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    Free Essay
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    What Is Abeka Home Schooling

     

    When thinking about home schooling, its easy to begin to be overwhelmed with the right place to begin. Since homeschooling has received more popularity in the 20th century than in the past, there are a lot more resources that you could have found 20 years ago. The downside of this is that there's almost too much information from everyone coming out of the woodwork with his or her ideas, views, and preferred styles regarding homeschooling. For instance, you could spend a whole day just trying to figure out all of your state laws that pertain to homeschooling! You've probably heard A Beka mentioned quite a bit if you are investigating homeschooling. Although there are many types of homeschooling, such as Classical, Montessori, Eclectic, A Beka is not a type of homeschooling, its actually a curriculum package for homeschooled parents to use to teach their children. A Beka is actually a curriculum that supports one of the methods of homeschooling: The Christian Method. Actually, A Beka is one of the most popular Christian homeschooling learning curriculum. It's a curriculum guide that is published in Florida by Pensacola Christian College in Pensacola, Florida. A Beka is a complete learning system for your child that has all of the bells and whistle's, such as, teacher's guides, templates for testing, suggested lesson plans, and well written text books. It is well knows that A Beka is a challenging curriculum and is usually one grade ahead of normal public schools. For example, second grade A Beka learning curriculum is equivalent to first grade public school lesson plans. Its good to note, that A Beka is one of the more expensive Christian curriculums on the market, but is well worth checking it out. You can always look for used books, guides, and lessons plans online or in your Christian book stores if the new curriculum is out of your spending comfort zone. Its also good to check with some of your local homeschooling groups or internet review sites to read up on A Beka curriculum.



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    Homeowners Insurance Coverage Needs How To Determine Them

     

    For first time homeowners or for those who have never really taken a serious look at their Homeowners insurance, determining what Homeowners insurance coverage you need can be a trying time. One of the most important tips to keep in mind when determining what type and how much Homeowners insurance you need is to make this determination before you get started talking with an insurance agent. It is extremely easy to get sucked into buying extra insurance that you will never use by a sly talking agent on the phone. This doesn’t mean that you shouldn’t take an insurance agent’s advice at all, but just be certain of a ballpark figure for the type of coverage and the amount of coverage you need and want before you get started. One of the first questions an insurance agent will ask is the value of the home being purchased. This simply means the basic exterior and interior value of the home as it is when you purchase it, without belongings. Remember that an insurance agent should ask specific questions regarding the exterior of the house, such as whether it is brick, vinyl siding, wood or a mixture, as well as questions regarding a porch, deck or sunroom. Insurance agents should also be asking specific questions regarding the basic appliances on the interior of the house, and will want to know how old the plumbing and electric system are, the air conditioning and heating unit, the appliances and will even ask questions about whether you have expensive countertops or flooring, such as granite or marble. Keep in mind that while you purchased the home for a certain price, say $100,000, the Homeowners insurance company may want to allot payments for the structure of the house to be anywhere from $10,000 to $40,000 over the current appraisal and market value of the house, to deal with inflation. It is up to you to decide if you want to agree to these terms, but remember that the price of repairing these items in the home will increase over the years, and you don’t want to be left with not enough money from the insurance company to cover full replacement of your home at any given time. If you have purchased a home that will soon be remodeled or reconstructed, you may want to go ahead and add a considerable amount to this portion of the insurance coverage, that way if anything happens in the process of remodeling or as soon as the home is remodeled the total cost of remodeling will be covered without a problem. Of course you can always wait until the remodeling is completed to call and get a new price quote, but it is best to have the insurance set in place prior to the completion of the remodeling. The second major factor that should be considered in determining the amount of Homeowners coverage needed is the interior value of the goods in the home. This is a difficult task for some people who have not kept good receipts of purchases and that makes it easy for insurance agents to suggest more coverage than needed in the interior goods department. Before calling for price quotes, it is best to sit down and try to briefly itemize the major purchases in your home, including furniture, large appliances, and electronics. Many basic interior coverage plans do not cover certain electronics such as computer systems or laptops, so be sure to ask about laptop or computer coverage if this is an item you have in your home. As well, some insurance policies will cover jewelry but others will require a separate "special" interior Homeowners policy, although adding this on would only cost approximately $30 $80 a year for most jewelry owners. The final determination for how much coverage needed should be location. It is extremely important to consider whether you will need hurricane insurance, flood insurance, wind and hail damage insurance, or even tornado insurance. Bear in mind that even if you live in a hurricane zone, you may also be required to purchase separate flood or wind insurance, in case your home floods or the windows blow out from the storm. The same goes for tornado or earthquake insurance, as you may be required to have separate amenities added to the policy to cover wind damage or even flooding.



