Sedu reviews - which hair type suits sedu

It’s no doubt you have heard about the new sedu hair straightener and the wonderful reviews it has been receiving, but you may still be wondering if the sedu hair straightener is right for your hair.

Everyone has different hair, from wavy, frizzy, and curly, so is the sedu hair iron suitable for all hair types? Looking at the hundreds of sedu reviews that are available on the internet it seems that the sedu hair straightener has been designed to tackle all hair types including curly, wavy, and frizzy out of control hair.

The sedu hair iron rose to fame after numerous celebrities were spotted sporting sedu hairstyles. We are all familiar with the Jennifer Aniston sedu hairstyles and the Jennifer Lopez sedu hair styles, but what about the average ordinary person; can these results be achieved without a professional hairstylist?

Having browsed through the numerous sedu reviews on the internet it seems that the sedu hair straightener is easy to use compared with other straightening brands and it cuts the straightening time by up to a half. There are also no chemicals used which is another bonus when it comes to the health of your hair. The sedu reviews claim that this sedu hair iron works on all hair types thanks to its different temperature setting which can be adjusted to suit the individual hair type.

All the sedu reviews stated the same fact, that this hair iron works, and cuts the straightening time by half when compared with other hair straightening models. Of course just like all the other hair straighteners on the market, practice does make perfect and only by using the sedu hair straightener regularly will you become an expert.

With this in mind it is worth saying that if you purchase a sedu hair straightener assuming that you will have those perfect celebrity sedu hairstyles, you will be disappointed, but in time and after some practice it is safe to say that those celebrity sedu hairstyles can be yours.

Travel insurance is it necessary

So you want to leave the homeland for a while, see the sights, take the pictures, or perhaps, do some business. You’ve packed the swimming trunks, the extra layers, the hiking boots, the sun screen, but the question remains: is your medical insurance traveling with you? What happens if you get to Brazil like you always wanted to, and then, in a freak spilled mojito accident, you break your ankle? What if the escargot from that charming Parisian restaurant reacts badly with your American digestive system, and you are suddenly in the throes of the worst food poisoning you’ve experienced in your life? It is no small matter; according to the US Center for Disease Control and Prevention, one half of US travelers heading to another country will experience some sort of health problem while abroad.

Ever since the Michael Moore film, “Sicko,” came out, we all know that many other countries (well, specifically France, Canada, and Cuba) provide affordable, sometimes free, healthcare to their citizens, but how does it work for us, Americans, abroad? Well, the truth is, unless you make special preparations, the outlook is not good. According to worldwidemedical. com, “most US insurance companies, HMOs, PPOs or Medicare [plans] do not provide adequate medical insurance.” There may be exceptions, and you should look into the fine print of your plan, but every major US health insurance providers suggests getting some form of traveler’s insurance. Unfortunately, there is no foreign country that provides free health care for travelers.

Travel insurance plans provide three types of coverage: for medical care when abroad, the cost of emergency medical evacuation, and reimbursement for sudden trip cancellations and lost luggage.

Should you require medical attention while abroad, most insurance companies provide support in the form of emergency hotlines. They will advise you on the best hospitals in the area, as well as the ins and outs of the local systems. It is strongly advised that, if possible, you consult your provider before seeking medical attention in a foreign land. Also, insurance providers warn that most third world countries’ hospital systems require payment upfront for services rendered. This fee would be reimbursed by the plan.

The most pressing concern is the case of an emergency medical evacuation from a foreign country back to the US. Evacuations are necessary when a very serious medical condition arises, and the traveler/patient must be transported back to the care of his/her primary care physician or a home-based expert. This can cost upwards of $10,000 as it is a coordinated effort between several hospitals and at least one airline. Most travel insurance plans provide the option for specific coverage for this contingency.

Another aspect to consider when traveling abroad, is the cost of sudden cancellations, or changes in travel plans as a result of medical or other emergencies. In an era when airline companies are logging record numbers of lost luggage, this aspect of travelers insurance provides reimbursement for the purchase of clothes and other necessities. In this sense, you could come out a winner: imagine an ‘emergency’ shopping trip at the fabulous designer stores of Milan.

So, whether you are planning a road trip to Canada, or a fourteen day hike in Machu Pichu, pack some warm socks, swim trunks, and your new friend, Mr. Traveler’s Insurance.

Free forex software

Free Forex software is possible to obtain. It is usually a one months trail basis.

This gives you a good chance to see if you like it and if it can help you profit. It is an ideal way to use Forex software without risking any outlay.

There are numerous internet sites which are providing different software programs that can allow the traders to do forex trading. However, make sure that the software has accuracy.

When you acquire a certain software as your tool, try it first. Allow dry runs or testing especially when decision making is concerned. There are lots of forex trading sites that are offering trial runs of their products.

The software can determine the currency rates each day. Besides this useful task, some software also helps the trader by analyzing data and predicting market behaviors. It can also involve graph utilization which shows the rising and falling of currencies.

There are various security layers that would be difficult for hackers to crack into. This security is much needed when huge traffic volumes occur in the forex market.

The general security of the forex trading software ensures that the personal data of the traders are also protected. The two things being considered are data integrity and privacy. This will prevent the hackers from getting into the transaction for a possible change in forex rates. Hackers can change rates in huge amounts putting the business in chaos which can crash global markets.

Forex trading software allows the traders to see the entire forex markets conditions at once. It helps in increasing forex sales volumes in the market. Take note, forex market can be sometimes difficult to determine.

You need to understand every detail to select the best to make it work for you. As much as possible, learn the latest forex trading software and apply it. The software is considered as two-in-one. It includes both the trading software and charting software. Excellent profits are not impossible to gain if the traders are able to interpret these correctly.

Although forex trading is very popular today, make sure that you employ the right software in order to reach your goal. The advantages of software programs that were mentioned above are useless if it is not properly reviewed. Remember that web technology continuously increases in popularity becoming the latest trading avenue.

There are numerous internet sites which are providing different software programs that can allow the traders to do forex trading. However, make sure that the software has accuracy. When you acquire a certain software as your tool, try it first. Allow dry runs or testing especially when decision making is concerned. There are lots of forex trading sites that are offering trial runs of their products. The software can determine the currency rates each day.

Besides this useful task, some software also helps the trader by analyzing data and predicting market behaviors. It can also involve graph utilization which shows the rising and falling of currencies.

Upon subscribing to a site on forex trading, secure transactions can be already attained.

You can now have an access to the different markets of sellers and buyers worldwide. It is not difficult to conduct business transactions regardless of time as long as it is still market hours. Novice traders should not worry. They can add services such as accessing the expert’s sites for advice. These experts help the traders in analyzing the behavior of the market. Later on, the traders can be able to make wiser decisions regarding the best currency to trade and be successful.

Forex trading software is really the foundation for making good profits from Forex on a regular basis.

Bad credit county court judgements explained

Having a County Court Judgement or CCJ issued against you will have a severe impact on your credit rating, as it signifies that you have had serious problems paying back a loan or other form of credit, to the extent where your creditor has had to take court action against you to try and recover the debt.

If you get into arrears and fail to come to a repayment agreement, your creditor may decide that pursuing a CCJ is the only option. The first you'll hear about it is when you receive a 'Claim Form' through the post, sent to you by the county court. This form will set out the details of the claim, including who the creditor is and how much they say you owe them.

If you were unaware of the debt, for instance if you'd moved house and lost contact with the creditor, then repaying the full debt now will stop proceedings going any further. If however you can't clear the debt, then you should fill out an 'Admissions Form' which will also have been sent to you.

This form asks for information about your income and expenses, which the court will take into account when hearing your case. The Admissions Form should be returned within 16 days of the postmark it holds, although if you intend to dispute or defend the claim then you can apply to have the hearing delayed an extra 14 days in order to prepare your defence.

Once you've filled in these forms and returned them to the court, there will be a simple hearing carried out in private. You don't have to attend the hearing so long as you've completely filled in the necessary forms, or unless you wish to dispute aspects of the claim.

At the hearing, the court will objectively review the claim and the information you've provided, and come to a decision about the amount of money (if any) you owe, and how it should be repaid. It's important to note that no one is being found 'guilty' or 'innocent' here, the court is simply trying to fairly resolve a civil financial dispute.

If the decision upholds the claim against you, then the court order or CCJ is issued. Even at this stage you can stop the damage to your credit record, as you'll have one month from the date of the court hearing to repay the debt in full to stop the CCJ being put on record.

After a month, the CCJ will be entered on to the Register of County Court Judgements, and from there it will make its way onto your credit files held by the various credit reference agencies.

