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    Free Essay
    9 of 10 on the basis of 1868 Review.
     

     

     

     

     

     

         
     
    Removing Unwanted Hair One Woman S Journey

     

    Hello. My name is Brooke. I’m a single woman in my thirties (or more precisely, 29 again and again and again and…) Over the last 12 months I’ve tried more hair removal products than I care to remember. Not purposely, mind you – I didn’t set out to evaluate a series of products or write a comparison narrative – I just wanted to find the right product for me. And please don’t think I’m covered in hair. I have simple needs – legs, underarms, touch ups in certain other areas… As it turns out, my simple goal turned out to be not so simple – and lest my trials go to waste I thought I’d share them with you, gentle reader. I can only hope that you will learn through my experience. Shaving Probably like many of you, I started off in my hair removal life by shaving. I shaved all parts that I wanted free of hair. This worked well for years – or so I thought. Somewhere in my post 29 age, I started growing weary of the constant shaving. I needed to shave every day if I wanted to keep it smooth; every other day and I could feel the stubble. My tolerance for the inevitable nicks and cuts had been reached. Sure it was quick, but I finally started wondering if there might be something better. Waxing First, a quick note about waxing. When I was in college, my girlfriends introduced me to this method. Or should I say, this torment? You have to understand, I do not have an exceedingly high threshold of pain, especially when it comes to my own body. Others I can inflict pain on; such as old boyfriends who decide to dally with the short blonde from the corner cafй, or who have an addiction to watching adult videos over the internet. But when it comes to me, my body is a temple and should be treated as such. Waxing, though effective in removing hair, rips it out like a band aid on steroids. Plus, it’s messy and smells bad. I soon decided that was not an activity I would subject myself to on a regular basis. Hair Removal Cream After I decided that there must be a better option than shaving, the first thing I did was trot right out to my local store to see what products were available. What did I discover, but a cream that touted to remove hair simply by wiping it on, and wiping it off. “Ah ha”, I thought. Now this is what I was looking for! I bought the cream and brought it home (I won’t tell you which one, but it’s widely available, begins with an N, and rhymes with “hair”). Following the directions, I wiped it on, let it stand for a few minutes, and wiped it off. Lo and behold, with a little prodding, the hair came off my legs. The story would end here, except for two things – the smell and the dryness. First, this product smelled bad. I thought I could get past that; after all, it removed the hair, didn’t it? But try as I might, the smell was just too great of a cost for the benefit I received. Plus, it left my legs feeling dry and chaffed. I decided there must be a better solution. Epilators You might recognize this better if I called it “electronic hair pullers”. When I was at the store earlier, I had noticed some of these. When I went back to the store, I decided to try one. They all promised that I could go weeks between uses. I have to admit, the devices themselves looked a little intimidating. Staring at the trimmers made the hair on my legs stand on end. But I was determined to press on, so I purchased one and took it home. Before I go on, you need to understand that I do consider myself an intelligent person. I have a successful career, get along well with my parents, and can point to several relationships in which my partner was totally at fault for screwing things up. Nevertheless, the only research I did so far in my quest for the perfect hair remover was looking at products on the store shelves. I didn’t use my epilator when I first brought it home. Instead, I took it out of the package and set it on my bathroom counter. I thought, “I’ll let it get the feel of the place”, like a newborn puppy exploring its new home. “Then perhaps it won’t hurt as much as it looks like it will”. My kindness was not repaid. By the time I used my new epilator, I had some three to four days growth on my legs. The stubble was palpable. And what I learned about my epilator was that it hurt. I’m proud to say that I used it on both legs. But in the interest of being honest, by the time I was done I was in tears. I couldn’t bring myself to repeat the exercise. That epilator sat in a box in my closet until I donated it to charity at the end of the year as a tax write off. I now know there are far better epilators available than the one I purchased on that day. However, much as I like the thought of a quick electronic device to remove that hair, I have not been able to bring myself to try another one. Maybe someday, but not today. Electrolysis… and a friend Discouraged, but not undaunted, I decided to do some research before my next foray into the world of hair removal. I had heard about electrolysis before, but something about it started to intrigue me more and more. Perhaps it was the claim of “permanent hair removal”; perhaps it was its documented history of success. I decided to give it a try. After researching online, I determined that home electrolysis products – including RF, ultrasound, etc – are dubious at best. They may be effective, but you need to be careful and know what you’re doing. Better leave it to the professionals, I thought. While I was doing my research, I shared the story of my quest with a friend. She admitted that she had been looking into laser hair removal. We both agreed to make our appointments with the professionals me, electrolysis, and she, laser), and compare the results. I made the appointment for my electrolysis treatment session. Now, you have to understand that electrolysis it not cheap. Fortunately I was in a position where I could try it – but I’m well aware that not everyone could afford the thousands of dollars that professional electrolysis can cost you each year. So what did I learn about electrolysis? First, it’s sloooooow. I mean painstakingly slow. A trained specialist inserts a needle into each individual hair follicle while applying an electrical current to it. The current travels through the needle and kills the hair at its root. Then they pull the hair out with tweezers. Second, it’s painful. More than I thought it would be. The bad news about my epilator was that it hurt; the good news was it was over rather quickly. Electrolysis hurts too; the bad news is that it goes on for hours. And that’s just for one session. You need to schedule multiple appointments and come back for more sessions for different parts of your body. The solution is permanent – but only after repeated visits. So if you’re serious about electrolysis , you need to be prepared to spend the next 2 3 years minimum undergoing these long, painful, and expensive treatments. I had higher expectations than that. I haven’t been back for my second appointment. Laser At around the same time, my friend scheduled her appointment for laser treatment. There are a variety of laser hair removal treatments – IPL, Ruby Red, IML, to name a few. They all share a similar approach; a laser beam is applied to the skin which kills the hair. She had previously undergone electrolysis treatments, so she had a good deal of apprehension related to how much pain would be involved. She was much relieved to find the process relatively pain free. There is a mild “thumping” on your flesh while the laser is being applied – kind of like a rubber band being snapped on your skin. And, the process was far quicker than electrolysis – it only took a few minutes versus hours with the electrified needle. Drawbacks? Cost for one. The laser treatments she signed up for cost hundreds of dollars each – well over a thousand in all. Through my research I also discovered that the government recently issued a ruling that laser hair removal is not permanent – so the treatments (and cost) need to be continued indefinitely. For my friend, the benefit of quick and relatively pain free removal was worth the cost. In fact, she continues her laser treatments to this day, and is quite satisfied. For myself, I decided to continue looking for a solution that would give me similar results but cost far less. Back to the drawing board By this time I was feeling very educated about hair removal. But where did that leave me? It seemed I had run out of options. Like any good researcher, I went back over my notes to see if I had missed something. In fact, I closely examined my first option – the hair removal cream. I reflected upon what I liked about it – simple to apply, simple to wipe off. And what I didn’t like about it – primarily the odor. So then I decided to do some research on the internet, not just on the store shelves. Something I had failed to do the first time around. Problem Solved! After doing some research I purchased a different hair removal cream. And what did I discover? My new cream worked better than my original purchase, plus it supplied my skin with moisturizing nutrients and vitamins. Even better, there was no ugly odor that I had to endure! Soon after I first applied this cream, I discovered that I could go for weeks between applications with no worries of stubble. And the hair that does grow back is finer (not as coarse or rough). I finally found a product that meets my (perfectly reasonable but obviously demanding) needs! My Advice So what product did I settle on? This isn't a sales article, so as much as I’d like to, I won't reveal which product I settled on. It's been months now, and I'm very happy with it. I find it difficult to recommend a product to you, because your pain tolerance or needs may be different than mine. My advice to you is… do just a little research online before your next hair removal product purchase. A great source for independent reviews and product rankings is TopConsumerReviews. com at topconsumerreviews. com/hairremoval. Their analysis is well thought out and you can access all their information for free. Take a look at their reviews and see if you can find a product that fits your needs. I hope you can benefit from my experience without having to spend the next few months (not to mention $1,000+) trying all sorts of products to remove your unwanted hair. Good luck and stay beautiful!



