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    Free Essay
    7.3 of 10 on the basis of 1308 Review.
     

     

     

     

     

     

         
     
    Odor Removal Techniques That Work

     

    Are you battling an odor removal problem in your home? It is true that once a scent sets in around the house, it can be difficult to get rid of it. There are many different products on the market that boast the ability to rid your home of the scents that you do not like or want in your house. Unfortunately, many of these products simply do not work all that well or only cover up the scents that you are trying to do away with permanently. It can be difficult to determine what is the best approach to rid your home of unwanted smells. Many of the products on the market today require that you spray surfaces with chemicals. In some instances this can help, especially where carpets are concerned because many times the problem is the carpet padding. Once items soak into the carpet padding, it can be very difficult to get rid of the associated smells. Unfortunately, many of the chemicals that you spray on carpets for odor removal only work for a limited amount of time, and then the smells creep back up over time. The problem is that the chemicals often do not actually break down the bacteria that are causing the problem, which allows the scents to stick around and hang in the air. One of the most common problems that people deal with in a home is mold and mildew. The smells of mold and mildew are typically unmistakable and can be from a bathroom that is not ventilated well enough so that mildew and mold grow quickly and stink up the entire house. Washing the shower walls and toilet with bleach based products can definitely help to remove the build up, but if the shower is not continually cleaned in this manner, the problem will simply return. Ventilation is an important odor removal technique because it does away with the actual cause of the mold and mildew growth. In addition to bathrooms, many of the unwanted scents that homeowners complain about are related to the kitchen. The kitchen is a common place for problems to occur because of food preparation, trash, and garbage disposals. If all of these things are not tended to on a regular and thorough basis, odors can get out of control really quickly. Cleanliness and ventilation is again at the forefront of preventing these scents to begin with, but even the best housekeeper will find that there are scents that they would rather not smell from time to time. To approach odor removal without chemicals, one should consider checking out Quantum Pure Aire Products. This company provides state of the art air purifiers that will take out all of the toxins and stench causing contaminants so that you do not have to breathe them in, or have a less than pleasant smelling home. These air purifiers will keep your home smelling fresh and are unbreakable and self cleaning so that you do not have to do any maintenance at any time. Visit quantumpureaire. com for more information about these unique products.



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    Buying Property In Bulgaria

     

    Bulgaria has attracted a lot of attention over the last two years, as foreign buyers and investors flock to its emerging property market. In 2004, foreigners invested over Euro 500 million in Bulgarian property, compared to Euro 98 million in 2003. Frequently listed in the top 20 places to buy a foreign property, Bulgaria is now firmly on the property investment map. With EU entry forecast for 2007 investors are keen to buy into the Bulgarian market to reap the inevitable rewards of capital appreciation and establish a rental income in a country that has demonstrated increasing tourism over the last few years. In the first 6 months of 2005 alone, over 2.7 million tourists visited Bulgaria; with a 42% increase in the number of British tourists. By 2020 the World Trade Organisation has predicted that the number of foreign tourists visiting the country will increase to 10 million. The most popular regions for foreign property investors can be broadly categorised into 3 sectors: the Black Sea Coast, Sofia and the mountain ski resorts. Other buyers are attracted by the old houses inland that can start from as little as Ј1,700 and the medieval charm of picturesque cities and villages like Veliko Turnovo, Arbanassi and Tryavna in central Bulgaria. Enjoying over 300 days of sunshine a year, boasting a coastline that stretches over 380km, spectacular mountains, eco tourism and some of the most affordable property in Europe, there is no wonder that Bulgaria is attracting such interest. Property prices in some regions have doubled in the space of the last two years alone – though new apartments on the coast are still available from as little as Ј20,000. Despite recent bad press about developers and estate agents in Bulgaria over estimating rental returns and exaggerating capital growth rates, Bulgarian property remains under valued and is a good investment.



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    Credit Card Finance Charges Defined

     

