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    Free Essay
    8.2 of 10 on the basis of 1270 Review.
     

     

     

     

     

     

         
     
    Benefits Of Breast Feeding 307

     

    Benefits Of Breast Feeding Once you've given birth, breast feeding is the single most important thing you can do to protect your baby and help to promote good health. Best of all, breast feeding is free. Along with saving you money on HMR (Human Milk Replacement), breast feeding can also help you to keep your medical bills down. Babies that are fed with formula get sicker more often and more seriously than babies that are breast fed They also have more ear infections, respiratory infections, and other problems. This can be even more true if your family has had a history of allergies. When a baby is breast fed, the antibodies pass on from the mother to the baby, helping to protect against illness and allergies. As the baby's system matures, his body will begin to make it's own antibodies, and he'll be more equipped to handle sensitivities of food. Sucking on the breast will also help with the development or jaw alignment and the development of the cheekbone. For this very reason, there is less of the need for costly orthodontic work when the child gets older. Unlike formula, breast milk is always ready, always available, convenient, and always the right temperature for feeding. Plus, it contains all of the vitamins and minerals your growing baby needs, saving you a lot of money. Breast feeding also offers many benefits for the mom as well. The baby sucking at the breast will cause contractions right after birth, leading to less bleeding for the mom, and helping her uterus to it's shape before pregnancy much faster. Breast feeding will also burn calories, so a mom can lose weight much faster than if she fed her baby with a bottle. Breast feeding will also create a special bond with the mother and the baby which is one thing formula simpy cannot do. (word count 307) PPPPP



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    Itunes Are The New Thing

     

    What is iTunes? It is the local buzzword going around town nowadays. Everybody is talking about it. Well, iTunes is actually a digital media player application that has been developed by none other than Apple Computer. This concept allows you to play and organize your own personal set of digital music and video files. You could also use this program to manage you iPod, the highly popular digital audio player from Apple. You can connect to iTunes Music Store and even purchase digital music and movies as well that you can play on your iPod or iTunes. This easy access to amazing music and movies has made iTunes an extremely popular concept and it is also easy to use, thereby encouraging people from across the world to use it. You can carry out a number of functions with iTunes, literally at the tip of your fingers. You can organize your music into playlists and even edit the files. You might want to copy files into a digital audio player or record compact discs, download podcasts and more. If that is not technology, what is? You can play you songs on a random basis or according to a sequence. You can select the songs you want to listen to and even delete tracks that you don’t want. You can even avail of a radio service from Apple. You can listen to 300 channels and more in MP3 format where you can listen to music and interesting chat sessions about music and the artistes as well. It was in 2005 that iTunes also introduced video support where you can access movie clips from the iTunes library and this can be viewed on the iTunes display screen or a separate window. Today their facilities have increased so much that you can download the best of TV shows and you can watch it leisurely. So now, no disappointments if you miss your favorite show on telly! ITunes is compatible with most computer operations like Mac of course, Windows XP, Windows 2000 and Windows server 2003 system. Today, iTunes offers you a variety of features and really for a person on the move, iTunes is a blessing. You can of course listen to music through playlists, the music library and even the Internet radio. You can enjoy file formatting and music sharing. Enjoy the facility of downloading video clips from your favorite programs on TV and movies too. Podcasting and video podcasting are the features available on iTunes and of course there is the iTunes music store and mini store from where you can purchase any number of songs. iTunes is probably the best thing to hit mankind in recent times. And wherever you are, you can enjoy your favorite songs while you work or while you play. It’s all at the touch of a button.



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    Blue Sapphire Rings 19

     

    It is amazing to me how life works out sometimes. There are so many events that have happened in my life that keep me believing in God. The events big and small, good and bad make me feel that there is a divine intervention that creates these events. My husband’s sister is a kind hearted woman.

    She was married to a man for nineteen years that was verbally abusive towards her. He was an alcoholic that was also addicted to gambling. He gambled away a severance package that she had received from an employer. He did not want children so he had a vasectomy without telling her. She finally had the courage one day to walk out on him and filed for a divorce.

    She bought a condominium and created a new life for herself. She went out with friends and started golfing on a league and began traveling.

    She also had dates and a long term relationship. Last fall she told me that she never wanted to get married again. She was happy with her life and did not want to take the chance of being trapped in another bad situation. I was very surprised when less than seven months later she arrives at our house introducing us to her fiancй.

    They were wearing matching blue sapphire rings that they bought for each other and had plans to marry in two months. They had known each other at work for two years.

    The man is a widower. His wife died after a two year battle with cancer. They talked each day at work and one day decided to go out to lunch together. At this lunch date they discovered they were both born in the month of September.

    They had many other things in common, including living only two miles from each other. They began walking together in the evenings. On these long walks they discovered that they enjoyed each other’s company and that they were both feeling lonely with their single life style.

