Building business credit how credit cards play the key role

Over 90% of business owners have never taking the time to build business credit. The reason why I have chosen to open this article with this statement is for two reasons. #1 to give comfort to those who have not taken the time to establish business. From this statement you can see that you are not alone. #2 To help ones understand that if they take this seriously, and take the time and energy to establish business credit, any one can, then they will enter the elite small group of business owners who have a tremendous edge on their competition because they can leverage themselves financially in a way that their competitors cannot.

A road map outlined by experts.

You must separate your business credit from your personal credit. In order to do this you must set up either a corporation or an LLC. If you are a sole proprietorship or a partnership you are 100% responsible for any money that you borrow perhaps you have herd of personal guarantor. Your business must have an EIN #, and in no way should your business be connected to your social security #. Your business should open a banking account that is not linked to your personal account in any way. Be sure that the account has the correct business name. Your business should also have a business phone # that is separate from your personal Phone #, and it should be listed with your local phone company as a business, and be in a 411 directory. Once you have set up this foundation the next step is to make sure your business is registered with the following credit bureau's and have an open file with all three of them. Eqiifax, Experian, and Dun & Bradstreet.

Your business must establish one bank loan, 3 business credit cards and 5 vender trade lines of credit that all report to these three credit bureau's. A few things I thought it might be appropriate to point out at this time is. #1 Business credit is not a substitute for personal credit. Both should be worked on and maintained and will have a bearing on haw much you will be able to receive from lending institutions, often lending institutions will in addition to looking at the business credit, look at the personal credit worthiness of the corporate officers or principles of a corporation or LLC. If you have bad personal credit work on it at the same time you are building business credit. #2 I have personally seen companies extended large sums of money who had a good credit score and report with Dun & Bradstreet without giving much bearing to other sources, the point I' am trying to make here is, make sure that whoever's reporting on your behalf reports to all three, and specifically these three.# 3 Business credit is very different from personal credit. There are laws that govern the accuracy of information on you personal credit that don't exist for your business credit, this means that it is harder to change bad or inaccurate things on your business credit report, thus its important to establish business credit right, right from the start.

Why credit cards are the key.

In essence your business has to establish a credit history. Again reflecting on our road map of 3 credit cards 1 bank loan and 5 vender trade lines, each time we attain one of these elements it will be easier to attain the next.

If we do not qualify for a unsecured credit card it is relatively easy to get a secured credit card provided we have a small sum of money that we can deposit into an account as collateral on our credit limit for the newly acquired credit card. Once we have our credit card it will be easier to get vendors to extend us a 30 or 60 or 90 day line of credit provided that we allow them to keep our credit card on file. After we have paid on our secured credit card for a little while our bank will make it an unsecured credit card. Once this happens it is often much easier to get another issuing bank to give you an unsecured credit card as they can see that your business has established a measure of credibility. At this point things can move forward in a timely fashion and before you know it you have every thing on the road map to success. Once you have reached this point a few things to remember are #1 keep your credit card balances bellow 50% of your total available credit as this will reflect well on your credit score. In addition to this it is important to make sure you do not have any insufficient funds hit you record for checks that your business writes, pay all your accounts on time as well as pay all your taxes on time. If you do this you will build good credit and before you know it you will be in the minority of people who are in a position of financial power able to make strategic maneuvers at key moments. If you are in need of a secured credit card or any credit card for that matter you can find one on my website creditcardumbrella. com under the credit cards to rebuild credit section. A link to this website can also be found bellow.

The effects of the banning online gambling

Everyone talks about the negative impact of online gambling, but they are not talking about the negative impact of banning online gambling.

A reason for banning online casinos was to make sure that underage children were not using thee parents credit cards to gamble online, but besides the fact that most online casinos did everything possible to ensure to verify the age of the account holder before allowing any gambling to occur, but by banning it you are only stopping the law abiding casinos from taking bets and not the less reputable online casinos. They will use third party account like PayPal ore Click2pay which provide a loophole in the new law.

By banning an activity especially such a popular activity as online gambling all that can be expected to happen is for people to find ways around the law, such as the Speakeasies of the 1920’s.

A Speakeasy was a nightclub that served Alcohol during prohibition and was usually hidden in the back rooms of pet stores and innocent looking book stores. Every time a speakeasy was raided the next night another one was opened, and this is what will happen with these online casinos. If the government finds one operating in the USA and gets it shut down or manages to stop the money flowing to it then another will open.

By regulating online gambling the government would know exactly who was running the casino to make sure they were running it honestly and within all the laws, and it would help make sure that the criminal element did not get rich and gain power a second time in the history of the USA because of a bad lawmaking decision.

Another reason given for the ban of online gambling was to help protect against a rise in problem gamblers from have casino gamming in your home 24 hrs a day, but no proof has ever been found that shows that people who would normally not be inclined to go to a casino and gamble would decide to do it just because it was now in their homes.

The facts actually show a steady rate of people with gambling problems and growing at the same rate it has been growing for over 25 years.

Many experts are now saying that there are some positives to the online gambling ban, but those positives would be even better if the industry was properly legalized and not, just by putting a mostly unenforceable law in place.

But this to be a pattern the government seems to always make, it is much like the war on drugs. Last time I checked thee was still a drug problem in this country even though drugs are illegal, yet in countries like Holland where the use of soft drugs like hash and grass are legal the number people with drug problems is much lower per capita then in the USA. This is because the money that is brought in the form of taxes from these sales goes to fund the public schools where they properly educate kids on the negative effects of these drugs, so most of the people who smoke are tourists and not the locals.

Maybe one day the government will learn from its past mistakes and make things right.

Bun and thigh roller - sculpt your body the quick fun and easy way

In a demanding and stressful world where time is a very valuable resource, many people simply cannot afford the luxury of spending long hours at the gym. They seek easier and faster alternatives to maintaining a fit and healthy body. If you are one of these people and you wish to sculpt your body in a quick, fun and easy way, the Bun and Thigh Roller is a great option for you!

The Bun and Thigh Roller allows you to do a wide range of physical workouts in the comfort of your own home. This amazing product can help you tighten and sculpt your buns, thighs and hips in only five minutes of daily exercise! With the Bun and Thigh Roller, you can easily work out the buttock muscles (glutei), the leg muscles (quadriceps, hamstrings) and the upper thigh muscles (medial adductors).

If you don't know what exercises to do to maximize your workout, have no fear. The Bun and Thigh Roller includes physical programs for working out the muscles of the upper body as well! With the optional extension of Bun and Thigh Roller you can also work out your abs, chest and arms in a wide variety of exercises. Therefore, with the Bun and Thigh Roller, you can actually get a complete body workout!

Bun and Thigh Roller can help you achieve the best results with minimal effort! The adjustable difficulty of the exercises provided by Bun and Thigh Roller makes the product suitable for both men and women, and for beginners to professional athletes! Thanks to its light mass and its revolutionary design, Bun and Thigh Roller can be easily manipulated and setup. This ease of use makes the Bun and Thigh Roller beneficial to people of all ages and sizes.

Whether you are a beginner or a professional athlete, Bun and Thigh Roller can fully satisfy your requirements. You can choose from 8 progressive levels of difficulty, so you can do either perform a minimal workout or a very challenging physical exercise using your own body weight. At the low-difficulty level, you burn calories and shape your muscles easily. By increasing the difficulty level for your exercises, you can strengthen your body and build muscular mass.

The Bun and Thigh Roller is ergonomically designed to isolate the neck and back, relieving the pressure on these tender points while you do your physical workout. Don't hurt your back by doing old-fashioned exercises like sit-ups. Also, by isolating the regions of the back and neck, Bun and Thigh Roller helps you maintain correct posture during your workouts, improving the efficiency of your exercises.

The Bun and Thigh Roller helps you achieve remarkable results in a very short period of time. Thousands of satisfied customers worldwide recommend this incredible product to anyone who wishes to maintain a beautiful, fit and healthy body.

The russian bride and her uniqueness

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Your first letter

So, you are creating your dating profile. It's very important to mention your REAL height, weight, marital status, your age, education and occupation; consider adding some photos to your profile. In your very first letter to the Russian bride you can write everything you think worth mentioning in the first letter to a stranger – this can be your life position, some aims and hopes, your interests, a description of person that your are looking for. Remember one thing – it not usual in Russia to call a woman 'dear', 'love', 'sweet' in the first letter. She may think you are insincere or too emotional. You should avoid official style, just be yourself.

What things to discuss

Never be afraid of expressing your feelings and thoughts: the Russian woman is naturally very sensitive and emotional. Ask questions and answer hers in return. Your questions might be like following: What kind of a man would you like to see near you? What is more important for you: family or business career? Ask how she spent last week and tell her what you did all this time. Write about everything you find interesting. Ask her advice on this or that matter or difficult situation in your life, share your plans for the future with her.

It would logical to wonder about how long the acquaintance by correspondence should last. In this matter you should retain the sense of proportion. On the one hand, long correspondence makes an opportunity to know each other better. On the other hand, Russian women don't like inert men and will find long correspondence a great nuisance. Therefore you have to pick the crucial moment of transition to personal meeting intuitively. Then you should decide where your first date will take place - in her country, in your country or in any other country. On the one hand, it's more comfortable for you to have a meeting in your country – you'll feel yourself a master of the situation but for your beloved one it can be difficult to be in the unknown place and and that can embarrass her. Meeting in her country may seem like a better idea – she is at home and this fact will help her to be herself while your meetings. But the more fair variant is to meet in any other country – there both of you are in the same conditions.

