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    Abdominal Exercises For Beginning Bodybuilders


    The abdomen contains the muscles that most beginners struggle with because they take a long time to develop and need a low level of body fat to be seen. The abdominal muscle group consists of three main muscles: 1. Rectus abdominis commonly known as the abs, this is a large flat muscle wall that runs from the lower chest to the pubic bone. 2. Obliquus abdominis commonly known as the obliques, this muscle runs diagonally along the side of the mid section from the lower ribcage to the pubic area. The internal obliques lie underneath the external obliques. 3. Transversus abdominis this is a thin strip of muscle that runs horizontally across the abdomen. You can target these muscles effectively by performing the following exercises: 1. Crunches 3 sets of 15 20 reps. This exercise will work the upper abs. 2. Pelvic tilts 3 sets of 15 20 reps. This exercise will target the lower portion of the abdomen below the navel. 3. Side bends 3 sets of 15 20 reps. This exercise will work the obliques. As with all exercises you need to take care in scheduling specific body parts. To begin with you should incorporate your abdominal exercises into a program similar to the one suggested below: Day 1: Biceps, Back, Abs Day 2: Hamstrings, Shoulders, Abs Day 3: Quads, Forearms, Calves Day 4: Triceps, Chest, Abs For the first couple of weeks complete one set but then add one set each week to a maximum of three. At the end of three months you will be ready to move on to more intensive intermediate level exercises.


    Online Abdominal Exercises For Beginning Bodybuilders
    When Is It A Mistake To Re Finance


    When Is It a Mistake to Re Finance? Many homeowners make the mistake of thinking re financing is always a viable option. However, this is not true and homeowners can actually make a significant financial mistake by re financing at an inopportune time.

    There a couple of classic example of when re financing is a mistake. This occurs when the homeowner does not stay in the property long enough to recoup the cost of re financing and when the homeowner has had a credit score which has dropped since the original mortgage loan. Other examples are when the interest rate has not dropped enough to offset the closing costs associated with re financing.

    Recouping the Closing Costs In determining whether or not re financing is worthwhile the homeowner should determine how long they would have to retain the property to recoup the closing costs. This is significant especially in the case where the homeowner intends to sell the property in the near future. There are re financing calculators readily available which will provide homeowners with the amount of time they will have to retain the property to make re financing worthwhile. These calculators require the user to enter input such as the balance of the existing mortgage, the existing interest rate and the new interest rate and the calculator return results comparing the monthly payments on the old mortgage and the new mortgage and also supplies information about the amount of time required for the homeowner to recoup the closing costs. When Credit Scores Drop Most homeowners believe a drop in interest rates should immediately signal that it is time to re finance the home. However, when these interest rates are combined with a drop in the credit score for the homeowner, the resulting re financed mortgage may not be favorable to the homeowner. Therefore homeowners should carefully consider their credit score at the present time in comparison to the credit score at the time of the original mortgage. Depending on the amount interest rates have dropped, the homeowner may still benefit from re financing even with a lower credit score but it is not likely. Homeowners may take advantage of free re financing quotes to get an approximate understanding of whether or not they will benefit from re financing. Have the Interest Rates Dropped Enough? Another common mistake homeowners often make in regard to re financing is re financing whenever there is a significant drop in interest rates. This can be a mistake because the homeowner must first carefully evaluate whether or not the interest rate has dropped enough to result in an overall cost savings for the homeowners. Homeowners often make this mistake because they neglect to consider the closing costs associated with re financing the home. These costs may include application fees, origination fees, appraisal fees and a variety of other closing costs. These costs can add up quite quickly and may eat into the savings generated by the lower interest rate. In some cases the closing costs may even exceed the savings resulting from lower interest rates. Re Financing Can Be Beneficial Even When It is a “Mistake” In reality re financing is not always the ideal solution, but some homeowners may still opt for re financing even when it is technically a mistake to do so. This classic example of this type of situation is when a homeowner re finances to gain the benefit of lower interest rates even though the homeowner winds up paying more in the long run for this re financing option. This may occur when either the interest rates drop slightly but not enough to result in an overall savings or when a homeowner consolidates a considerable amount of short term debt into a long term mortgage re finance. Although most financial advisors may warn against this type of financial approach to re financing, homeowners sometimes go against conventional wisdom to make a change which may increase their monthly cash flow by reducing their mortgage payments. In this situation the homeowner is making the best possible decision for his personal needs. PPPPP Word count 656