The presence of one or more CCJs on your credit file will effectively close off most kinds of finance to you, as most lenders will be very reluctant to advance credit to people in these circumstances. Once, however, you've cleared the debt, then the judgement will be marked as 'satisfied', and while this will not remove it from your record it is a lot less harmful to your credit worthiness than an uncleared CCJ.

If you have a CCJ on your record, you might be tempted by companies promising to remove it and clean up your rating. Unfortunately, this is only feasible in a few cases. Sometimes, the CCJ is entered on to your record by mistake even though you cleared the debt within the one month time limit. If this has happened then you have the right to have it removed from your records.

The only other ways to have a CCJ removed is to show that there was something wrong with the way in which the judgement was awarded. If, for example, you didn't receive the initial Claim Form, and you were unaware of the proceedings, then you didn't have the chance to defend yourself and so the judgement is invalid.

In these circumstances, you can apply to the court to 'set aside' the judgement and it will be removed from your file, with the whole process starting again with a new claim and hearing. Any attempt to gain a 'set aside' without a reasonable argument could be seen as wasting the court's time, with all the legal penalties that would entail.

If you receive a Claim Form through the post, it's important not to panic. Although a CCJ against your name is harmful to your credit rating, it isn't a criminal matter and won't lead to further action such as repossession of your home or bankruptcy. The CCJ procedure is there so that the court can help to resolve your debt in a way that is fair to both you and your creditor.

Mortgage choices that you have

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When selecting a mortgage, there are many things to think about and wonder about. For anyone that is looking for a way to secure the best loan for their next or first home, they should weigh all of their options, carefully deciding what the right way to go is. With so many different types of mortgages out there, though, this can be relatively difficult for you to do. Take a moment, then, to find the best way to get your mortgage to fit within your life.

Here are some of the mortgage options that you have and you should carefully consider before purchasing your home.

New Timers: If this is your first home loan, you have the advantage in many ways. First of all, you may qualify for a government backed loan. The FHA loan is a commonly used loan that allows for the lenders to offer better interest rates and lower fees. It can help any new homeowner to actually secure the home that they want even when their credit is not that great. This federal government will help to back these loans for you, giving you more of an option in funding it. Also, there are many benefits offered to first time home buyers throughout the states from various cities. Find out if your city offers any benefits to moving here.

The Down Payment: When it comes to having a down payment or not, many of those that bought homes twenty or more years ago, did so with large down payments. Today, many people are buying them without any. Which is the right way to go? If you do not have the funds set aside for a down payment on your home, you should still consider purchasing one. If you do have the funds to put down on a home, do it. This can greatly reduce the amount of money that will need to be financed which means less interest payments on it as well. Carefully consider the amortization schedules that you can get before signing a mortgage to determine if it is a better choice all around.

VA Loans: If you have served in the armed forces of the US, you may qualify for a VA loan. These will allow an individual to secure a loan with federally backed funds. It can help to lower the cost of the home’s interest rate too. If you are applying for a mortgage with a home lender, make sure to tell them of this status as it can greatly help you.

With so many options, it pays to do your homework. The good news is that there are tools called loan calculators that you can use to help you to see what your monthly payment will be as well as how much your home will end up costing you with various options like these. Use them and see what the best solution for your needs is. This can be done easily and within seconds right on the web. Also, always ask your mortgage lender to inform you of any and all options that you may qualify for with your home loan.

Writers block writers resources to end writers block

Writers block is one of those mysterious ailments that is blamed for late assignments, missed deadlines, and failed dreams. Some people claim it is merely a myth while others find it plagues their writing.

As someone with more than two decades of professional writing, editing and teaching experience I feel quite strongly that in 99.9 percent of reported cases of writers block are nothing more than a chimera. In my opinion, far too many would-be writers spend far too much time and energy on finding the right computer, program, paper, pen, location, mood-setting music, and the like before they can begin writing when that time and energy would be much better spent on simply getting down to the business of writing. These would-be writers treat their muse as something delicate and breakable, something as elusive and fleeting as smoke.

I know from years spent in the hurly-burly of newspaper reporting and snatching moments to write between deadlines and dinner dishes that a muse worth keeping is made of much tougher material and in fact may benefit from some abuse.

Most often writers block, or what is commonly referred to as writers block, is caused by one of three problems--lack of preparation, lack of training, and lack of development. Lack of preparation is often caused by not creating an individual writing process that can take advantage of your writing strengths and help overcome your writing weaknesses. Lack of training is similar to athletic training--you need to warm up and work out on a regular schedule to keep your writing muscles in top condition. Lack of development simply means that your particular idea may need more time to percolate or perhaps you are not ready to tackle that particular topic at the time.

I have three recommendations to help you work through writers block. First is to simply write through it. Give yourself permission to write garbage and focus on simply creating a really rough draft. Often once you stop worrying over all that is wrong with your writing the words will begin flowing again.

A second method of dealing with writers block is to get moving. Take a walk or hike. Do something physical away from your office or desk and do not let yourself return to the scene of the crime (or writers block) until several hours have passed. You might be surprised what your brain works out in the interim.

Finally, exercise and challenge your writing muscles with writing prompts and exercises. Sometimes simply changing the pace of your writing or your subject matter can be enough to help you work through your difficulty.

Remember, every writer experiences some form of writers block from time to time but you do not have to make a mountain out of a molehill. Working out an effective strategy to circumvent writers block when it strikes is one of the most important skills a real writer can develop.

How to use paid url inclusion to increase your web site ranking

You have just completed your web site and submitted to as many search engines as you could find. All you have to do is wait for the weeks to pass and soon you will be indexed. What about if you want to be indexed right now? Is there another option?

Paid URL Inclusion means that you pay the specific search engine an annual fee for your web page to be included in their index. There are many ways to promote your website and one of the most efficient ways is to use search engines. Search engines are the first stop for most people trying to find information, services, and products online. Because of this, it is essential that your website appears quickly in search results.

Every search engine has an automated program commonly called a "spider" that indexes all the web pages it locates online, and it does this for free. So, whether you pay or not, your web page will eventually be indexed by all Internet search engines, as long as the spider can follow a link to your page. The major issue is, then, how quickly your page is indexed.

Speed for a fee

The difference between the spider that indexes pages for free and the spider that indexes only pages for a fee is speed. A search engine that offers a paid URL inclusion uses an extra spider that is programmed to index the particular pages that have been paid for. If you have paid for inclusion, the additional search engine spider will index your page immediately.

The debate over paid URL inclusion centers around the annual fee. Since the regular spider of these search engines would eventually get around to indexing your web page anyway, why is a renewal fee necessary? The fee is necessary to keep your pages in the search engine's index. If you go the route of paid inclusion, you should be aware that at the end of the pay period, on some search engines, your page will be removed from their index for a certain amount of time.

It's easy to get confused about whether you would benefit from paid inclusion since the spider of any search engine will eventually index your page without the additional cost. There are both advantages and disadvantages to paid URL inclusion, and it is only by weighing your pros and cons that you will be able to decide whether to spring for the extra cash or not.

Advantages

The advantages are obvious: rapid inclusion and rapid re-indexing. Paid inclusion means that your pages will be indexed quickly and added to search results in a very short time after you have paid the fee. The time difference between when the regular spider will index your pages and when the paid spider will is a matter of months. The spider for paid inclusion usually indexes your pages in a day or two. Be aware that if you have no incoming links to your pages, the regular spider will never locate them at all.

Additionally, paid inclusion spiders will go back to your pages often, sometimes even daily. The advantage of this is that you can update your pages constantly to improve the ranking in which they appear in search engines and the paid URL inclusion spider will show that result in a matter of days.

Disadvantages

The main disadvantage is the cost. For a ten page website, the costs of paid URL inclusion range from $170 for Fast/Lycos to $600 for AltaVista, and you have to pay each engine their annual fee. How relevant the cost factor is will depend on your home based business income opportunity.

Another, and perhaps more important, disadvantage is the limited reach of paid URL inclusions. The largest search engines, Google, Yahoo, and AOL, do not offer paid URL inclusion. That means that the search engines you choose to pay an inclusion fee will amount to a small fraction of the traffic to your site on a daily basis.

How can I make this work for me?

One way to figure out whether paid URL inclusion is a good deal for your home based business is to consider some common factors. First, find out if search engines have already indexed your pages. To do this, you may have to enter a number of different keywords, but the quickest way to find out is to enter your URL address in quotes. If your pages appear when you enter the URL address but do not appear when you enter keywords, using paid inclusion will not be beneficial. This is because your pages have already been indexed and ranked by the regular spider. If this is the case, your money would be better spent by updating your pages to improve your ranking in search results. Once you accomplish this, you can then consider using paid inclusion if you want to speed up the time it will take for the regular spider to revisit your pages.