    They decided that they would get married. The blue sapphire rings were a symbol to them of a new beginning as well as being their birthstones. My sister in law showed me the diamond ring that she would receive on her wedding day. It looked more like a traditional engagement ring. She wanted to wear the blue sapphire rings as her engagement ring because she loved it so much.

    The ring was very unique it had a band of channel sapphires in the middle and a band of channel diamonds on either side. It is so good to see how happy she is. I know that fate has brought these two together.

    I hope they will continue to enjoy each other’s company.



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    Mastering The Masters

     

    Mastering The Masters Master’s Passes Each April, the world’s best come together to tee off for their place in history, at the Masters Golf Tournament in Augusta, GA. After a chilly winter break, the Master’s kicks off the beginning of a new season for professional golfers. With Dogwoods and Magnolias in full bloom, perfectly manicured greens lined with tall stately Georgia Pines provide the picturesque backdrop for the greatest and most prestigious event in golf. Winning the Masters will change a golfer’s life forever. Many of the greats have shined here including Sam Snead, Ben Hogan, Arnold Palmer, Jack Nicklaus, Gary Player, Tom Watson and Tiger Woods. And some have unexplainably gone and never experienced victory – most notably Greg Norman, who has played in five Master’s tournaments and never won. But as beautiful as the Augusta National Golf Club is, most of us just dream of the chance to play the course or even be a spectator. Tickets are sold out months in advance and “waiting lists” are rumored to be in excess of ten years. So how do you get your ticket to the greatest tradition in golf? Here are some tips on how to get there and some “dos” and “don’ts” from people who know. That’s the ticket Everyone who has a passion for golf wants the opportunity to experience the Master’s, this April 3rd to the 9th – but where do you get tickets? If you are not fortunate enough to have season passes, the best and most secure way to guarantee quality tickets is through a reputable and experienced ticket broker/agency. They offer one day ticket passes, weekend ticket passes, practice round play, VIP parties and wonderful packages that include tickets to the events, first class transportation, four star dining and accommodations that range from a basic hotel room to a 15,000 square foot home. “Look for a full service broker that has a history of success with Master’s packages” says Robbi Raitt, President of Empire Tickets, in Atlanta. “Make sure that your package can be customized to fit your needs, so that it will be an experience unique to your personal taste and confirm that your agent will have someone on site during the event to offer assistance if needed.” Raitt advises that a customer should never be shy about asking for references and that the best rule to live by when purchasing tickets/ packages for any event is tired and true – if it seems too good to be true, it is. And whatever you do, don’t throw those tickets away when the event is over. “Tickets are heirlooms.” Eric O’Brien, long time Masters fan says, “Going to the Masters is a family tradition. Old tickets are passed down along with the great stories that go with them.” Way to go! Getting into the Master’s is not cheap but worth every penny. Here is some advice on ways to optimize your experience from some “old pros”. Food. Come hungry because the concession stands get an A + from patrons for taste and quality. Even though the tickets are pricey, once inside a soft drink is still about .35 cents and those famous sandwiches, egg salad, ham & cheese, or the house specialty pimento cheese, are still only about $1.00. Of course there are also many excellent restaurants in the area. Shops. The Masters logo is recognized worldwide so don’t forget visit the two “outdoor golf shops.” The one at the main gate is the big one – every Masters souvenir you can think of can be found there. At the back gate – on the back of hole 5, gate 10 – is where a smaller shop is located. People line up to get in both shops to buy golf shirts, sweaters, hats, seats, glasses, briefcases, screensavers, and calendars anything with the logo. A good tip is to visit these at the end of the day, so you don’t have to carry your purchase around with you. Attire & Etiquette. Spectators of the Masters dress in golf shoes/attire as a sign of respect for the game. The Masters Tournament is an international competition and the contestants are invited guests. Everyone should be treated with courtesy and respect. Everyone is requested to display the proper customs of etiquette, decorum and behavior, and to obey all Tournament policies, signs and verbal instructions of Tournament officials. For the safety of everyone, and in keeping with policy established at major sporting events, running is considered to be unacceptable behavior. In fairness to spectator access and viewing, only one stool/seat will be allowed per person entering the grounds. Seats in observation stands are not to be reserved and stools/seats are not to be unattended for any inordinate length of time. Cell phones, beepers and other electronic devices are strictly prohibited