results from insufficient bile (that is, blocked gall bladder ducts).

Outward signs of gall bladder disease:

1. Excessively bad breath.

2. Itchy skin rashes.

3. A white-coated tongue.

4. Offensive body odor and yellowish skin.

5. Yellow, discolored eyes, and dark circles beneath the eyes.

If you are experiencing any combination of these symptoms, it's time to consult with your physician.

Bad breath by itself does not mean you have gall bladder disease -- it's uncommon for bad breath to arise from anything other than poor oral hygiene. However, if your bad breath is particularly offensive, and coupled with some of the more noticeable signs of gall bladder disease, especially excruciating abdominal pain, further testing is called for. Ask your physician to diagnose whether it's simply bad breath -- or something more serious, like gall bladder disease.

Are cash advance loans right for you

Cash advance loans are small, unsecured personal loans for amounts ranging from $100 to $1,500. Generally, the company making a cash advance loan only requires proof of employment and/or income and a bank account as verification of your ability to repay the loan. The loans are short-term – most require repayment in full in one lump sum within two weeks. The repayment method varies. Most often, the cash advance company requires that you give them a post-dated check or agree to an EFT transfer for the amount of the loan plus their finance fee on a specified date.

According to several recent surveys of people who use cash advance loans, the typical user is young, educated and has a full-time job. The general reasons for applying for cash advance loans are to meet unexpected financial needs (a car that needs servicing, or medical expenses not covered by insurance, for example), or to take advantage of an opportunity that they can’t afford ‘this month’, but which won’t exist next month. Are cash advance loans the right choice for you?

For most people, cash advance loans are a convenient short-term financial management solution that can help them avoid bounced check fees, late payment charges, higher interest rates and bad credit ratings.

When you’re considering a cash advance loan, there are some important facts to keep in mind.

· Cash advance loans allow you to meet unexpected financial obligations without involving revolving debt and months of payments.

· Cash advance loans are not meant to be a way of regularly managing your budget. If you’re using cash advance loans to meet your monthly expenses every month, you should work with a credit counselor to help you manage your money and deal with your debts.

· Cash advance loans are meant to be used once in a while to get you through a financial crisis. If you use them repeatedly, you could be digging yourself deeper into debt.

Using Cash Advance Loans Responsibly

Cash advance loans can get you through sticky financial times. Just like any other kind of debt though, you can end up digging yourself deeper into debt if you rely on them to manage your budget regularly. Here are some guidelines for managing your credit and cash advance loans responsibly from a major provider of cash advance loans.

· Review your account status with your cash advance loans provider regularly so that you know exactly how much and how often you’re borrowing from them.

· Are there alternative sources of credit available to you for a particular need? For instance, does your bank offer overdraft protection for a small fee? If so, you can reduce your reliance on cash advance loans.

· Are you taking out a cash advance loan immediately after paying one off? Some payday loan providers impose limits on how many consecutive loans you can take out. If you find yourself unable to meet your regular expenses on an ongoing basis, cash advance loans may not be the right solution for you.

If you find yourself using cash advance loans on a regular basis just to get from one payday to the next when you haven’t had an unusual emergency financial situation, a credit counselor can help you straighten out your finances. If, on the other hand, you have a short-term pressing need for an advance on your paycheck, then cash advance loans are the way to go.

Tips on how to sail alone on a cruise

Getting away from it all sometimes means traveling alone in order to enjoy peace and quiet. If you have a busy lifestyle and you want to not have to speak to anyone for a few days or a week, taking a cruise by yourself is one way to do this. While you may meet people once aboard, you have the option to sit in your cabin, on the deck, dine alone or with the group, or you can find fun activities to participate in at nighttime. Thos e who travel alone on a cruise usually find ways to balance their social interaction and their need for some quiet, private time.

When travelling alone, it is important to keep an open mind about meeting new people. If you can afford to pay for a private cabin, you will be able to find peace during the day. There are many activities to do aboard a cruise ship. Many cruises stop in port cities where you will be able to leave the ship and visit shops, restaurants, and other tourist attractions. While you will be around people, you do not necessarily have to travel with them, which can give you more freedom to choose where you want to go and how long you want to spend there.