Sometimes a regular spider will drop pages from its search engine, although these pages usually reappear in a few months. There are a number of reasons why this can happen, but by using paid URL inclusion, you will avoid the possibility. Paid URL inclusion guarantees that your pages are indexed, and if they are inadvertently dropped, the search engine will be on the lookout to locate them immediately.

As you can see, there are numerous factors to consider when it comes to paid URL inclusion. It can be a valuable investment depending on your situation. Evaluate your business needs and your website to determine if paid URL inclusion is a wise investment for your business opportunity from home.

Personal debts getting out of the debt trap

Do you live a lifestyle where charging basic necessities like groceries is unavoidable? If you do, things need to change! Being caught in the debt trap can be quite stressful and can even wreck havoc on your physical health and well being. Yet, you dont really have to spend your days worrying about how you are going to pay that mountain of personal debts that you have accumulated over the months. If you want to get out the debt trap, you need to sacrifice some of the things in life and invest in the future. To help you get out the debt trap, here are some pointers for you.

Get rid of some of your cards

If you have accumulated a mountain of personal debts in your credit cards, do not add more to it. Unless it is an emergency, do not use your credit cards. Dont believe those people that you cannot live without your credit cards. People in the past did not have credit cards and they lived longer and had lesser stress. If most of your credit cards are already near their credit limits, look for a company that will allow you to consolidate your credit card debts for a lesser interest rate and longer payment periods. Once the balance of your credit cards have been consolidated to one account, cancel some of your credit cards. Its better for you to live with two or three credits cards than having more than five of those plastic things.

Live frugally

If you have been drinking coffee that cost you 2, you will need to give up that coffee. Start brewing your own office instead of buying those expensive cups of coffee from Starbucks. Fine, your brew coffee will definitely not taste as delicious as those expensive brews but if you really want to get out of the debt trap, you just have to make few sacrifices. If you really like expensive coffee, you can treat yourself to a couple of cups per week and nothing more.

Aside from brewing your own coffee, it would be best to start bringing your own lunch to work and cook your own dinner instead of eating out. According to studies, you can save as much as 100 a month if you bring your lunch and you can save as much as 200 if you take your time to cook your own dinner. Now, if you do not know how to cook, this is the right time for you to start learning. Cooking can be a lot of fun and before you know it, you will have so much fun in the kitchen that you would not really want to go out and eat as much as you used to.

If you combine all your savings from your coffee, lunch and dinner, you can already a considerable amount of money saved. You can use your savings to start paying off your debts. If you continue to live frugally, in no time, you will be relatively debt free.

List of high protein foods

High protein foods are great for packing on extra muscle. To make sure that your diet is filled with muscle-building proteins, it is extremely important to consider which high protein foods you should consume during your daily eating routine. To help you select the best high protein foods for your diet, we’ve compiled a list of some of the most protein-packed foods that you can find in your average grocery store.

You will notice that the list covers a broad variety of high protein foods. This was done intentionally so that you can compare food types and have more options to add to your daily meals.

The list:

(all nutrition estimates are based on standard single servings)

Peanut butter (2 tbsp)

Protein - 8 g

Calories - 188

Fat - 16 g

Raw almonds (19 pieces)

Protein - 7 g

Calories - 180

Fat - 14 g

Almond butter (1 tbsp)

Protein - 2 g

Calories - 101

Fat - 9 g

Skinless chicken breast (1 cup)

Protein - 38 g

Calories - 258

Fat - 10.4

Ground beef (90% lean, 3 oz)

Protein - 23 g

Calories - 182

Fat - 9 g

Ground turkey (3 oz)

Protein - 22 g

Calories - 193

Fat - 11 g

Salmon (half fillet)

Protein - 39 g

Calories - 367

Fat - 22 g

Tuna (canned, 1 cup)

Protein - 39 g

Calories - 179

Fat - 1 g

Deli turkey (1 oz)

Protein - 4 g

Calories - 31

Fat - 1 g

Findings:

High protein foods vary substantially in protein, fat, and calorie content per serving. Some of the best high protein foods have high fat counts; however, it is important to consider that not all fats are bad for you, and some can be very beneficial to your diet - even if weight loss is your top priority. Almonds, for example, are rich in omega three fatty acids but low in saturated fats.

In general, if you are looking for an efficient way to increase your protein count but keep your calorie and fat intakes minimal, than fish and lean meats are an effective option. Canned tuna (hold the mayo) tops the list as the most efficient protein source. Skinless chicken breasts, deli turkey, ground turkey, and lean ground beef are also highly efficient high protein foods.

Important information before going to brazil

Brazil has a very diverse culture and a wonderful climate. Summer starts in December and ends in February in this South American country. So before going on a trip to Brazil, one has to have enough information on what to bring. Here are a few tips to help in deciding in what to prepare for a trip to this fine country.

* Protect your photo equipment and other equipment sensitive to humidity.

Humidity is high in Brazil. Sealable plastic bags are also useful, so make sure to bring some.

* Bring your medication and prescription.

If you brought some medication, make sure you declare it at the Customs. There are also some drugs that can be bought from the chemist without a prescription.

* Buy mosquito repellent and sun block when you get there.

These are of good quality and are suitable formulated for the conditions of the country.

* Get Hepatitis shots before leaving for Brazil.

Hepatitis A, B and C cases are prevalent in Brazil. Also, always wash your hands before eating. Use appropriate disinfectants and antiseptics.

* Pack light

Most air carriers have a luggage limit of 20 kilos. Having your clothes washable and mix-matched for different look is more advisable than carrying more clothes. When not on a business trip, pack casual clothes as most Brazilians dress casually.

* Keep copies of all your important documents.

You may leave copies of these with a friend back home, or keep copies in a separate location from the originals. You can also email the copies to yourself.

* Bring a pair of sandals

If the reason for the trip to Brazil is the beaches, then a pair of sandals, together with one's bathing suit and hat is necessary.

* Bring some deodorant and perfume.

One sweats too here and these essentials are very handy.

* Never leave your belongings unattended.

If you can settle for disposable cameras, then, do so.

* Learn some Portuguese.

Knowledge of Portuguese can help when communicating with the locals. English, Spanish, German, French and Italian are also spoken in tourist areas.

* Have valid entry documents.

One's passport should be valid for at least six months from the date of entry. Foreign tourists are given a maximum of 180 days to stay in 1 year. Renewals for 90 days may be obtained from Policia Federal.

* Have some cash handy.

Major credit cards - MasterCard, Visa, Amex and Diners - are accepted, as well as traveler's checks. Cash will be needed if you are going outside the major cities.

With these guidelines, one can look forward to having an enjoyable travel to Brazil.

Obagi exfoderm forte - skin care

Obagi Exfoderm Forte is formulated for use on oily, thick, large pored, or rough skin. The product, Obagi Exfoderm Forte is a lotion containing alpha hydroxy acids in a unique soothing base to tone and smooth out your skin. Obagi Forte also helps in the removal of the outer layer of dead skin cells. Ingredients include: purified water, glycolic acid, triethanolamine, emulsifying wax nf, glycerine, lactic acid, caprylic/capric triglyceride, kalaya oil, stearic acid, methylparaben, cetyl alcohol, dimethicone, propylparaben and complex 272.

Obagi Exfoderm Forte should ideally be applied on the skin before the application of the Nu-Derm Sun fader. Obagi Exfoderm is an exfoliating lotion that contains phytic acid, which is much gentler than AHAs. Generally Obagi sun block should be applied after the application of either Obagi Exfoderm or Obagi Exfoderm Forte.

Restoring the health of your skin will not happen if you just treat the symptoms. To achieve and maintain your skins health, first, you must fix any underlying problems and start to stimulate the growth of new, healthy skin cells. If you believe you might have a medical condition, please contact your physician right away before using any of the Obagi product lines. Then, once you have decided to start your skin treatment, first you should use the Obagi Exfoderm or Exfoderm Forte and then apply the Obagi Sun fader on top of it.

Obagi is one of the most recognized names in the skin care and health industry and now you can purchase these premium skin care products from the comfort of your own home and get it shipped right to your door, in complete privacy. Unlike most other traditional skin care products that only treat the problems that occur on the surface of your skin, when the Obagi line of products work at the cellular level.

An online millionaire plan basics of earning millions online through internet marketing

How to get started

First off, some points about money. People pay money, a valuable, in exchange for a product or service you provide - another valuable. It's really barter, with a commodity called money. People buy things which will improve their lives, which gives them some benefit they feel they need. You aren't really in it for the money, but to provide better service to people so that they can improve their lives. That's a perfect fit - they want to spend money to improve their lives and you are more than happy to accept money to enable them to do so - with your product and services.