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    Top Ten Reasons To Hire A Personal Coach

     

    Have you considered hiring a personal coach? Jack Canfield, in The Success Principles says hiring a "personal coach is one of the best kept secrets of the successful." 1. A coach can help you clarify your vision and goals. If you have a sense that what you are doing isn’t the thing you really want for your life but you don’t have a clear vision of what you do want, then a coach can help you get clear. 2. A coach can support you through your difficult times. Sometimes, we just need someone to talk to who isn’t too busy, too distracted or too involved to just objectively support us when times are tough. If you feel you just need someone to talk to who understands and doesn’t judge you, then a coach can help. 3. A coach can help you develop momentum. How many times have you started something, felt good about it but then lost interest, never to return to it again? A coach can help you sustain that momentum and keep you focused on the prize. This is similar to hiring a personal trainer to help you sustain the momentum of exercising when you feel like doing something else. 4. A coach can help you stay on track and be focused. Have you ever let the little, unimportant things take control of your day and by the time the day ends, you realize you haven’t accomplished anything you were hoping to accomplish? A coach can help you stay focused on the important things while learning to delegate or dump the unimportant things. 5. A coach can help you take an objective look at exactly what you have been doing. A good coach will ask you to take a close, and sometimes painful, look at what you say you want as compared to the things you are actually doing. Do you see a match? If you continue to do things the way you are, will you get to the place you are hoping to get to? Coaches ask the hard questions. 6. A coach may help you identify both effective and destructive behavior patterns that you may not see. Since the coach isn’t standing in the forest, he can typically see the trees that you don’t. How often do we continue the same destructive patterns over and over again just because we can’t identify them? A coach will help you see this more clearly. 7. A coach will hold you accountable for the goals you set. A coach is not a babysitter. When you decide you want to get going and accomplish some things in your life, a coach will not accept your excuses for why it wasn’t done. Making a public declaration of your intent will also provide you with the needed incentive to keep your commitments. 8. A coach can show you how to accomplish more by working less. Coaches are adept at teaching time tested systems for being more productive. Did you know that research shows that the average 8 hour a day worker is only productive for 1 2 hours a day? A coach can help you be more productive in less time. 9. A coach can help you discover your true passion. Do you ever wonder about your unique abilities and what your life purpose is? If these are not questions that you even think about, then you really DO need a coach! We all have unique abilities and a purpose but some of us never discover them and the rest of us who do are too afraid to just go for it! A coach can help you uncover your passion the thing that will make you excited to get out of bed in the morning. 10. A coach can help you identify your core values and show you how to live in synergy with them. The values by which we live our lives are very important to each of us. Many times, certain values we hold may be in conflict with each other. Sometimes, we are not even consciously aware of the values of importance to us. A coach can help us to live our lives in accordance with our values. This will provide the kind of life of which you can be proud. This is not a plea for you to hire me, necessarily, although I would be willing to discuss that possibility. What I am suggesting is that you will be able to do more than you could ever have imagined with a coach than without one. I know. After I left my 9 to 5 job to begin my coaching career, I floundered around for six months. I knew I wanted to hire a coach, but I thought I couldn't really afford one and I didn't want to hire just anybody. I thought there needed to be a good match between us. I now am employing two coaches one to help me build my business and the other to help me write my book. Since hiring them, I am on a path creating more momentum as I go. In hindsight, I realize I couldn't afford not to hire a coach. Regarding the right match, I do believe that this is important which is why I'm saying this is not an appeal for you to hire me. If you are serious about taking your life to the next level, then find the coach who is right for you. But don't delay. Once this day is gone, you cannot get it back. If you'd like further information about coaching, visit . CoachingforExcellence. biz and check our calendar for upcoming teleclasses, chats and workshops or call me at (708) 957 6047. If you are serious about taking your life to the next level, hire a personal coach. A coach can help you realize your visions and goals.