If you don’t want to travel alone, but you want to have quiet time during the cruise, ask a friend or family member who may want the same to join you. Cabins are less expensive when they are shared, so you will be able to save money and still enjoy private time. Not everyone wants their privacy, however, so be sure to choose a person who is capable of meeting people on their own and interacting with others when on the cruise. If you want to share your cabin with a stranger, you have the option to do so.

When travelling alone, you will be able to make all the decisions concerning the trip yourself. You get to choose the type of cruise you want to go on, how long you want to travel, and which activities you want to participate in. There are cooking classes, dances, formal dinners, day spas, sporting activities, gyms, pools, and much more that will keep you busy. Even if you want to just sit on a deck chair and read a book, you will be able to do so without being bothered by the daily stresses of your life.

If you have never travelled alone before or you think it will not be as much fun, try it and see. You will be able to meet new friends aboard the ship if you get lonely, and the time will pass by very quickly once you are aboard. Many people travel alone when on a cruise because they want to meet new people. Take the opportunity to sail the ocean by yourself and enjoy the many sights and people you will see and meet along the way.

How to cope with flight delays part 2

If the problem is with local weather or air traffic control, all flights will probably be late and there is not much you or the airline can do to speed up your departure. If there is a mechanical problem with the plane for your particular flight or if the crew is delayed on an incoming flight, you might be better off trying to arrange another flight, as long as you do not have to pay a penalty or higher fare for changing your reservations. (It is sometimes easier to make such arrangements from a pay phone or cell phone than at a ticket counter.)

If you find a flight on another airline, ask the first airline to endorse your ticket to the new carrier, which could save you a fare increase. Remember, however, that there is no rule requiring an airline to do this. If you are using an electronic ticket, you will probably have to get paper documentation issued before it can be endorsed to another carrier.

If your flight is canceled, most airlines will rebook you on their next flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Finding extra seats may be difficult, however, especially over holidays and other peak travel times. You may also demand a refund for a canceled flight.

Each airline has its own policies about what it will do for delayed passengers waiting at the airport. There are no federal requirements regarding these amenities or services. If you are delayed, ask the airline staff if they will pay for meals or phone calls. Some do not provide any amenities to stranded passengers. Others may not offer amenities if bad weather or something else beyond the airline’s control causes the delay.

Before you book your flight, you may wish to check the web sites of the larger carriers for their voluntary Customer Service Plans, which list the amenities that those airlines will provide to passengers. Links to those web sites appear on the web site of the Department’s Aviation Consumer Protection Division at.

Contrary to the belief of some, airlines are not required to compensate passengers for “damages” when flights are delayed or canceled. Compensation is required by law only when you are “bumped” from a flight that is oversold.

Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight. If the purpose of your trip is to close a potentially lucrative business deal, to give a speech or lecture, to attend a family function, or to be present at any time-sensitive event, you might want to allow a little extra time and take an earlier flight. In other words, airline delays and cancellations are not unusual, and defensive planning is a good idea when time is your most important consideration.

Modern materials in hubcaps and wheel covers

Our father’s and grandfathers’ wheel covers were gleaming orbs of chrome plated steel, glittering wire spoke patterns, or flat chrome Frisbee look-alikes. Before 1980, chrome plated steel was the only material light and strong enough to do the job. Unfortunately, plated steel thin and light enough for hubcaps was easily dented, and if scratched or driven in winter, i. e., in salt conditions, was likely to rust.

ABS plastic (Acrylonitrile-Butadiene-Styrene) was introduced as a standard material in plumbing pipe in the 1970s, and became the universal material in hubcaps by the mid 1980s. ABS has the attributes of rigidity, strength, and high resistance to salt, chemicals, heat, cold, pressure, and impact. It has excellent resistance to breaking, scratching and chipping, even at low temperatures.

Parts made of ABS plastic weigh only a fraction of their steel counterparts. They can be painted or chrome plated to produce a range of visual effects. Scratches or dings on the surface of plastic are stable, and look the same years later as they did the day the scratch occurred. Whereas, when chrome plated steel is scratched, it will then rust. These qualities make ABS plastic an ideal material for hubcaps, wheel covers, and many other automotive parts.

Today, nearly all wheel covers for passenger vehicles, including original equipment and aftermarket replicas, are made of ABS plastic. In fact, the majority of non-structural auto trim items, including company logos, lettering, grills, cowlings, bumpers, frames, light reflectors, bezels, etc, have been made of (chromed) plastic for nearly 20 years.