on the grounds at all times. Cameras are strictly prohibited on Tournament days. Anyone violating this policy will be subject to removal from the grounds and the permanent loss of ticket(s). Play. Learn the spectator holes. The Masters course is set up so you can see several holes from several locations. The Spectator Guide, which is given out at all entrances, will show you how to find the best holes for spectators. Get a paring sheet – that will show you how to spot groups on the golf course. If you want to see someone in particular, the paring sheet will help you plot out your strategy to get a good view. “A must see event, in my mind, is spending time on the 16th green, a jewel of a Par 3 where so many tournaments have been won and lost,” explains Glen Jackson, principle of Jackson Spalding Communications, in Atlanta and long time Masters fan. “Spending time on the practice range is great fun and looking down Magnolia Lane, which harkens back to a time long ago and spending time on 12 and 13 are mandatory.” The Hangouts. The “Hangouts” include the practice tee. The first tee and under the first tee near the clubhouse. The putting green, where you can see the 18th & 9th green and 10th tee box. The 16th green is a traditional gathering place. A par 3 (The Par 3 course is a gem. It is worth a peak. Sometimes you might find some former Masters champions playing away from the crowds). The “big pine at16” is known by a lot of people. A huge pine tree is behind the green and does stand out. Another interesting place to visit is the Eisenhower cabin – behind the putting green. President and Mrs. Eisenhower stayed there when on the grounds. He was a member. There are a number of cabins on the grounds that are used during the tournament but the general public can’t go in them, for the most part. Great Expectations. If you have never been to the Master’s before here is a short list of things to expect, according to Ed Presnell, Augusta Metro Chamber of Commerce President and CEO. • Get there early, stay late and really just enjoy the day. The traffic and the crowds take many people by surprise. Don’t try to do it all at one time. Get to the front of the golf course and work your way back. • Be prepared to walk and wear comfortable shoes. • Watch the fan behavior. Watching people is part of the fun. • Unless you have a particular golfer you want to follow, try to see the golf course first. • There may be some protest this year surrounding the club’s admission policy. But most importantly, if you are a golf enthusiast, expect to have an unforgettable experience steeped in history. Since 1934 the Master’s has showcased legends of the sport. In 1980 Seve Ballesteros won, becoming the youngest player to date (just 23 years old) to be crowned a winner. At age 46 in 1986, Jack Nicklaus donned his sixth “green jacket”. And in 1997 Tiger Woods broke the tournament four day scoring record that had stood for 32 years. Not bad for a game with no mascots. Written by Donna Garcia, VP of Sales and Marketing for Empire Tickets in Atlanta, GA Mastering The Masters Master’s Passes Each April, the world’s best come together to tee off for their place in history, at the Masters Golf Tournament in Augusta, GA. After a chilly winter break, the Master’s kicks off the beginning of a new season for professional golfers. With Dogwoods and Magnolias in full bloom, perfectly manicured greens lined with tall stately Georgia Pines provide the picturesque backdrop for the greatest and most prestigious event in golf. Winning the Masters will change a golfer’s life forever. Many of the greats have shined here including Sam Snead, Ben Hogan, Arnold Palmer, Jack Nicklaus, Gary Player, Tom Watson and Tiger Woods. And some have unexplainably gone and never experienced victory – most notably Greg Norman, who has played in five Master’s tournaments and never won. But as beautiful as the Augusta National Golf Club is, most of us just dream of the chance to play the course or even be a spectator. Tickets are sold out months in advance and “waiting lists” are rumored to be in excess of ten years. So how do you get your ticket to the greatest tradition in golf? Here are some tips on how to get there and some “dos” and “don’ts” from people who know. That’s the ticket Everyone who has a passion for golf wants the opportunity to experience the Master’s, this April 3rd to the 9th – but where do you get tickets? If you are not fortunate enough to have season passes, the best and most secure way to guarantee quality tickets is through a reputable and experienced ticket broker/agency. They offer one day ticket passes, weekend ticket passes, practice round play, VIP parties and wonderful packages that include tickets to the events, first class transportation, four star dining and accommodations that range from a basic hotel room to a 15,000 square foot home. “Look for a full service broker that has a history of success with Master’s packages” says Robbi Raitt, President of Empire Tickets, in Atlanta. “Make sure that your package can be customized to fit your needs, so that it will be an experience unique to your personal taste and confirm that your agent will have someone on site during the event to offer assistance if needed.” Raitt advises that a customer should never be shy about asking for references and that the best rule to live by when purchasing