Russian bride and her Love

Due to the reality of the Russian life (the wars and totalitarian regime) the awareness of the of the submissive role of women and to the fact the number of women in the country has always been considerably larger than that of men; this definitely can be the reason for this self-sacrifice and artificially lowered requirements. Since then the demographic situation didn't changed.

In their love Russian women often trust their hearts, not logical thinking. One may be a tall, handsome and wealthy fellow and still fail to attract a Russian woman's attention; the other one may be crazy about her and still fail to arouse a response in her. It does not mean she needs a man with physical or spiritual shortcomings. The thing is that she must fall in love with You and Only You and then you may count on all-conquering forgiveness and on absolute devotion.

Usually Russian woman does not expect to profit by her love, she is genuinely selfless, and she often sacrifices her career and her interests because of her family interests and needs. Devotion determines to a great extent the behavior of a Russian bride in love. For most Russian women the words of the church wedding rite 'I vow to stay with my husband in grief and joy until death separates us', are still the matter of current significance.

Russian lady and her husband

A married Russian woman has her life values arranged like this: children - husband - relatives - her home - her job. As you can see, husband plays one of the predominant roles in her life. Always he is a regular sexual partner. A Russian women nowadays, especially those over 25-30 years old, has certain problems with finding a man to establish permanent sexual relations with. So, the husband is everything to her. This is also proved by the fact that after the wedding the number of female friends of a young wife is considerably reduced: she doesn't need them any more because her husband also becomes her best friend.

The husband has traditionally been the highest authority for the Russian woman. She will not go out, nor make major purchases, does not take any important decisions without first consulting with him.

For Russian women, children have always been the highest value. If you already have your own children Russian lady will surely love them too, as if they were her own ones, because the beloved man and his offsprings are inseparable for her.

E-cards the new online craze

As the Internet continues to grow in use and popularity among individuals of all ages, genders, and races, it is only natural that certain unique offerings from online would grow in popularity, as well. E-cards are a prime example of this. While there are plenty of websites that sell e-cards on everything from holidays, to basic jokes, to even customizable messages, there are just as many websites that offer free e-cards. As long as you have an e-mail address, you have the ability to send a friend or loved one an e-card for free. Increasingly, this is an offer that is becoming harder and harder to refuse.

E-cards are coloful, can include music and animation, and include a large variety of subjects that may not be covered by Hallmark or the other major card companies. Being the Internet, there are plenty of “racey” or “gag” cards as well, which are finding large popularity with college students, and increasingly, even their parents. There are e-cards from everything from the sad (funerals, loss) to religious (Christian, Jew, Muslim, Hindu—you name it, if its allowed you can find it) to the irreverant. An additional popularity of e-cards is the number of cards that are just there. There are thousands of choices for cards that are just to say hello. A person can even find a card that is nothing but background, and put their own custom message in. The options are literally nearly endless.

An odd, almost funny (as long as you’re not receiving it) new use of the e-card was found by Hallmark Greeting Cards, of all people. A recent study they conducted found that e-cards were sometimes used by men, and even more often by women, to attempt to maintain an on-going romantic relationship. The report found that almost half of women who used the Internet frequently apologized over e-mail, often times as an e-card. The general consensus was that a really nice card could be sent to give an apology that was too difficult to make in person. Unfotunately, there were also about 1 in 10 peope who responded by sending an e-card informing the individual that they were now offically dumped. Harsh.

One college student who was surveyed gave a very simple and common sense answer as to why e-cards were becoming so popular. “You can spend twenty minutes on-line and send cards to thirty different people.” Definitely saves the money and the time come finals week, and the increasing trend towards e-cards in lieu of greeting cards continues unabated.

How does satellite tv work

Understanding how satellite TV works is important to make sure that you can handle certain problems with your dish, receiver, satellite TV subscription and other issues. How satellite TV works the same regardless of the type of subscription package you purchased monthly. Generally, the broadcast television sends a signal within a straight line. You can determine the coverage area, because the farther these signals travel from the transmitter, the wider the area it will cover. However, since the earth is round, no broadcast TV provider can guarantee you that signals will be received by your television antenna every time. When satellite television first came onto the market, it became the end of broadcast television. This is because satellites are able to handle worldwide coverage.

Understanding How Satellite TV Providers Work

The major providers of direct broadcast satellite TV (DBS TV) are DISH Network and DirecTV. How these satellite TV providers works is simple – they offer consumers with a way to receive satellite TV into their television or computer. However, you will select the program to include in your subscription package that entails the number of channels you should expect to receive.

You need to understand that DISH Network, DirecTV and other satellite TV providers do not create the shows or programs that are aired on their packaged channels. Instead, they select a variety of programs aired by hundreds of sources, such as ESPN and other international sources. The satellite TV providers ask these sources for broadcasting rights to each program and then the providers are able to transmit these programs to their clients.

How satellite TV works largely depends on two important pieces of equipment – the satellite dish and the receiver. These two pieces of satellite equipment work hand in hand to enable your television or computer to receive signals, making it possible for you to watch different satellite programs on your own television set or personal computer. The dish works by capturing broadcast signals directly from the orbiting satellites, while the receiver converts these encrypted signals into format readable by your television or computer.

The popularity of DirecTV and DISH Network continues to increase dramatically because of how satellite TV works. Due to the high monthly fees that cable services charge, subscribing to a satellite system is a practical choice. With this option, you can receive hundreds of international, national and local programs without extra charge.

Negotiating for the best price for your car

The art of negotiation is a tricky, possibly long drawn-out matter and sometimes you are never really sure you got the best deal even after you’ve walked away from the bargaining table.

If you are like most buyers, you probably have a good idea of how much you are willing to spend and would like to settle the issue of cost even better you go to the dealer to check out the car. Indeed, since the advent of the Internet, most companies are even willing to quote you the actual retail price sight unseen, over the phone or perhaps through e-mail. This is in sharp contrast to only a few years ago when standard practice was to lay on as many enticements as possible to the customer before the actual bargaining started.

Of course chances are, in your inquiries to several different auto dealers or through scanning of the local ads, you may have already encountered a quoted sale price on one or more cars you are interested in. Most online car dealerships in fact, will readily give you the price knowing that this is a crucial factor in your decision to purchase a car from them. What you have to realize though, is that it may still be possible to knock a few dollars off their asking rate.

You may possibly already have a pre-conceived price point at which you are confident that you have scored a great deal. Most people though, are willing to give a little leeway on this issue as long as they feel that they will get a fair price.

The best way to prepare for the inevitable haggling that will take place at your car dealership is by being as informed as possible about current market rates for your chosen car model. Ask around several different dealerships about the car you’re interested in and ask if they offer any added-on value, like free accessories or free service checkups and towing services for example. Each dealer is different but they all have the common goal of selling as many units as possible and many have come up with some interesting solutions to help you part with your money.

Finally remember that it’s not always all about paying as little as possible; you will want to buy a car that you are totally happy with, at a fair price. Take the time to do your research and you will walk away the winner in the deal.

The purpose of suffering

Today's world is in turmoil and rapid transition, with larger scale changes on the horizon. In many of the spiritual teachings that have been coming to the Earth in the last 20 years, we are told that suffering is not necessary, or is the result of faulty belief systems, insufficient self love, or a hidden inner desire to suffer.

Though each of these statements contains a kernel of truth, the larger spiritual reality of human suffering is a much more complex situation, that has at it's root the fundamental choices made early in the evolution of humanity, to separate consciousness from the Oneness of the divine Creator.

At the highest levels of God's truth, all is one and there exists no separation. At the levels of human, embodied physical reality, life appears to be filled with the experience of aloneness, separation from God, from love and from truth. This current reality we experience however, is in the process of transformation as we speak.

A new and unprecedented increase in the presence of spiritual light on the Earth has been gradually, and with increasing speed, opening the spiritual awareness of humanity. At the same time, this same light is having a cleansing and purifying effect, causing us to look both within ourselves and around us, to see where we are living out of alignment with love, with truth, and with ourselves.

Dearest Ones, the very fact of existing within a physical body exposes you to the experience of suffering. The body is created with internal programming designed to keep itself alive through a series of biological needs that must be met, such a clean air to breathe, pure water to drink, and healthy food to eat. The body's signals create suffering each day, which motivates the human, embodied self to meet their needs.

Emotional and mental suffering are also a part of the human experience, because the spark of light that is the soul essence of a person, entered into human form for a specific reason. In order to find that which the soul desires to learn, an inner feeling or experience of discontent or suffering arises that motivates the person to seek that which its soul desires.

There is another aspect of suffering that is related to the process of cleansing and purification that is happening on the Earth right now. Imagine you burned your hand years ago, but at the time did not have access to medical care. Your body tried to heal the burn, but it still has a scar is inflamed and painful. Now, times have changed and you have access to medical care, so you go to the doctor and ask for help in healing this old would. The doctor has to lance the wound, open it and drain out the inflamed tissues, in order to relieve the pain. Once this is done, the wound can heal perfectly.