One category of modern hubcaps still made of metal is known as ‘Wheel Simulators’, which are made of highly polished stainless steel. Wheel simulators are designed primarily for the larger wheels supporting heavy utility vehicles, dual wheel trucks and RVs. A few models are available for single wheel trucks and trailers. ‘Simulators’ are so named because they look like, but they are much less expensive than, chrome plated wheels. Further, stainless steel is highly corrosion resistant, which can not be said for chrome plated wheels.

Why preventive care is important in a healthcare plan provider

More and more progressive healthcare plan providers are offering patients preventive care options. This helps offset the number one concern of most consumers – cost.

When shopping for health insurance or any sort of healthcare plan, most consumers seek to protect themselves and their families from the potentially disastrous cost of major illness and hospitalization. Hence, preventive care is often an overlooked benefit that many consumers may not give sufficient consideration.

Following are some benefits of preventive care that you should consider when looking for a health insurance or a healthcare plan.

What is Preventive Healthcare?

A broad definition of preventive healthcare is “measures taken to identify life-threatening illnesses or habits with an eye towards curing, modifying and preventing them.” In other words, preventive care can be anything that helps you stave off illness and live a healthier lifestyle.

Why Preventive Healthcare is Important

Preventive healthcare is important for three reasons:

Early Detection Saves Lives: This is perhaps the most important reason to look for a healthcare plan that offers some measure of preventive healthcare options.

Annual mammograms, pap smears and colon-cancer screenings are all examples of preventive measures that help to save lives. Many life-threatening illnesses have silent symptoms. They only way to detect them is through some type of early detection test.

Take heart disease, for example. The American Heart Association estimates that roughly half of all deaths from this disease are sudden and unexpected. When you consider the great strides that have been made over the last 25 years in preventing and treating this disease, early detection can make all the difference in how well you will survive a heart attack, or whether you will even have one at all.

With illnesses like this, preventive care takes advantage of the advances in medical technology, detecting problems – or assessing the likelihood of problems – before they become life-threatening illnesses.

Modifying Behavior Leads to a Healthier Life: Preventive healthcare encourages many to lead healthier lifestyles. Getting regular exercise is one of the easiest things anyone can do to achieve overall better health. Many healthcare providers encourage this by offering discounts on gym memberships, yoga classes and other types of regular workout programs.

Another popular lifestyle change program that providers encourage is a smoking cessation program. Cigarettes are extremely addicting, and many smokers try for years to quite before they succeed. The benefits of quitting can prevent many healthcare problems, from lung cancer and heart disease, to stroke and heart attack, to many respiratory illnesses.

As the ultimate goal of all preventive care is to help patients live longer, healthier lives, amenities like this are natural offerings by healthcare plan providers.

Preventive Healthcare Saves Money: Preventive healthcare allows policy holders to get the most value for their healthcare dollars. This is because preventive care is usually much less expensive than treating a disease down the road.

To encourage this, comprehensive information is needed to make informed decisions. Forward-thinking healthcare providers offer members integrated solutions, like up-to-the-minute health information, medical alerts, drug recalls, wellness assessments and more.

This puts the information that members need right at their fingertips, allowing them to be an active participant in their ongoing healthcare.

Preventive care helps people to actively manage their overall healthcare. By encouraging regular checkups, regular screenings and an overall healthier lifestyle, individuals maintain better overall health, feel better, and minimize their health care costs throughout their lifetimes.

Fair trade fundraisers

Organizations everywhere are starting to see the benefits of staging certain types of fundraisers. As you may have discovered through trial-and-error, some fundraisers are simply more successful than others. We all want to raise as much money as we can for our respective organizations, but there are times when we ought to give pause to other considerations.

Coffee fundraisers have been massively successful in the United States and beyond. It should come as no surprise, mind you. Everyone loves coffee, especially really good coffee. It is estimated that over 200 million people in the United States alone drink coffee on a daily basis. At approximately one dollar per cup, you can imagine how staggering the profits can be. Organizations have an excellent opportunity to tap into this market, and to brew up massive revenues for their respective ventures.