tickets/ packages for any event is tired and true – if it seems too good to be true, it is. And whatever you do, don’t throw those tickets away when the event is over. “Tickets are heirlooms.” Eric O’Brien, long time Masters fan says, “Going to the Masters is a family tradition. Old tickets are passed down along with the great stories that go with them.” Way to go! Getting into the Master’s is not cheap but worth every penny. Here is some advice on ways to optimize your experience from some “old pros”. Food. Come hungry because the concession stands get an A + from patrons for taste and quality. Even though the tickets are pricey, once inside a soft drink is still about .35 cents and those famous sandwiches, egg salad, ham & cheese, or the house specialty pimento cheese, are still only about $1.00. Of course there are also many excellent restaurants in the area. Shops. The Masters logo is recognized worldwide so don’t forget visit the two “outdoor golf shops.” The one at the main gate is the big one – every Masters souvenir you can think of can be found there. At the back gate – on the back of hole 5, gate 10 – is where a smaller shop is located. People line up to get in both shops to buy golf shirts, sweaters, hats, seats, glasses, briefcases, screensavers, and calendars anything with the logo. A good tip is to visit these at the end of the day, so you don’t have to carry your purchase around with you. Attire & Etiquette. Spectators of the Masters dress in golf shoes/attire as a sign of respect for the game. The Masters Tournament is an international competition and the contestants are invited guests. Everyone should be treated with courtesy and respect. Everyone is requested to display the proper customs of etiquette, decorum and behavior, and to obey all Tournament policies, signs and verbal instructions of Tournament officials. For the safety of everyone, and in keeping with policy established at major sporting events, running is considered to be unacceptable behavior. In fairness to spectator access and viewing, only one stool/seat will be allowed per person entering the grounds. Seats in observation stands are not to be reserved and stools/seats are not to be unattended for any inordinate length of time. Cell phones, beepers and other electronic devices are strictly prohibited on the grounds at all times. Cameras are strictly prohibited on Tournament days. Anyone violating this policy will be subject to removal from the grounds and the permanent loss of ticket(s). Play. Learn the spectator holes. The Masters course is set up so you can see several holes from several locations. The Spectator Guide, which is given out at all entrances, will show you how to find the best holes for spectators. Get a paring sheet – that will show you how to spot groups on the golf course. If you want to see someone in particular, the paring sheet will help you plot out your strategy to get a good view. “A must see event, in my mind, is spending time on the 16th green, a jewel of a Par 3 where so many tournaments have been won and lost,” explains Glen Jackson, principle of Jackson Spalding Communications, in Atlanta and long time Masters fan. “Spending time on the practice range is great fun and looking down Magnolia Lane, which harkens back to a time long ago and spending time on 12 and 13 are mandatory.” The Hangouts. The “Hangouts” include the practice tee. The first tee and under the first tee near the clubhouse. The putting green, where you can see the 18th & 9th green and 10th tee box. The 16th green is a traditional gathering place. A par 3 (The Par 3 course is a gem. It is worth a peak. Sometimes you might find some former Masters champions playing away from the crowds). The “big pine at16” is known by a lot of people. A huge pine tree is behind the green and does stand out. Another interesting place to visit is the Eisenhower cabin – behind the putting green. President and Mrs. Eisenhower stayed there when on the grounds. He was a member. There are a number of cabins on the grounds that are used during the tournament but the general public can’t go in them, for the most part. Great Expectations. If you have never been to the Master’s before here is a short list of things to expect, according to Ed Presnell, Augusta Metro Chamber of Commerce President and CEO. • Get there early, stay late and really just enjoy the day. The traffic and the crowds take many people by surprise. Don’t try to do it all at one time. Get to the front of the golf course and work your way back. • Be prepared to walk and wear comfortable shoes. • Watch the fan behavior. Watching people is part of the fun. • Unless you have a particular golfer you want to follow, try to see the golf course first. • There may be some protest this year surrounding the club’s admission policy. But most importantly, if you are a golf enthusiast, expect to have an unforgettable experience steeped in history. Since 1934 the Master’s has showcased legends of the sport. In 1980 Seve Ballesteros won, becoming the youngest player to date (just 23 years old) to be crowned a winner. At age 46 in 1986, Jack Nicklaus donned his sixth “green jacket”. And in 1997 Tiger Woods broke the tournament four day scoring record that had stood for 32 years. Not bad for a game with no mascots. Written by Donna Garcia, VP of Sales and Marketing for Empire Tickets in Atlanta, GA