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    Drug Free Ways To Treat And Heal Insomnia

     

    Insomnia is a very important problem because one third of the population has symptoms of insomnia. There are three different types of insomnia. These are transient, acute, or chronic insomnia. Transient insomnia lasts only a few nights to a few weeks. This is often the result of jet lag, medication side effects, caffeine, transient stress. Acute insomnia lasts over a period no longer than six months, no shorter than 3 weeks. Chronic insomnia occurs nearly every night for a period of a month or longer. You can heal insomnia naturally without resorting to sleeping pills by developing these simple habits: Basic Sleep Hygiene: Exercise at night. Insomnia is often caused by too much stress. Doing exercise at night makes blood to flow in our brain and body. This in turn makes us calm and stress free. Temperature reduction and optimisation. A slight lowering of body temperature which occurs at night plays a very important role in modulating the chemical signals which induce sleep. While trying to fall asleep in bed always take steps to achieve a comfortable temperature as being too hot or too cold can inhibit sleep. If you are bothered by cold feet in the night, or wake up in the night feeling cold, wear socks to bed. The average optimum temperature for quality sleep is 19 degrees, although this may vary from person to person. Read books not TV watches. Read books, magazines or anything that interests an insomniac instead of watching television. Television enhances attention, which makes a person awake. Reading on the other hand while in bed causes the eye to get tired and creates a sleepy feeling. Use organic cotton bedding. Permanent press bedding can give off low grade chemical fumes while you sleep. Your body can deplete nutrients such as zinc and magnesium trying to detoxify these types of chemicals. Take a Warm Bath. It is a great way to relax your body. Do not overdo it, however. You merely want to relax your body, not exhaust it. Too long in hot water and your body is drained of vitality. Use bath salts, or throw in Epsom salts and baking soda—one cup of each. These will relax you and help remove toxins from your body. Bright light therapy and nighttime light minimisation. When we wake up in the morning light hits our eyes and send a signal to the pineal gland in our brain, which is a major regulator of sleep in the body. This signal regulates our circadian rhythm (‘body clock’). This process can be utilised to improve sleep and is especially useful in individuals with abnormal circadian rhythms. Avoid napping. Napping can only make matters worse if you usually have problems falling asleep. If you do nap, keep it short. A brief 15 20 minute snooze about eight hours after you get up in the morning can actually be rejuvenating. General diet: Avoid alcohol as a sleep help. Alcohol may initially help you fall asleep, but it also causes disturbances in sleep resulting in less restful sleep. An alcohol drink before bedtime may make it more likely that you will wake up during the night. Do not drink coffee. As much as possible, a person with insomnia should avoid drinking coffee, sodas, chocolate, cocoa, green tea, black tea or anything that has caffeine. Caffeine is a stimulant that triggers sleeplessness. It can make someone awake for as long as 20 hours. For some, even drinking a cup of coffee in the morning causes them sleeplessness at night. Drink Warm MilkA glass of warm milk 15 minutes before going to bed will soothe your nervous system. Milk contains calcium, which works directly on jagged nerves to make them (and you) relax. Drink Herb Tea If you do not like milk—or are avoiding dairy products—try a cup of hot camomile, catnip, and anise or fennel tea. All contain natural ingredients which will help you sleep. Most health food stores will also have special blends of herb tea designed to soothe you and help you get to sleep. The root solution for insomnia. There are root extracts that can engender a sleepy state. 300 to 600 mg of concentrated extract should be taken 30 minutes prior to going to bed. This root extract can be mixed with calming herbs like those that chamomile, passionflower and balm made from lemon. Do not smoke. Nicotine is a stimulant and can make it difficult to fall asleep andstay asleep. Many over the counter and prescription drugs disrupt sleep. Relaxation techniques: Listen to Music. Play some soft, soothing music that will lull you to sleep. There are even cassettes and records designed for that very purpose. Some are especially composed music; others simply have sounds of waves rhythmically breaking, or the steady pattern of a heartbeat. Acupuncture. Acupuncture, which is a Chinese healing method, could help to heal insomnia. These needles put into the skin strike nerve transmitters that produce sleep inducing hormones like serotonin. Make Sex Alone or with Others Sexual activity directly before bed helps some people nod off easily. Get a Massage Have your spouse (or whoever) give you a massage just before going to sleep. If you can convince them to give you a full body massage, great. If not, even a short backrub and/or a face and scalp massage can be a big help. Have them make the massage strokes slow, gentle, yet firm, to work the tension out of your muscles and soothe you to sleep. Use Aromatherapy Aromatherapy involves the use of scents taken from certain medicinal plants to supposedly heal the body, mind and spirit. Many claim aromatherapy can be used to treat everything from stress to the common cold. Those who suffer from insomnia have difficulty falling asleep and have a hard time staying asleep once they’ve nodded off. This condition may be addressed with aromatherapy.