The difficult part of doing coffee fundraisers, is convincing people to compromise their morning coffee routines. It may sound absurd, but many people feel very passionately about the coffee they drink. From what I have been told by some of our readers, Canadians are absolutely fanatic about Tim Horton's coffee. The challenge for people involved in fundraising, is to convince people to try something new. We have to appeal to their thoughtful side. It is for charity, after all.

One of our friends has had tremendous success by putting a new twist on the traditional coffee fundraiser. Instead of offering people unimpressive gift boxes of coffee, why not consider selling bags of Fair Trade Coffee? If you are not aware of the Fair Trade movement, you should be. It is essentially an effort to ensure that farmers in developing countries are properly compensated for their labor and their products. The movement also tries to address issues regarding the environmental impact of certain farming practices, as well as local economic sustainability.

There is a significant percentage of the population in America that truly cares about what is happening in the world today. The environmental movement has been going strong for decades now, and people have become both active and aware of the issues that affect citizens in America and beyond. These conditions create a wonderful opportunity for fundraisers, as we can give people an opportunity to support two wonderful causes; the Fair Trade movement and your organization! Let your conscience guide you in your fundraising efforts, and help make trade fair.

State arrest records finding criminal arrest records of anyone

State Arrest: Why Conduct Free Criminal Records and Background Checks?

"Nothing Changes Until Something Moves" and it's YOUR MOVE! You Have Nothing To Loose If You Take Appropriate Action... And Everything To Loose If You Don't.. Now; almost all state or county and federal courts maintain their own set of criminal records online. Failure to make a special appeal when slapped with a DUI arrest leads to the instant seizure of the driver's license for a minimum of 6 months.

Finding the Truth with Online Arrest Records

However in many online criminal records the only information available is the name of defendant case number and date. If you want to get public criminal State Arrest records requests for free - you must be one of the eligible agencies. A diverse medium the Internet offers several web portals to tons of public State Arrest record information which can help you with your free online searches for criminal records.

Preventing DUI Accidents..

Many effective strategies have implemented by the state in order to prevent DUI accidents. A criminal record search is the process of collecting and accessing criminal records or arrest records and background information on certain persons either through online providers or through local courthouses. Just a note here about your fears: In the face of fear there is no knowledge. In the face of knowledge there is no fear.

Finding Arrest Records on Federal Levels

Private citizens and firms may not have any access to federal criminal State Arrest records. Even though anyone can access arrest records but it should never be any generalizations made regarding the reputation or the character of a person based solely on an arrest record. Find out more about checking up on arrest records at governmentrecord. info/criminal-arrest-records-search/index. html

Do Not Lose Your Cool When You Are Arrested!

If you are arrested by the cops; do attempt to stay calm and try to only speak to the police officer in a respectful polite manner and tone of voice. The arresting polic may even ask further information about you that may incriminate you later. It is the responsibility of the state government usually a law enforcement agency to keep the criminal State Arrest records of each of its citizens updated and accurate.

Acne skin treatments

Before you visit a dermatologist, there is much that you can do for your acne skin. Of course, remember that what works for someone else may not always work for you. Everyone's skin is different in the first place and the cause of acne may not also be the same.

You can always start off by using over the counter medications to treat your acne. If your skin is sensitive or prone to drying, use a mild cleanser or soap. You may have to experiment with different cleansers in order to find one that does not irritate or exacerbate your acne.

Wash your face once or twice daily but do not scrub or rub excessively. Avoid touching your face as your hands may have a lot of bacteria. Also if you find that a certain food may be contributing to your acne, stop consuming the food and see what happens.

When using make-up, read the labels and purchase products labeled non-acnegenic, non-comedogenic, and hypoallergenic. These products are formulated so as not to irritate even the most sensitive skin. Avoid sharing make-up with others, and always use clean washcloths, towels, and make-up sponges or other instruments to avoid transferring germs to your face.

If you're interested in creating acne skin treatment from kitchen ingredients, you are not alone. Many recipes have been in use for many years. Again, everyone reacts differently to the same treatment, but these home remedies are useful for those who are suffering from mild acne. The following are three recipes that you can easily follow.