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    Appealing Business Personal Property Tax Assessments In Texas

     

    "Collecting more taxes than is necessary is legalized robbery." These words of wisdom, spoken by the 13th president of the United States, Calvin Coolidge, still ring true in today's society for homeowners and business owners. Robbery may seem like a harsh word, but what would you say if someone tried to sell you one year old motel sheets for 90% of the original cost? Based on the appraisal district's depreciation schedule, this is a fair deal. Most people would not consider this a fair deal and either reject the offer or request a lower price. This should be the same thought process when the appraisal district overassesses your business personal property (BPP). Texas law requires business owners to report BPP, personal property used for the production of income, to the appraisal district for assessment and taxation. Although there are no criminal penalties for not complying with the law, there is a penalty of 10% of the taxes. For example, if you have a BPP account assessed for $100,000, your annual BPP taxes are $3,000, based on a 3% tax rate. The 10% penalty for this BPP account would be $300 ($3,000 times 10% equals $300). The huge range of assessed value for business personal property (BPP) makes obtaining substantial property tax reductions highly probable. It is not unusual for the range of assessed value for BPP accounts for similar properties to vary by 5,000%! For example, furniture and computers for companies within the same office building sometimes vary from $1 to $50 per square foot. Market value and unequal appraisal are two options for appealing BPP assessments. Given the inequity in BPP assessments and the subjectivity of valuing BPP, property owners have a high probability of success when properly prepared for a BPP assessment appeal. Protest both market value and unequal appraisal. How to appeal? To appeal your BPP, you can either use the Comptroller's form, or send a letter to the appraisal review board (ARB) on or before May 31st of each year. The protest letter to the ARB should identify the property and the reason for your protest (section 41.44d of the Texas Property Tax Code). Tips: · Since the appraisal district's staff tends to become more motivated to resolve appeals later in the season versus earlier in the season, it is better to appeal or protest on May 31st or shortly before the deadline date. · Even if you do not receive a notice of assessed value for your BPP account, it is still important to send a written notice of appeal or protest. The appraisal district does not have to send a notice of your assessed value if the value does not change by more than $1,000. If the notice of assessed value gets lost in the mail, and you do not send a protest notice, you lose your right to appeal for the current year. When sending a notice of appeal to the ARB, also send the appraisal district a House Bill 201 request. House Bill 201 refers to section 41.461 of the Texas Property Tax Code that allows property owners to obtain a copy of any evidence the appraisal district plans to use at the ARB hearing 14 days before the hearing. This request prohibits the appraisal district from using any information that was not provided to the property owner 14 days before the ARB hearing. Market Value, Book Value & Comptroller Schedule Three popular options for describing value for BPP are: market value, book value, and the Comptroller's schedule. Market value is defined in section 1.04(7) of the Texas Property Tax Code that reads as follows: "Market value" means the price at which a property would transfer for cash or its equivalent under prevailing market conditions if: (a) exposed for sale in the open market with a reasonable time for the seller to find a purchaser, (b) Both the seller and the purchaser know of all the uses and purposes to which the property is adapted and for which it is capable of being used and of the enforceable restrictions on its use, and (c) Both the seller and the purchaser seek to maximize their gains and neither is in a position to take advantage of the exigencies of the other. Let's compare the differences in value resulting from using market value, book value and the Comptroller's schedule. The BPP for a typical motel room includes items such as bedding, linens, window air conditioning unit, towels and a television. Based on market value, after one year, these types of items could probably only be sold for 10% to 30% of the original cost. Book value, based on federal depreciation schedules, indicates a value of 80% of the purchase price after one year. The Texas Comptroller's schedule for BPP for motels has an eight year life with 10% depreciation for the first seven years. Hence, the Comptroller schedule indicates one year old hotel furnishings are worth 90% of their original purchase price. This is clearly inconsistent with market value for these items. Inventory There are a number of controversial issues related to how inventory is assessed. These include shrinkage, damage, functional obsolescence and economic obsolescence. For example, what is the market value of merchandise returned during the week after Christmas on January 1st (the effective date for valuation)? Since returned merchandise has usually been opened, damaged, missing parts or may be an unpopular item, it