This process of purification that is happening on the Earth right now is opening the individual and collective wounds of humanity. It is a challenging process, because the pain of the past re-surfaces as it is being healed. You may feel for a time that there is more suffering rather than less, and wonder if it will ever end.

The good news is that in today's world, the presence of greater spiritual light is creating more opportunities for complete healing of relationships, old and previously stuck behavior patterns, physical conditions and emotional difficulties. If you are experiencing a healing process, it can help a great deal to hold an attitude of trust and acceptance in relation to the suffering that may emerge.

Rather than berating yourself for not being spiritually evolved enough to transcend the pain, or for other limitations you may perceive yourself to have, let go of your thoughts and judgments. Breathe into the suffering, rather than avoiding it. None of us likes to suffer, but if we can relax around the process, there is less pain because we are flowing rather than rigid.

Be humble and sincere in your prayers, and ask for healing. Accepting and breathing into suffering does not mean you don’t try to find relief. We are human, and no one likes to be in pain, whether it is emotional, physical or energetic pain. Be practical and do what you need to do to help yourself, but hold everything you are experiencing in God's loving embrace. As you move forward and find a path of acceptance for the challenges as well as the joys of spiritual life, you will discover a new level of inner peace, and a strengthening of your faith and trust in God. Your suffering is known by God and it will end, for it is but a step in the process of wholeness in the journey to Oneness with God's love.

Water parks make a great summer family outing

Quality family fun is what every parent looks for. And what better way to spend a relaxing day with your family then near the water. That’s why water parks make a great summer family outing.

Water parks have plenty of entertainment to offer including all kinds of water rides, arcades, outdoor games like miniature golf and go carts, and good food. All you need to do is show up to discover the excitement that awaits you.

There are slides for all levels and ages including water pools for the very youngest family members. So whether you like a real challenge or prefer a ride that’s relaxing, it’s there.

The larger parks have intertwined looping tube slides which are a blast; some starting 6 stories above the park and ending with a splash landing. There are a variety of tubes to choose from, so if 6 stories is too high you can play on one of the smaller ones. And who says a water park is all about the slides?

These days wakeboard and knee ski are growing water sports that many water parks are now offering. The courses are usually about Ѕ mile long and you can test your skills. Levels start at beginner and go right up to expert. And, if you aren’t ready to give it a try you can watch. It’s a great spectator sport too!

If you prefer to partner up with your buddy, there are usually some great two person water rides to check out. The inner tubes are one of the most fun. Or why not take a ride down a twisting turning slide reaching maximum speeds as you drop from an elevated shoot.

If that’s not your style why not try the Black Hole or the equivalent offered by most parks. Here you’ll jump into a raft and take an exhilarating journey down a twisting tunnel of darkness – whoo-eee fun with a capital F!

And if you’re lucky enough to visit Orlando’s Wet and Wild, be sure to check out The Blast which will have you screaming for more as you get soaked to the core in this stimulating ride complete with sound effects. You’ll twist and turn your way down through waterspouts and burst through pipes. What a ride! If you can’t get to Orlando don’t worry. Other water parks are offering similar rides.

When you need a rest from the water you can soak up some rays on the side. Grab a chair or relax on your beach towel. And then why not take the family for a game of miniature golf?

Don’t forget to enjoy a delicious burger and order of fries with a nice cold drink. And the day won’t be complete without an ice cream.

Water parks offer a full day of fun and relaxation for the entire family. So why not get out and enjoy it? You won’t be sorry!

Chocolate fondue fountain - buying chocolate

Most people don't put much effort into buying chocolate for a chocolate fondue fountain. Perhaps they have a few bags of chocolate chips on hand or they'll even buy some of those brick sized chocolate bars. Sure this will work fine and the whole fountain concept will still impress your party guests. But true chocolate aficionados use gourmet chocolate in their fountains and you can definitely taste the difference.

Melting regular supermarket chocolate chips is not an option in the most popular home versions of the chocolate fondue fountain. The chocolate will be too thick and if it can actually be pumped to the top of the fountain, you won't get that cascading waterfall effect that these machines are famous for. Plain chocolate will just drip if you're lucky. If you're unlucky, it will clog your fountain, leaving you with a few pounds of chocolate that needs to be melted with hot water before you can use your fountain again. When using regular chocolate, you will need to add a significant amount of vegetable oil in order for the chocolate to be fluid enough for the fountain to work.

The best way to melt supermarket chocolate is with a double boiler. For every two pounds of chocolate, you should slowly add one cup of vegetable oil while stirring. If you can handle your double boiler and an electric mixer at once, then the mixing won't be too hard. You probably won't need the entire cup of oil so add it slowly and stop when you think the chocolate looks right. But don't forget that you can't add more oil when the chocolate is already in the fountain. So if you are in doubt, add more oil.

The easiest way to set up your chocolate fondue fountain is to use couverture chocolate. Couverture is a French word that means to cover. Courverture chocolate is usually used for making candies or for dipping so it's perfect for a chocolate fountain. It's made with a higher percentage of cocoa butter than normal chocolate and melts to a smoother texture. Couverture chocolate will give you that elegant looking waterfall effect without any additional oil or mixing required. The only drawback is that it's very expensive when compared to supermarket chocolate.

Melting couverture chocolate is the same as regular chocolate. Either use a double boiler or a microwave. Since you won't be adding any additional oil or using the electric mixer, the microwave can work great. Set the microwave for a minute at a time and stir in between.

Whoever decided that turning a chocolate fondue fountain into a home appliance should be given a medal. Why save the chocolate fountain for weddings and other large parties when you can now set it up every weekend. If you are having a birthday party or a barbeque, why not add some pizzazz to the event with a chocolate fondue fountain. Whether you choose expensive couverture chocolate or regular supermarket chocolate chips, it's sure to taste delicious.

What is in affordable homeowner s insurance in louisiana

Since the disasters caused by Hurricane Katrina, many Louisiana homeowners have scurried to purchase Louisiana homeowner’s insurance, or to make changes to their existing Louisiana homeowner’s insurance policies. If you’re one of the Louisiana homeowners who hasn’t yet taken action to better protect your home and possession, there’s no time like the present to get started.

Most Louisiana homeowner’s insurance companies don’t offer flood protection – a coverage you definitely need when hurricanes and other severe storms hit. Luckily, you can purchase Louisiana flood insurance through the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NPIF). Simply visit their websites, check out the coverage they offer, and give them a call to speak to a live representative.

But Louisiana’s home owner’s insurance shouldn’t focus solely on repairing the water damage your home sustains, should it? There are many factors to consider when you’re purchasing your Louisiana homeowner’s insurance policy – factors that go beyond frame and structure damage, as well as damage to everyday items such as furniture, dishes, clothing, etc.

As you’re determining the kind of Louisiana homeowner’s insurance policy to purchase, keep the following additional coverage options in mind:

• Expensive items such as jewelry and fur

• Electronic items including cameras, computers, printers and scanners

• Passports and travel or event tickets

• Deeds

• Musical instruments

Sure, you can store your valuables in the bank, but do you really want to travel to the bank each time you need your passport? Ask your Louisiana homeowner’s insurance representative, or the representatives of the various Louisiana homeowner’s insurance companies you are considering, about the kinds of coverage options the company offers.

Of course, the additional coverage options will vary from insurance company to insurance company. If you have any of these items, or similar items, and you want to protect them, choose a Louisiana homeowner’s insurance company that offers you the option of purchasing add-ons to your insurance policy.

It s about time hybrid trucks

With the increasing concern about environmental issues such as pollution and global warming, as well as the unbelievable rise in the price of gasoline, it is no wonder that hybrid vehicles are gaining popularity. Hybrid cars have been relatively common for years, with hybrid Sport Utility Vehicles in close competition, but what about hybrid trucks? We don't see those too often. Automotive manufacturing giant General Motors, however, believes that will change.

In 2005, GM introduced hybrid versions of the Chevy Silverado and the GMC Sierra in Florida, California, Oregon, Washington, Nevada, and Alaska. In 2006 the company made the vehicles available nationwide. These hybrid pickup trucks have 5.3 liter V-8 engines which have exactly the same amount of power and torque as there non-hybrid counterparts (295 horsepower, 325 pound/feet of torque). They can carry the same size loads, tow the same weights, and accelerate to the same degree that regular non-hybrid GM pickup trucks can. And they do it all while providing the most efficient gas mileage of any full-sized pickup on the market—about 20 miles per gallon on the highway. These hybrid trucks also feature a 2400 watt generator that can be used to power electrical devices, making them ideal for contractors or construction workers.

When compared to the Toyota Prius, a small hybrid car that gets 50 miles per gallon, 20 mpg might not sound like much. It is in fact only about a 10 percent difference from the fuel consumption of regular non-hybrid GM trucks. This is because the Prius is what is known as a “full hybrid,” which means that its internal combustion engine can shut off completely when the car is idle or driving at low speeds, relying solely on battery power and drastically improving fuel efficiency. This type of fuel savings is great, but it requires a significant compromise of power, which is something that the general pickup truck owner simply will not stand for.

Many truck owners use their vehicles for work related purposes, such as hauling heavy loads, and it is essential that a hybrid pickup truck be able to do this. If automotive manufacturers sacrifice power to gain fuel economy in hybrid trucks, their customers will disappear. Acutely aware of this, General Motors has decided that a little improvement is better than none at all.

