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    Free Essay
    7.4 of 10 on the basis of 1492 Review.
     

     

     

     

     

     

         
     
    Loans For Homeowners Are The Easiest To Be Approved For

     

    If you are an homeowner and are in need of a loan then you can benefit from looking around online with a specialist website for loans for homeowners. The good news is that a loan is easier to be approved for if you do own your own home as you then put up your property as security against the money that you will be borrowing. The beauty of the homeowner loan is that you are able to borrow a larger amount of cash than you would with the personal loan and you are also able to repay this back over a longer period of time. A homeowner loan can be used for all types of circumstances including to make home improvements or to combine all of your existing debts and pay them off with the money borrowed through the secured loan, paying it back in one monthly repayment and at a lower rate of interest too. However as the loan is secured against your home you do have to ensure that you would be able to keep up the repayments on the loan as if you cannot then you risk losing your home. You also have to consider that your circumstances could change in the future if you are taking out a loan for 25+ years. Of course the longer you choose to take the loan over then the more interest you are going to be adding onto the cost of the borrowing. You will want to keep the monthly repayments down on the loan but also you do not want to add more interest than you have to which will boost up the loan considerably. The quotes for loans for homeowners do vary greatly so it is essential that you do get several quotes before deciding which loan to take on, a specialist can do this very quickly on your behalf and it is the best way to be sure of getting the cheapest rates of interest on the loan along with the best deal possible. A specialist website will need just a small amount of information from you and then are able to search the whole of the UK marketplace to get you the best deal. They should of course include the essential information needed that is found in the key facts and small print of the loan as this is where any additional costs can be included so when comparing the quotes they find for you also compare the small print. While it can be tempting to ignore the small print it is essential because if for any reasons you wish to repay the loan early then there could be a substantial charge which of course means that the cost of the loan would then be boosted up considerably. You should also check to make sure that loan payment protection has not been included into the cost of the loan as this can also add a lot more than necessary onto the cost of the loan and protection can be bought independently.



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    A Beginner S Guide To Personal Loans

     

    If you’re looking to borrow a sum of money then the chances are that you’ll look to take out a personal loan rather than any other type. The term personal loan is simply used to describe standard types of borrowing – i. e. a loan taken out by a consumer rather than a business for general purposes (but not for a mortgage which is obviously dealt with by a mortgage loan). The majority of personal loans can be used for any purpose and the chances are that your lender won’t even be hugely interested in what you want the money for. Their primary concern is checking that you’ll be able to repay your loan! This situation can be different with specialist loans (which also fall under the banner of personal loans) such as home improvement loans and car loans, for example. These loans are expected to be used for their specified purpose – i. e. a major DIY project or a car purchase. Apart from this fact the majority of personal loans work in much the same way. You apply for your loan, get your money and then spend it as you intended. You will then make a regular payment (usually on a monthly basis) to your lender to repay the money you borrowed for the period of time in your loans agreement. This payment will be made up of a sum of money that goes to pay off the original sum you borrowed plus a sum that goes towards paying off the interest you’ll be charged. So, at the end of your loan term you’ll have repaid your original borrowings and the interest attached to your particular loan. One difference worth noting here is that between unsecured and secured personal loans. Unsecured loans are given to consumers without security (or to those that choose not to use available security to get a loan). These loans will generally have higher interest rates attached to them than secured loan options and you may be restricted in how much you can actually borrow here. Secured loans, on the other hand, will have lower interest rates and can be taken out for higher sums. The reason behind this is the fact that this kind of loan will use your property (usually your home) as a guarantee against your loan. So, if you default on your repayments your lender has a cast iron guarantee that they will get their money back via the property you used as security. If you aren’t a home owner then you will generally be restricted to taking out unsecured loans here but, if you do own your own property, then you’ll have to make a choice between a secured or unsecured loan. This really boils down to personal preference and how comfortable you are using your home as security in order to get a better deal. In the majority of cases this isn’t an issue and most people will opt for secured loans to get the right kinds of rates and loan amounts for their purposes. Do be careful to make sure that you understand both how personal loans work and how to get the best rates for the loans you take out before you sign up to anything. There are hundreds of sites on the Internet that can give you more detailed information or that can even help you apply for a loan – take a look online for personal loans in a UK search engine (such as msn. co. uk for example) before you start for some useful information.