Money is really just an indicator of how much you provide real service to others - and how valuable they think that service is. We've gone over how you can increase your income by giving it away, as well.

Now, down to the brass tacks of what to do when and why.

Before we start -

Don't quit your day job. Rome wasn't built in a day, God took seven to create this world - so don't figure you are going to become a millionaire overnight. I've heard some talented people got rich in 90 days, but we'll take the conservative approach here.

Until your Internet activities start bringing income to you, that day job will be providing the seed money for your online business.

Consider all your online activites a second job. This is much better than going to get a second job at some company. Then you are spending 60 hours a week just working for a fixed wage - away from your family and giving a large proportion of it to the government and insurance companies with very little return.

So your online business is your second job. Set it up with a specific workplace and a schedule. Treat it like a business, not a hobby. Show up on time and ready to work - not late and hung over or taking constant breaks for food - or having the TV running so you can "catch the game". Arrange for your spouse and kids to keep the noise down - or set up your garage so it is comfortable all year round and you can easily work there with no distractions. (Remember, setting this up as an actual business means you can deduct these expenses from your "day job" income tax.)

Work out your finances. See if you can get by on only 80% of what you currently earn in income from your day job. Means you are going to have to set up a budget and find out what you are spending your money on. Or - you could simply have your check deposited directly, 80% going into your checking account and 20% going into your savings account (preferably) or another account.

What you do with that 20% is to set half away for savings - never touch this for anything except, perhaps, a real emergency. The other half (10% of your income after taxes) goes to investment. This is what you are allowed to spend on your online business. But the idea again is that you are investing in your own business - not just blowing it on nice stuff for your home office.

Once you have your home business set up, you are then - an only then - ready to really start in on Internet Marketing, Sales, and Delivery.

Paypal users don t get caught by phishers

There is a rising trend in Paypal phishing scams. The latest Paypal spoof I received warns me that my Paypal account has been suspended. It asks me to restore full access to my account by logging in to Paypal. When I click on the link provided in the email, I am sent to a website that looks exactly like the PayPal login page. But the link does not go to Paypal.

This is the link displayed in the email I received.

https:// paypal. com/cgi-bin/webscr? cmd=_login-run

When you click on the link it actually takes you to a phisers page.

It is generally not a good idea to click on links in an email. If you do, be sure that you are signing into the Paypal website by looking at the address location area of your browser.

If you have already replied to the fraudulent email, contact your bank or credit card companies immediately to prevent identity theft. If you wish to check your Paypal account status, manually type PayPal's address into your browser and log in normally.

I was able to tell that it was a spoof email because the email began with “Dear PayPal member." Paypal will always address you by your first and last name. They will never send you a message and address you as “Dear PayPal member” or such.

Another way to tell if an email is from Paypal is to look at the full header. The email header is your indication of whether the email is from Paypal or not. When looking at the header it should say who sent the email in the first two lines. Example in the latest spoof email I received it came from

Return-Path: lester@server. ravin. net

Received: from server. ravin. net

If it doesn’t say that it passed through Paypal’s server, then you know the email is a spoof. The FBI is actively investigating these spoofs, so please report any suspicious emails by forwarding them to spoof@paypal. com. You can also file a complaint with the Internet Fraud Complaint Center at www1.ifccfbi. gov/strategy/howtofile. asp .

More advice regarding protecting your Paypal account can be found at https:// paypal. com/cgi-bin/webscr? cmd=xpt/cps/general/SecuritySpoof-outside

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 2.5 License.

How list building compliments seo

A discussion of why search engine optimization is not enough and how you can maximize your sales by using it in tandem with a good list-building campaign.

SEO brings customers who have been led to you by mathematics. List-building brings you people who have already expressed interest in subscribing to your informational products or who have already expressed interest in buying your products and services. These are true targeted buyers that you can rely on to revisit your site just because you interest them. You can use SEO to bring these buyers to your site but in the end SEO can’t compete with these humans who don’t care about how you spell things, how many photographs or flash banners you have on your site and if you have a lot of indexed links.

When you build an opt-in list you are building potential sales. SEO can bring you leads but not necessarily sales. SEO is of course an absolutely crucial component of any website, especially one that is just starting out in business. However SEO works best when it is in a relationship with an opt in list.

Opt in lists are a free form of automatic marketing that is viral in nature as very often the people on your mailing list will also send your information to other interested parties who then in turn send news of your products to their friends.

Of course this only works if you have something of value to give on their site. You can do all of the SEO and list building that you want but nobody is going to buy from you unless the emails, e-course or newsletters you are sending out truly have something to offer. The bottom line – SEO is not by nature a viral marketing mechanism but an opt in list is which is why it is important to put some kind of widget on your website that gathers email addresses for you. Having both functioning on your site will maximize your profits.

Be you own boss and make money online

You are fed up with being told how to go about your work and what to do even though you are a talented person, so what is the best thing you can do is to make money online and be your own boss.

Work for yourself

Instead of going through stress and frustration and being under the constant surveillance of a boss with a sadistic streak, you can be a happy and content person by working for yourself. You can make as much money as you want to and work as many hours as you wish to, it is all up to you now, if you make money online. The sense of fulfillment that you will get from this is much more than doing a 9 to 5 job where you may not utilize your talents at all.

You can indulge yourself a bit, go for that relaxing massage at any time of the day, or plan to complete your studies which you had left mid way and also do the job the way you know is best and make money online. There is no one to nag you or to make you run around without any consideration, nor do you have to put up with the moods of your superiors at work, you have only yourself to contend if you make money online.

There is no need to put off that art class any longer

You always knew you had the talent and would have loved to attend the art class to explore various avenues of art, but you needed to have a job to take care of your expenses. Now you can do both if you make money online.

You wish to do a course in interior decoration and then start your own business, but how do you manage without a paycheck. Well now you can do it if you plan to make money online.

Your friends have joined yoga class and you want to too, but what about the job, the timings clash. You have heard that this yoga class will not only help you to knock off excess weight but will also take care of your bouts of migraine. You can work at your own convenience and at the time when you want to work and attend the yoga classes too if you make money online.

You have a new baby and want to spend time with him/her

A new mother or father is a very nervous parent and nothing can be good enough for the baby but their own personal care. Yes but a baby in the house is an expensive addition. It also has its own waking and sleeping hours that don’t go with the timings of your office work. You cannot afford to give up your job as you need the extra money for your baby. Well now you can work according to the baby’s timings and also be there to take care of it round the clock if you make money online.

You would love to cook a 3 course elaborate meal for the family every night when you eat supper together, but you work long hours with no energy left for yourself or your family. Now you can do the job and also cook that meal side by side, if you plan to make money online.

When to sell your structured settlement

A structured settlement often follows a life changing incident, whether it be positive or negative. Due to these circumstances, you may be faced with the need for a large lump sum payment rather than small monthly payments over a number of years. So, where do you turn? To a company that can buy your structured settlement from you and turn it into an immediate payment that you may use on whatever you see fit.

Each individual has different reasons for wanting to sell their structured settlement, however, first you must decide if it is the right decision for you.

The Benefits of Selling Your Structured Settlement

A large portion of those who receive a structured settlement can benefit from selling it for a lump sum payment. The situations listed in this section represent possible circumstances of individuals that may get the most rewards from selling their structured settlement.

· If you cannot wait to receive small, spread-out payments over a long period of time due to a dire financial situation or hefty medical bills and/or lawyer fees. Many of the situations that can bring about a structured settlement can also stick the individual with such obligations.

· If you and your family decide that this is the time to finally make that large purchase that you have had your eye on. For example, if you have previously been denied mortgages or loans and would like to take this opportunity to buy that dream home you have always wanted. Or if you have a child or children who are preparing to go off to college and you fear you may not have the financial means to support that dream otherwise.

· If you have talked with a financial advisor and both of you feel that you could profit more by investing a lump sum payment, rather than waiting on monthly payments. If the money is invested properly, there is a chance that you could end up with more money in the end than your settlement was ever worth. However, this should not be a plan that is entered into lightly. You should work closely with a financial specialist and feel confident that you have found a great opportunity to invest in.

· If you are of older age and feel that you may not be around long enough to receive a fair amount of your structured settlement. You may want to the chance to enjoy the benefits of your settlement or may want to secure part of it for your family after your passing. This way you can distribute the funds as you see fit instead of relying on lawyers or courts.

· If you don’t plan to use the money right away, but would rather put it into a savings or money market account to draw interest. This would be best suited for someone who has a very hefty settlement, can find an account with large payoff terms, and plans to keep the majority of the money in the account for many years.