Hybrid Cars and Trucks and the Environment

With fossil fuel emissions at levels of billions of tons per year and global warming becoming increasingly obvious, it is clear that sooner or later something must be done. For decades, scientists and researchers have tried to find alternative fuel sources, but there simply was nothing as convenient as the old standby—oil. The oil infrastructure is so vast and developed that is has become impossible to think of cars without thinking of gasoline, and many Americans are loath to change. But they must. Every major city in the country—New York, Chicago, Houston, Atlanta, and most notably Las Angeles—is plagued by pollution. The cities are shrouded by smog, there are pollution warnings on weather reports, and at times it is impossible even to take a deep breath without noticing that something is wrong with the air. This is not a world that most of us want to live in. But if more people are willing to take the plunge and buy a hybrid car or truck, the effects over time will be enormous. A hybrid truck might be more expensive initially, but the fuel savings will soon make it worthwhile. And as hybrid technology improves, the cost of these vehicles will no doubt be reduced, making the future a lot brighter, and a lot less smoggy, for the next generation of Earthlings.

What you need to consider when buying cool cars

What You Need To Consider When Buying Cool Cars

If you are one of those people who are planning to buy cool cars, you should make it a point to do your homework first before you head for the car dealer’s place. Always remember that cool cars can be quite expensive and if you are not careful with your choices, you could end up with something that is not really worth your hard earned money. To help you choose the right cool car, here are some tips for you.

Brand New Versus Used Cars

The first thing that you need to do if you want to buy cool cars is to decide whether you want a brand new one or a used one. Both brand new and used cars have their own advantages and disadvantages so you should be able to look closely into these things before you attempt to buy your dream car. Always remember that comparing the advantages and disadvantages of brand new and used cars will help you make an intelligent decision as to which one you will buy.

Consult Your Budget

Since money plays a vital role in your selection for cool cars, you will need to take into consideration your budget. Note that brand new cool cars can cost considerably higher than their used counterparts. However, the good news about brand new cars is that brand new cars have lesser maintenance cost compared to the used cars so if you are very much concerned about your future maintenance expenses, getting a brand new cool car may be a better option for you. On the other hand, if you are more concerned about saving money on the purchase cost of your cool car, a used car which is in good running condition may be more appropriate for you.

Select A Good Brand

Once you have made up your mind whether to buy a used car or a brand new car, the next step would be to study the different brands of cars. Note that different brands of cool cars have their own special features so it would be wise to determine first what features you want in your car and then select a car brand that can give you the utmost satisfaction. To help you select the right car brand, go to the websites of these companies. You may also read reviews about the products of these companies. The good thing about reading reviews about different brands of cool cars is that you will be able to easily compare these brands.

Ebay income possibilities

If you’ve ever read an article about eBay, you will have seen the kinds of incomes people make – it isn’t unusual to hear of people making thousands of dollars per month on eBay.

Next time you’re on eBay, take a look at how many PowerSellers there are: you’ll find quite a few. Now consider that every single one of one of them must be making at least $1,000 per month, as that’s eBay’s requirement for becoming a PowerSeller. Silver PowerSellers make at least $3,000 each month, while Gold PowerSellers make more than $10,000, and the Platinum level is $25,000. The top ranking is Titanium PowerSeller, and to qualify you must make at least $150,000 in sales every month!

The fact that these people exist gives you come idea of the income possibilities here. Most of them never set out to even set up a business on eBay – they simply started selling a few things, and then kept going. There are plenty of people whose full-time job is selling things on eBay, and some of them have been doing it for years now. Can you imagine that? Once they’ve bought the stock, everything else is pretty much pure profit for these people – they don’t need to pay for any business premises, staff, or anything else. There are multi-million pound businesses making less in actual profit than eBay PowerSellers do.

Even if you don’t want to quit your job and really go for it, you can still use eBay to make a significant second income. You can pack up orders during the week and take them down to the post office for delivery each Saturday. There are few other things you could be doing with your spare time that have anywhere near that kind of earning potential.

What’s more, eBay doesn’t care who you are, where you live, or what you look like: some PowerSellers are very old, or very young. Some live out in the middle of nowhere where selling on eBay is one of the few alternatives to farming or being very poor. eBay tears down the barriers to earning that the real world constantly puts up. There’s no job interview and no commuting involved – if you can post things, you can do it.

Put it this way: if you know where to get something reasonably cheaply that you could sell, then you can sell it on eBay – and since you can always get discounts for bulk at wholesale, that’s not exactly difficult. Buy a job lot of something in-demand cheaply, sell it on eBay, and you’re making money already, with no set-up costs.

If you want to dip your toe in the water before you commit to actually buying anything, then you can just sell things that you’ve got lying around in the house. Search through that cupboard of stuff you never use, and you’ll probably find you’ve got a few hundred dollars’ worth of stuff lying around in there! This is the power of eBay: there is always someone who wants what you’re selling, whatever it might be, and since they’ve come looking for you, you don’t even need to do anything to get them to buy it.

So you want to get started on eBay? Well, that’s great! There are only a few little things you need to learn to get started. Our next email will give you the lowdown.

The right tool - venetian plasters

It has been said that for every job there is a tool. That is the case with the tools used to apply the product commercially known as Venetian Plaster. At a seminar on Marmorino hosted by Rivesto-Marmorino© several months ago, there was an old plasterer from New Castle, Penn., that looked at these trowels and said, “What are these things?” He couldn’t understand their shape or why they where so flexible and the end was curved.

At a seminar on Marmorino hosted by Rivesto-Marmorino© several months ago, there was an old plasterer from New Castle, Penn., that looked at these trowels and said, “What are these things?” He couldn’t understand their shape or why they where so flexible and the end was curved.

Facts

But in a conversation with him recently, he sounded like a changed man; he loves these Venetian plaster trowels designed for use with Rivesto-Marmorino©. Altthoug he mentioned that he couldn’t use them with regular plaster, he said they where well-suited for Marmorino. Marmorino is a marble product with a lime base that needs to be worked very gently. With traditional plastering, you are required to put on a lot of material very quickly and a rigid style trowel is desirable, whereas with Rivesto-Marmorino©, a flexible trowel is required.

No one before us had asked for a trowel like this one, designed for use with a full mineral product. If you work with synthetic or half-synthetic material you do not need trowels like these; rigid stainless steel is sufficient.

In further speaking with this plaster, he did not get dark stripes. With a lot of trowels these days, if there is any rust on the trowel or the steel isn’t of good quality it can leave discoloration on your wall. This never occurs with these new trowels. If you accidentally leave them in water or with material drying on them, the blade will not discolor.

The reason for this is not found by looking at the trowel; it’s found in what you can see on the trowel. The manufacture tempers the sheet steel in the raw material stage and again at the trowel factory, when they form the trowels. It is this procedure that takes the rigidity from the blade so that they become flexible. Then, they are delicately polished; witch is expensive because is done by hand.

Trowel Shape

Now the shape of the trowel raises a lot of eyebrows because it is in the shape of a trapezoid. If you see and old workman’s trowel in Italy, it starts off in a rectangular shape and after several years it start taking a trapezoid shape. This is because you work on the full length of the blade the whole time and one end becomes more narrow as a result. Many craftsmen in Italy would prefer to work with old trowels they inherited, as opposed to working with a new tool because it actually becomes better with age. For this reason, it was decided in a joint effort with Rivesto-Marmorino© and the manufacturer of the trowels to design the Venetian Plaster trowel with this shape to begin with. One of the most experienced toolmakers in Europe manufactured this trowel. The only thing that could not be manufactures was the worn edge on the blade that has to come over time with use. The trowel also has round corners to protect the finished Marmorino.

Ligth Weigth

Last but not least, these special trowels have a light weight handle assembly; the manufacturing procedure holds an international patent. The handgrip is made of wood witch makes it more expensive, but the craftsmen appreciate it because it is extremely comfortable to hold. The original trowel designed with Rivesto-Marmorino© has been emulated by other manufacturers; witch is tribute to the inspired design of the original.

To complete the Rivesto-Marmorino© we use a smaller trowel; witch never touches the raw product. At just the right time this “polishing trowel” is worked over the product to give it that lustrous shine and feel of marble. This is important because in its natural state, marble is not polished.

When an artist picks up a brush or pen or sculpting tool, the object becomes an extension of his hand, his arm, his eye and his mind. In creating truly beautiful decorative finishes with Marmorino, choosing the right tool for that extension is crucial. For every job there is the right tool.

Should you consider a self directed ira

There are plenty of people who do not take advantage of an IRA, but could. An IRA is a tool used for retirement investing. An IRA could mean two things, it could be an Individual Retirement Account or it could also be an Individual Retirement Annuity. It's great if you have the opportunity to take advantage of an IRA because it can help you retire, but should you have a self-directed system?

1. IRA Types

There are numerous different types of IRA's you could get. There is a traditional IRA, where this type of retirement is set by taxpayers individually and are allowed to put in one hundred percent of their compensation.

A simple IRA is where the plans for retirement are set up by the employers themselves. Any withdrawal made eventually is then taxed as a form of income, this include capital gains. Of course, since after retirement, ones income decreases, the tax put on a simple IRA is considerably at a lesser rate.