is worth less than cost in many cases. Market value is relevant in determining the assessed value for inventory for Texas BPP taxes. Preparing A Summary For Your Hearing The appraisal district would prefer to see a fixed asset listing, which includes the original cost and date of acquisition for every asset purchased. However, a fixed asset listing is not required. This is good news for small businesses that do not maintain a fixed asset listing. Unequal appraisal Assessed values for BPP accounts often range from ten times to fifty times on a per square foot basis for companies in the same industry. For example, real estate brokerage offices, which have 10,000 square feet of office space, may have assessments ranging from $10,000 $500,000. It seems unlikely that the computers and furniture in one brokerage office are 50 times as valuable as those in a competitor's firm on a per square foot basis. Appraisal districts tend to accept the assessed value rendered by property owners. Many large companies render using fixed asset listings. Appraisal districts use the cost basis information and the Comptroller's schedule to calculate the "market value" for property. The valuations for these rendered accounts tend to grossly distort the actual value of these properties. Property owners who do not render have values on the lower end of the range of value. While it seems intuitive that appraisal districts would penalize owners who do not render by sharply increasing their assessed values, the practice is the opposite. Appraisal districts tend to reward property owners who do not render by leaving their assessed values at modest levels. This creates a disincentive to render. It also unequally taxes property owners who render with a fixed asset listing. These factors have caused a high degree of dispersion in BPP assessed values. How To Appeal On Unequal Appraisal Contrary to popular belief, it is possible to appeal BPP utilizing unequal appraisal, a concept that is fairly new. Most property tax consultants and large property owners have not considered or utilized unequal appraisal regarding BPP. Appraisal districts are resistant to the concept of appealing BPP based on unequal appraisal. (It is inappropriate to tax property owners who render using a fixed asset listing at the highest level, based on utilizing the Comptroller schedule, when allowing property owners who do not render very lean levels of assessment.) Preparing an appeal based on unequal appraisal for BPP is simple and straightforward. Start by obtaining information on the assessed value, and amount of office space/manufacturing or warehouse space for property owners similar to the subject property owner. This is typically done by using companies with the same Standard Industrial Code (SIC) as the subject property owner. You can obtain this information by sending an open records request to the appraisal district. When appealing, research the assessed value for your competitors. Compile data regarding the assessed value and building area for the subject and comparable accounts into a summary: When should you appeal? Appeal annually on market value and unequal appraisal. To effectively appeal on these two options, research unequal appraisal based on assessment comparables on the appraisal district's web site and evaluate the market value of your BPP. After reviewing both the unequal appraisal and market value options, determine your primary focus for appealing your BPP account. If neither market value nor unequal appraisal provides a basis for appealing your property taxes, you can withdraw the notice of protest or just skip the hearing. Tips for your hearing (Informal & ARB) Informal hearing · First meet with the appraiser and politely explain the basis for your adjustment. Give the appraiser a copy of your evidence and explain it in a methodical way. · The appraiser will review your information and the information he/she has available, and will then likely make an offer to settle. Consider the appraiser's offer and explain why your evidence is better than his/her evidence, and again request your value or a value between your value and his/her value. · You will quickly learn the lowest value the appraiser is willing to accept. At this point, you need to either agree to that value or proceed to the Appraisal Review Board (ARB) hearing. · If you settle the appeal at the informal level, you will not be able to pursue an ARB hearing or a judicial appeal. However, it does resolve the issue in a timely manner. ARB hearing · Introduction of the two parties at the hearing · Explanation of the hearing process · Property description (address any errors in the description of your property after the appraiser's description of your property) · Property owner presentation · Questions from the ARB panel members · Appraisal district presentation · Rebuttal and closing evidence from the property owner · ARB announces its decision Summary Points · Annual appeals will minimize your BPP property taxes. · There are huge differences between the market value estimated by the Comptroller's schedule and actual market value. · Based on excessive assessments for BPP for companies who render using a fixed asset listing, a low percentage of property owners who render and the low assessed values for property owners who do not render, there are rich opportunities for appealing BPP by using unequal appraisal.