No matter what your reason for wanting to sell your structured settlement, choosing this option puts you back in control of money that is rightly yours. The problem that many individuals have with their structured settlements is that the control over their money is left to lawyers, courts, and the company or persons paying out the settlement. You are now able to say where, how, and - most importantly - when you spend your money.

The Drawbacks of Selling Your Structured Settlement

For a few individuals, selling their structured settlement and receiving a lump sum payment may not be in their best interest. One must also evaluate these situations and determine if they outweigh the reasons you are considering selling your settlement.

· First and foremost, selling you structured settlement means that you will receive less money than you would if you were to keep it. However, for many people considering this option, this seems like a win-win situation - they will get one large lump sum payment and the company they sold it to will make a profit in the end. The good news is that since you have several companies competing for your settlement, you can choose the one that will give you the a portion of the full settlement that you can live with.

· Because you may lose out on a substantial portion of your settlement by selling it, if you are in a financial situation where regular monthly payments will only be a bonus on top of what you already make, waiting out your settlement may be in your best interest. However, if you’re a senior, then you should also take your age and the length of your structured settlement into consideration. This would be the ideal situation for someone who is young enough that they have a great chance of living out the life of their settlement.

· If you are a person who is poor at managing large sums of money, then selling your structured settlement may not be right for you. For example, if you are the kind of person who gets a large paycheck every two weeks and finds themselves running low on available cash at the end of those two weeks, then that may be an indication that needs to be closely looked at. In this type of circumstance, having your settlement portioned out to you on a monthly basis may keep you from spending it too quickly. Once your settlement is gone, you will be back at square one.

· For those reasons, you should also not consider selling your structured settlement if you have an addiction to gambling, shopping, or drugs.

· If your settlement was due to an accident that has put you out of work and the funds from it will replace your monthly income, then keeping the payments on a monthly basis may help your family keep your finances in order. However, even in this situation selling your settlement may be best for you if you would like to renegotiate your payments into a larger sum each month to shorten the life of the settlement.

Most individuals receiving a structured settlement can benefit from selling it to a company that can give them a large lump sum payment or shorten the life of the settlement, especially if they are older persons, an individual who has enormous expenses due to an accident or court case, someone in a critical financial position, or one who wishes to make a large purchase for themselves and their family. Finding the right company with terms that fit your needs is a key component of making your experience with selling your structured settlement a positive one.

Are top web sites good for everybody

Top web sites are site lists focused around a common topic, for example clip art, pets, music etc.

Sites on these lists are ranked in order of "votes" - the site that gets voted most gets the top place, the site that gets the 2nd biggest amount of votes gets the second place and so on. The voting system is simple; each top web site member places a link back to the top web site on his site and for each visitor that clicks the link, the site gets one vote.

WHAT ARE TOP WEB SITES?

It's a links site, that ranks member's sites by the amount of traffic they send in. They usually rank a list of the top 10 - 100 sites focused around a common topic, for example health, business, music etc.

The sites on these lists are ranked in order of "votes" - or referrers. The top referrers get one banner of theirs listed free of charge, in the top web sites section.

The top web sites have three common areas:

* The Index: that's the actual list of sites ordered by hits in

* The Sign up and Login page, where webmasters add their sites, modify setting and view stats

* The Enter page. Some top web sites have gateway pages in order to protect themselves from cheating.

In order to generate votes, each top web site's member places a link back to the top web site on his web site, and every time one of his visitors clicks over that link, he gets one vote. The more votes he gets, the better his position will be on the top web sites list.

The site that gets voted most gets the top place, the site that gets the 2nd biggest amount of votes gets the second place and so on.

Obviously, most of the traffic that goes to the top web sites pages, go to the high ranking sites, although some of the lower-ranking ones can also get a reasonable share. And the top web sites pages get traffic through the voting system, so everybody gets more traffic.

Top web site lists are then very similar to the reciprocal links exchanges; but with an important difference, at the top web sites lists, there is a "middleman" and you can't really tell with which sites you're exchanging traffic with.

The main system utilized for requesting the "votes" to the top web site is usually a picture, and this could be a real problem. If the link picture is too big or you put in a too prominent place, your site might look unprofessional. If you use a small link picture, then you might not get the votes you need to rise on the list because people might miss it.

Top web site lists allow you to automate the link exchange and distribute traffic between participating sites according to the traffic they send in. And they increase the traffic to your web site for free.

But as always the big question is: Do top web sites work?

Sometimes they do, and sometimes they don't, it all depends on the quality of the top web site in question.

HOW SHOULD YOU CHOSE A TOP WEB SITE?

* Look for one that doesn't have any pop-up windows

* It must have a lot of sites closely related to the subject of your site

* It must have it's own domain

* Monitor the traffic you're sending to the list and the traffic you're getting from it. If you send more than you receive, resign and find another topsite or other promotion method. On "How to Sell on The Web" you can find dozens of ways to get traffic to your web site.

HOW TO FIND YOUR TOP WEB SITE

Look for sites dealing with the same subject as you. They might even already be a member of a related top site

Look for "top site" "top web site" or "topsite" at the Search engines

Browse the topsite list directory: www dot topsitelists dot com/directory/

Once you chose the top web site that you like, just fill out the form and your site will be ready to be visited. Then you will have to ad to your place the HTML script that the top web site will give you. This script is the one that will allow your visitors to vote from your site.

ARE TOP WEB SITES GOOD FOR EVERYBODY?

No, they aren't...

If you have a content web site, who's objective is to provide resources to your visitors, then including your site in a a top web site's list could be a good idea.

If you have created an awesome site to sell products or services, and give the people the opportunity to vote for your site; they might get so enthusiastic with the good content of your site, that they decide to vote for you, so they click on the voting button and...! They jump to the top web sites page, and your sale is lost!

WHAT CAN YOU EXPECT FROM A TOP WEB SITE?

To have a high ranking in a very visited top web site list can be very good for you, because it will increase your site's traffic, and traffic means sales, and the opportunity to sell advertising space.

If you chose well your top web site's lists, picking up the ones with good traffic, and create a professionally designed site like "How to Sell on The Web" teaches you to build, you will get thousands of visitors to your site, and that will give you many sales.

Written by Dr. Roberto A. Bonomi

Increasing desire to own a quality spring air mattress

The popularity of the spring air mattress over the past few years has increased dramatically. People are now buying the spring air mattress as a great alternative to the traditional spring mattress that has been bought by millions of people around the world in recent times. The increasing popularity of these mattresses is due to several reasons, some of which I will elaborate upon here.

The main reason for the increasing popularity of the spring air mattress is the fact that it has been found to be more comfortable than the standard mattress that has been bought in previous years. The level of comfort that cannot be achieved by a standard mattress is due to the state of the art technology that uses a contoured exterior that is inserted in to the surface of special foam called memory foam. This technology combined with the air mattress and springs provides a spring air mattress that distributes the body’s weight evenly across the whole mattress creating a very comfortable mattress to sleep on.

This revolutionary new spring design provides an air flow through the mattress which then provides cooling at the exterior of the mattress. This cooling effect helps to avoid a hot, sticky night sleep.

The cost of this spring air mattress can still be a bit higher than a regular mattress due to the concept not yet having caught up to the conventional mattresses. As time progresses and with the increasing popularity, prices will soon be decreased by the manufacturers to meet with the customers wishes.

The spring air mattress can currently be purchased as a great substitute for the regular mattress from most furniture and department stores. As usual the internet can be used to research the wide range of style and price of these new superior quality mattresses.

Soulcollage- give your life meaning

Imagine an inexpensive art activity that that steers you straight into the heart of your own truth. Imagine a practice that encourages wholeness of body, mind and spirit as it provides you with an opportunity for play and adventure. Imagine a personal growth tool that grounds you at the same time that it gives you wings to fly. Now… imagine accomplishing all of this with minimal materials (scissors, glue, mat board, magazine pictures) and in less than an hour!

This extraordinary tool for personal growth is SoulCollage®, a unique blend of spiritual practice and the fun of collage. Using intuition and imagination, you create a deck of collaged cards where each card reflects a different aspect of your unique self. The cards are then used to access your deep inner wisdom and to assist in answering the questions which arise from your life journey. And although SoulCollage® uses the traditional art form of collage, being an artist is not a prerequisite. The only requirement is a willingness to go within.

There are four suits in a SoulCollage® deck: The Committee (the inner voices in our minds), The Community (the family and friends who love and support us), The Companions (animal totems who lend us their energies for healing and growth), and The Council (archetypes who symbolize major life themes for us). Each card that one makes using the practice of SoulCollage® belongs to one of these suits.

The cards in your SoulCollage® deck name and honor all of your individual voices: the luminous and the clear, as well as the dark and the shadowy, because it is only in accepting every facet of ourselves that we can bring ourselves to wholeness.