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    Are We Underestimating What We Spend On Credit Cards

     

    : An investigation organized by Egg says consumers have greatly underestimated the amount that credit cards are used throughout the United Kingdom, what this means is consumers are spending a lot more than they think. The investigation revealed that when consumers thought they had spent was Ј236billion was in fact Ј437 billion, some difference! How come there is such a big difference? Well most of us usually pay for everything with the plastic card and find it hard to keep track of what we spend. Most people have more than one credit card and a lot of them transfer their balances from time to time to get the best interest rate, so when you are working with two or more credit cards it’s easy to miscalculate how much you’re spending, and with so many different payment options for you to choose from you can see how there can be such a difference in what we spend, over Ј200billion! scary or what? Another question you have to ask is, if we do not know what is in our accounts how do we know we are not getting ripped off? Six out of ten consumers didn’t know how much was in their accounts so money could be taken out and they would have no idea. Mind you some would say (not me you understand) if you don’t keep track of your money you deserve to have it pinched. The British Bankers Association revealed that by the end of September, credit cards sales had fallen for the last two months indicating that consumers are being careful, but with Christmas around the corner I am sure the credit card sales will be up and we will have another bumper spending spree with the plastic cards. So the question was, are we underestimating what we are spending? well the facts definitely say yes! So what should we do about it well keep a tighter grip on your accounts, double check what’s coming in and out and make sure everything balances at the end of the month. good luck!



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    Powerful Seo Secrets

     

    If you want to rank on top for Google, Yahoo!, and other major search engines, you’ll need more than a basic knowledge of search engine optimization. Those who rank high on natural search results do so because they’ve been able to effectively manage their on page and off page optimization factors. On page Optimization What you do on your web pages can have a positive or negative impact on your search results. However, as we’ll discuss later in this article, off page optimization is even more powerful when it comes to increasing your natural search engine placement. Some of the most important on page optimization techniques begin with choosing a key word to optimize your page for. There are a number of free tools available on the Internet that can help you find a keyword that is popular but not overly competitive. Keywords that are highly competitive are often very difficult to place well for. Once you’ve selected a keyword, you can take advantage of: Secret #1: Don’t optimize for a single keyword, optimize for a keyword phrase. When you optimize for a single keyword, more often than not, that word is highly competitive and your chances of coming out on top are minimal. Where you gain a significant advantage is by focusing on a keyword phrase. This actually increases your chances of ranking well and ultimately helps you towards ranking well for the single word you originally chose. Secret #2: Place your keyword phrase within the first 25 words of text, and the last 25 words of the page. The h1 tag can be used for developing a headline on your page and emphasizing your keyword phrase within the beginning of your page text (search engines love h1 tags). Another suggestion is to use your keyword phrase just after your copyright notice on the bottom of your webpage. This ensures that it is present within the last 25 words of your page. Secret #3: Place your keyword phrase in your page title and description. Additionally, place the keyword phrase throughout your page being sure to bold the phrase once, italicize the phrase once, and underline the phrase once. Mention your keyword phrase every paragraph or so. Just make sure that it appears natural. If you stuff the page with your keywords, you’ll potentially turn off browsers who would otherwise find your page valuable. Off page Optimization Now that you’ve learned about on page optimization, it’s important that you focus your attention on off page optimization. Of all the techniques that have been developed for SEO, it still comes down to the popularity of your site. The ranking of your website in a natural search engine result list is directly correlated to the popularity of your website. So what do I mean by popularity? Popularity is the number and quality of links to your website. Although I’ve simplified the explanation here, you should know that links essentially count as votes. If everyone is “voting” for a particular website then the website becomes popular. Secret #4: Get other sites to link to you. There are a number of ways to improve link popularity. Although I won’t recommend a specific link building tool, I will say that there have been a number of good products developed that simplify the process. It still takes time and hard work, but over time, increasing the number of sites linking to your website can pay huge dividends. Secret #5: Make sure that incoming links are of high quality (sites with a high Google page rank). It’s not only important to have other sites link to you, it’s also important to have quality sites link to you. Secret #6: Anchor text must include your keyword phrase. When other sites link to you, make sure the link includes your keyword phrase. Sites that link to your domain can help with overall page rank and popularity, but websites who link to you using your keyword phrase (in the anchor text) are what get you to the top of search engine result lists. Secret #7: Give people a reason to link to your website. This can be accomplished in a variety of ways, white papers, free content or tools, etc., but ultimately it comes down to offering something of value. If you do, other websites will give you their “vote”, increasing your link popularity and your search engine results. Increasing your rank on major search engines isn’t complex. But it does take time and effort. If you want to increase your website ranking, begin by implementing what you’ve learned in this article and stay the course.