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    Web Development Breathe Deep

     

    Can your website breathe? Think for a moment about your body and how it operates when you breathe. Air is inhaled, filling the lungs with oxygen and allowing that oxygen to recharge your blood cells as it cycles through your system. As you exhale the depleted waste called Co2 is forced from the lungs as the body waits for another round of oxygen. Most people don’t even have to think about breathing, it just happens. It is an involuntary action that we have the ability to control. In essence when you sleep your body will breathe on its own without your consciously thinking about breathing. However, when you’re in the doctor’s office and he or she asks you to take a deep breath – you can inform your lungs to inhale and then exhale on command. The action of breathing can be both voluntary and involuntary. So, what does this have to do with web development? You can design your website to accommodate fluctuations with our without your involvement. The site can be designed to grow and contract easily. For instance with web builder technology you can add a page that will need to be removed at a very specific time. In other words this page will have an expiration date. This could be a sales page or an event page. If that information remains on the website after the expiration date your visitors may experience a decrease in trust as they find outdated information that is not only useless, but gives the perception that your site is filled with cyber dust. With quality web builder technology you can assign a day and time that the page should be removed – or a day and time for a new page to be added. Essentially you can develop your site using a dating system that will automatically add new pages when you want and remove them when you want – hands free. In some sense the term ‘web development’ is indicative of a process that does not require all your time and attention. You can spend quality time in the development of content and then time release that content so it can have an impact on return visitors. By using an RSS feed you can have that time released information become a regular calling card for those most interested. You can develop that content when you can and have it release itself while you work on other aspects of your business. Like breathing, the new material breathes life into the site as the new information is accessed (crawled) by search engines and the old information is expelled (deleted) from the site (or moved to an archive for later reference). In many cases you can either direct the site pages to either deleted completely or simply be removed from general viewing, but they still remain available to you for use at a later date. Web development is different than web design in one very specific way. Web design is often a function of personality, looks and expression. Web development is keeping the site personality refreshed and inviting.



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    5 Reasons To Get Your Criminal Justice Degree Online

     

    You may be considering a criminal justice degree online, but aren't sure whether it is the right move for you. There are many reasons why an education in criminal justice is a good move. Here are the top five reasons. 1: You are interested in criminal justice. Criminal justice is a topic that many people find fascinating. If you have a genuine interest in the subject, pursuing your criminal justice degree online may be the right choice for you. The online format also offers many advantages, which you can read about below. 2: You can't attend regular classes. Whether it is because you work odd hours, your boss isn't willing to work around your class schedule, or you simply can't make the time, pursuing your degree online is an ideal solution. Instead of having to attend class at scheduled times throughout the week, online classes allow you to log in at any time of the day or night enabling you to work your education around your regular schedule, rather than the other way around. 3: You can't make the commute. Commuting to and from classes is a serious hardship for many aspiring students. The round trip to and from school can often take an hour or more of your time, depending on how far you have to travel and what time of day you make the trip. Additionally, with the current price of gas, additional driving may be an expense you just can't afford. And that's if you are lucky enough to have a car. Plenty of aspiring students have to rely on public transportation, which typically takes even more time, and can be almost as expensive as making the drive in your own car. 4: You have a family. Having a family means that you have a greater responsibility to bring home a reliable income that will meet all of their many needs. At the same time, families tend to get in the way of pursuing the education that will help you get that income in the first place. Luckily, though, pursuing a criminal justice degree online allows you to meet your family obligations while simultaneously pursuing the degree that will help you provide for said family. 5: You have career goals. Getting an education is the best way to advance your career. Getting your degree online is a particularly good move, as it will open the doors to many opportunities. For instance, if you are particularly ambitious, you could even continue with your education and attend law school. Although becoming a lawyer is one of the top careers people think of when they consider a degree in criminal justice, there are also many similar high powered careers that you can get into with the appropriate education. Getting your criminal justice degree online has many advantages. The flexibility of an online education allows you to pursue your degree without having to sacrifice other obligations or enjoyments in your life. However, the number one reason should be that you are genuinely interested in the subject. If you are genuinely motivated to learn about the subject, pursuing your criminal justice degree online will be both convenient and enjoyable for you, not to mention extraordinarily beneficial to your career.