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    Comparing Student Loan Consolidation Programs

     

    Good education costs a lot of money, and by time you finish, you could be thousands in debt, and that is before earning any money. Students today are raking up an expensive debt bill. So, you have gone into higher education. You now face a lot of debts. First you may get a loan, then another loan, and finally have to use credit cards just to survive. Many students today are finding it hard to pay back those loans. There are important points to consider when choosing and comparing student loan consolidation programs. And the grants that you may receive don't do justice to the basic necessities needed to go through the entire course. The basis of student loan consolidation programs is that you get to get all your existing loans, and get a student loan consolidation to be able to pay all those other debts. This works in essence because the rate offered by student loan consolidation programs is generally much less than credit cards and smaller loans. Student loan consolidation programs are a way to make life a little easier. There is no doubt that if you have to live off of a credit card, then you are paying much more than you need. The extortionate rates of credit cards, and the low monthly payments required, make credit cards one of the worst options to get by. Having one payment to deal with can make life much more easier, though sometimes it can cause more problems. Some people prefer to have several bills, then that way they can manage them more easily, than trying to have to get a larger amount of money in one go, to pay the student loan consolidation company. There are differences in student loan consolidation programs, and it is a wise idea to compare student loan consolidation programs. There are differences between each program, and there is no one right for all program. Though a good key to consider is the student loan consolidation interest rates. As like any other loan, the rates vary, and by shopping around, you may find some great deals. When considering getting student loan consolidation on your existing loans, it is essential to consider your current position. Are you already being able to pay off those existing student loans? If the answer is no, then student loan consolidation maybe an option, especially if you are now having to pay the high amounts of interest on credit cards. The savings in the interest rates may make life a little easier. However, you have to check as many student loan consolidation programs don't allow you to use the money to pay credit card debt. Conclusion More and more people are choosing to do online student loan consolidation. The ease at being able to compare student loan consolidation programs and rates, and be able to choose a consolidation program that meets your needs is something which is not as easy by having to call many places. For more information please visit: bestdebt consolidation. blogspot. com/



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    Be Careful When Choosing A Credit Counselor

     

    When you find yourself in a bad credit situation it is easy to find hope in credit counseling agencies. You feel safe when someone says that they are a “non profit organization.” But often, those that are offering help are only helping themselves. Federal and state regulators are warning consumers that some credit counseling agencies are not what they seem. They may actually be using a non profit status to avoid consumer protection laws. This gives them the ability to advantage of you, the trusting consumer. What makes the agency non profit? All they have to do is provide free education and counseling services. But many agencies are using these as a way to hustle clients into debt management plans, which pay off big time. With most debt management plans, the client pays the agency a certain amount of money each month. The agency then pays the client’s bills. The agency negotiates lower interest rates and the waiving of fees with the client’s credit cards and loan companies. The credit card companies will usually give the agency a kickback, a percentage of the amount repaid. Many experts say that clients are often pressured into the plans, even if they don’t need them. Some agencies don’t pay the bills on time, and you are the one who suffers. Even the IRS has stiffened its review of agencies seeking non profit status. There are legitimate credit counseling agencies out there that can help you with your financial problems. You just have to shop around and do your homework when choosing an agency. Talk and visit several agencies before selecting one. Don’t let the non profit label fool you into thinking that a certain agency is better than the others. Non profit status doesn’t differentiate the good from the bad, you must do that yourself. Watch out for agencies that want “voluntary” contributions and high monthly service charges. If you are having financial problems, chances are that you can’t afford to pay high fees. Before you sign up for a debt management plan, request a written statement of all agency fees. If an agency says that they can get you out of debt quickly or slash all of your interest rates, don’t believe it. First, getting out of debt takes time. You are simply looking for a plan that will get you there a little faster – but it still takes time. Secondly, interest rates are determined by your credit card companies, not the agency. Many creditors won’t lower your rates. Some will. The agency has no idea of knowing what the future holds. Check with your creditors to make sure that they are willing to work with the agency you choose. Once you have started a payment plan, make sure that your creditors are receiving their payments on time. If they don’t, it’s your problem. Ask around for a reputable agency. Check with the Better Business Bureau and your state’s attorney generals office to see if there are any complaints on file. Ask the agency if they are a member of the Association of Independent Credit Counseling Agencies or the National Foundation for Credit Counseling – two well known groups that have standards and fee limitations. It’s okay to ask for help, but make sure that you can trust who you ask.