The process of SoulCollage® has changed my life in many ways. I find that I am now more in touch with all of the voices inside of me, and that has afforded me a freedom that is most precious. Because I have given image and voice to the darker voices inside of me (the one who is angry, the one who feels like she isn’t enough, the one who is focused on overachieving, the one who criticizes everything I do,) I have been able to integrate them into my personality with more fluidity and acceptance.

This healthy assimilation means that I feel more whole and complete than ever before. And this wholeness has led to some remarkable changes in my inner and outer lives: I have been able to leave a job I had for ten years because I finally could see that it no longer served me, I am more confident in my ability to give myself what I need, I am more in touch with my dreams and can now see that I have what it takes to make them come true, and I have been able to deal with my recovery from a serious illness (breast cancer) in a profound way that has grounded me into my authentic self and given me wings to rise above my fears of another diagnosis.

You can make a SoulCollage® card intentionally, where you identify an inner voice, a Companion animal, or a member of your Community and then set about finding the images for that card, focusing only on the card at hand.

Usually, however, the cards are made intuitively. Sometimes you will make a SoulCollage® card and not know what it means. This is all a part of the process, and the best thing to do is trust the process.

After making a card, it is time to find out what it has to say to you. You can do this with the I am the one who… journaling exercise where you ask your card the following questions and then carefully recording the answers:

• Who are you?

• What do you have to give me?

• What do you want from me?

If you’re not comfortable with writing, this exercise can be done orally with a partner.

Here is an example of how the simple, fun act of making a collaged card like this can lead you deeper into your own inner wisdom. The very first SoulCollage® card I made had as its central image a little girl in a frilly white dress being dragged somewhere by an older woman in a dark drab dress. I was intrigued by this picture (from an advertisement) but I had no idea what it could mean. I trusted the process and cut out the image carefully, then laid it against several backgrounds until I found one that seemed to match its intensity: a close-up of an airplane near a suspension bridge. The crossed plains and wires of the bridge near the airplane spoke to me of crossroads and junctures, of confusion and chaos. Ahhh…. Its meaning was already starting to make sense in my mind.

Then I did the I am the one who… exercise out loud, with a partner. We both gazed reverently at the card I’d created. “Who are you?” my partner asked.

I used my imagination to enter the image and spoke my answers as if I were the little girl. I could have answered in the words of the older woman, but I trusted my intuition which told me it was the little girl who had something to say to me.

“I am the one who feels pulled in two directions,” I replied. My partner wrote down everything I said. “I am the one who is beautiful. I am the one who doesn’t like getting all dressed up.” I paused, waiting for the right words to come to me. I allowed several seconds between my answers. “I am the one who doesn’t want to go where this woman is taking me... I am the one who is turning away from where she is taking me because I don’t want to go.”

“What do you have to give me?” my partner prompted gently.

“What do you have to give me?” I asked the little girl on my card. I paused, waited, imagining what she would say to me in response to this question. “I give you _______”

“What do you want from me?” I heard my partner say next.

“What do you want from me?” I said to the image of the little girl, imagining her reply. “I want you to realize that you don’t have to go anywhere that you don’t want to go. I want you to stop for a minute and turn around and listen to other voices when they call you in other directions. I want you to see that the woman who is dragging me is not holding on all that tightly. I want you to realize that you have a choice.”

This exercise only took a few minutes, but when it was over, there were joyful tears of release and understanding in my eyes. For in making this card and then dialoging with it, I had given voice to the part of me who was longing to pull away from a job which had once served my needs but now was holding me back. I had been aware of that inner voice, but only vaguely.

The process of SoulCollage® had given me the tools I needed to name and honor that part of me, and in doing so I was able to make changes in my life that honored my authentic self and gave her room to grow. I was given roots with which to ground myself, and wings with which to let my spirit fly.

Finding a system to day trade the futures market

When I first became interested in trading Futures I had no idea as to where to go to get information about trading. I didn't know anyone that traded the Futures Market. In fact when I talked to anyone about Futures all I heard was "don't trade Futures, it's way too dangerous, you will lose everything you own". Indeed you can lose money fast in the Futures market, but you can also make money fast because the leverage is fantastic and that's what interested me. I knew I had to have a good system, but where would I go to find one.

At that time brokers would send you information, and maybe they still do, from various Exchanges about different trading strategies and how one might use them in a particular Futures Market. Well, this information looked pretty good! All I had to do was get a charting service and I was on my way.

I guess I wasn't as bright as the person that gathered the information for the booklets because I simply could not make these indicators work for me. Surely someone was trading successfully using this information I thought, otherwise why would they publish the booklets. With this thought in mind I felt I just needed more information.

Books had to be the answer. Like I said previously, I guess I was not very bright because after reading thirty or forty books thoroughly, some two and three times, and having applied the techniques learned from the books, I was not able to trade profitably on a consistent basis. I'm sure some are capable of using these techniques to trade successfully, but I was not able to do so. While having a book burning party a few years ago, I decided to keep one book to remind me of my experience. It's on my bookshelf and I glance at it once or twice a year to keep this experience fresh in my memory. There may be some great books out there that show you how to trade successfully on a consistent basis, but unfortunately I never found one. I wasted years on this endeavor.

By this time computer trading was getting popular. I received an advertisement about a program where I could actually write my own system and back test it to get results before actually trading it. Wow! This was great and it was only $4,500.00. They advertised anyone would be able to program this thing. Well they must have meant anyone with the exception of me. I wasted hundreds of hours trying to write programs unsuccessfully. I didn't know the program language and I wasn't able to get enough information to learn it so I decided to be intelligent about this situation and bought another program at only half the price of the first one. I was able to write a few programs that produced very well in back testing, if one could stand twenty point stops in the S&P. I really liked this idea but finally had to admit that it was not going to give me what I was searching for.

For years now I had been studying charts every single day plus weekends and evenings. Of course I was aware that all indicators, strategies, systems etc. started with price. None of these things can be made without price moving first. Price can't be wrong because it is what it is, therefore it is always right. So I decided to put all of my energy into the study of charts, or price and its movement, and finally I found it. It was right there in front of me all these years and I just didn't see it. After another year or so of perfecting entries and exits and how to read where price should go, and if it would continue on or turn at that point, I finally had a system. This system will give you profits consistently. I found that price will tell you where it is going and where it is likely to turn, and if it doesn't turn there it will tell you in advance that it will likely continue.

I had a hard time learning to trade without a mentor. It actually took years of commitment, hard work, and a lot of wasted money. If you are new to trading Futures, or any market, and you don't have a mentor with a good system that will give you consistent profits, then by all means that should be your first endeavor. It is said that 90 of everyone trading in the futures market loses. Make sure you're in the 5 that are winners.

Credit card debt first steps to resolution

If you have let your credit card debt get out of hand, then do not panic. You are among a fast growing group of people who are falling victim to the UK’s ever increasing credit card debt mountain. As a nation, we are adding to our credit card debt at a truly alarming rate. With the number of people now in credit card debt approaching half of the population, this trend is only growing and growing.

Luckily, there are a number of steps you can take to start getting your credit back on track. The first, and most obvious step to take is to reign in your spending. If you are starting to worry about your debt level, then don’t bury your head in the sand and try to ignore it. As soon as you become aware that there may be a problem, stop spending on the cards. For most people, when they begin to get worried, it is not too late. They will be able to manage their debt so long as they take action and stop racking up debt.

What you then should do is make a repayment plan, dedicating your highest repayments to the cards with the highest interest rates. Your plan should be to clear one card at a time, starting with the most expensive. Then direct your attention at the next highest rate card, and so on.

If, taking an objective look at the situation, you feel that this will not be possible, either because you can only barely afford the minimum payments, or you cannot afford them at all, then maybe debt consolidation would be the way to go. The sooner you do this the better, as you will be saving interest for every month that passes.

Debt consolidation loans charge far lower interest rates than any credit cards, and will give you a definite time at which you will be finished with your repayments. This can be good for your moral, and good for your budgeting as you know exactly how much you have to set aside each month. The downside of debt consolidation is that you will most likely have to secure the loan over your home. This carries inherent risks and if you fear for any reason, that you will be unable to keep up with the repayments, then you are far better off if you have not secured the debts over your home.

Cover letter writing and the art of public speech

Some speeches are so powerful and inspire so much passion that they plant the seeds for a revolution or a big change in society. Why are some speakers so good at connecting with their audience and some so bad at it? At the root, a speech is about conveying a message and making an impression. Good speakers know that to be heard, they have to be clear, inspirational, and … lead. Indeed, giving a speech is about leading people in the right direction with one’s vision of how things should be.