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    A Mental Wilderness Survival Kit

     

    : A survival kit should be carried by anyone who goes deep into the wilderness. What should be in it? Matches, a blade of some sort, and first aid supplies are among the usual recommendations. When you read the true stories of survival, though, you start to see that it is what's in a persons head that often determines if they survive or not. What, then, should be in this mental survival kit? A Survival Kit In Your Mind 1. Willingness to learn. Even those who know nothing about survival until lost in the wilderness can still learn as they go if they are willing to. If you're cold, watch that squirrel dive under a pile of leaves, and try that to stay warm (it works). Notice what's working and what isn't, and keep trying new things. 2. Willingness to do what's necessary. This is one of the most important items in your mental survival kit. Hey, they can eat hissing cockroaches just for the chance to win some money on "Fear Factor," so you can do it to save your life, right? Spoon with your buddy to stay warm, break open logs to find grubs to eat do whatever it takes. 3. Positive attitude. This is an essential. In many stories of survival it is clear that those who expected to survive did. Even if you're not sure you can survive, encourage this attitude by acting as if you expect to. 4. Inspirational thoughts. This is how to have that positive attitude. An easy and enjoyable way to get this inspiration is to read true stories of wilderness survival. Some of the stories are about situations far worse than anything you are ever likely to encounter. Remembering them at the appropriate time is a sure way to see that you can survive. tell them to others too, if you are in a group. 5. Wilderness survival knowledge. You don't have to go to a survival training school to read and remember that you can safely eat all North American mammals, or that you can stuff your jacket with cattail fluff to create a winter coat. Any little bit helps, so learn a new trick or two each season, or take an edible plant guide on your next hike. 6. Reasons to survive. We all have reasons to want to live, but we need to remember to pull out those reasons when the time comes. Many people have attributed their survival to the constant thought of a loved one waiting for them, or something they want in the future. Maybe you've already done this mental preparation, but it can't hurt to look over the list above again. Is there anything you need to work on in your mental survival kit?



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    Taking Supplements

     