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    Travel Tips

     

    : There are common sense travel tips, like "Check at least three web sites to get the best deal on plane tickets." Then there are the tips that are more along the line of "secrets." These are the little known tricks learned by experience. Here are some of the best of those. Cheap Travel Tips Find out where local visitors from within the country stay. The cheapest "tourist hotel" I could find when in a resort town in Mexico was $135. I asked a local businessman where to find a cheap room, and got one for $10. There wasn't a swimming pool, but the room was spotless. I was there to travel, not to lounge, so this suited me fine. Negotiating room charges is common in many countries. In Banos, Ecuador, we negotiated our room rate down from $12 to $6 per night, by paying for several nights in advance. The trick here is to be sure that there are other options, then make your final offer and walk away. Most owners will call you back and lower the price. Consider hostels, if you don't mind sharing a room. They're much more common overseas. This saves you a lot if you are single, because you pay for the bed. I once spent four days in a hostel for $4 per day, breakfast included. I shared a room with several others, and a TV room with travelers from 16 countries. Hotels in the U. S. are less likely to negotiate, but we have done it. Most small chain motels are not company owned, but franchises, so it is usually the owner behind the counter. Paying for several nights in advance, or just starting to walk away, has resulted in discounts for us many times. Travel is often only as cheap as your plane tickets. For international travel, search the fares to several countries that you would like to visit. Go to the cheapest one now the others will be cheap another time, and a savings of $500 can buy a few extra days, or an extra mini vacation some other time. Anywhere you go, there are things you can do to keep it cheaper. Eat where locals eat, for example, instead of at tourist restaurants. See the free and cheap attractions first. You might have so much fun that you'll never get around to doing the expensive things. Higher prices mean better quality with travel bags, but not necessarily with travel experiences. Other Travel Tips E mail important documents to yourself. These should include a copy of your passport, other IDs, phone numbers of the U. S. Consulate offices where you'll be, and your itinerary or e tickets for any flights. In this way, even if you are robbed and lose everything, you'll have access to all the important documents from any internet cafe in the world. On a streetcar, I once had a pocket unzipped and the wallet removed without feeling a thing. Many pickpockets are experts. Fortunately, it was a "decoy" wallet, with nothing but a few pieces of paper, and a fake credit card. Other ways to protect money, cards and documents include putting a bill or two under the inner sole of running shoes, safety pinning a hidden pocket inside your pants, and hiding cash in several different places. I see young travelers in other countries walking anywhere they feel like it at night, and then being shocked that they are robbed. Aren't there places in New York or Chicago where you wouldn't walk at night? Ask the locals where it is safe and where it isn't, and trust your intuition when it warns you. Leave expensive clothing and jewelry at the hotel when you are just out for a walk. Safety tricks are the most important travel tips.



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    Using Blinds For Coloring At Home

     