Baking soda scrub: Making a baking soda scrub is easy to use, and many have reported successful results from its use. This scrub is designed to exfoliate your skin. Exfoliation is key in treating acne; since it focuses on removing dead skin cells that can get trapped in your pores and then manifest themselves as acne. First, mix a small amount of baking soda (a teaspoon will probably be enough) with water to create a consistent paste. Very gently, massage the baking soda scrub onto your skin. Leave it on for approximately one minute, then rinse clean with lukewarm review. Use a clean towel to pat your face dry.

Another popular home treatment uses apple cider vinegar. Apple cider vinegar has long been lauded for its health benefits, including acne. Some claim that apple cider vinegar has the ability to rid your skin of bacteria, balance your skin's pH level, and keep your face fresh and free of excessive oil. Apple cider vinegar is also high in citric acid, which is a strong exfoliating ingredient that can help remove excess dead skin cells and improve your skin's overall texture and tone. To use, simply dilute the apple cider vinegar, one part vinegar to eight parts water. If possible, use high quality apple cider vinegar and purified water. To use, wet a cotton ball with your apple cider vinegar mix and gently moisten your skin. Don't overdo it. Apple cider vinegar is strong stuff that can dry out your skin, resulting in even more breakouts.

Egg whites, rich in protein and vitamins, have also been a favorite healing ingredient. Egg whites have long been used to help tone and tighten skin. Simply beat two egg whites together to a consistent froth. Apply the mixture to your face and let sit for about fifteen minutes. Rinse the egg off with lukewarm water.

Of course, it is always best to treat your acne while it is still mild. Still, if your efforts to clear up your skin using over the counter medications do not seem to work and your acne is getting out of control, make an appointment to visit a dermatologist. Your dermatologist is likely to prescribe you with anti-acne oral or topical agents.

Unsecured unemployed loan surviving when you have lost the security of job

When a person becomes jobless little does he realize that many other people become jobless with them – namely their family members. You had plans for them and there with one change they have come to a stand still. This is the power unemployment imposes on a person. If you are unemployed you still have an opportunity called loans. When a person is rendered unemployed he is a little wary with placing his possession as security. This is natural and a decision well make keeping in mind the dicey financial situation. If you still haven’t built a home for yourself then it becomes doubly hard for you don’t have a home for support. Unsecured unemployment loans can help surviving both short and long term unemployment. Unemployed homeowners have equal options with unsecured loans for unemployed. However, a very competitive loan market has opened flexible terms which transmutes unsecured unemployed loan to fit in the financial status of unemployed.

Usually an unemployed is concerned with repayment of loan. Equally concerned is the lender. An unemployed loan lender will of course be looking for loan repayment sources in unsecured loan application. Of course you are not offering security so alternative forms of repayment become more important. For an unemployed the alternative form of repayment will be income support, benefits, or disability living allowance. If you have become unemployed then you are probably entitled to redundancy pay by your employer which will depend how long you have worked in the company. Unemployed will be entitled to one month pay from their company which they owe in terms of notice period. An unemployed should check their contract to see any variations. If you are currently unemployed this can be integral in repayment unsecured loan.

Carefully choose the repayment procedure for unemployed unsecured loan. Lenders have the facility for both flexible and fixed monthly repayment. Unsecured unemployed loan have facilities like stand-by facility or holiday period or an overdraft. An unemployed can make use of these services when the financial condition sanctions otherwise. Unsecured unemployed loan lenders are quite lenient towards loan repayment and would accept a late repayment without charging penalty.

Finding the appropriate unsecured unemployed loan is as crucial as finding the loan lender. There are few lenders who will take the risk with unemployed population while keeping in mind the benefit of unemployed. It will be a good idea to take free quote from various unsecured loan lenders and compare. This will not only recite to you the cost of unemployed unsecured loan but also reveal whether you can afford the loan or not. However, unemployed unsecured loan lenders have plans for unemployed with either little or no income.

For an unemployed tenant there will be no choice but to apply for unsecured loan. Paying for rent along with other utilities takes it toll during unemployment. Many unemployed tenants plan to give up tenancies when they get a job. However, becoming a homeowner becomes unrealistic during unemployment. In case, unemployed have any prior commitment regarding any loan they have taken during employment, unsecured unemployed can help them paying them.