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    Do These Myths Make Your Meetings Miserable

     

    You can hold effective meetings and become a more successful leader if you avoid these seven monsters. Here's how. > Myth 1: Executives belong in meetings. Although the demands of business cause executives to attend more meetings than other professionals, executives should be very selective on which meetings they attend. Top management is responsible for vision, strategy, plans, and communication. That means wise executives spend most of their time thinking, learning, planning, and communicating. Inefficient, ineffective meetings waste the time of the company's most valuable employees. Better: Ask probing questions when invited to make sure that your presence will add value. For example, "What are your goals for the meeting?" "How will I contribute to achieving those goals?" and "How can I prepare for the meeting?" After all, you want to contribute to an effective meeting if you decide to attend. > Myth 2: Holding a large meeting is impressive. Actually, holding a large meeting is expensive. It can also be impressive if it is conducted properly, which means that it will be as small a possible. Better: Invite only those who can make meaningful contributions. The likelihood of holding an effective meeting diminishes with groups larger than ten or twelve. > Myth 3: Structure inhibits spontaneity. This is true if your goal is to obtain random outcomes over infinite time. While this may occasionally produce spectacular results, such as winning a lottery, you can achieve predictable results faster by applying structured activities. These help people make methodical progress toward results. Otherwise, the group is attending a party, instead of working in a meeting. Better: Use structured activities to keep you in control of your meeting and make progress toward results. > Myth 4: People are too busy to prepare agendas. Since there is always time to repeat a task, fix a problem, or make an apology, there must be time to take the steps that avoid such dilemmas. Overall, preparing an agenda saves time and money. Better: Prepare an agenda or, if you are too busy, ask someone to do it for you. Then send the agenda to the participants so that they can prepare for the meeting. > Myth 5: Minutes are unnecessary. This is true for any meeting where people wasted time producing nothing. Effective meetings produce results that are worth documenting. Minutes serve to track action items, record decisions, and inform others. If you are planning a meeting with no results worth documenting, ask yourself why that meeting is necessary. Better: Record key ideas, agreements, and action items during the meeting. Then convert these notes into minutes. > Myth 6: Meetings should last a long time. While this may be true for some meetings, most meetings can be conducted in less than an hour. Long, casual meetings lull people into lethargy. In general, people are able to focus on a task for 30 to 60 minutes. Then their attention fades and they take mental holidays to think about other things. Better: Plan meetings where you spend time and resources in proportion to the value of the results. That is, an effective meeting should be designed to earn a profit. Also, plan short breaks every 50 minutes. > Myth 7: The effectiveness of meetings is a low priority. This is true if you seldom hold meetings. Of course, if you have more than two employees, you need meetings to make decisions, reach agreements, and develop solutions. Effective meetings are a critically essential activity in running a business. They harness the combined wisdom of your staff to invent products, increase sales, improve productivity, plan strategies, and create success. Better: Learn how to plan and conduct meetings that make your business a success.



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    Web Design Give Me Bullets

     

    Did you know there is an essential difference between the way web designers look at the way they design a web page and the way the consumer evaluates the effectiveness of a web design. Comparisons * Web Designer: Interested in every subtle nuance of color, graphic and texture. * Consumer: Interested in how fast the page loads. * Web Designer: Includes links throughout the design for a variety of locations within the web design. * Consumer: Clicks on the first promising link and hopes it’s something interesting. * Web Designer: Interested in the color coordination and presentation of design. * Consumer: Searches for bullet points to help gauge whether the site will be useful. Content over Creativity In many web designs the site is built on the premise that the beauty of the site is what will win customers. The consumer, on the other hand, has seen hundreds of sites and is often only curious to know if your site is going to help them or not. The average consumer will only read knowledge based articles that catch their attention. Consumers often determine an article’s usefulness by scanning. If they lock in on material that connects they will stick around, if not they go back to ‘clicking for gold’. Get to the Point Unlike a television commercial, the consumer doesn’t have to wait to find out what they most want to know about your company. They can skip to the best parts, the end parts or they leave whenever they want parts. It may work to your advantage to use multiple bullet points as well as multiple sub headings in an effort to help the consumer gain a quick understanding of what is in the article or page content and to find out quickly what they want to know. For many consumers if you can’t provide these bits of detail they will keep searching until they find it. Hurry, We’re Losing Them Obviously not all consumers are like this, but many have grown up in an MTV society where the attention span is used to quick bits of information. So, the reality of web design is you may need to work to provide quick, segmented bits of information that work as a quick index of page information that can help consumers connect with your website. Solutions You may find you can actually reach consumers through a template rich web design/hosting option that allows you to develop content that is geared more toward the consumer and less to the sensibilities of a web designer. Whatever method you chose for web design make sure you attempt to gain an understanding of how consumers actually ‘view’ your site. This understanding may help you discover the best ways to really connect with those who want a reason to stick around.



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    Home Equity Loan Loansmagician

     