    If a consumer carries a balance on their credit card beyond a single billing cycle, they will be charged for it. This is called a finance charge and is associated with the APR on the consumer's account. The amount charged will be affected by the card's APR, how the card was used, and how much was charged. It is important to know that rates, even on Low Interest Credit Cards, vary according to how a credit card is used, so a new purchase will have a different APR than a cash advance or balance transfer. Credit cards can be a bit overwhelming, and the fees associated with them are understood by very few people who use them. This can be dangerous can lead some people into a debt spiral that can be very difficult to get out of. Although creditors should be clearer when presenting their services, it is the consumer's responsibility to do the necessary research before entering in to any kind of financial agreement. One of the more confusing aspects of credit cards is how interest is calculated. The two most common methods of calculating credit card interest are: • The Two Cycle Average • The Average Daily Balance The Two Cycle Average: This is the most common method used to calculate credit card interest, and not surprisingly it is the most complicated. Interest is calculated by taking an average of the amount charged to an account by the number of days in the current and previous billing cycle. A good example would be if during the current billing cycle, the consumer has $500.00 carried over from the previous cycle, and the interest rate of the credit card in question is only 11%. For purposes of this example say the card holder only pays $100.00 on their account. If the two cycle average daily balance is used, the consumer must average the current balance, as well as the previous balance and take a daily average. One way to look at it is this: (Previous Balance + Current Balance) / Two Billing Cycles * 30 = (Amount Applied to Interest)* APR Using the above figures for our consumer, and assuming both billing cycles are 30 days in length, we get: ($1000.00 + $500.00) /60 *30 = $750.00. The consumer would be paying interest on $750.00 instead of the current balance of $500.00. This means a higher interest payment, and it is clear this method favors the creditor. Average Daily Balance: This method averages the amount charged for new purchases over the number of days in a particular billing cycle. An example would be if a consumer purchased a chair for $400.00, then the next week purchased a meal for %25.00. If no additional purchases were made during the current billing cycle, the average daily balance would be $14.17. This should mean that it doesn't matter if you make a purchase on the first or last day of a billing cycle, the amount pain in interest is the same. The best way to maximize the value of any credit card is to not carry a balance, but of course this is not always possible. Only carry a balance when you must, and then only for as long as absolutely necessary.



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    Savings Accounts Retire In Style

     

    We all look forward to the day when we can give up work – but to ensure your retirement is comfortable you will need to prepare for it carefully. Putting a proportion of your earnings towards a pension may seem like a drag right now, but realistically you will need to save for as long as possible to gain a decent income in later years. Not only this, but there are substantial benefits to saving into a pension – you’re not taxed on contributions and there may be additional extras such as life insurance or lump sums included in your scheme. These days people are investing more and more in private pension schemes and long term savings – the state pension is likely to become negligible with an ageing national population. State Pension At present, the basic pension for a single person is Ј82.05 a week. This depends on you having made sufficient National Insurance Contributions over your working life. Even if you have paid off your mortgage by the time you retire, would this be enough for you to live on? Bear in mind that the age when you can claim your pension (currently 65 for men, 60 for women) is highly likely to rise in the near future, and keep on rising. Company Pensions Employers are likely to offer some form of pension scheme. The terms and details of these vary from company to company, but usually fall into one of two basic types: ‘final salary’ schemes, based on your salary and how long you’ve been paying into the pension; and ‘money purchase’ schemes, which depend on the amount contributed into the fund. When you retire, you then buy an annuity – a type of insurance which will pay you a regular income. A money purchase scheme can be more flexible, but slightly more risky. Personal Pensions These schemes offer a lot of flexibility, and there are several different ways to invest, including investment trusts and unit linked schemes that depend on share prices. Personal pensions operate in roughly the same manner as company pensions, only you have more control over your investment. Currently there are limits on the contributions you can make to personal pensions, but these are set to change in 2006. The rules on pensions are changing all the time, and are likely to undergo radical changes in the next few years. For up to date advice, check the Pensions Advisory Service at . pensionsadvisoryservice. org. uk



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    Free Advertising Tips How To Write Ads That Sell

     

    If you are interested in free advertising you are not alone. The fact of the matter is that more and more people are diving into free advertising because they can save a lot of money. After all, what is the point in taking out an ad in a newspaper if you can do this for free in another place? When it comes down to it, you need to consider free advertising so that you can save money yet still accomplish all of your goals. Unfortunately, just because you are advertising without having to spend a lot of money does not mean that you are going to sell everything with ease. In fact, there is one thing that you need for sure if you are going to make free advertising work to your advantage? Do you know what this may be? You need to be able to write ads that sell. It does not matter if you know where to find free advertising if you have no clue on how to communicate this with your audience. The first thing that you should remember about a free ad is that you should keep it simple. Remember, people are not going to take hour after hour to read what everybody has to say. For this reason, your free advertisement should list the benefits and details of what you are offering, without rambling on and on. The quicker you can get to the point the better off you are going to be. Also, make sure that you write ads that are genuine. Remember, there is a lot of spam that makes its way onto free advertising boards. In order to stay away from this type of ad, you will want to be genuine and accurate with every word that you write. This will give you a much better rate of success. All in all, you need to write ads that sell if you are interested in free advertising. Without the proper words you are not going to get very far. Luckily, with a bit of practice you will be creating free advertisements that convert!