Unsecured unemployed loan requires no security whatsoever for its approval. The interest rates are low for unemployed people. Unsecured unemployed loans are an easy and manageable way to generate extra cash. Unsecured loan for unemployed can serve to pay for any purpose. Debt consolidation, home improvement, education, buying car, vacation are few of the ways to make good use of unsecured unemployed loan. With debt consolidation an unemployed can consolidate unpaid debts into single loan at lower interest rates. Repayment term would be 3-25 years depending on the loan amount.

Unemployed underestimate the benefit they can get from unsecured loan. Unemployment is hard but it doesn’t have to be a financial disaster. Unemployed unsecured loan offer you the gift of normal living in spite of unemployment. Enjoy an occasional binge – yes you can even do that with unsecured unemployed loan, but this time plan your budget more carefully and stick to it.

Work uniforms dress better than the rest

Whether you spend your days knocking door to door selling insurance policies or cosmetics, or wiggle under cars changing drippy oils and fluids, looking your best with a hot to trot work uniform is a career must.

If you work with any type of liquid material like paint or grease, or natural foundation like cement or dirt, purchasing two or three sets of coveralls for work uniforms would be the best protection for your underclothes. This is especially true if you are a hard-working man and are sick and tired of washing your soiled shirts and pants and trying every technique to eliminate those stubborn stains!

For the white-collared professional, looking neat and well kept is a career necessity. Whether you sell, buy, trade or distribute, the appearance of your work uniform is a reflection of your business philosophy. Keep it simple by purchasing solid color plain or pleated dress pants or slacks work uniforms, then make sure they are regularly laundered and pressed.

When choosing tops for work uniforms, a smart pick would be a long-sleeved button down light-colored collared shirt. A solid colored blouse or dress shirt would be appropriate or possibly one with thin, light-colored pin stripes.

Sometimes, the steamy hot sun rears its ugly head and short sleeves are a must for work uniforms. In that case, be sure to choose a cotton or polyester button-down with a neutral color. Fortunately, women can opt for a professional-looking knee or ankle-length skirt to wear to work on those warmer days.

For men, a nice addition to your button-down work uniform shirt would be a necktie. If you aren't adept at typing one, there are plenty of great clip-on styles available. At first glance, it's difficult to distinguish between the two styles, so it probably doesn't matter which you choose! For women, a neckerchief or scarf neatly secured under the collar with a bow showing in the front would be a classy move for a work uniform. If your company has a theme logo, try to coordinate colors with your choice of accessory. For a professional look, keep any accessories simple and small. Top off the work look by keeping your hair pinned away from the face and secured in a braid or low-hanging pony tail.

If your work environment is more casual, you still must maintain a professional appearing work uniform. Choices for a work uniform could include a polo shirt with your name hand-stitched on the chest or, for a fun look, a Hawaiian-style or colorfully printed button-down shirt that is not faded and looks crisp and fresh.

A breath of relief with low interest debt consolidation

If you are overburdened with credit card bills, medical bills, wedding expenses, auto loans, personal loans and many other outstanding payments, it is right to go for debt consolidation.

Debt consolidation endeavors to consolidate your multiple debts into a single, easily manageable loan. But remember, it is not just bringing multiple debts under one creditor. You aim to save enough money that you pay as interest rate. Keeping this in mind low interest debt consolidation loans have been specifically designed to help you merge different debts into one; thus making you accountable to a single creditor.

The first step towards a low interest debt consolidation loan is to figure out the total amount of debt you want to consolidate. The lender will do rest of the task. Negotiations will be done on your behalf with different creditors.

The best way to get a low interest debt consolidation loan is to place a high value collateral. Collateral is the property that you secure against the loan. If you borrow against the equity in your home, you can extract a larger amount with relatively low rate of interest. The interest rate will be tax deductible. The repayments should be made on time; else the lender has the right to confiscate your property.

Low interest debt consolidation loan is ideal for bad debtors as well. Your credit score plays a vital role in determining the loan amount and rate of interest. Lenders usually offer higher amounts to borrowers with a better credit history. So, the borrower should first try to improve his credit score by clearing off those debts that he can easily pay and report it immediately to a credit rating agency. This will get his credit report updated and help him improve the credit score so as to draw larger loan amount at a low interest rate.