    Real estate prices across the country have skyrocketed in the last five or six years. Low interest rates, combined with a lack of trust in the stock market has led to a tremendous inflow of capital into real estate. To put that in perspective, take into account the median household income, which is a little over 44,000,dollar and compare that with the national median home price of 216,000 dollar, a very high multiple. Of course, in many metropolitan areas ( ixs. net ) where a large fraction of the nation’s population lives, the rise has been even more spectacular. San Francisco has seen the median home price rise from 395,000 dollar in 2000 to 713,000 dollar in early 2005 For those who did not get in at the right time, the situation is lamentable, many others, on the other hand, find themselves sitting on potential gold mines – in many cases they have witnessed the doubling, trebling or even quadrupling of their investments in a matter of a few years. Walking and sleeping on land that has appreciated under your eyes is a satisfying experience, and some people are quite happy to count their chickens without wanting to cash in on their gains. Others, for whatever reasons want to enjoy their newfound wealth. Home equity loans offer an opportunity to do just that. The fact that property prices have risen means that more Americans than ever before are eligible for home equity loans. Let me illustrate that by an example – say you bought a home for 300,000 dollar five years ago, putting down 20% (60,000 dollar) at that time. If you have a typical thirty year fixed mortgage then you have not made a significant dent in the principal (in this case the loan principal is 240,000 dollar) in the first five years. Now suppose, quite realistically in many cases, that the house value has appreciated from 300,000 dollar five years ago to 500,000 dollar today. In this case your equity in the house would have jumped from 60,000 dollar (your down payment) to 260,000 dollar (down payment plus unrealized capital gains). You would be eligible to take a loan against that increased equity. Most institutions are willing to extend home equity credit for upwards of 50% of total equity in the home. Now that we have established that a rising real estate market has produced many more potential candidates for home equity lines of credit, let us show why this is a financially savvy way of consolidating loans or of securing financing. Whether the reasons are personal, such as Ferrari you have been drooling over, or for your home business, home equity loans are usually the best first option for obtaining liquidity. First, home equity loans take advantage of tax breaks that the federal and state governments give all homeowners – all interest payments made to service the loan are tax exempt. This advantage alone warrants serious consideration – a family in the 30% federal income tax bracket will stand to save a substantial amount on a typical home equity loan. The implications of the tax advantage are such that many people with no need for additional credit take out home equity loans and invest elsewhere just so they can take advantage of Uncle Sam’s generous handout. Second, home mortgages are handled a little differently from other consumer loans because of two reasons. First, the loan is “secured” by a tangible asset (i. e. the house, comprising of the value of the land and the material with which the house is constructed) and second, there is a huge industry that deals exclusively with home mortgages and home loans, resulting in a fiercely competitive environment. To the consumer, this results in significantly lower interest rates on home loans. So, let us recap the win win situation for a home equity line of credit. Rising real estate prices have made more people eligible for bigger loans, in many cases significantly bigger loans than ever before. Relatively low interest rates, thanks to the Fed and a competitive home mortgage industry has kept the cost of borrowing low. And finally federal and state tax breaks on home loans further reduce the cost of borrowing. If you are thinking of borrowing money and you are a homeowner, be sure to consider a home equity line of credit before pursuing alternative methods of financing. For more information about Home Equity Loan visit loansmagician. com/home loan. php



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    Bad Credit Mortgages And The Options You Have

     

    Bad credit mortgages exist. They may be harder to find then those for people with good credit, but they are available if you know where to look. The internet is the best source for finding these mortgages. The internet will also give you the most choices of lenders form which to choose. Determining what makes a person become labelled a bad credit borrower is really a matter of a few factors. Lenders will consider their credit score. They are looking for the highest score possible or as close to the highest score. They will also look at the amount of the loan requested and how it compares to the value of the home. They are wanting a home that is worth more than or equal to the amount being requested. Next they consider the person debt to income ratio. This will tell them if the borrower can afford the loan. Once all of this information is tabulated the lender gets a clear picture of the borrowers financial state. They should be able to determine how risky this loan would be and they will base their decision upon it. Once you have determined you are considered a bad credit borrower then you should start looking specifically for bad credit mortgages. You will want to shop around. You will want to read all the terms and conditions. You should understand that a bad credit mortgage is very costly and you will end up paying more interest and fees than with a traditional loan. Make sure to shop around. There are plenty of good lenders, but there are also those who will take advantage of the vulnerable position you are in. Watch out for excessive fees and extremely high interest rates, which are signals of a bad lender. As long as you shop around, though, you should have no problems avoiding bad lenders. It is also a very good idea to approach a number of large and reputable mortgage brokers. Such brokers have access to a large number of lenders that are not available on the high street to general public, but only through intermediaries and brokers. Many such lenders specialise in finance for people that have a less than perfect credit history. These lenders are ideal. Just make sure you find out upfront how much the broker is going to charge. There is a way to benefit from a bad credit mortgage. Once you obtain the mortgage and you make regular, steady payments you will be building credit. You will be able to establish a better credit rating and possibly refinance for a better loan. Using a bad credit mortgage to your advantage is a great thing that can really help you out in the long run. Bad credit mortgages should be seen as a way to rebuild credit. They may cost a lot upfront, but in the end they are well worth it. For many people a bad credit mortgage is the only way they can afford to buy a home. It is the only way they can get funding, so they use it to their advantage, build up a good payment history and then try for a cheaper, traditional loan down the road.