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    Can Exercise Help You Cope With Arthritis Pain

     

    Moderate, low impact exercise really can lend a hand in coping with arthritis. How? By strengthening muscles around your joints, which aids in lessening stress on joints. Exercise is recommended for everybody, but for those with arthritis, it is critical. Arthritis is a debilitating condition defined as the inflammation of a joint. It may bring about burning pains which leave you feeling tired. As the body ages, arthritis begins to develop from the wide ranging day to day operations of the body. Cartilage begins to wear out and thin out. Bad posture, obesity and traumatic injury may all hasten arthritis’s development. The rubbing of the bones causes irritation and inflammation. Rest is the first treatment option and sometimes relieves the pain, but a patient can on occasion suffer pain that seems endless. In order to build up healthy joints certain exercises go a long way. Stretching every day is a great activity that can help with joints. Bicycling is another activity that is apt to be beneficial to most joints, and all age groups can carry it out. Stairs are all over the place and free to climb, you can strengthen your lower body joints and save money at the same time by foregoing elevators and escalators whenever possible. Swimming is an effective way to give all your joints a work out. Water cushions body movements and dampens pains, so water aerobics is one of the best exercises for those having joint pains. Here are few other tips to keep your joints in good shape. Make sure you are within your ideal body weight range. Watch your posture. If you absolutely must lift or carry a heavy object, use your legs. Pay attention to what your body is telling you. Rest if you feel tired, and stop what you are doing if you are having pain. The idea is to eliminate as much undue stress on your joints as possible. And, needless to say, consult your doctor if your pain is bothering you or suddenly worsens.



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    Hanoi And Vietnamese Festivals Best Time To Go

     

    Hanoi is located in northern Vietnam and will certainly offer to its visitors incredible sceneries, beautiful landscapes, pointed with colours, gorgeous food, friendly people and a millenary culture. In terms of accommodation Hanoi has nothing to envy to some traditional fascinating cities providing at the same time good services to the travel industry. Being less developed than Ho Chi Minh City, and thanks to this, Hanoi has preserved a special vibe given by old colonial and traditional buildings, green boulevards, and colourful temples. In terms of accessibility, Hanoi provides many services as comfortable boutique hotels, internet point and restaurants with a good variety of food. In the Old Quarter that preserves an ineludibly French taste, many boutique hotels offer modest but unique charming environments to their guests. In fact, the recent refurbishments have been respecting the traditional architecture and design of Vietnam. Many of them, like the Pearls hotel for example, or the Old street Hotel, Hanoi Queen Plaza, the Ritz Hotel, the Joy Hotel, the Return Hotel, the Y Van Riverside Hotel or the Hanoi Plaza hotel are facing the still water of Lake Hoan Kiem offering sometimes a gorgeous view to the guests that ask for it. In terms of cultural events Hanoi’s calendar and Vietnamese calendar in general are spotted with many interesting festivals. Despite not within December, however some of the most important events of Vietnamese culture are in January when you can still hope to get a mild wheatear. In January, there is probably what it is considered to be the biggest festival that celebrates the Lunar New Year. The Tet Nguyen Dan festival lasts for an entire week and involves families in particular. In fact, each family member is reunited and everyone is offered some little presents with special wishes for health and happiness. It is also a moment where family discussions, old difficulties and hangers are levelled in an atmosphere of forgiveness. But as the traditional family cannot forget the ancient relatives, the ancestors, many candles and incense sticks are burst for them. In the same month the annual Dong Da Festival celebrates the triumphant historical victory of King Quang Trung (Nguyen Hue) against the invaders of the Vietnamese nation. There are different venues where processions, activities and games, competitions, war stories, fires of colourful dragons and much more will entertain adults and kids! Still in January, but on the 6th day of Tet Hanoi and Vietnam celebrate the 5 elements (metal, wood, water, fire and earth) with music and sacrifices with the so called Co Loa Festival. Colourful flags and Dai Flags (great ones) in the wind and sculptures adorning the temples, are just some of the magic things you will be assisting to. Last but not least, The Cau Ngu Festival celebrates an ancient native who came from the north to teach the village locals many arts and techniques like fishing, trading etc. The name of this man was Truong Quy Cong, or Truong Thieu.