    Say goodbye to the bland living room. The colorful days of dйcor are upon us, and you need to comply with the rules or the home fashion police will raid your house and charge you. These days, black and white, monochrome, stainless steel, and white are all gone. Now, bright vivid colors are where it is for dйcor. However, all is not lost. You do not need to go out and buy new furniture. You can update your look, and keep those heirlooms from your grandmother. The bachelor furniture can stay, as long as you know what to do. Consider the basic white room. A white wall no longer looks great when it is featured with a white couch in the front, both of which are coordinated with a glass coffee table. That room probably also has white wood blinds. Well, you need to discard those wood blinds. Surf the web and find some window treatments with colors. Find vertical blinds with a vivid red. There are some sites with so many colors that you are sure to find one that makes your heart beat again, now that the room no longer looks like an operating room. Bright vivid blinds can coordinate well with a pillow or a small rug, but get the blinds first, as the colors of those are more variable than the colors of blinds. A white room can also use a colorful stained wood blind. However, consider using a medium color wood blind, and not the dark colors of the stains. There are rich mahogany wood blinds that can make an interesting complement. Then there is the black room, which has only a small splash of white. These rooms can be a bit harder to decorate, because you cannot jump straight to the white blinds for contrast, and the colors of blinds can be lost in the darkness of the space. Consider a blind of vivid color that allows light through to solve this problem. This provides a series of benefits. By colorizing the room, you can splash it alive getting away form the vampire look. By allowing a translucent treatment, you can see the light that passes through lighting up the room a bit more. And, of course, the slight glow of the light as it glows in the rich color will help change the moods. When decorating these difficult rooms with blinds, consider coordinating the space with a little artwork that has colors similar to the blinds. This can balance the room, and will help the vivid colors of the blinds dance off the artwork, and enhance both. While you are hanging artwork, consider spot lighting for the art. These lights can help display the art, and can be done with picture lights, or uplights, quite easily. Don't stop there, the blinds will get mad. It can look quite interesting to feature blinds with casual but direct lighting. When the blinds are lit up by spots, the colors glow even more. Certainly if you are a victim of these previous fashion styles, you can add to the blinds with a new coat of paint on a wall. That wall can be on any side, and it can be of a different color from the blinds. Remember, paint first, hang the blinds after the paint is quite dry. If you want to paint your blinds, don't buy nice new ones, If you paint your blinds, you will cause unintended effects, and you will be very sorry that you did it. This article should not be construed to insult your taste. If you have this style, you are not alone. These were quite popular. In fact, they are still popular. However, the trends are changing, and we recommend being ahead of the trends by splashing your rooms with the wonderful color of beautiful blinds. Select high quality long lasting blinds which you can use to coordinate and make look wonderful in your formerly attractive pad. By simply splashing color on your windows, the new style will jive with the new tastes. No longer do you have to hire an interior designer to be in compliance with fashion trends. You do not need to watch hours of television shows about home dйcor. Simply buy a set of colorful blinds, and you can have it made in the shade. Blinds can bring life and energy. Blinds can also solve many other problems for your home and office.



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    The Truth About The Meat We Eat Pt. 1

     

    There are so many topics to discuss which affect our health that it is hard to choose just one at a time. First, I want to remind everyone that the premise of this site is Unhealthy Soil = Unhealthy Plants and Animals = Unhealthy People. With that in mind, let’s discuss meat, fish and meat substitutes. I just read an article by some well meaning person who was bragging that chicken and soy are good for you – WRONG! If you consider how our ancestors developed in the last 10,000+ years, you will realize they ate non chemical meats, berries, and nuts – things that they could forage. They ate deer, buffalo, birds and other types of meat. The common thing all these meat sources shared was that they were grass fed and loaded with Omega III’s and other beneficial fatty acids. However crude it was, they also caught fish. If they were inland it was fresh water, but if they were close to the ocean it was sea food. The land was also untouched and the grasses and other plants grew and died and went back into the soil year after year. Because of this, the meat from the animals and fish in the streams (or sea food) were loaded with trace minerals. The nuts and berries were also loaded with trace minerals, vitamins, amino acids, and enzymes. With this combination, we had healthy soil, healthy plants and animals, and healthy people. Fast forward to the present what do we have today? Grain fed chemical beef, chemical chicken, cancerous fish from fresh water, toxic sea food, no trace minerals from fruits and vegetables, and genetically engineered grains grown with toxic fertilizers, herbicides, pesticides and fungicides. We see all kinds of articles suggesting that chicken is healthier than beef. Before you get all warm and fuzzy with this thought, think about the things that go into the average cattle and chicken diets before they get to your grocery shelves. In my next newsletter I’ll talk about these diets and what the cows and chickens go through before you bring them home for supper. It will not be appetizing.