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    Distance Learning Makes Life Easier

     

    Do you have a desire to continue your education but are just not sure how to fit it into your busy schedule? Or perhaps you want to finish a degree but live too far from a college to make the drive for classes. Whatever your situation, do not be discouraged. Distance learning makes it possible for almost anyone to take a class or work toward a degree regardless of where they live. Distance learning is becoming increasingly popular in higher education. Educators and administrators realize that people are busy and that gaining a traditional education is not realistic for everyone. Distance learning makes it possible for people of all ages to complete a variety of classes toward degrees of many kinds. Distance learning can take place over the internet through online courses or by correspondence through the mail. Having internet is definitely helpful for distance learning, but it is certainly not required. All you really need is an address and a mailbox and you can be well on your way to finishing a degree. If learning from home sounds like it might work for you, begin to research different colleges and universities that offer distance learning as an option for students. A simple internet search or a search at your local library should be able to highlight appropriate schools for you in no time. You will have to consider too what kind of degree or program you hope to study in. Don't rush into studying something until you have explored many options. A great thing about distance learning is that you can continue with the rest of your life while taking classes. You do not have to stop working, change jobs, or stop spending time with your family and friends. With distance learning you can take as few or as many classes as you want to. Some times in your life may be too busy for more than one class but at other times you may be able to fit in two or three distance learning classes. Distance learning is flexible and it allows you to be in control of your schedule. You will have to look hard to find an option that is as flexible and accommodating as distance learning. Is there a specific program or degree that you have always dreamed about studying? If so, now is the time. Let distance learning make your educational dreams come true while keeping your life simple and easy.



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    Viral Buzz Blogs Launches Toothbrush Entrepreneur

     

    Austin entrepreneur, Richard Trocino had a great product idea. And, like thousands of other innovative inventors with a new product concept, bringing that idea into a marketplace dominated by long established brands with deep links and dominance in the retail outlets is challenging. In these days of mega corporations and Walmarts, VCs and small business defined by the government in the land of opportunity, one entrepreneur with a grand idea or product may be considered by any of those groups as irrelevant and insignificant. Another challenge faced by small businesses in today’s marketplace, like in Trocino’s case, is getting an idea produced and generating sales. In spite of impossible odds, Trocino’s invention sells almost faster today than his factories can produce and distribute all over the world. The established companies that were given the opportunity to brand and produce it, now may be wishing they had not dismissed the popular product so readily. Not when the blogosphere is broadcasting around the globe faster and with more range than a speeding bullet; comments appearing include; “OHSO gets my nod for the most stylish and futuristic toothbrush/toothpaste contraption on the market today”, “The Coolest Toothbrush Ever”, and “World’s Most Elegant Travel Toothbrush”. Trocino received micro level funding to get the prototypes built and into limited manufacturing through friends and family after attempts to license the product to both toothpaste and toothbrush companies fell on deaf ears. Similarly, Trocino found his innovation locked out of normal channels of retailing without the benefits of an established proven brand in the marketplace. Discouraged, but undaunted Trocino abandoned efforts to take the product to market using traditional marketing methods. Instead, like entrepreneurs who have met with unexpected success throughout business history he proceeded by seat of the pants and gut instinct. Acting on a hunch, he put it out there exclusively in the world of the internet and ignored the traditional “wisdom” of standard marketing techniques—no phones, faxes, or printed paper junk mail—nothing but net. A guerrilla marketer does not have the luxury of the corporate behemoths who can afford (since it’s investor’s and stockholders money not their own) to throw 98% of their marketing dollars away on a numbers game in a business model that justifies and covers its inherent wastefulness by overcharging those sold customers the expenses of marketing to everyone else. Trocino decided to be a “Swamp Fox” marketer, like General Francis Marion who befuddled the British in South Carolina during the Revolutionary war, and break all the rules of modern marketing warfare. Marketing is a form of warfare and many entrepreneurs have discovered the reality of today’s business battlefields. The corporations and financiers have in today’s market reality stacked the deck against upstart competition by raising the ante into the game of commerce. One unnamed entrepreneurial internet advice columnist estimates the cost of entry to even be considered for funding by an angel or VC group at between $25,000 and $250,000. That is merely for the development of the business plan, and pre start up consulting, general expenses and to purchase access to their secretive inner circle. Trocino decided to wander into the unknown swamp of the internet and blogsphere and see what people would do when offered his innovation directly. Trocino, like most entrepreneurs, is a risk taker, but like most smart business persons likes to reduce risk wherever possible. He knew a good concept poorly executed had little chance of success in the market, so he took his idea to a locally based but internationally known design firm called “Design Edge” and negotiated a co marketing partnership for assistance in ‘packaging’ his innovation. Trocino knew that people who travel a lot would naturally respond favorably to the concept of an integrated toothpaste dispensing toothbrush in a self contained case that protects clothing in suitcases as well as keeps things neat and sanitary. With the co marketing partnership with ‘Design Edge’ the product took on a new personality within a sexy futuristic design that takes the basic utilitarian idea and wraps it in fashionability and elegance. Then with a few well chosen words, a friend with a good photographic eye and a smattering of html code, Trocino put up a website at goOHSO. com, and invited a few friends through MySpace. com to look at his new line of toothbrushes. MySpace would become the testing ground and ultimate launch pad for the rollout of his product. With its stylish modern design and elegant photography, the buzz it generated in cyberspace was somewhat unexpected. In fact, it was explosive! Driven by the dynamics of blogosphere where coolness and fashionability become badges of personal taste and sophistication, the OHSO toothbrush rapidly found its way onto the personal blogs of graphic designers, and jet setters as the coolest thing since crystal ice. When Josh Spears, the blogger’s blogger posted his rave of the sleek product, sales and global visibility exploded. Even the legendary Steven Wozniak, the cofounder of another innovative product, Apple computer, is counted among the OHSO toothbrush users and fans. Today the product is available in high fashion boutiques in the swanky Beverly Hills bastions of elegance and among the cappuccino makers and executive toys on the shelves of Brookstone stores around the country. Blogs have elevated the sensible, functional, practical toothbrush for harried travelers into fashion statements that provide high status and cool despite it’s less than $20 price tag. Not a bad state of affairs for the beaming Trocino who is today expanding the line with even more designs to satisfy the market demands. OHSO is a product that owes its success to a seat of the pants approach to beat the corporate gorillas with a bit of his own guerilla marketing. He simply put it out there in the vast uncharted cyber world where the old MBA strategies have no more influence on the hip youth market than the full color fall outs in the increasing unread Sunday paper. Today freedom of the personal press in the global Blogsville rules a small voice with a message, or product like the OHSO toothbrush, can be magnified into a global phenomena. When people like what they see, they tell their friends, who today are everywhere. Just like Richard Trocino’s classy and well designed toothbrush.