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    An Online Degree Program Is It Right For You

     

    If you are already working full time, an online degree program may be the perfect way to continue your education. You can earn an online degree in many popular fields, from criminal justice to business management. An online program allows you to perform class work on your own schedule, offering a way for those who work swing shifts to participate. Here’s what you should know if you are considering getting an online degree. Accreditation Many online campuses are affiliated with major colleges and universities. Others exist only in the online realm. It is not important which organizational structure your online campus uses as long as the program is fully accredited. Most, but not all, online universities are accredited. Accreditation is particularly important if you plan to apply for financial aid or go on to graduate school. Check into the status of any program you are considering. Scheduling Most online university programs are designed for working professionals. As such, they provide great flexibility in scheduling. A typical online class will be conducted in a message board format, in which the instructor posts the lecture at the beginning of each week. Students interact with each other and with the professor via conversational threads. Assignments are typically due at the end of the week. Some online classes require students to log into a secure server to take tests and quizzes, while others base course grades strictly on student generated written assignments. If you must take tests, a window of time (perhaps 24 hours) is generally provided for test periods. Some online programs, particularly those that are affiliated with major colleges or universities, require more restrictive scheduling. You may be required to participate in videoconferences or other group activities at specific times. Alternately, your grade may partially be dependent on daily participation in class discussions. Other programs require a certain percentage of time to be spent on campus. This generally involves a weekend on campus at the beginning of the program and up to a week at the end. If scheduling is a concern, carefully read the materials that are provided by any online degree program that you are considering. Be sure that you understand class participation requirements, on campus requirements and scheduling considerations. Financial Aid If your degree program is accredited, then you will be eligible for federal aid. Additionally, many programs provide in house scholarships, grants and fellowships for eligible students. If financing your education is a concern, contact the school’s financial aid office for more information. Workload For many working professionals, the biggest concern about returning to school is the increased workload. Most online degree programs are designed around the needs of people who work full time. Consequently, you will generally find that the expected workload is less than that of an in person degree program. In some online programs, taking two classes is considered a full time load. This grants half time status to those students who are taking only one class, allowing all students to qualify for federal financial aid. An online degree program is an excellent alternative for those who feel that they do not have time to go back to school. As long as the program is fully accredited, the degree that you receive will be just as valid as one earned at an in person university. Look carefully into any program that you are considering. In order to understand class expectations and scheduling issues, set aside some time before your class starts to familiarize yourself with the school’s software, policies, and procedures. Online universities have a bit of a learning curve, but once you master the system you will be able to earn a degree without giving up your day job.



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    Advantages Of Search Engine Optimization

     

    The Internet has now become a very crowded place. Few years back the number of websites on the World Wide Web was not as huge as it is today. Today the number of websites on the Internet is in millions. In this situation it is very difficult for any website to stand out of the crowd. No website today can survive without proper promotional efforts to make your website a well visited one. To ensure a regular flow of traffic towards your website you need to get it search engine optimized. Search Engine Optimization is a must nowadays. No website can survive today without search engine optimization. Search engine optimization helps you in getting your website noticed. Your page ranking can be improved and this can be your key to online success. The biggest advantage of search engine optimization is that your page ranking improves through search engine optimization. Whenever somebody enters a keyword in the search bar of a search engine, he or she gets the result in few seconds. The websites that appear towards the top of this result page get more chances of getting more visitors. The visits of people on your website are really important. All those websites, which get more visitors, are good gross earners. The earning of a website is very much dependent on the number of visitors a website gets. If a website gets more visitors, the chances of increase in the volume of business are more. If this is not the case, you will not be able to make sales. Getting more web traffic through search engine optimization not only helps you in increasing your sales, it also helps in making money through lending promotional support to other websites. If you place the links of other websites on your website, you can charge them for this service. Thus in this way, search engine optimization helps you in making money online. Search engine optimization is important. You can become search engine optimized by submitting your website to the search engines. You need to rearrange the content of your website as well. Also, you can place the links of your website on some places on the web; this will help you in getting more visitors. Search engine optimization will help you in making more money online in this way.