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    Free Snoring Home Remedy 2

     

    Get Free Snoring Home Remedy: Stopping That Awful Music Snoring may be music to your ears but you have to admit that it isn’t for your sleeping partner. Snoring will cause your social relationship with your sleeping partner to deteriorate and is also a sign that you have a serious medical condition. You may not know it but studies suggest that snoring is a sign that you will have a higher chance of having cardiovascular disease, suffer from stroke and diabetes. Snoring may not really sound to be a serious problem but you have to consider that it is. Aside from affecting you socially, it will also affect your health. If you snore, the chances of you getting a good night’s sleep are very slim. When you start snoring, you will wake up from deep sleep and will try to move in your bed in order to stop it. You may not know it but you actually wake up when you snore. This will cause you to feel lightheaded when you wake up in the morning, and you will also feel very tired. As you know, sleep is supposed to relax you and upon waking up, you should feel refreshed. If you don’t feel refreshed, you didn’t get enough sleep because of snoring. Even if you sleep about 8 hours a day or more, it will not be enough and you will feel very unrefreshed when you wake up in the morning. However, you don’t have to suffer from this very common condition. All you need is a little discipline and you will find that snoring has a cure. First of all, you need to know about the different causes of snoring in order for you to have an idea on what to do in order to stop it. Snoring is caused by over relaxed throat muscles or has excess fat in your throat. One of the main causes of snoring is overeating before going to sleep. Eating causes your throat muscles to relax and therefore, will cause you to snore. Another cause of snoring is by drinking alcoholic beverages before you go to sleep. Drinking alcoholic beverages also causes your throat muscles to relax. So, in order to stop snoring, you have to stop eating excessively before going to sleep and also stop drinking alcoholic beverages or stop drinking “night caps” before you go to sleep. Smoking before going to sleep also causes the throat muscles to relax therefore, it is wise to abstain yourself from smoking before you go to sleep in order to stop snoring. Another cause of snoring is by being fat or by being overweight. Fatty tissues in your throat may develop if you are fat. Therefore, exercising is another way to stop snoring. These are some of the home remedies that you can try in order for you to stop that music you are making when you sleep. Snoring can also be caused by your sleeping position. If you are still overweight but on the process of slimming down, try to sleep on your side. Studies have found that laying flat on your back when you sleep causes snoring. Try sleeping on your side. If you stop snoring, you will be able to have a healthier body and also have a healthier relationship with your sleeping partner. Keep all these simple home remedies in mind and you will eventually stop snoring.



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    Roulette Introduction

     

    The allure of the Roulette wheel has captured the attention of many walking through the casino. In some areas of the world, it is viewed as an elegant game thoughts of James Bond come to mind. Roulette has a few versions. The two most popular are the European and American versions. The main difference and its effect on the game will be discussed in this article. We will also go over the probabilities of winning. Anyone that wants to win at a casino game needs to know as much as possible. American Roulette The American Roulette wheel has 38 slots in it. First, there are the numbers one through thirty six. Finally, there are the 0 and 00 slots. American Roulette has a 5.26% house advantage over the player. European Roulette The European Roulette wheel has 37 slots in it. Like the American wheel, there are the numbers one through thirty six. The European wheel also has a single 0 slot. The lack of the 00 slot makes the European version better to play. The house advantage drops down to 2.70%. There have been many systems devised for Roulette. The origins of these systems were really devised for the European version of the game. Betting Types Following are some common types of betting in Roulette. If you are playing in a live game and have any trouble, just ask the dealer. He or she will be happy to assist you. Column Bet: The column bet is on the outside of the Roulette layout. It pays 2 1. Dozens: Players can bet on the first, second or third set of 12 numbers. It pays 2 1. Low or High: This bet pays even money. Players can bet on the winning number being 1 18 or 19 36. Odd or Even: Another even money bet. Players bet on the winning number being odd or even. Red or Black: A very common even money bet. Will the winning number be red or black? Split Bet: Placing your bet on the line between two numbers creates a split bet. You win if either number comes up. It pays 17 1. Straight Up Bet: Placing your bet on any single number. If your number comes up, you win 35 1. As you may have noticed, if the winning number is 0 or 00, these bets lose. That's why the house has a nice advantage. To win on a 0 or 00, you must bet it straight up or split. Honestly, the game of Roulette is not that complicated. In a live game, there tends to be a spin every minute or two. Most live games also record the last 10 40 numbers for you as well. Even if you are brand new to the game, you can have it down pat in about 10 30 minutes. Online players can play at their own speed. Most online Roulette games offer betting help too.