There is also a self-directed IRA. This type of IRA is a retirement account that is put up with the help of a broker and not a bank or a mutual fund. In this type of retirement, one is able to buy as well as sell stocks individually. This therefore makes it a lot easier for anyone to make decisions related to investments conveniently on ones own instead of a mutual fund manager.

So what if you have about twenty thousand dollars in your IRA account, and the money are all invested currently in a type of mutual fund, and you want to manage it on your own and so you think of converting it to a self-directed IRA, just how do you do it?

Some people usually contact their account executives and notify them of their need to cash the account and send the cashed out check to a brokerage and establish a self-directed IRA. Simple, right? Fortunately it is that simple, with a few little details that need to be modified.

2. Fund Transfers

Transferring funds is indeed as easy as a-b-c. All you have to do is to call that broker and tell him that you want to convert your current IRA to a self-directed one. The broker will then have to send to you two different forms. One form is an IRA basic application. The other form is an instruction of sorts relating to your current IRA mutual fund. This basically allows the agency you are dealing with in liquidating your current IRA and then transfer its proceeds to the IRA that is new.

After doing these activities, all you have to do is to simply return the forms once completed and just sit back, relax and wait. In as short as 45 days to as little as 30 days, the time actually depends much on how slow or fast the custodian of the IRA is, the money will then be in your self-directed IRA.

After checking if the money is indeed there, you now have the freedom to simply trade at your own choice and your own will. Via through direct transfer, there are no taxes to worry about as well as IRS hassles.

3. The Self Directed IRA

It is that superbly simple. See how you need not have to go anywhere to make those transfers. All you had to do was pick up the phone and talk to people. The best thing out of this very simple process was that your integrity and dignity is still intact. Observe how there was no need for unnecessary drama or hysterics of having to make up a story with the manager of your mutual fund and think of excuses on why your dear old Uncle Isidore badly need the money for surgery, and the like.

Another good thing to think about when having self-directed IRAs is that, besides the usual bonds, stocks or mutual funds that could be stored in it, stocking up on real estate is also a good investment. IRAs could eventually help you in broadening your own portfolio.

Basically, a self-directed IRA allows you to buy good real estate. It would be best if you avail the services of an independent administrator who could serve as your very own custodian or trustee. All in all, it really depends on how much you are willing to know and learn and do with your self-directed IRA that spells the difference. Ultimately, you know what is best for you, so go with what your heart, mind and real estate custodian is telling you.

Etiquette for golf player

Let us see some etiquette a golf player has to observe while playing. Safety is primary responsibility of a player. Before making a stroke or practice swing, he has to ensure that there is no one near him or in the course of the ball.

A player who has an honor plays first, before his competitor. When a player is addressing the ball, no one should stand close to the player or in the path of the ball or near the hole. As also, no one should move or talk when the player is making a stroke. There should not be any undue delay in making a stroke.

In case a ball is lost and the player is searching for the ball, he should signal to the other players following and allow them to pass. He should not play until all the players have passed him. Once play in one hole is complete, the player should leave the putting green immediately.

In a golf course if there are more than one tournament being played, a single player should give way to the tournament. A match playing full round will get priority over any shorter matches being played.

After playing in a bunker, the player should carefully fill up any holes or footprints made while playing there. In case any turf is displaced while playing on the green, he should immediately replace it and press it firmly. As also, any damage made by the ball must be repaired. Players or caddies should make sure no damage is caused to the green or the hole while putting the bag or the flag stick. They should also be careful that they do not damage the hole or the green when pick up the ball from the hole or replace the flagstick. The flagstick should be properly replaced in the whole before the player leaves the putting green.

If golf carts are, used rules pertaining to that should be strictly followed. When a player is practicing swing, he should ensure that the tee is not damaged.

Let us see some of the definitions in the game. When once a player has taken stance and grounded the club that means he has “addressed the ball”. If the ball moves due the wind or any other reason even without the player not hitting the ball, will result the player getting a penalty. In the green, a ball is addressed when the player takes stance and grounds the club, as otherwise in hazards the ball is addressed once the player takes stance.

When a player is taking suggestions on the choice of club to be used or the stroke to be offered will be considered as an” advice”. On the other hand, if the player is checking about the position of the flagstick or the hazards or any rules of the game will not be deemed as advice.

Once the player has offered a stroke, on the tee, the ball is “in play”. It is in play until it is holed out, or lost or has been hit out of bounds or lifted or has been replaced with another ball.

The person who carries or handles the players clubs is called a “caddie’. One or more players use one caddie; but he is considered to be employed by the player whose ball is involved in play. A “forecaddie” is an outside agency, employed by the tournament committee. His role is to indicate the position of the ball to the players.

Each of these terms and definitions are linked with rules of the games also.

Electricity4business continues to serve customers with free online news service

Electricity4Business is a company that stands by the customer's right to make informed decisions. In any market, I believe that means providing honest information and fair prices without any hooks or tricks. Part of that is keeping customers informed and building a reputation for honesty from the ground up. In addition to focusing on guaranteeing high levels of service and competitive prices, we have created a website offering a wealth of useful advice on improving electricity efficiency, switching suppliers and understanding the divisive small print written into contracts. Our daily news feed is the final piece in the jigsaw.

There is plenty of news out there too. Electricity and energy are hot topics right now, with the threat of global warming becoming more real every day and the "big six" inflating prices to allow their "fat cats" to cream off the profits. Our recently launched free service keeps consumers and market-watchers up-to-date with the latest developments in the electricity business, from every possible angle.

The feed, which can be viewed without registering, is split into seven categories, spanning issues as diverse as climate change and electricity pricing. Electricity4Business posts two or three original stories every day, covering all the hottest energy-related topics. The short bullitins from around Britain and the world sum up the latest trends and developments in the market and enable visitors to the website to stay informed about wholesale price fluctuations, EU and UK government policies, energy efficiency and environmental issues. The feeds are also available in RSS format so users can stay in touch without visiting the site every day.

Those people that have found themselves tied into expensive long-term contracts will know the importance of keeping up-to-date with the electricity market. I like to think this news service will save people money, while highlighting key environmental, competition and efficiency issues.

It's all part of the E4B service. Business electricity customers can compare & switch immediately online at electricity4business. co. uk

The benefits of taking an online guitar lesson

The Internet is expanding at such a fast pace and it is truly amazing that there are so many services and products available. People can essentially discover any item or information they want by simply entering a search with a search engine. From research to shopping, the world of the Internet has stretched our abilities to get things done from the comfort of our own homes.

One great option available is Internet learning. This opportunity allows people to obtain education on a variety of subjects without ever leaving the house. One option for this style of learning is musical education programs. In many cases these classes are actually better than lessons with live instructors. There are many great reasons why you should consider signing up for a online guitar lesson series.

By downloading a program right onto your computer you will be able to control the pace at which you learn. We are starting to understand that not everyone learns in the same manner or at the same rate. That is why self directed learning is becoming a popular option. This style of learning allows the student to tailor their lessons to specifically meet their own unique needs. An online guitar lesson provides the flexibility to do exactly that.

Learning from home also allows the student to pick and choose the lessons they would like to complete. This means that these courses can be tailored to any skill level and can accommodate students who have had an unbalanced education in the past. It also means that these courses can be altered to fit every musician’s unique set of goals. Whether you are taking an online guitar lesson for fun or to become a pro, you will be able to find what you need when you need it.

Another benefit of home based learning is that the student is able to take their lessons whenever and wherever they choose. Unlike teaching studios that offer lessons only during set hours, Internet courses can be accessed at any time of the day or night. This means that people who have irregular schedules, such as those who do shift work or have children, will be able to take an online guitar lesson whenever it is convenient for them.

Learning over the Internet creates an opportunity for people to access programs that would otherwise not be available to them. By enabling students to learn at their own pace and at their own convenience, these programs truly provide great advantages that cannot be found offline.

A perfect place to look when searching for an instructional program is at guitarcoaching. com. This site offers Mike Hayes’ Express Guitar program. This program provides professional advice and strategies for all levels of musicians. While visiting the site, also be sure to take advantage of the comprehensive FAQ webpage that offers in-depth answers to some of the industry’s most pressing questions.

Evening activities for a stag weekend in bristol

Ah, Bristol! If any city deserves the name of Home of Comedy, it must be Bristol. Home to Jongleurs and Jesters, a pair of world-class comedy clubs, and birthplace of Lee Evans, Justin Lee Collins and laughing gas, Bristol offers some unique possibilities for stag weekend activities. A Bristol stag weekend can combine an afternoon of paintballing, quad biking or five a side with an evening of carousing and comedy at one of Bristol's rightfully famed comedy clubs.

The traditional stag night of strippers and lap dances has more recently been replaced with an entire weekend's worth of 'guy fun', often away from home so the scandalous naughty doings don't trickle back to those who might care. If you're planning a stag weekend for an upcoming wedding, a Bristol stag weekend offers many possibilities for memorable, unique stag activities. Among the many Bristol stag weekend activities that you might include are:

:: Quad Biking at a Bristol course

- An obstacle course run on quad bikes can kick off a stag weekend in Bristol with a bang. Get dirty, get the blood pumping and get the testosterone primed for a night on the town later.