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    When You Go On Vacation This Summer

     

    Summertime is a very big time of year for vacations. The last thing on people's minds when they are vacationing on a cruise ship, an island, a beach or wherever your travels take you, is what is going on at home. Well, you should at least take care of your home before you leave to prevent a bad situation to come home to. For anybody who has had their house robbed they know that it is not a pleasant thing. Trust me, I have been there. So, in lieu of the situation I want to pass along some tips that everyone should follow to safeguard from some potential disasters. One of the times your home is most vulnerable is when it is left empty for an extended period of time. Darkened windows, unretrieved mail or newspapers and closed windows in hotter weather all advertise an empty house to a potential burglar. Here are a couple of ideas to consider. 1. Have a housesitter. A friend or family member who you trust to stay at your house while you are gone is a great way to fool burglars. 2. If you can't get a housesitter then have a neighbor check on your apartment or home while you are gone. Have them turn on some lights or the tv and radio to give the illusion of life. 3. Keep a radio or tv on a timer if nothing else fails. TV noise would immediately give the illusion of somebody being home. 4. A BIG MUST Make sure whomever is watching your home knows how to work all the alarms in the house and knows the code to turn it on or off. They should also know who to call in case of a problem. 5. Unless there is going to be a housesitter, you must have your mail stopped. Even if it is for a couple of days. A stack of mail is a dead giveaway to a burglar. Also have a neighbor keep an eye out for packages that may be delivered too. Have them pick them up and hold them for you. 6. Make sure you have your garden and plants watered to make it seem like there is some kind of life. Especially if your garden is usually spectacular. 7. Apartment users Check your lease. Many landlords require that you notify them if your apartment is going to be left empty for any period of time. This is so they can enter in case of an emergency. With a housesitter this is not necessary. This is just a few tips to get your through the summer and enjoy it. Enjoy your vacations Adam Walls



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    Know The Facts Before You Hire Home Help

     

    As Americans work longer hours and live more active lives, more homeowners are turning to cleaning service companies for help with housework. Choosing a company can be daunting, as there are nearly 22,000 cleaning service options in the United States, ranging from self employed housekeepers to nationally franchised chains. And few homeowners are aware of the legal issues that come with hiring a home service worker. For example, whether you're paying your neighbor's son to mow the lawn or an independent housekeeper to clean, you may be liable if they become injured on your property. While homeowners' policies may cover medical costs, claims may affect future renewals and premiums. Also, most homeowner policies do not cover lost wages or disability. Larger providers such as Merry Maids may be more costly than independent home service workers, but they can offer peace of mind and prevent substantial costs in the future. Merry Maids, the nation's largest home cleaning service provider, diminishes the risk of injury by following cleaning procedures that are in compliance with Occupational Safety and Health Administration standards. Merry Maids professionals also carry workers' compensation coverage, which protects homeowners in case of an injury on their property. To protect yourself from a personal injury suit or other liability, you should: * Hire vendors that carry workers' compensation insurance. * Reduce the risk of injury on your property by hiring professional services that comply with OSHA standards. * Be wary of referral agencies. They may be professional service companies, but they may not directly employ the individuals who clean your home. There is no guarantee of supervision, employee training, proper equipment or supplies, insurance coverage or compliance with immigration regulation or OSHA standards.



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    Mum My Hair Is Falling Out

     

    My nineteen year old daughter, Siobhan, has a beautiful head of thick copper colored hair. She was horrified this morning to find clumps of it coming out when she was washing it in the shower. I had noticed for a few weeks that the amount of red hair left in the shower was increasing, but just tried to make sure she was eating healthily. Losing your hair is a natural part of the aging process, obviously for men, but also for women, after the menopause. My daughter and I sat down that evening, after work, to talk about her problem. It turned out that she has been under a lot of stress at work recently, with extra responsibility being heaped on her because she is a willing worker. She has also had the usual share of boyfriend problems and a missed period. Combined with eating junk food five times a week and drinking half a bottle of vodka at a weekend this was playing havoc with her body chemistry. Stress can have all kinds of unexpected effects. It can cause stomach upsets, wind and skin disorders as well as the more well known ailments like asthma and headaches. I went to the chemist for a pregnancy test kit, attracting a few strange looks. Siobhan refused to go for one, so someone had to. She was not pregnant, so that was one big worry less. I explained to her that stress messes up a woman’s menstrual cycle and missed periods are commonly caused by stress. I made her write out what she had eaten each day over the past week. It was a horrifying combination of salt, sugar, alcohol, fat and monosodium glutamate. When it was all set down on paper she could see why her body was not functioning normally. It would be a miracle if it had been! We went to the fridge and freezer with a large black bag. Everything that was less than totally healthy went in the bag. This included oven chips, ready meals, pork chops, bacon, butter, full fat milk and cheese. I rang my older daughter, Bernie, to come and take the bag away, that she could have it all because we no longer needed it. The grandchildren would love all the forbidden treats. Siobhan and I made out a diet list for the week. This consisted of fruit, vegetables, salads, fish, chicken and vegetarian meals. We made a shopping list and went out there and then to buy everything we needed. The next morning we both took the day off work, sick, and carried on our life style change discussion. Exercise works well in reducing stress levels, so we rang a gym and agreed to go down that afternoon to look around. Next we looked at our alcohol consumption. Bernie got a box of wine and vodka bottles, she could not believe her luck. Siobhan and I have a way to go yet, but we have made a start on reducing her stress levels, and it is always easier to make lifestyle changes if you have company. We still have to look at her relationship problems and work induced stress, but we have made a good start.