That’s why speeches are so important in politics. The leader of a political party has to be able to affirm himself as someone with direction and drive in order to inspire confidence in the electorate. But no matter how many attributes we associate to “good speeches,” it all comes down to one thing: “making a statement.”

A good speech is about “making a statement.”

Those that fail when they stand in front of a crowd are those that have no real clue of what they want to say, have no confidence in themselves, or couldn’t say it eloquently enough. All that translates into one thing: no conviction. A leader must have conviction in order to succeed.

The same holds true for resumes and cover letters. It’s about connecting with the recruiter and making a statement: “I am the best candidate for the job. Give me at least a chance at an interview.” Faced with a good application, a recruiter will always give that applicant the benefit of the doubt. No employer wants to let go of a potentially good recruit.

So when you are facing the difficult task of writing a resume or a cover letter, keep that in mind. When you are done writing, let it rest, come back on it later, and ask yourself this question: “Have I made it clear that I was the best candidate for the job?” If the answer is “no,” you know what you’ve got to do…

Eliminate debt burden through debt management

Debt pile-up is a normal happening in these days of easy availability of loans and credit cards. What has acquired importance is how to keep debts at manageable label. Debt management enables you in not only maintaining debts at a steady level but more then that it later reduces and eliminates debts. Debt management does it through either participating directly in borrowers’ financial problems or through playing advisory role.

In its first role as directly handling debt problems, debt management service providers are directly involved in easing burden of debts. To do so they negotiate with borrower’s different lenders. Debt management service providers chalk out a plan of easing debts and put it before the lenders. Normally lenders are not interested in taking an expensive and time consuming route of repossession of borrower’s property. When a debt management service company asks lenders on behalf of the borrower for reducing interest rate for an early clearing of debts, lenders agree to it. Lenders may even waive off various charges like creditor fees and processing charges as well. When outgo on interest rate and fees etc gets reduced, the borrower saves lot of money that he can use in paying for debts.

Another effective way to debt management is opting for various techniques. Debt management companies suggest you these techniques of reduction in debts. These techniques include all possible ways of lessening debt burden including cutting various expenses. Prominent amongst the debt management techniques is debt consolidation. Debt ridden borrower takes fresh loan at least equal to all his debts including interest payable on it. This loan amount is used in one time clearing of all debts and borrower immediately gets rid of debts that were of higher interest rate. As the debt consolidation loan is taken at lower interest rate, huge monetary outgo is saved. Moreover, borrower saves time and money in paying monthly installment to one lender only instead of paying many monthly installments to different lenders.

Another way is taking home equity loan which is source of cheaper finance. Home equity loan is taken on the equity in the home and therefore the loan comes at very low interest rate. This loan can be utilized in clearing higher interest rate debts.

You may adopt any technique but make sure that you put all efforts into it as half hearted attempt may boomerang on you. Debt management is an effective tool in easing debt burden provided you implement its key aspects seriously in practice.

American express blue card changing the way credit cards work

In today's day and age, credit cards are considered to be one of the most important tools of society. Besides, with a credit card, you will be able to purchase the things you need even if you still don’t have the money for it. Because of the popularity of credit cards, many credit card issuers are now providing different kinds of cards for different kinds of people.

One such credit card issuer is American Express. Although American Express or AMEX is known for high end credit cards that only the wealthy can afford, they have designed another kind of credit card that many people can take advantage of and afford. This one-of-a-kind credit card is called the American Express Blue Card.

The American Express Blue Card works very much like your regular credit card. However, it offers more perks and benefits for its user for every dollar spent. The great thing about the Blue Card from American Express is that they offer different kinds of Blue Card for different kinds of people. Here are the different kinds of American Express Blue Cards available:

• American Express Blue Card

• American Express Sky Blue

• American Express Blue For Students

• American Express Blue Cash

The American Express Blue Card has existed since 1999. Ever since its release, it has been very popular among students and young adults. This is because of the benefits it offers and also the affordable rates. If you are tired of high annual fees with your regular credit card, the American Express Blue Card offers zero annual fees. Also, it has zero percent APR on the first fifteen months of issuance plus a grace period of twenty days to pay your bills. However, after the APR introductory period expires, you will find that the APR will be at 11.99 percent.

American Express Blue Card also offers a credit limit of one hundred thousand dollars. Also, the benefits and incentives it offers can be shared with other people, such as your family and friends. The great thing about sharing your benefits is that it's completely free. They also feature a balance transfer fixed at 3.99 percent up until the balance is paid in full.

As you can see, American Express Blue Card has it all. In fact, you can even sign up for the Free Credit Rewards Program offered by American Express to their Blue Card clients. With this benefit, every dollar you spend turns to a point. After accumulating enough points, you will have a chance to redeem travel awards, retail awards, and even big discounts on your next purchases.

If you think that that all the mentioned benefits are enough to make a great credit card, then you have to think again. Aside from all the mentioned benefits, perhaps the most important benefit that American Express Blue Card provides to their clients is fraud protection. With this feature, you will be protected from fraudulent transaction using your credit card or your credit card information. This means you have a protection against identity theft. You will also be protected from damaged goods. The American Express Blue Card allows you to return purchased items within 90 days. If this is not possible, then you will be refunded with the full amount of the purchase.

These are the benefits that you can get with the American Express Blue Card. So, even if you are just a regular person with a limited amount of income, you will still be able to enjoy the benefits that credit cards can usually only give to people who can afford high end credit cards. However, you should always remember that like other kinds of credit cards, you need to be responsible with the usage of the card. Remember that credit cards are not tools for unlimited wealth. It is merely a tool that you can use to purchase things you need even if you still don’t have the money for it. You will still need to pay off the full amount every month, if not, there are interest rates you have to deal with.

Seo wearing the white hat part 2

In our last article we discussed some of the parallels between “White Hat” and “Black Hat” Search Engine Optimization (SEO) approaches. With this article I want to provide my top ten list of “White Hat” SEO strategies.

10) Forum Contribution – This strategy allows you to place knowledgeable comments on forums that are applicable to your online business. You place a link to your site in the signature for positive back linking.

9) Business Blog – You can use a blog to enable your customers to view you as more personable, but the marketing aspect and back links are a positive “White Hat” strategy.

8) RSS Feed – This strategy can be used in list building and in syndicating your web content and blog posts to interested individuals. This allows visitors to know every time you have new content to share.

7) Site map – By creating a site map useful to Google and Yahoo you will find they have a much easier time mapping and applying appropriate rankings. You are simply helping to speed up improved site rankings.

6) Link Requests – Don’t be bashful about sending out link requests to business acquaintances. These might be reciprocal links, but they don’t have to be. Back links to your site have a significant impact on improved site rankings.

5) Request Site Reviews – Visit an applicable business forum and request visitors review your site and provide honest feedback. Learn what you can from the feedback and make changes, but also realize you have increased site traffic and left your site link for others to follow.

4) Directory Submission – Submit your site information to general directories. However, when it comes to more specific directories make sure to send your information only to directories related to your business.

3) Update Your Site – Do not allow your site to remains static. Search engines like new information. If your site always stays the same it will not give either your visitors or the search engines a reason to spend much time with your site.

2) Original Content – When possible supply as much original content as possible for your site. This is gold to search engines. They place a high premium on knowledge-based, keyword enriched articles. However, this is not a once and for all proposition. Routinely replace content so your visitor and search engines have something new to read.

1) Article Submission – The nature of free article submission sites can allow you to take new or retired content and make it available for other sites to use. This strategy is especially useful in helping other sites while improving your ability to gain highly strategic backlinks due to the mandatory link provision in free article use.

Hopefully this helps you understand a bit better some of the things you can do legitimately to improve your site rankings and market your website to your best ethical advantage using “White Hat” SEO principles.

Easy to use tips for german articles

Learning the German language can be an entirely never-ending education. You might think that since the German language is very keen and strict when it comes to its articles; there is no other way in for you to be able to learn other parts of the German language unless you go through the articles properly.

Actually, a person learning German as his second language and has managed to learn and use properly German articles, the remaining lessons of the German language can become suddenly easy. Having said this, it of course means that any one person who has not encountered the German language in his entire life has the possibility of learning and speaking the language with full confidence. But when is this going to happen? Certainly there isn't any time specification for this since learning another language can be a serious course for some while it may just be a part-time hobby for others.

What matters here is that you, as the student and learner, are willing to go beyond what is usually used and seen by most. After all, what is the use of the internet if you do not extend extra effort in finding the best method suited for you in learning the German language?

Simply think of the articles (der, die, das) as an important element of each German word. Add to it the fact that each of these articles always has to come before a noun. This can be unorthodox compared to what has been traditionally taught but by just trying three of the articles, one has to come out correct.