:: Assault Course

- River rafting - upstream? A Bristol stag weekend favorite is an assault course that pits your team against the river - and other teams on a home-built raft made of articles bought in a 'ship's store'. It's another blood-raising activity that will prime the pumps for a hot night on the town later.

:: Bavarian Bierkellar

- Instead of a nightclub, take the Stag out for a beer-filled night at a mini-Munich Bierfest. With oversized steins of the best brews in the world, and lots of raucous fun, it's a Bristol stag weekend standard.

:: Comedy Club

- Bristol is the home of comedy - and the comedians that play the Bristol comedy clubs are past masters at pointing the finger at stags out celebrating their last nights of freedom. No Bristol stag weekend would be complete without a night of gut-busting howlers at a Bristol comedy club.

That's just a small handful of the activities that a Bristol stag weekend might include. You'll find more ideas at the Bristol Board of Tourism web site, or from a UK tour operator and event organiser.

Essential skin care products for men

More often than not, when we are discussing skin care products, the ensuing conversation tends to focus on products for women. Although most skin care products are designed with women in mind, there is a growing market for quality skin care products for men. A number of forward thinking companies have acknowledged this untapped market, and have released a number of products designed for men. I recently reviewed some of these products, with the help of a male friend. The following are some of the best in skin care products for men.

Neutrogena has released an excellent line of products, available in two specific product categories; Skin Clearing and Razor Defense. The Skin Clearing line is designed to help men that have problems with Acne. This category includes a facial wash, shaving cream, and an after shave astringent. The Razor Defense series is intended for use by men with no specific skin conditions and includes a gentle face scrub, shave gel, and face lotion. They all have a fresh, clean smell and are highly effective.

Aveda also offers some wonderful products for men. Their products are designed with the highest quality standards, and they include a number of certified organic ingredients. The Rosemary Mint Shaving Gel is absolutely incredible. It has organic lavender, marjoram, peppermint, and rosemary in it. It also has coconut-derived moisturizers that assist in providing a smooth, friction-free shave. Aveda also has a shampoo/body bar that provides an invigorating wash. It is made with coconut and almonds, both of which are very good for your skin.

We also sampled a number of fine products from Jurlique. We purchased the Men's Deluxe Travel Kit which included shaving gel, foaming face cleanser, antioxidant moisturizer, moisturizing lotion, as well as shower and shampoo gel. The travel kit even came with its very own face towel! All of the organic ingredients in these products are grown in southern Australia, and they are included in these products using a unique biointrinsic extraction process. Jurlique is a wonderful company with some excellent products that come highly recommended.

There are a lot of quality products on the market for men. I would recommend trying a number of different products, in order to find the one you like best. While using quality skin care products may not be a significant priority for men, we hope that through education and insightful information this will change. Men may not care to learn the truth about eye creams, but they should care about taking care of themselves. Ladies, perhaps you could give them a helping hand?

Diamond replica jewelry affordable jewelry

A diamond is considered to be women’s best friend. But having this best friend is not an easy affair. One needs to shell out a huge amount for it. In that case, diamond replica jewelry comes as an easy way out. It is exactly the same as real diamond jewelry, but the only difference is that it is a replica. Diamond replicas have also become a rage these days. The beautiful diamond jewelry worn by famous personalities becomes a fashion statement and comes in the market as diamond replica jewelry.

Besides diamond replica jewelry, you can also go for some real diamond jewelry. You can get some of the unique designs in real diamond jewelry. There are some of the best designs in diamond rings. A diamond engagement ring is the best you can give to your fiancй. Diamond rings and bands are also ideal as a gift. Fine diamond jewelry must be the main priority when buying diamond jewelry. A diamond is also said to be forever, so even if you buy it generally it will be a treasured possession.

Diamond is one of the Indian astrological stones. Many a times, a diamond is prescribed for astrological reasons. Amongst all the gemstones, diamond is considered to be the most expensive. If you want to wear a diamond for astrological reasons a diamond ring appears to be the best option. A diamond is said to add its sparkling rays in a positive manner to your life.

Diamond bracelets and diamond bangles are also very beautiful and add a beauty to your wrist. Diamond necklace jewelry and diamond necklace sets spread sparkling rays all over you. So you can also get the diamond rays sparkle over you and on others by having diamond jewelry. Then you can make others jealous of your style by wearing a diamond necklace set or diamond bangles or even a diamond bracelet. Diamond is the in-thing lady. So get it and flaunt it. But why should men be left behind in this race. There are beautiful diamond rings, bracelets and studs for you.

When it comes to diamond replica jewelry or real diamond jewelry, Jaipur Jewelers are the leaders in the field.

Solar panels and the irs

Solar panels seem to be an excellent way to generate less costly electrical power. They seem a good way to heat water, as well as the air inside homes.

Solar panels and the IRS should be friends, since the government purports to be seeking alternative energy sources. The U. S. government should give tax credit to those who invest in solar panels. But does it?

The value of solar panels in the IRS' eyes is shown in the Energy Policy Act of 2005 for Individuals. In 2006, inflation adjustment figures were given, but the act remains basically the same.

Energy Policy Act of 2005 for Individuals (EPACT) - Summary

Individuals can make energy-conscious purchases, and receive tax benefits for doing so. The law provides tax credits for making your principal residence, which must be in the U. S., more energy efficient. It also gives tax credits for buying specified energy-efficient items, including alternative motor vehicles such as hybrids.

Solar panels, says IRS, will earn tax credits if they are on your main home, and that home is in the U. S.

Most of EPACT remains in effect throughout 2007. Many think it will be renewed or expanded in 2008.

Detail Regarding Solar Panel Tax Credits

The Energy Policy Act of 2005 makes a tax credit available to those who add qualified solar panels to their homes in the U. S. The IRS allows one credit equal to 30 percent of the qualified investment in a solar panel up to a maximum $2,000 credit. The IRS also allows an equal credit for investing in a solar water heating system. You could credit of up to $4,000, $2,000 for solar panels, and $2,000 for solar water heating.

Whether you add solar panels or a solar water heating system, you cannot use any part of it to heat a hot tub or swimming pool.

Solar panels, for IRS tax credit qualification, must be placed in service between December 31, 2005 and January 1, 2008.

State Rebates or Tax Incentives and the IRS

You may find that your solar panels are eligible for state rebates or tax incentives. Your state’s energy office website may have more information on that. If your state or utility does give incentives for installing solar panels, the IRS tax credit applies to the basis remaining after you have taken state incentives.

Example: Your $10,000 solar panel array receives $5,000 in state tax incentives. It would then be eligible for a credit equal to 30 percent of $5,000. Your Federal IRS tax credit would be $1,500.

To locate any tax incentives your state may offer, simply search on the state name with the words solar incentive, without quotation marks.

Wouldn't a Tax Deduction Be Better than a Tax Credit?

Normally speaking, a tax deduction is less valuable to you than the same amount of tax credit. A tax deduction takes away a percentage of the tax you owe the IRS. But a tax credit reduces your tax, dollar-for-dollar.

Solar Panels absent IRS Credits

Even if EPACT had not been signed into law, and the IRS offered no tax credits, solar panel installation could still be a wise investment. Many find that a solar panel array pays for itself within 3 to 4 years. They then save money on electricity for many years with little maintenance.

So, while tax credits are welcome, you may still want to do more research into the potential savings of solar panels.

Disclaimer: Please note that the author is not a tax professional and cannot offer you tax advice. The information above is for educational purposes only.

What s the difference between alzheimer s and dementia

"What's the difference between dementia and Alzheimer's?" It's a common question, and doctors are some of the best at confusing us. Physicians seem to prefer the word "dementia," possibly because Alzheimer's has become such a loaded word. "Dementia" somehow sounds less frightening to many people, and now even the experts have started using the words interchangeably.

They aren't interchangeable. Alzheimer's Disease and dementia are two very different things.

Dementia is a symptom. Pain is a symptom, and many different injuries and illnesses can cause pain. When you go to the doctor because you hurt, you won't be satisfied if the doctor diagnoses "pain" and sends you home. You want to know what is causing the pain, and how to treat it.

"Dementia" simply means the symptom of a deterioration of intellectual abilities resulting from an unspecified disease or disorder of the brain.

Alzheimer's Disease is one disease/disorder that causes dementia. Many other illnesses or "syndromes" can also cause dementia. Parkinson's Disease can cause dementia. A stroke can cause dementia. Even dehydration can cause dementia.

Many of the things that can cause dementia are treatable, even potentially curable.

If you have taken your elder to the doctor and received a diagnosis of "dementia" you haven't received a diagnosis at all. Unless you know what is causing the dementia you can't begin to treat it's root cause.

If your physician has diagnosed "dementia" it's time for a second opinion. You are probably dealing either with a physician who is not comfortable with the truth, or one who doesn't know how (or doesn't want to bother) to differentiate between all the possible causes of dementia. Either way, a skilled geriatrician or a neurologist who is comfortable with seniors would be a good place to start.

How to check an ebay seller s reputation and why you should do it

When you buy something from an eBay seller, you are giving them your money and hoping that you will get something in return. However many guarantees of safety eBay might make to you, nothing is certain: if you just give your money to scammers all the time without doing any checks then the chances are you won’t get all of that money back.

That’s why you should always check the seller’s reputation, or ‘feedback rating’. This is a quick and easy-to-read summary of their history as an eBay seller, which gives you some idea of whether or not you should trust them with your money. Buying anything is a calculated risk: you want to minimise that risk.