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    Digital Photo Gallery And Services

     

    Are aging photos fading your favorite memories? Restoration: Let aging photos not fade your favorite memories. It could be your favorite old photo that got damaged, aged or simply the acid content in the paper, a photo that got stuck to the frame, exposure to elements fading, a playful kid (or grown up), physical damage when you moved homes or those darn silverfish which just feed on your family treasures. We can restore the image to its original glory or improve on it. The result is archival quality and memories that can be preserved for years to come. All we need is a good quality scan 300 dpi is a good start. Colorization: Convert a B & W, sepia tone or a color tone print to a modern day color photo. We'll work closely with you to ensure that your near and dear ones and even that tree or car in the background got the right color. We stay loyal to the original image and get the details from you. We do not want your grand dad in a green shirt if that is the color he hates. Or your old maroon Ford now painted yellow. Of course, the choice is yours; why not surprise your near dear ones with new photo gift ideas this holiday season? Reconstruction: When a part of the image is damaged beyond repair or, worse, just missing we can try and reconstruct that part back in the frame. Given a reference image or adequate additional information, we can help reconstruct some of the intricate portions of an image. Restore precious memories to pristine glory. Get set, this holiday season thrill your family with personalized photo gifts from restored and improved old family photos. Retouching: If you are a busy business executive and could not make it to your daughter's grad picture or, you just do not seem to have a good picture of your grad mom and her best friend from school: get some creative tricks. How about that one classmate in that group picture you would like to black out? How about your own image with a retro twist? The tattoo, the braces, the stain, the eye that drooped we'll work that in to perfection. Add more, a border of choice, a caption, a stunning background, or the image made into a greeting card. What can be a better surprise vacation, graduation or holiday season gift than photo makeover with creative tricks? Makeover: If you are an avid (or not so avid) photographer and would like for your images to be printed at top quality, try a round of digital image retouching and enjoy the difference.



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    Roller Shades Have Evolved Over Time

     