Choosing the right lender is of immense importance. In order to get the best possible deal, one should shop around for loan quotes from different loan providing organizations. This process of hunting for the best lender is very time consuming and you are sure to encounter many hassles in your way. Therefore, to prevent you from facing all such grievances, there is the provision of online lenders. A simple search through the Internet can make you familiar with different online lenders dealing in low interest debt consolidation loans. The free facility of online loan calculator provided by various websites can help you get an estimate of your monthly payments. The online technique of applying for low interest debt consolidation loan is simple, quick and puts an end to enormous paper work.

Low interest debt consolidation loans sway all your debts into a single monthly payment and help you get rid of them sooner. They make you liable to just one creditor thus helping you control your finances once again.

Did you know you re bleeding money because of the darn phone

You're in the midst of work then ...

Aw... man.

Or you're finishing a 97% complete report then ....

Okay. Familiar? I can imagine your blood pressure rising when that happens. What is an interruption? An interruption is anything that seizes your attention from an activity you have chosen to do to for an activity that someone else has purposely or inadvertently chosen for you. Interruptions are normally random and without any consideration for the importance of, or impact on, your time and your personal priorities. Interruptions chew up time and energy. They cost you loads of money if you consder wasted man hours.

There are two primary causes of interruptions you face daily at home or at the office: telephones and people dropping by. The telephone rings, and you automatically pause what you are doing to answer it. The doorbell rings, and the same thing happens regardless of the importance of the task at hand. Someone is forcing you to switch gears instantly even though it is not your choice. "I'm not interrupting, am I?" is the typical remark. "Of course not," you answer politely without an ounce of integrity. Whether people interrupt you in person or on the telephone, they always seem to have something on their minds that just can't wait.

The time wasted because of an interruption extends beyond than the time span of the actual interruption. For instance, you are focusing on writing a report, business plan, or important letter when your concentration is shattered by the ringing of your phone. Not only do you lose the time you actually talk on the phone, but it will normally take you several additional minutes to regain your focus and get back up to speed with what you were working on. Switching gears takes time.

The good ole phone has become the primarysource of interruptions. Fact us, it is an electronic tool designed to interrupt. For some reason you and I were ledt to believe that when the telephone beckons, all else must be dropped in a race to answer it before it stops bleating. That habit is like having someone follow you around yelling "Freeze" twenty times a day and expecting you to stop in your tracks for three to ten minutes each time. The danger is that old phone habits unnecessarily eat up hours of your valuable time - time that cannot be replaced. Your level of effectiveness in life is determined both by the number of hours you have available to work on specific objectives and by how effectively you use those hours. The more time that wasted, the less efficient you become.

Heeding the phone just because it rings means bequeating your time and attention to someone else at but a moment's notice. Obviously, winning your goals and dreams becomes far more difficult when you are constantly working someone else's agenda and at someone else's pace. The fact that a ringing telephone is given highest priority shows how illogical people have become about the use of Graham Bell's little toy.

Are online credit card applications too easy

The days when the only way to get a credit card was to visit your bank in person are gone forever. Nowadays, it's even quite old fashioned to apply for a card by mail - it's much easier and quicker to apply online, and in many cases you'll even get an instant decision on whether your application is accepted or not. While this is obviously a great convenience, there is a downside to online credit card applications: they can actually be too easy, and can harm your credit rating.

When you're offered the chance to apply for a credit card online, it's not always clear exactly what kind of customer a card issuer is hoping to attract. Each kind of card is aimed at someone within a range of circumstances, such as having a minimum income, being older than a certain age, or having a certain level of credit score.

In the old days, your bank manager or financial advisor would only offer you cards which you had a good chance of being accepted for, but when you're applying online there's no one but yourself to check if the card is right for you. And, seeing as how applying online is so easy, it can be tempting to just apply anyway and see if you're approved. This can be a great mistake.

Every time you're rejected for a card or other kind of finance, this fact is recorded on your credit file. If you have a lot of rejections on your file and not many acceptances, this can actually make your credit rating appear worse, making it ever harder to have an application approved. Obviously, this isn't a desirable outcome and so how can you avoid it?

The first step is to have a good hard look at the range of cards available with the features you want, whether it's a 0% balance transfer deal, a low APR or interest rate, or a great rewards program. The large number of credit card comparison sites on the internet make this a lot easier than it used to be.