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    Views Are Spectacular Off The Beaten Path

     

    When I was practicing law, my colleagues would talk about how lucky they were to put their kids through college or. “I don’t know how we did it, but we put the kids through college , and now we’re hoping to start saving for retirement,” they’d say. In reality, they were saying much more—“Wow! We’re so lucky to barely be able to put the kids through college, now we’re just crossing our fingers that we’ll be able to start saving enough to retire.” I was on that path too, toward a life of just scraping by, where I’d spend just as much (if not more) than I earned, living financially strapped. It was only a matter of time before I made the same comments and had the same financial destiny. I thought having my own law practice would make me financially free, but my path (owning my own firm) wasn’t going to lead me there, as I learned from my colleagues. So I decided to get off the beaten path and head down a road less trodden, as difficult as it might be at first. In the end, the views are worth the extra effort. Why is it so difficult to get ahead? 1. We unnecessarily spend money on the “latest and greatest,” things we don’t need (but that emotionally appeal to us) 2. Debt—once we’re in the red, and spend based on habit and emotion, it can be very difficult to break patterns, discipline ourselves and get out of debt 3. Taxes take up to 50 percent of our salary.



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    2010 Dodge Challenger Back To The Future

     

    : Blogs, car sites, and auto shows have been hyping up the concept Dodge Challenger to the point where you would think that the car is almost ready to roll off of a DCX assembly line. To say that the prototype is being well received is an understatement quite frankly if the Challenger was available for sale today the waiting list would be many months long. Such is the demand for a retro car that takes its styling cues right from the ’71 Challenger. As it currently stands, the car will be built as DaimlerChrysler has given its blessing to the new Challenger. Still, the Challenger is more than three years from being manufactured as it is likely to be released some time during 2009 as a 2010 model. Yes, the wait will be hard for many, but if the hype equals the performance, then the wait will certainly be worth your while. Some people are against the whole retro car revolution. Citing that Detroit must reach back in time to make relevant cars is a testimony to the each automaker’s woes. On the contrary, I believe the many revived models currently being planned or already on our streets is a clear testimony to Detroit finally listening to its customers: we want cars that are uniquely styled and we want them to perform exactly the way you will say they will perform. No fake hood scoops, no heralded model name slapped on a car that pales in comparison to the original. No, we don’t want you to build the original model we want you to build the original model better. Take the styling cues and run with them and incorporate modern technology to improve upon the original design. That’s all we ask. So, just what can enthusiasts expect when they take delivery of their Challenger? Well, like I said the car is still in the planning stages, but what I have gleaned from various sites is the following information: Modified Platform If you like the Mercedes based LX platform currently used to run the Chrysler 300, Dodge Magnum, and Dodge Charger then the LY platform will suit you too. DCX is planning to modify the LX platform for its next generation of vehicles and the LY based Challenger will be one of many cars built upon it. Some have suggested that the LY will be the LX on steroids, whatever that means. Did Someone Say Hemi? Every Mopar product of significance will have optional Hemi power and the Challenger is no exception. Expect a V6 to be standard with the optional Hemi V8 for performance versions of the car. Some have suggested that the 425 h. p. SRT 6.1L V8 will also be made available for the Challenger. Ragtop Regalia Chrysler says that the Sebring will be its only convertible offering, but that leaves Dodge dealers without a soft top car to market [other than the Viper, of course] . Despite this bit of information, look for a Challenger convertible to show up one or two years after the car’s debut.

    Heck, if DCX doesn’t want to build one then aftermarket coach builders will do the job for them. You can bet that Dodge dealers will make these arrangements if DCX doesn’t. Yes, the Challenger won’t be in new car showrooms any time soon. For those of us waiting with “baited breath” we’ll have to console ourselves with the many blogs, sites, and car shows hyping the car. Other than that, just imagine your shiny new Challenger stopped at a traffic light with a Mustang on one side and a Camaro on the other side…



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