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    Cctv Video Equipment Surveillance

     

    : When you find yourself in need of a reliable, compact, affordable and dependable surveillance system, a DVR surveillance security system should be at the top of your list of products to check out. This type of surveillance equipment is easy to operate, simple to install, and can be utilized for a variety of purposes. Most of these systems are also economically priced. Many of the DVR surveillance security systems on the market today offer many of the same universal features. Some of these systems offer units that can be placed on the dashboard of a vehicle for monitoring outdoor events, placed in your pocket for easy portability, and units that can also be used in homes as well as offices. If you have hired help who are in your home when you are not, and suspect that something is just not right, or just need piece of mind, you will want to find a DVR surveillance security system that features wide angle views, covert pinhole lenses for the camera unit, a motion detection sensitivity mode, a time and date stamp as well as a searchable play back mode. Some DVR surveillance security systems available today even feature television playback so there is no need for software or transferring the information recorded to a VCR tape in order to be viewed. Most units operate on batteries, but it is important to remember that an A/C adapter will come in handy. Make sure that this common accessory is included with the system that you decide to purchase. A DVR surveillance security system that is to be used in the home or office with the aforementioned features will cost approximately a few hundred dollars. There are also professional DVR surveillance security systems that are used by corporations, large companies, and places where large masses of people gather such as shopping malls, hospitals, and government buildings. Systems such as these feature advanced software, central station managers, numerous channel sensor inputs, as well as multiple video capabilities. Smaller DVR surveillance security systems, like those used for the home, can be purchased at any major electronics retailer, and at finer camera shops specializing in security recording equipment. The larger systems utilized by corporations can be purchased through professional security companies dealing in recording equipment, and cost thousands of dollars. The World Wide Web offers those looking for either type of DVR surveillance security system many options. There are a variety of online vendors, many of whom offer special pricing, from which a security system can be purchased. No matter what your surveillance security needs are, you can rest assured that there is a DVR surveillance security system that will be just what you are looking for. CCTV Video Equipment Surveillance



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    Find The Best Travel Rewards Card And Spend Toward A Vacation

     

    Have money! Will fly! Those of us bitten by the travel bug can use a travel rewards credit card to make all those plans come true. The reputed ones usually have tie ups with airlines and hotels. Their relationship can benefit you in many ways. Here is how it works. Understanding The Benefits Of Your Credit Card Before you get a travel rewards credit card, see that they match your travel plans. Do you, for example, travel only by a particular airline or is there a particular hotel chain that you usually patronize? Your credit card should have a relationship with them. If you like roaming the four corners of the world, your credit card should cover the maximum destinations possible or have tie ups with local credit card companies. Find out the reward programs the credit card offer. It could be additional frequent flyer points, hotel discounts, gift vouchers, free upgrade to a better card or best of all, all of this and then some more. Understanding The Drawbacks Of Your Credit Card All benefits come with some riders and this is particularly true of credit cards. Travel reward credit cards usually have higher annual fee charges than regular credit cards. So calculate if the benefits cost more or less than that fee. The rewards program should also be in tandem with your travel plans. It is pointless if the rewards can be reaped in snow bound areas if you are a sun worshipper or covers your stay in a hotel when you like camping outdoors. The credit card points should also be easily converted to the promised rewards. This is possible if it can be activated online rather than with a written application, have a short waiting period and be valid for a long time before they expire. Note that some credit cards also give further rewards for frequent travels. The more you travel, the more the rewards. So find a travel rewards credit card that suits your needs. Grill the sales representative or ask for references from existing customers before selecting one. Then just pack your bags and set off.



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    Lancaster Cebu Investors Yield 8 Roi On Condotel Rentals

     

    Lancaster Cebu Resort Residences [LCRR] in Mactan, Cebu, is a boutique Brand Name Condotel Investment of Pacific Concord Properties Inc, and now ready to accept guests in the Condo Hotel. Under the management of Lancaster Hotels, Land and Properties, Inc. [LHLPI] rental operations of LCRR were soft launched March 2007. Beth Collingz, International Marketing Director of PLC Global an internet based sales and marketing company and lead marketing partners with Pacific Concord Properties, Inc., for the Lancaster Brand of Condotels in the Philippines, said the original or early bird Lancaster Cebu preconstruction investors whom purchased at our pre launch purchase price are now earning upwards of 8% ROI on their investments in the first 3 months of operations and have seen a 45% appreciation in their real estate investment over the past 2 years. These are not bad figures for a start up project enthused Collingz which is why the company is expanding its operations in Lancaster Cebu over the next 6 months with the acquisition and completion of another 30 suites immediately and 120 over 12 months to mid 2008. This follows the recent announcement the company has acquired, by purchase, additional units in its Lancaster Cebu Condotel adding another 75M pesos to its project inventory and expansion program. This brings the number of properties held or under contract in the development and condotel rental pool to 75 suites with another 120 units to be added before year end for Condo Hotel rental operations. Property is all about LOCATION said Collingz. Mactan and Lancaster Cebu, provides one with both the laid back pace of provincial living, as well as prerequisites of the urban dweller. Schools, hospitals, restaurants, shopping malls, and leisure are all found on the island itself with no doubt contribute to the success of the launch of rental operations. Lancaster Cebu Resort Residences, located a mere 3 minutes from Mactan Cebu International Airport, provides easy access to all the essentials of urban living. This ideal location will complement the Condotel operation since Lancaster Cebu will function as a condominium hotel a preferred accommodation choice of businessmen and holiday travelers alike. Clients can either purchase Condotel Suites for investment purposes or lease the units on weekly, monthly or yearly basis. We currently have Fully Furnished Executive Studio Suite and Two Bedroom Suites available at Lancaster Cebu Resort Residences at Pre Increase Prices that will be Ready For Occupancy from November 2007 at the current price said Collingz. For the soft launch running through to December 2007, LHLPI has prepared special promotional room rates aimed at budget travelers. Guests can check in to any of the executive studio suites for as low as $35 a night or to any of the two bedroom loft rooms at $65 a night plus 13% Government Tax whilst longer term discounted rates for monthly and yearly lease rentals are also available said Collingz. For those clients looking for investments in the Philippines, Lancaster Cebu also offers Studio Suites for sale. US based investors at Lancaster Cebu can take advantage of their 401K or IRA allotments whilst UK clients can avail of retirement tax incentives for the purchase of condo units under their Self Invested Pension Program [SIPP]. With the expansion of the current rental operations we expect occupancy rates to increase to some 80% and rental returns to reach the 10 12% ROI level early 2008 based upon the current promo rates. Of course as rentals increase with inflation and the with the Holidays fast approaching, these figures could be significantly improved. Not only that, current real estate appreciation is also a factor running at some 15% per annum in Cebu said Collingz. Whilst some renovation works are still ongoing within the complex, unit rentals are still available to guests at 'Special Promo Rates'. Cebu City is the acknowledged gateway and Queen City of the South. Cebu is the most important trading and commercial hub outside of Metro Manila. Mactan Cebu International Airport assures the arrival of a steady stream of international flights from Amsterdam, Frankfurt, Singapore, Hong Kong, Tokyo, Kota Kinabalu, Seoul and Qatar. There are also chartered flights from Incheon, Taipei, Kansai, Nagoya and Kiaoshung that arrive on a weekly basis. Cebu is identified by Asiaweek and Conde Nast Traveller as one of Asia’s Best Cities