Once you've got a shortlist of cards to apply for, check the small print of the one you think is the best, and make sure that there isn't anything like a minimum salary which makes it impossible for you to be approved. If everything seems okay, then take an honest look at your financial circumstances and application history, and decide whether you think you've got a reasonable chance of being approved.

Only after that should you actually go forward with your application, and you should only apply for one card at once. If your application is rejected, see if that card company offers a similar card with a higher interest rate - the acceptance criteria is likely to be looser on that card and so it may be worth applying for it.

Alternatively, you could apply for a similar card from a different card issuer. Different companies have different ways of deciding whether to approve an application, so you might have more luck elsewhere. What you absolutely shouldn't do is keep applying for similar cards from the same issuer, as the acceptance criteria will be more or less the same, and you'll just keep getting rejected, with all the problems this causes for your credit rating. At this point, you have little choice but to set your sights a little lower and apply for a less attractive card, even if this means you'll have to pay more for the convenience of carrying a credit card.

Test taking stratagies

These twelve tips will help you get through any test and as long as you prepared adequately for it, you will certainly get an A.

Come to the test prepared and feeling confident that you know the material. Make sure that you are not very hungry or very full and that you are well-rested. Avoid eating sugary or processed foods before the test. Avoid items such as candy, carbonated soft drinks, junk foods, and fried foods. Snack on fresh fruit or veggies immediately before to get your mind off the test and give you some sustenance.

Breathe. Relax. Imagine yourself acing the test. It is amazing what a little positive imagery can do for you.

Read ALL of the directions carefully. Reread them again once you have finished. Look through the test to see what types of questions are asked, how many questions, if there are any major essays, if you have choices about questions that you can answer, etc. Make sure you know how much each section is worth so you can budget your time.

If the test involves specific equations, conversions, dates or anything else that you must memorize, write it on the top or margin of the test paper as soon as the test is handed out. Remembering complicated equations and dates before you have answered any questions is a lot easier than trying to remember them after you have answered half of the test questions and you brain is starting to get tired.

Answer all easy questions first. This will help you get into the test taking mood and build confidence. Circle the numbers of the questions that you really have no idea about. You can come back to these later. Often times questions you answer later in the test might trigger something and help you answer a question that you were previously stuck on.

Narrow multiple choice answers down to the two you believe might be correct by crossing off the ones you positively know are not correct. This will improve your chances of guessing the right one.

True-False questions are often a favorite of some teachers and can be quite complicated at times. Keep in mind that every part of a true-false statement must be true in order to answer it as true. If any part is false, mark the entire statement false. You may want to underline the portion of the statement that you believe is false. If there are negatives in the statement such as “no or not”, and you are still not sure whether to mark it true or false, try re-reading the question without the “no or not”. Decide if this statement is true or false then answer the opposite on your test. Words indicating absoluteness (never, always, entirely, every, only, none) often tend to be used in false statements.

Try to construct concise answers that target the question and prove to the teacher that you know the material. Get right to the point in the first sentence or two of your answer. The rest of the answer should contain proof that you know what you are talking about. Give enough evidence to support your thoughts but don't over-answer the question. Writing a lot of fluff will usually leave the teacher thinking that you are writing for the sake of filling the space and that you really don't have a good handle on the correct answer.

Before you begin writing an essay, make sure you know exactly what the question is asking. Try to restate the question in your own words. If you can't do this with confidence, make a quick visit to the teacher and have him or her clarify it for you. Once confident in what the question is asking, take a few moments to get your thoughts together and write some notes in the margin or even create an outline on scrap paper if you have time.

If you find that you are running short on time and still have some open-ended questions left to answer, write something rather than leaving the space blank. Create a brief outline to show the teacher that you do know the answer, but you didn't have enough time to write an entire essay. You maybe able to get say more in an outline form than you can if you were only able to write a few opening sentences of your essay. Partial credit is better than no credit at all.

Once you believe you are finished with the test, reread everything again to be sure that you answered every question fully and completely. If you have time, cover up your answers with your hand or another sheet of paper and ask yourself what answer you would give if you had to answer the question again. Compare this answer with what you have already written down. Only change the original answer if you find that you made a silly mistake or originally misinterpreted the question. It is usually best to go with your original instinct when you are truly unsure of an answer.

Be neat. The last thing a teacher wants to do while correcting mounds of tests is to spend time deciphering what a student has illegibly written.

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