Okay, as far as the standard rule is concerned, you can actually use it to help you out in determining which article is correct. Grouping them together would be one as in nouns with adjectives ending in "-heit" or "-keit" always take the "die" article. If you are just observant enough with the pattern and how the words go about; you will actually notice these things and believe me, they are really helpful.

Go on ahead and explore more of what you can find about the German language. You will be surprise but the quality of what you will learn is obviously more than enough.

Reverse mortgages - get the money you need - part 2 of 4

To recap part 1, Reverse Mortgages are loans that allow you to borrow back the equity in your home. If you are 62 years of age or older, they are a way to borrow against the equity in your home to provide you with tax-free income. Probably a good idea if you're a senior who needs cash for medical care, to maintain your standard of living, or for other reasons.

So, what are some of the disadvantages of Reverse Mortgages?

- They are even more complicated than conventional mortgages and the consequences of various options might not be always up front.

- They may be relatively expensive compared to other alternatives.

- Although the money you receive is tax-free, it may affect your eligibility for "need based" public assistance benefits such as Medicare, Supplemental Social Security Income (SSI) and Medicaid/MediCal.

- Reduces the equity you have in the property which could cause a potential negative impact for your heirs.

- This source of funds is often not well understood, even by real estate and legal professionals. (Check out their experience before accepting their advice.)

In general, what types are available?

- FHA-insured mortgages - Home Equity Conversion Mortgage (HECM).

- Lender-insured.

- Uninsured.

Each type differs in the amount you can borrow, how the proceeds will be paid, and allowed expenses such as interest, closing costs and other fees.

Here are some things to think about before getting this financing :

-How much money do you need?

-Is there another way to get the money you need ?

-Will a Reverse Mortgage make you or your partner ineligible for any government benefits - now or in the future?

-Do I qualify for this kind of Mortgage?

-How much can you borrow ?

-How much will it cost you in fees and interest to borrow this money, even if you don't have any out-of-pocket expenses?

-Will you have to sell your house before you die to pay off the loan ?

-If you die, and your spouse is still living in the home, will he or she have to leave or pay it all off ?

-Will the loan become due and payable if you go to a long-term care or nursing home?

-What will your heirs or you have left after the loan is paid off?

-Are there any early-repayment penalties?

-What are your obligations, such as property maintenance, property taxes and insurance?

Seven important things to do before you make a decision :

1. Decide how long you expect to stay in your home. These loans are relatively expensive for the first 2-3 years, so consider other options first.

2. Consult with a HUD-approved Reverse Mortgage counselor before you apply. This information service is usually offered free of charge. A counselor can help you decide what kind of financial help you need and what type is best.

3. Decide if you really need it. Another type of loan may be a less costly solution to meet your financial needs.

4. You might want to Include your family, especially grown children, in the decision-making process. It's good to get a general agreement among your heirs that going ahead with this type of mortgage arrangement is okay with them. Remember, you may be reducing their inheritance.

5. Shop around for the best deal. It may affect how much money you get immediately and in the long-term, how the money is paid out, how much you pay in interest and other charges, and so on.

6. Determine if your Mortgage affects your eligibility for "need based" public assistance benefits you may receive.

7. After you have considered all the facts, does getting a reverse mortgage make you happy ? If yes, that's a good sign. If you're not sure, best to examine all of the alternatives again.

That's all for this week. In Part 3 next week we'll talk about frequently asked questions concerning reverse mortgages - stay tuned !

Action steps for successful knife defense

I treat martial arts somewhat as a sport and as a workout routine, but I'd be lying to you if I didn't think it also had some practical utility as a self defense technique, and a lot of the classes I teach focus on self defense, particularly in teaching classes to women and teenagers, in particular mugger defense and knife defense.

Recently, I've had to give some thought into teaching knife defense. Knife defense and martial arts techniques sort of mix, and sort of don't. When we spar in class, we focus – and we focus a lot – on not hurting one another. Knife defense has to take a different approach.

First of all, don't get into knife fights. I don't care how good you are, if you're bare handed and in street clothes, and the other guy has a combat knife, you're at a serious disadvantage. If you can, run away. If you have to give up your wallet to run away, do it. Knife fighting is messy and bloody.

Which leads to the first principle of knife defense: You're going to get cut. Repeat after me: You're going to get cut. Again, I say. You're going to get cut. Be prepared for it, understand that it can happen, and that it will hurt (when you're getting cut) and hurt a lot less immediately after. The trick is to make sure that you do as much damage to your assailant as you can, while turning the least amount of damage to yourself.

The basic knife attack is a thrust or a slash delivered with the forward hand, sort of like a punch. The knife is used to add those critical four inches to your reach. Most people aren't particularly trained at knife fighting, so they use a natural punching motion. The first thing you want to do is interpose your hand, or better yet, the outside of your forearm on the line of attack. Just like you do an inside block or outside block on a punch, you do the same thing against a guy with a knife. Again, you're going to get cut – the key here is to make sure that when you get cut, it's on a part of your body where it won't permanently injure you. Try to block his wrist with yours, barring that, block his blade with your forearm. It'll hurt, but you have to get through the pain to follow up with the punch.

The next technique is to know the range. He's going to attack on a line. You need to be aware of that line and be able to turn tangential to it. Shove his blade off the line while you move in the other direction, and block before you counterpunch. In Western fencing, this would be called a riposte, and it teaches you that the block automatically breaks the line of the attack and lets you counterattack immediately. Use the range – either step in with the punch or step away. If you know how to do a joint lock, by all means do it. Use any techniques you can to A) disable your attacker, and B) run away. Stomp insteps if you can. Punch for the groin, and go for the eyes. You aren't fighting fair, you aren't fighting for points, you're fighting to put the other guy down as fast as possible while avoiding getting hurt.

Tips for generating leads from your website

Getting good leads from your website is the primary target for the website. Still most of the websites does not fulfill the requirements for their owners and resultantly fails to fulfill the expectations. Getting good leads is a procedure, which includes the attentions on some of the very important topics and tips.

Some most important tips and points, which are very necessary in getting leads from your website, are as notified bellow: --

Selecting the customer’s needs—

1 Every website has a particular target customers, so first need is to read the customer’s mind and then working according to it. Targeting the customers, gives you the facility to work specifically for your own customers and resultantly you are more concerned. Your time and efforts gets the right value they deserve.

2 Your customers are the primary target for your business, you have to decide if you want them to contact you or to directly buy the product from your website.

3 If you want the customers to contact you, then it is necessary that you provide them contacting links everywhere they find. It can be added in the form of a simple switch or the normal link, but it should be clear, so that customers go to contact you and you get better leads.

4 The details you give to your customers should be brief, but fully explaining. It must raise the curiosity and comfort in customer’s mind so that the customers have to contact you.

Reaching the customers

1. One needs to reach his customers to get full use of the website and for this, one needs to make steps which reaches to the customers. Your customers may be surfing on other related sites so go for ads on all related sites, where your customers may be found. An attractive ad which can raise the curiosity in the customer’s mind and can assure him that your website can help him is one of the best ways to get Leeds.

2. You can also reach to your customers by Search engine optimization, when you have good rankings in all search engines; it is automatic lead to your website. Most of the people like to find the appropriate site thought the search engines and it help to be popular for you site.

Inlet linking: --

1. Links to your website are very important in guiding visitors toward your website and so get the better leads. You need to put your links to all important website, where you have a good probability to find customers interested in your website.

2. You can also put your links to WebPages, which can be a source for your users as you can add your link to bloggs.

3. You should always use your signature in all your E-mails and electronic papers. The signature can be or can include the address and URL of you website. Thus whenever you send any information you send your URL to a new person it guides the users toward your website.

4. You can use your website’s URL to the newsletters, which your users may be interested in subscribing. It can offer many users to find your website as resources of their interests.

5. You can use any establish newsletter for this purpose or can start your own newsletter, which can inform the users about the latest activities related to your works.

Proper detailing and explanation—

Customers like to go for the website which explains them well. You need to make good prospects and details. If you have good services then it should be clear by the prospect that you are the best provider.

Also you customers would be telling others if they like the way your prospect is., it will also increase your leads.

Referrals—

Referrals are very important in getting leads from your websites. Referrals can be sent up to the customers by the newsletters, E-magazines and by using the signature in every E-paper you use, it may be used as your signature. It gives the address of your site every time you use any E-delivery.

Other main websites are also good references for you. You must put your add on the website where your customers nay be directly or indirectly interested. It will make you in their reach and you will get better leads.

Offline sources

There should be some attention on offline sources too. You can advertise your details on newspapers, magazines and other such sources which can guide the user toward your website.

Those are some of the basic tips and strategies which are important to getting the leads to your website and thus utilizing your website at it’s best.