    Taking Supplements Throughout the world, a lot of people have problems with their digestive systems that make it hard to absorb nutrients and break down the food they eat. This is a common problem, one that is usually caused by a poor level of acid in the stomach, toxic in the gut, or a lack of production enzymes that assist with the breaking down process. There are other causes as well, although the above are the most common. Problems with the digestive tract can be improved quite a bit if you slowly increase your intake of nutrients. A diet that is high in organic matter is the preferred way to improve your digestion, although you may need to use supplements as well. The best thing about supplements is the fact that you don’t need a prescription. You can select which ones you want on your own, and purchase them at your local nutrition store or online. The ideal time to take supplements is with your meals. During this time, your body can absorb the nutrients better, as your digestive system will be stimulated with food. If you are using time released supplements, you should take them with food to ensure that they move through your body at the right pace and release the proper amount of nutrients and vitamins your body needs at the right time. Vitamins that are water soluble are the easiest to use, as they will pass through the body easily and quickly, and should be taken three times a day. Vitamins that are fat soluble are best absorbed if they are taken with food that contains fat. You should always take vitamins with meals, as the minerals and nutrients found in food will work with the vitamin supplements. There are some supplements that may interfere with others when you absorb them, so you should always make sure what you are taking is acceptable to take with other forms of vitamin supplements. Below, is a list of the most common vitamins and how you should go about taking them. 1. Vitamins A, D, and E These vitamins should always be taken with meals that contain fat or oil. 2. Vitamin B You should always take vitamin B supplements as soon as you wake up, to get the maximum benefit. You can also take them during the day with a whole grain meal. 3. Vitamin C Supplements containing vitamin C should be taken with meals and never on an empty stomach. 4. Iron Iron supplements should always be taken with food, as they are easy to absorb this way. 5. Multi vitamins You can take multi vitamins at anytime, although you should always consume a small meal with the supplement. Even though you may be on a healthy diet, you should still make sure that you are getting the proper vitamins and supplements as well. Supplements will help your body get the vitamins and minerals it needs, especially on days that you aren’t able to eat what you should. Life can get hectic at times, which is where supplements can really come in handy. If you include supplements in your diet and take them correctly, you’ll find that your body will be much healthier. There are many different vitamins and supplements that you can take, although they will depend on what you are trying to achieve. You should always research a vitamin that you are interested in taking, and make sure it fits your needs before you decide to purchase it. PPPPP (word count 579)



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    Which Wireless Plan And Phone Should I Buy

     

    “Which cell phone should I buy” is a question a lot of people ask, but it is one that doesn’t have an easy or simple answer. That’s because there are so many cell phone choices and plans available today, and different people have different needs and different reasons for wanting to get a cell phone. If someone is looking for a cell phone to carry just for emergencies or if their vehicle breaks down, a basic phone with a low cost plan is all that is needed. A prepaid phone with minutes that do not expire quickly is another good choice. On the other hand, if someone wants to have a phone to use as their primary mode of communication and also wants to be able to store information in it, a combination cell phone and PDA might be the best choice. A calling plan that includes a significant number of calling minutes that can be used any time would probably also be a good choice for that person. The first step in buying a wireless phone and calling plan is to get out a piece of paper and a pen. Write down the reasons why you are going to purchase a cell phone along with what you are going to use it for. Think about how many minutes a month you will probably be using the phone. If you plan on using the phone often you will want a plan that has a lot of “anytime” minutes, not just minutes that can be used at night and on weekends. Where is the phone going to be used? Will you be using it primarily in the area you live and work or do you travel frequently? If you travel frequently and plan to take your phone with you, a plan that gives you nationwide coverage is a good choice. If you travel out of the country frequently, look for a phone that can be used internationally. If you plan to use the phone extensively in your home area, look for a local or regional plan that offers a lot of minutes during the times you plan on using the phone. If you want to be connected with your spouse and children, a family plan is a good choice. Look for a family plan that lets family members talk to each other as much as they want without using any of their plan minutes. Look for specials on phones. Wireless companies often offer specials deals when purchasing a family plan (and other plans as well). It is sometimes possible to get phones for the entire family for very little money or even free with a contract commitment to keep the service for a certain period of time, usually two years if you want to get the best deal. Some people want to be able to have short and quick conversations. For those people a push to talk phone may be a great idea because it allows quick conversations that do not count against a person’s plan minutes. One caveat; the other person or people you want to have a conversation with also have to have a phone with push to talk capability in order for a push to talk conversation to be held. If the ability to text message is important check to see how much text messaging is going to add to the cost of your plan each month. Text messaging is most popular with teens. Many adults however would rather call someone than try to type a text message into a cell phone that has tiny keys, and most cell phones do. If you do a lot of text messaging, a stylus (the type used with PDA’s) can make typing messages much easier. One of the most important considerations is your budget. How much can you afford to spend each month? Even low cost plans can start to get costly if a lot of additional features are added to the basic plan such as text messaging, picture messaging, Internet access, and any of the myriad of downloads that are available from ring tones to games to the latest news and sports scores. Optional insurance on a phone also adds to monthly costs. Depending on the wireless company you use, the monthly phone insurance cost is approximately four to six dollars. Insurance may be a good idea if the phone isn’t always going to be handled with care or if it is a picture phone, because one hard fall on concrete can ruin the picture taking capabilities of a picture phone. Take time to consider how many minutes you will realistically use. Although the charges for going over plan minutes can be costly (usually at least 40 cents a minute with the exception of some plans that allow for overages and charge a reasonable fee), most people don’t ever get even close to using all their minutes each month. If you are not sure how many minutes you will use, choose a mid range plan and closely track your minute usage for three months. Then adjust your plan accordingly. If you are not a person that wants to commit to a one or two year contract, a pay as you go plan is probably the best option. There is no long term commitment and most of the major wireless carriers now offer a pay as you go package. Another big consideration is coverage. Some of the major carriers do not have good coverage in some areas so also check with the local and regional companies in your area to see what their coverage areas are. Probably the best way to find out how good the coverage is in your area is to talk to family and friends who already have cell phones. Ask them what their reception is like and if there are any areas where it is so poor that conversations are nearly impossible. Also ask how often they have dropped calls. Those pieces of information will give you a good idea of how good the coverage really is in your area. Once you decide on a company, a plan, a phone, and your contract is signed; use the fifteen or thirty day return period that many companies now offer to use your new phone in all the areas you will most often use your phone. If the phone does not work well in those areas, do not be afraid to return the phone and try a different carrier. Be aware that even though coverage areas are quickly getting more expansive, there are still areas that do not have very good coverage no matter which carrier is chosen. There are lots of phone choices available. Many plans offer decent quality phones for a nominal cost or for free with the contract commitment. Phones can be free or cost several hundred dollars. Shop around. Try out phones. Get a phone that you like and can easily use. Many people overbuy on their phone. They want all the latest features and gadgets but hardly ever use them. For instance, picture phones are very popular right now but most people who have a picture phone hardly every use it. Do not let an overzealous salesperson talk you into the latest and greatest phone unless that is what you want. In the end, the choices are yours to make. By doing some planning, research, and by shopping around before buying, you will be able to make an informed decision based on your needs, wants, and budget; and will have a plan and phone you are comfortable with.