How to Check Feedback Ratings.

On each item’s description page, there is a box in the top-right hand corner about the seller, with the title ‘Seller information’. This contains the seller’s name, their feedback score, and their positive feedback percentage, as well as any stars they have earned.

Different coloured stars are given to eBay sellers depending on their rating, in this sequence: yellow, blue, turquoise, purple, red, green, shooting yellow, shooting turquoise, shooting purple, shooting red. Anyone with a ‘shooting’ star is an experienced eBay member who you should be able to trust.

If you click on the seller’s name, you can get to a more detailed view of their reputation – their ‘member profile’ page. This page shows the total number of people who gave them a positive or negative rating, as well as a breakdown by time. You can also see a complete history of all the comments that have ever been left about them, with the most recent first.

What to Look For.

You might assume that anyone with a very high number can be trusted, but that isn’t always true. It is more important to look at their positive feedback percentage – and you should really consider anything below 99% to be a red flag and investigate further.

Take a look through the first visible page with the most recent transactions: are there any negative comments? What do they say? Take others’ experiences into account, as they could happen to you if you deal with this person. Be careful not to punish sellers unfairly, however, if they did bad things in their past on eBay but have improved since. You should look at the breakdown by time and ignore any negative feedback that was left a long time ago. Equally, though, you should sit up and pay attention if a seller seems to have been left an out-of-character amount of bad feedback in the last month or so.

Now that you know who to trust, it is worth learning a little more about how the different kinds of auctions work, so that you don’t accidentally slip up and make yourself and your feedback page look bad. Our next email will be about the different kinds of auctions you can expect to encounter during your time on eBay.

White picket living - build your dream fence

People employ fences for many reasons. There are those who do so for security, noise reduction and boundary definition purposes. There are also those who feel that well-designed fences are stylish additions to the landscapes of their homes. Whether for security or for aesthetic reasons, fences are the best way to go. Adding fences to a particular property can definitely enhance your quality of life and the value of your home.

1. Fence Material 101

There are many types of fences that can be chosen from by those who are thinking about acquiring their own. These include wood fencing, vinyl fencing and ornamental fencing. Wood fencing is traditional, functional and aesthetically pleasing while vinyl fencing has timeless styling and is more intricate than wood fencing. Ornamental fencing, in turn, is high quality, elegant and high in toughness and strength. Among these three, it is wood fencing which is the most popular. This is because it combines both function and fashion in one single entity. There used to be a time when fences such as these were built entirely from scratch by those who want white picket fences for their homes. These days, however, preassembled fence panels which make fence construction faster and easier can be availed of from the market with no hassle at all.

2. Fence Panels And Styles

The market has many different fence panels available to suit all tastes. These fences differ in detail and are uniquely designed so that not one is the same with the other. There are, however, three major preassembled fence panel styles for people to choose from. These include the solid, the spaced picket and the shadowbox fence panel styles.

3. Solid Style

The style referred to as solid is that which is used as containment fencing. This style allows for complete privacy and is commonly used to surround swimming pools and divide property lines. The solid style is also used to hide unsightly areas or major roadways from view. Fences with solid styling generally use very closely-spaced pickets that vary in style, two of which include the basic dog-ear style and the pointed top or elaborate design.

4. Picket Style

The style referred to as spaced picket is that which is ideal for keeping children and pets in defining boundaries. This style also allows fences to wear a distinctive look and aesthetic appeal. Fences that sport the spaced picket style are generally shorter than those that sport the solid style. The advantage this styling has over all the others is that the fences which it employs do not completely block view from the surrounding area.

5. Shadowbox Style

The style referred to as shadowbox uses alternating panels across the back and front. This is to be able to give the fence the same look on both sides. The shadowbox is an ideal fence style for the reason that people from the other side have a pleasant view of the fence as well. Fences that sport the shadowbox style are taller than usual and have the look of full containment while allowing more air circulation.

6. Durability

In buying durable fences intended to endure all storms, it is important to pay special attention to the materials that the fences themselves are made of. The mark of quality found in these materials hold a very special bearing on the fences that they make up. For wood fencing, it is important that the fences themselves are made of the right kind of lumber. Wood fencing treated with paint, stain or waterproofing sealer as well as those which employ weather-resistant galvanized nails and exterior screws are those which should be considered by people who want to acquire fences that are meant to last for eternity.

7. Make It Last And Save Money In The Long Run

Perhaps the most excellent bit of generic advice that anyone can be given as far as buying fences is concerned is that one should buy the best he can afford. Paying a significant premium for the best and the real top of the range stuff allows one to own fences that will not wear or break much faster than intended. This is particularly true for wood fencing, because it is more popular and has the tendency to be particularly abused. Wood fencing is that which is much more consistent as far as standard is concerned and is assured to outlive those which purport to be stylish but do not have the capacity to last a day anyway.

Can a neurotransmitter imbalance be causing your mood problems

Neurotransmitters are powerful chemicals that regulate numerous physical and emotional processes such as cognitive and mental performance, emotional states and pain response. Virtually all functions in life are controlled by neurotransmitters.

Interactions between neurotransmitters, hormones, and the brain chemicals have a profound influence on overall health and well-being. When our concentration and focus is good, we feel more directed, motivated, and vibrant. Unfortunately, if neurotransmitter levels are inadequate these energizing and motivating signals are absent and we feel more stressed, sluggish, and out-of-control.

Disrupted communication between the brain and the body can have serious effects to ones health both physically and mentally. Depression, anxiety and other mood disorders are thought to be directly related to imbalances with neurotransmitters. Some of the more common neurotransmitters that regulate mood are Serotonin, Dopamine, and Norepinephrine.

Serotonin imbalance is one of the most common contributors to mood problems. Some feel it is a virtual epidemic in the United States. Serotonin is key to our feelings of happiness and very important for our emotions because it helps defend against both anxiety and depression. You may have a shortage of serotonin if you have a sad depressed mood, anxiety, panic attacks, low energy, migraines, sleeping problems, obsession or compulsions, feel tense and irritable, crave sweets, and have a reduced interest in sex. Additionally, your hormones and Estrogen levels can affect serotonin levels and this may explain why some women have pre-menstrual and menopausal mood problems. Moreover, stress can greatly reduce your serotonin supplies.

Dopamine and Norepinephrine are responsible for motivation, energy, interest, and drive. They are associated with positive stress states such as being in love, exercising, listening to music, and sex. These neurotransmitters are the one’s that make you feel good. When we don’t have enough of them we don’t feel alive, we have difficulty initiating or completing tasks, poor concentration, no energy, and lack of motivation. Low neurotransmitter levels drive us to use drugs (self medicate) or alcohol, smoke cigarettes, gamble, and overeat. For many years, it has been known in medicine that low levels of these neurotransmitters can cause many diseases and illnesses. A neurotransmitter imbalance can cause Depression, anxiety, panic attacks, insomnia, irritable bowel, hormone dysfunction, eating disorders, Fibromyalgia, obsessions, compulsions, adrenal dysfunction, chronic pain, migraine headaches, and even early death.

What causes neurotransmitter dysfunction?

• Prolonged periods of stress can deplete neurotransmitters levels. Our fast paced, fast food society greatly contributes to these imbalances.

• Poor Diet. Neurotransmitters are made in the body from proteins. Also required are certain vitamins and minerals called “cofactors” If your nutrition is poor and you do not take in enough protein, vitamins, or minerals to build the neurotransmitters, a neurotransmitter imbalance develops. We really do think and feel what we eat.

• Genetic factors, faulty metabolism, and digestive issues can impair absorption and breakdown of our food which reduces are ability to build neurotransmitters.

• Toxic substances like heavy metals, pesticides, drug use, and some prescription drugs can cause permanent damage to the nerves that make neurotransmitters.

• Certain drugs and substances such as caffeine, alcohol, nicotine, NutraSweet, antidepressants, and some cholesterol lowering medications deplete neurotransmitter levels leading to neurotransmitter imbalances.

• Hormone changes cause neurotransmitter imbalances

Testing is now available to detect Neurotransmitter Imbalances.

Basing a treatment on symptoms alone (traditional medicine) will not provide the information needed to address the underlying imbalance. A visit to a doctor or practitioners office for depression involves telling them how you have been feeling emotionally. The typical depressed person leaves the office with a prescription for an antidepressant without ever having any conclusive laboratory evidence of what is causing their symptoms. New sophisticated equipment and tests are now available to evaluate neurotransmitter imbalances using a urine or blood sample. This provides a neurotransmitter baseline assessment and is useful in determining the root causes for diseases and illnesses such as those mentioned above. Laboratory analysis can now provide precise information on neurotransmitter deficiencies or overloads, as well as detect hormonal and nutrient co-factor imbalances which influence neurotransmitter production. Individuals require individual solutions. Testing helps to determine exactly which neurotransmitters are out of balance and helps to determine which therapies are needed for an individualized treatment plan. It also helps in monitoring the effectiveness of an individual’s treatment.

Treatment

Nutrient therapies greatly increase the levels of neurotransmitters that a person has been found to be deficient in. Studies have shown that it is both safe and effective. These nutrients will cross the blood brain barrier into the brain where they will be synthesized into neurotransmitters and this will raise the number of neurotransmitter molecules needed by the brain. They are prescribed according to the results of laboratory testing giving the imbalanced person a more individualized plan of treatment.