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    Getting Around The Usa When Is The Bus Your Best Option

     

    Visitors to the US have many options when it comes to getting around. In the land of (relatively) cheap gas and expensive trains, renting a car is often the most appealing option. On the other hand, for journeys between cities that are further than a few hours drive, flying quickly becomes a viable option. Still there are other times when the best option is taking the bus. How should you determine when this is your best option? Read on. Bus travel in the US Whether or not it is warranted, bus travel has a somewhat beleaguered reputation in the U. S. Many consider line run bus service to offer the most basic level of service. In truth there is a wide range of service offered, from luxury to budget, depending on the bus carrier. The bus industry in the United States is dominated by Greyhound, which is the only bus company with service nationwide. Several other companies such as Trailways and Coach USA are made up of independently owned bus companies that share marketing functions and branding. In addition there are several strong regional players in the bus industry, although they may share service with Greyhound on certain routes. A newer development in the bus industry is the “Chinatown bus”. This is a term used to describe low priced bus companies that operate paired down service on selected routes and charge much less than traditional bus companies. Originally these carriers tended to operate in, and cater to, the Chinese immigrant community. Now the phenomenon appeals to a much wider group of customers. Another trend in the bus industry is luxury service that competes more directly with the airlines. These carriers offer first class amenities and luxury coaches. They tend to be most successful for destinations that are fewer than 6 hours apart. So, how should you decide when the bus is your best option? Here are a few questions that might help you make your decision: 1. What is your budget? If you are on a tight budget you won’t be able to beat the bus for price. It is by far the least expensive way to get between destinations in the U. S. This is particularly true on heavily traveled routes in the Northeast where there is a lot of competition. 2. Will you need a car once you get to your destination? In many U. S. cities (ie. New York, Boston, Washington DC) a car is not only unnecessary, but will be a burden to drive and to park once you arrive. 3. How far are you going? If you are traveling less than a five or six hours it is probably faster to take the bus than to fly when you factor in waiting time at the airport. Moreover, the bus will likely drop you off in the downtown core so you do not have to find your way into the city once you arrive. 4. Where are you going? It is worth noting that for many more remote destinations in the US, the bus is really the only public transportation option. If you do not drive, taking the bus may be your only choice. 5. How much time do you have? If your trip is not rushed, you might enjoy the more leisurely pace of bus travel. If you are under time pressure, the bus is probably not the best choice as it is subject to traffic delays and usually takes a little longer than other modes of transportation. Overall, the bus is a great option for visitors to the US who are looking for transportation between major US cities and more remote destinations alike. As gas prices rise and train service sees more cuts, it will undoubtedly be an even more popular way to get around going forward.