    It used to be that roller shades were used by old people for their old homes to accompany their drapes. You know the style, dreary old carpet maybe some finger prints worn down maybe with tassels and of course one color, off white. Plain roller shades which were quite boring and commonplace were located everywhere. It was this look at night roller shades to be less popular and not widely distributed. Consumers look for alternatives. Some of these alternatives turnout to be wood blinds, vertical blinds, even draperies or mini blinds. However none of this changes the fact that roller shades serve an important purpose room darkening on a simple low cost window treatment. As a result of the evolution, the changes to the window treatments industry, and specifically to the roller shades manufacturing category, people are now discovering their roller shades can look good once again. New applications for roller shades include office spaces. Commercial offices are very valid new uses for roller shades. Office spaces where computers are used, or work privacy is required, demand the use of roller shades. Roller shades which can block the light are increasingly common. Media rooms, office suites, conference rooms, and secret spaces, as well as rooms used to store perishable items, are all placing demands for room darkening window treatments. Some offices are making good use of solar shading roller shades. These increasingly important window treatment products are those which filter the light of allowing occupants to manage the lighting in their spaces. Roller shades which allow a percentage of the exterior light to enter room can thus lower internal lighting bills by allowing electric lights to be used to lower extent. This applications becoming increasingly common with the goal of becomingly. When exterior lights are able to pass through window treatments, occupants are able to work in a more pleasant and individually lit workspace. It is this method of lighting which is part of the ergonomic design their roller shades, solar shading, which is desired. Older roller shades were controlled with a pull mechanism. This pull mechanism, sometimes, called a spring mechanism, work well, particularly in the beginning of life of the roller shades. However, as roller shades got older in were used more regularly, the control system, the springs, would wear down and weaken. Spring controlled roller shades more recognizable by the fact that on the control ends of the roller shade to that the very top of the window they would be very small metal and sticking out of one side and something of about block sticking out of the other. Each of the use panes or blocks would fit into a very small roller shade bracket that the top of window. Sometimes the roller shade can slip from his racket because there’s no strong anchoring of the roller shade into the bracket, they are from cheap. New roller shades, on the other hand, use a more extensive stronger and much better fastened roller shade chain control. These chain controls use internal springs to actually reduce the load, the amount of force required to lift the roller shade, substantially. Sometimes the load reduction for a roller shade can be as much as thirty percent. This type of load reduction is important when you talk about using roller shades for larger windows. Imagine trying to raise a roller shade that weighs as much as fifteen pounds. This would be the consumer pulling on a chain to raise the shade or to lower the shade and putting it least fifteen pounds of pull force on the chain. That’s a lot of work when you’re tired in the evening or tired of the morning trying to block the sun or let more sun in. The beauty of the new control systems is clear when you consider color coordinated chains that actually make the roller shade look nicer with the chains that match the fabrics. These new roller shades, in particular, actually also have a color coordinated bottom rail. This bottom rail is a metal bar at the bottom of the roller shade and serve a function of providing a good solid weight to the roller shade. This weight is necessary to help the roller shade fabric hang flat straight. In addition, color coordinated bottom rails also provide a nice finish and attractive clean look to the roller shade. Roller shades have evolved tremendously over the past few years. This is part of the fuel on the fire of the interest for roller shades in residential and commercial applications. Consumers, architects, designers, contractors, and building owners are all recognizing the enhanced value of attractive roller shades.



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    How To Respond To An Ebay Buyer S Complaint

     

    At some point in your eBay selling life, one of your customers is going to send you a complaint. As long as you respond to it properly, however, it’s easy to keep a complaint from turning into a crisis. Respond Immediately and Grovellingly. Someone might complain to you directly, or they might do it through eBay. Whatever happens, you need to email them immediately. Here’s a template to use: “I have just received your complaint and I would like to say that I am very sorry you aren’t satisfied. If you would like, I can send you a [replacement/refund] for the item, as part of my ‘no questions asked’ guarantee. I apologise again for our mistake.” Whatever you do, don’t start making excuses for yourself. “Oh, sorry, I didn’t get around to posting it yet because I’ve been busy at work and I’m going on holiday next week…” – no one cares. If the buyer isn’t satisfied, then you screwed up, and you need to apologise repeatedly and do everything you can to make them happy again. Besides, is it really worth your time to go through eBay’s long winded dispute process when all it’s going to do is alienate your customers? This an attitude that will give you a massive advantage in eBay selling, for the simple reason that many smaller sellers are confrontational, unhelpful and out for every penny they can get. If buyers are rude to you, it’s just because they’re used to dealing with rude sellers. Responding politely, promptly and being willing to do anything for your buyers will mark you out as different. It’s so rare that you might even manage to turn your complaining buyer into one of your most loyal customers! Let People Phone You. Don’t insist that everything is done with email – allow frustrated buyers to phone you and have a chat about their item. The chances are that they will never have talked to a human voice before about an eBay complaint, and will be even more impressed with anything you offer them to solve their problem. Neutralise Negative Feedback. If it really comes down to it and your complaint ends up as a piece of negative feedback on your record, make sure you post a response – and don’t make it something like “buyer was impossible to work with, avoid”! Instead, post an apology, and detail what you did to put things right, for example: “Very sorry for the scratched item, I have sent a replacement”. You may also find that some buyers leave feedback before you have the chance to put things right, in which case you could write a phone number in the response space, or something like “I have emailed you about a refund”. This will let anyone looking through your feedback see that not only are negatives very rare, but the few that there might be aren’t really worth counting. In the next email, you’ll learn how to turn your shipping costs into a profit center.



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