Prescription drugs such as antidepressants do not increase the overall number of neurotransmitter molecules in your brain, they merely move them around or stop the breakdown. If your levels are too low to start with, medication may work initially, then “poop out” or not work from the beginning. There is also the issue of side-effects and more recently the FDA warning that SSRI antidepressants could cause suicidal thoughts in some children, teens and adults.

There are specialized nutrient formulas which help antidepressant medications work more effectively. Under the supervision of a trained practitioner these treatments may be used in addition to the persons existing medication to boost their effectiveness or to target another neurotransmitter that is also causing symptoms. Many antidepressant or anti-anxiety medications just target one neurotransmitter but many mental health disorders involve multiple neurotransmitters.

Shopping online for the holidays don t get ripped off

We are quickly approaching that time of the year where the Internet pays off in spades – the holidays. Here’s a primer on protecting yourself while buying online.

Avoiding the Malls

I hate going to the malls during the holidays. They are packed with people, elbows are flying and I inevitably get in line behind the person who needs a price check or lost their checkbook. Thankfully, the Internet has largely solved this problem.

Millions of people now do most or all of their holiday shopping online. Frankly, it is hard to imagine how many brick and mortar stores stay in business. While shopping from your desk is great, you need to keep in mind the following legal cautions.

Don’t Buy Off An Email

In a few weeks, you are going to get bombarded by emails from businesses. Unfortunately, there is no way to be sure the email messages are actually from the business in question. Phishing scam artists have become masters at kicking out email messages that look extremely authentic. If you get an email message and want to visit a site, do not click the link in the email message. Instead, type the site domain name directly into a browser or find it through a search engine. Doing so will get you to the real site, not a fake.

Credit Cards

Most people have multiple credit cards and use them willy nilly. When shopping online, try to limit all of your charges to one credit card that doesn’t have a massive credit line on it. Also, print out all receipts. If a scam artist gets a hold of your credit card information, this should limit the damage. When you receive the credit card statement, make sure to check the charges against your receipts. If you find unauthorized charges, report them immediately.

Delivery Times

Sites selling products online have to comply with “prompt delivery” rules. To this end, sites are encouraged, but not required to tell you how long it will take to deliver products. In addition, they absolutely must deliver within 30 days unless stated otherwise on the site. When ordering gifts, make sure you note how long it is going to take to receive the item. If you are going out of town, make sure you keep the departure date in mind before you leave.

The Internet is a godsend when it comes to avoiding the stress of holiday shopping. Just keep an eye on those credit card statements!

College bound 6 tips for a pain-free move

Moving away to college, with all of your possessions in tow, is more than just a headache. It also can be a pain in the neck, back and legs.

Constant lifting and carrying heavy items can overwork your muscles and leave your body stressed, fatigued and in pain. W. F. Young Inc., the maker of Absorbine Jr. pain relief products, offers the following tips to help you alleviate the aches and pains of moving.

* Pack efficiently. Suitcases not only are heavy and cumbersome, they also pose a storage problem in a small dorm room. Pack clothes in laundry bags or trash bags instead. Laundry bags can be folded and stored and trash bags can be thrown away after they are unpacked.

* Use a cart or dolly. Many universities provide carts that students can use to move their possessions into their dorm rooms. The carts are in high demand, however, so there often is a long wait to use one. Purchase a dolly from a home improvement store and avoid the lines.

* Lift with care. Before you lift a heavy item, stand with your feet apart and firmly planted on the ground. Bend your knees and use the power of your legs to lift the object.

* Take breaks. Don't overextend yourself. Taking frequent water breaks and sitting down for a couple of minutes will help you regroup throughout the day.

* Don't do it alone. Take this opportunity to make new friends. Ask your roommate or neighbor for help moving furniture and other heavy items around your room. In turn, ask if he or she needs assistance.

* Plan for pain relief. To treat sore muscles, bring along an over-the-counter product such as Absorbine Jr. This pain relief liquid contains botanical extracts and helps relieve aches, strains and minor arthritis pain.

This antiseptic also is great for college students to have on hand for occasional scrapes, cuts and bruises and to treat the itch associated with athlete's foot.

Negotiating life s detours follow your energy

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Someone asked me recently if I had a guiding principle that helped me decide what new work to take on, and how I decide how much time to spend pursuing my various interests. It's a great question. Entrepreneurs have an idea a minute, and it's often difficult to know which ideas to invest time in. A mentor of mine gave me this principle some years ago, and I try to live by it.

Go where your energy is strong.

Does the path you're on give you energy just thinking about it? Then follow it. If it doesn't, consider a new direction.

Easier said than done, perhaps, but you can start with small steps. Do you love to sing (write, play tennis, carve wood) but find you don't make time for it? Find a teacher and begin lessons, or block out an hour twice a week to practice or engage in the activity. Is your life of work not fulfilling at the moment? What one change can you make that might release your energy? Maybe you need to have a conversation with your boss or staff, review priorities, or ask for a change that would make you look forward to walking into the place where you spend a third of your life, instead of dreading it.

Even the right path has detours from time to time. Subject each new direction to your energy test. Is it strong? Do you wake up mornings eager to begin? When you're doing this activity, do you forget where you are and what time it is? This is what it means to go where your energy is strong. This principle makes decisions a lot easier and keeps you on the road that's right for you.

Where is your energy strong? Take a moment now to consider the ways in which you spend your energy each day.

• How much of it is on target, and how much of it is not?
  
• In what ways do you know when you're headed in the right direction?
  
• Do you have a vision that guides you?
  

Sit for a few minutes each morning, close your eyes, and visualize what you want in your life. It is time well spent. Good ki!

Casino aquatique bienvenue dans le monde des croisieres

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Retrouvez tout le prestige de votre serie favorite combinant Las Vegas a la Croisiere s'amuse, pour quelques jours ou quelques semaines, en couple ou en famille!

Pour les amoureux des Caraibes, montez sur l'un de ces navires:

Empress of the Sea, l'un des plus prestigieux. Vous offre pour de bons petits plats le Restaurant Carmen et Windjammer Cafй, puis digestion au sein des salons Pub Caroussel, Pool Bar, Salon High Society, Salon Viking Crown. A Bord, divertissez vous:Centre de remise en forme, Ping pong, Piste de jogging, Mur d'escalade,2 Piscines extйrieures, 4 Jacuzzis dont un intйrieur, Casino et decouvrez ses nombreux jeux tels la Roulette Americaine sans oublier sa Discothиque, Salle de spectacles, Salle de cartes, Cafй internet.
Ce navire vous propose une croisiere inegalabe depuis San Juan:Caraпbes - Antilles, pendant 11 jours. Faites une escale a San Juan, Saint Martin, Saint Johns, Basse-Terre, Castries, Bridgetown, en mer, Isla Margarita, Willemstad, Oranjestad, en mer, pour revenir a San Juan.

Explorer of the Seas: Decouvrez pendant 7 jours le Mexique, Miami en mer, Belize City, Costa Maya. Services similaires a l'Empress. Pur votre bien etre: Salon de beautй, Complexe thermal complet, Sauna, Spa, Solarium.. Alors faites vous chouchouter. Au niveau des loisirs, profitez donc de la diversite, osez melanger culture a farniente grace aux :3 Piscines, 5 Jacuzzis, Casino, Discothиque, Salle de spectacles, Salle de cartes, Cafй internet, Le thйвtre sur 3 ponts qui propose des productions dans le style de Broadway.

Majesty of the Seas: en partance de Miami, profitez d'une croisiere de 4 jours pour vous echapper aux Bahamas , Cocoay, Nassau, Key West et Miami.

Adventure of the Seas: en partance de SAn Juan, profitez d'une croisiere de 7 jours pour une escapade a Oranjestad, Oranjestad, Willemstad, en mer, Philippsburg, Charlotte Amalie, San Juan.

Sovereign of the Seas: plus riche que les precedants en matieres de loisirs pour enfants: au club Adventure Ocean, les enfants beneficieront des activitйs а la fois йducatives et rйcrйatives (de 3 а 17 ans)
Le FantaSeas Teen centre propose quant a lui une large variйtй d'activitйs pour les ados telles que les chasses aus trйsors ou repas pizzas. Au niveau de votre detente personnelle, vous retrouverez egalement le Shipshape center avec sauna, bains turcs, massages et salon de beauй
centre mйdical а bord.

Grandeur of the Sea. Presente les memes services que ses compatriotes. Laissez-vous charmer par la musique du pianiste au Schooner Bar, ou tentez votre chance au Blackjack dans leur casino. Allez voir un show faзon Broadway dans une salle impressionnante sans vous dйplacer

Enchantement of the Seas:dispose de 2 restaurants principaux qui sont le My Fair Lady Dining room et le Windjammer Cafй. Les services presentes ci-dessus se retrouve egalement sur ce navire, casino inclus.
Pour une croisiere de 4 jours, decouvrez le Mexique au travers des escales suivantes:Fort Lauderdale, Key West, Cozumel, en mer, Fort Lauderdale. A ne pas en croire ses yeux. A moins que le comfort et le charme de ce navire vous eblouisse au point de ne vouloir debarquer...