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    Mommy Must Haves For The Second Child

     

    Since she's been there, done that, what do you get a veteran mom with a new baby? According to Kids II, one of the fastest growing infant toy companies in America, selecting baby gifts for second time around parents can be as simple as A B C. * A is for age gap. Consider whether the latest bundle of joy is far or close in age to siblings. Moms with two children under 2 might appreciate a second helping of necessities such as monitors, car seats or diaper disposals. Second babies are a welcome opportunity for duplicates of essentials like bouncers, play gyms or swings. Moms will appreciate not having to move gear from room to room or floor to floor as they move their babies to where their toddler siblings may be playing. If the age gap is bigger, think about items parents might need for an older child, such as booster chairs, rails or bedding for big boy/girl beds, or perhaps a new convertible car seat. * B is for better features. To keep up with an evolving market, toy designers and manufacturers often incorporate new features and technologies into their products, providing new twists to classic favorites. For example, the Bright Starts "Around We Go!" activity station takes play to a new level by incorporating a seat that safely moves around the outside of the table. Named one of Dr. Toy's Top Ten Toys of 2005 and a recipient of the National Parenting Seal of Approval, this innovative toy features an electric piano, drawing station and removable dishwasher safe snack tray. Parents love the open design, which provides room for siblings to share in activities. * C is for clean slate. Hand me downs are great for clothes, but not for personal items such as pacifiers, teethers and stroller/car seat toys, which tend to spend more time on the floor than in little hands and mouths. When buying teethers, make sure they are soft, durable, easy for a baby to hold and easy to clean. Mom will appreciate replacement of much loved items such as rattles, play keys and toy phones, while baby will enjoy having something fun and new to sink his teeth into. Also, consider other items that get used over and over, like sleepers, undershirts, hooded towels, burp cloths and washcloths.



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    Why Credit Cards Are Good

     

    Because credit is something that is so important, but also sometimes confusing, we are going to lay everything out for you, in simple terms. We'll also show you how to get the credit you deserve, how to make the most of your credit, and ways to improve your overall credit rating, no matter where it is now. For years, the conventional financial wisdom was "credit cards are bad." We were told that cutting up our credit cards was the only way to free ourselves from debt ridden indentured servitude. People needed to "live within their means," and if credit cards were ever to be used, it should be "only in the case of an emergency." This conventional "wisdom" turned out to be not only untrue, but hurtful to those who listened to it. The truth is that credit cards are our friends. They are our allies in building credit. How easy do you think it is it to qualify for a home loan when you've never even had a credit card? Responsible credit card usage shows potential lenders that you're able to manage your finances. What's more, an intelligent credit card user turns the interest game on its head, and actually uses his credit cards to give himself interest free loans. Use Your Credit Cards to Earn Money For You In order to get the most out of your credit cards you need to use them, and use them frequently. If you have two cards with $500 limits, you might want to nearly max them out each month. Set one card up to pay your recurring monthly bills (cable, cell phone, auto insurance, etc.), and use the other one for gas and grocery purchases. If you have cards with much higher limits, say $5,000 or $10,000, then maxing them out each month probably isn't a good idea, but you should use your credit cards to the fullest extent possible and you should pay them in full every month. Say you have a $90 cable bill due on the 3rd, a $110 cell phone bill on the 12th, and $150 in auto insurance premiums due on the 15th of each month. You "pay at the pump" using your credit card on the 4th, 11th, 18th, and 26th, spending a total of $165. That's a total of $515. But here's the beauty your credit card company sends your statement on the 1st, but doesn't require payment until the 15th. This means that the charges of $515, some of which date back to the third day of the previous month, aren't due until the 15th of the next month. Since interest is only charged on the unpaid portion of your monthly balance, this represents a month and a half interest free loan! If you have a $1,000 credit limit (or two $500 credit cards), you can continue charging on the card into the second month before ever paying for the first month's charges. What's the big deal? Well imagine you had $1,000 sitting in a money market savings account yielding 5 percent. Your money would be earning interest for you. In essence, you would be earning money each time you used your credit card. Balance Transfers Another Way to Turn the Credit Card Game on its Head If you have a higher credit limit, credit cards can be used for the short term financing of larger purchases. Say you had a $10,000 credit limit and you wanted to buy a new sofa for $2,500. The financing options at furniture stores are normally rip offs, so why not finance the purchase yourself? You could have an interest free loan for up to 45 days (maybe 60, depending on your credit card's "grace period"), during which time you could save the money to pay off the entire amount, or at least a portion. And the best thing about your mailbox being constantly flooded with credit card offers is that oftentimes you can transfer existing credit card balances to new cards with introductory interest rates of 0 percent! For example, imagine you purchased a used car for $9,000 completely on your credit card. Conventional wisdom would say this was a terribly foolish thing to do, but you know better. You have already been offered and approved for an additional card with a $10,000 credit limit, and an introductory interest rate of 0 percent for one full year. After making one payment on your existing card's balance, you transfer $8,500 to your new card, where you can pay it off in full with 12 payments of $708 all principal, no interest. After that, you'll own the car, debt free. If the $708 was too much for you, you could pay less each month, of course. An even riskier, but potentially rewarding strategy would be to pay as little as possible on the new card, and then hope for another 0 percent introductory offer coming in the next year. There's nothing illegal or even unscrupulous about playing the credit card game this way it only makes financial sense. Credit card companies exist to make money from your mistakes, but if you're a vigilant consumer, you can invert the game and make money for yourself! What's even better, if a bit strange, is that the credit card companies will find you all the more desirable. So the next time you read an article in which the financial guru tells you to tear up your credit cards, do yourself a favor and tear up the magazine instead. Sincerely, James CC YES. com And remember, don't forget to visit our site for the best selection of cards on the Internet. No matter what your credit picture is like, we have the perfect card for you: CC YES. com



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