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    3 Ways Your Life Insurance Company Is Scamming You

     

    Although it makes sense to get in touch with a life insurance company to cover your dependents in the eventuality of your untimely death, there are integrity issues surrounding the insurance companies and agents. Broadly there can be 3 ways your life insurance company is scamming you. We have enlisted them for your benefit. Selling Coverage that you don’t need! The insurance companies thrive on the fact that most people don’t understand their life insurance needs. With standard products, they try to sell you coverage that you might not need, but, which are lucrative for them. The insurance agents expedite the process so that you skip the fine print and sign up for a coverage that is ill suited to your needs. The trick is to play on your fear factor and sell you heavy insurance, even if you don’t have dependents. Coaxing you to pay ‘Cash’ We strongly suggest, do not pay your premium through cash to an agent. Further, do ensure that you get a receipt for the payment. There are numerous fraudulent entities posing as genuine insurance agencies that extract hard cash from you in lieu of insurance premium. They ask you to sign at blank spaces in a form, assuring you that it is just a formality. Once you have fallen for their trick, you are left without an insurance coverage. The worst part is that most victims only come to know of this scam, when they have met with some mishap and there is not insurance to cover them. Luring you with benefits! Insurance agencies and agents have a way of promising you unbelievable benefits out a life insurance policy. Life insurance agents might offer you plans, with a guarantee that the policy would run premium free for a specific period. Some agents play it smart and offer you great discounts for signing you up for a new policy, while replacing an old policy. The trick is that the old coverage gets terminated and new coverage does not get initiated due to the cumbersome procedural bottlenecks. Thus, exposing you to risk without cover.



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    Ignoring Negative Criticism

     

    In his book, “How to Win Friends and Influence People,” Dave Carnegie said that humans hate negative criticism. At that time, I thought it was just emotional stuffs. However, negative criticism does not only hurt emotionally but can also hurt your interests realistically. Most of negative criticisms are not true. Even if it’s true, it’s not worth paying attention to. John Maxwell said that we should spend at least 70% of our time on our strengths and only 5% on our weaknesses. Negative criticism puts too much of our attention on what we’re weak at. If somebody tells David Beckham, a great soccer player, that he’s such an idiot because he can’t play golf, do you think David should pay attention to that and learn golf instead? We probably cannot improve too much the points that we’re weak at anyway. Moreover, by allocating resources to improve our weakness we’re taking away resources that could have gone to improve our strength. However, the world is full with so many people that would rain down negative criticism to their neighbors. These acts are often justified by strange fairy tales. For example, the purpose of school is to create a whole well balanced new human being. Implicit in the idea of “whole” and “balanced” is, of course, the idea you should improve your weakness. If it doesn’t serve you to listen or pay attention to negative criticism, why are people uttering it? Envy. Many people, out of envy bigotry do not want you to be successful. They want to stop you from being successful. Imagine if a male makes a lot of money and attracts many females, the other males will not get any and would go extinct, right? Hence, so many males have strong preferences to prevent you from getting rich. They come up with various ways to trick or force you from the one “all right” path you have chosen to success. One way to do it is through frivolous negative criticism. Ignoring criticism will not become a straightforward silver bullet. However, it would work quite well and a good advice enough for an article.



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