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    Open Some New Doors With Your Own Video Products

     

    Here’s a not so secret secret: the market is getting tired of the usual eBooks and special reports that promises the most revolutionary information. They want something new… something more… something that they could actually respond to. And it becomes an Internet marketer’s challenge to come up with novel products that would excite a market slowly sinking to indifferent stupor. And the most encouraging product types that have been invented in recent months are video products. Yes, video that you could actually watch from your monitor screen. Video that is accompanied by audio commentaries, which seek to inform, if not to entertain. There are many reasons why video products are better than written works, which have become passй after a decade or so. * People respond more to what they could see and hear, rather than what they could merely read. * People are more stimulated with what they get to enjoy watching. * Some information which cannot be clearly conveyed with written works can actually be demonstrated with video presentations. * Video presentations present information in a clearer, and often, more concise manner. * Video presentations are viewed as more professional products compared to their counterparts. Indeed, video products are easily better options compared to conventional varieties. But the problem that most Internet marketers experience with this medium is the seemingly complicated process involved in their creation. This, however, should not be the case. With the right knowledge on how to proceed, you’d realize the creating a video product is easier than baking an apple pie. Let’s take a look at the essential steps. 1. Select a subject you want to tackle, preferably a subject you are already familiar with. 2. Select a particular aspect of that topic which you will want to discuss. It should be something engaging and helpful for your future customers. 3. Prepare an outline of how you will discuss the said aspect of the subject. 4. Do your research. 5. If your subject involves a certain niche, get a digital camcorder and record the appropriate material. You may choose to add your audio in real time, that is, while you’re filming your footage, or later on, during the editing process. 6. If your subject involves online affairs, download the screen capture program at camtasia. com. This would allow you to capture your computer screen’s movements in. avi format. Camtasia would also allow you to record the audio in real time, or you may prepare a different audio file via Windows Sound Recorder and synchronize both formats later on. 7. Edit the materials using a video editing software program. There are many of these for sale, but if you want something readily available, Windows XP comes with a movie maker program already. 8. If you will offer your video product for download, convert your file into. wmv format to compress its size. 9. If you choose physical delivery, burn your video product on CDs or DVDs, and prepare them for shipping. 10. Then you could market your product already. Nothing is complicated about it. Creating your own video product is indeed that simple. Anyone could do it, actually. And the applications for this type of creation are amazingly diverse. * You could add video components to your sales page to increase your response rate. * You could offer downloadable video lessons to increase consumer confidence. * Instead of preparing a written manual, you could demonstrate what is needed to be done with a software product you’re offering through a series of videos that can be packaged with your item. The possibilities are endless. The above examples are just a sampling of the many doors that video products can open for you. If you want to favorably position yourself in the online marketing field, do consider creating your own video products as soon as possible.



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    Mini Rejuvenation Vacations

     

    Nothing beats spending a week or two on a luxurious rejuvenation vacation. Of course, who has the time? Allow me to introduce you to mini rejuvenation vacations. Mini Rejuvenation Vacations If you need a little pick me up or just an indulgent weekend, why not try one of the many day rejuvenation retreats available throughout the country? Whether you're on the East Coast, in sunny California, or landlocked in the Midwest, there are plenty of different retreats ready to pamper you for that weekend getaway or midweek splurge. When choosing a place to take a mini vacation, you'll want to choose a place that's close enough to home to be convenient for a small vacation. At the same time, it needs to be far enough away that you get that “getaway” feel. It may sound like a small distinction, but your mindset is critical part of getting the most out of the rejuvenation process. If you're on the East Coast, the southern area of North Carolina and below can be a welcome change if you're from the New England area. One retreat that offers mini vacations that the whole family can enjoy is Pinehurst Resort, located in Pinehurst, North Carolina. This resort offers a unique experience: the teen relaxation service. More specifically, they offer treatments and techniques tailored to children age 6 11 or teenagers age 12 and above (with parental supervision for children under age 17). The services include teen facials, a Mother and Teen Daughter ReTreat, a Mother and Young Daughter ReTreat, and even pedicures and manicures for the younger set. The Pinehurst Spa is a great place for a mini vacation that includes the whole family without the stress! If you're looking for an even more "mini" mini vacation, why not try a trip to a day rejuvenation retreat for relaxation? Take, for instance, the Two Hour Heaven package at the 5 Elements Spa and Wellness Center in San Clemente, California. This two hour package includes a European facial and full body massage with aromatherapy. Even though you haven't even been away for a full day, this sort of pampering will make you feel as though you've taken the greatest of vacations. Just remember that no matter how short your vacation is, use the time to relax and enjoy! You'll feel great if you just allow yourself to enjoy the treatments and tranquility of your chosen location and atmosphere. Yes, there are tasks waiting for you back in the real world, but they aren’t going anywhere!



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    How To Read A Credit Report

     

    Navigating a credit report can be a bit confusing but it is important to understand how all of those numbers affect you whether or not you are considered credit worthy. A credit report is broke into four basic sections and each one is important to your credit score. The first section contains your identifying information This is just the basic information that identifies who you are. It can include a list of addresses where you have lived, your name and any other names you have gone by, your social security and driver’s license numbers, spouse’s name, date of birth and telephone numbers that have been linked to your name. The second section contains your credit history This section will list all of the credit accounts that you have. It will tell how long you have had the account, what kind of account it is, if it is a joint account, amount that the loan was for or the credit limit you have, total amount that you owe, amount of monthly payments, Status of the account, and if you have been making your payments on time. This section might also include notes that tell if you typically pay late or have a debt that was never able to be collected. The third section contains your public records This section includes any bankruptcies, tax liens, or judgments against you. If it is in the public records, it will show up in this section of your credit report. The fourth section contains inquiries Anytime someone requests your credit report, that information goes into this section. That means that every time you fill out an application for credit, that credit request will be noted on your credit report. Not all inquiries on your credit report were initiated by you. Soft inquiries are those requested from companies looking to contact you unsolicited and offer you a pre approved loan or credit card.



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