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    Supplements For Athletes In Training


    : One common misconception that people have regarding exercise is that performing it on a regular basis will prevent them from developing any health problems. When you exercise, your body uses its nutrients to fuel the energy necessary to perform the exercise. Depending on the intensity of your workout and the amount of nutrients in your body, you can actually put yourself at risk for nutrient deficiency, which can result in infections. This is especially true for athletes during training. Consuming sufficient amounts of nutrients is an important concern for everyone. The more physical demands you place on your body the more nutrients it requires. Consuming more foods that contain essential vitamins and minerals to compensate for the stress on the body may seem to make sense. However, the demands of a strenuous training routine make it nearly impossible to consume a sufficient amount. Vitamin supplementation can help create the stores of nutrients that you need to achieve your training goals successfully. Many of the vitamins that your body uses during an intense workout are antioxidants. It is important that you maintain adequate amounts of these in your system because they keep infections at bay. Vitamins C and E are two of the most beneficial antioxidants for athletes in training. These vitamins not only prevent infection, but they help to enhance your stamina so that you can endure the intense workout. In addition, vitamins C and E can help rebuild muscle tissue that suffers minor damage during a hard workout. You should not rely on vitamins alone, but be sure to eat protein and carbohydrates in between your workouts, which can also help to rebuild the amount of glycogen you lose during your workout. The amount of vitamin C supplements an individual should take varies, but should not exceed 1000 milligrams. Excessive amounts of vitamin C are not considered toxic because the nutrient is water soluble and excess is excreted in the urine. However, consuming more than 1000 milligrams can cause nausea and diarrhea. If you are considering taking vitamins E supplements, you don't want to take more than 200 milligrams. There are varying reports on the effects of excessive vitamin E so you should discuss taking this vitamin with your doctor. To check out the supplement we take daily and highly recommend, be sure to check out nutritional supplement guides. com/what we use. html

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    Debt Management Plans Tips For Avoiding Dmp Pitfalls


    Most people are involved in some type of financial transaction or decision every day. Sometimes they can get way behind in their debts and financial obligations with no clear way to pay them off. Some resort to debt management plans, which can help if you are careful in setting up the plan. Do you know how to avoid the pitfalls? Credit and debt issues are critical life altering realities for almost everyone. The daily decisions we make in handling the balance between the two determines our credit worthiness in the eyes of financial institutions. As we all know, if you have a bad credit rating, then borrowing funds or purchasing many items will become difficult or impossible. But what happens when you get so far in debt that you have no clear way to pay it all off? Many people resort to a debt management plan (DMP). These are payment plans structured in a way so that the borrower is better able to pay off their debts, and is agreed to by the borrower and creditors. The benefits can include lower interest rates and fee waivers. Once you and the creditors have accepted the DMP, it is important to: • make regular and timely payments • always read your monthly statements to make sure your creditors are getting paid according to your plan • contact the organization responsible for your DMP if you will be unable to make a scheduled payment, or if you discover that creditors are not being paid If the payments are not made to your DMP and creditors on time, you could lose the progress you've made on paying down your debt, or the benefits of being in a DMP, including lower interest rates and fee waivers. The creditors may not forgive any more late payments and you will incur more 'late' marks on your credit report as well as more late fees, increased debt and a longer pay off period. So, once you are on a debt management plan, make sure that you are never late on any payments. DMPs are not for everyone. You should agree on a DMP only after a certified credit counselor has spent time thoroughly reviewing your financial situation, and has offered you specific advice on managing your money. You may be able to work out a payment plan directly with your creditors. But if you decide that you need to work with a credit counselor and get additional advice and assistance, ask questions like these to help you find the best counselor for your situation and make sure you get full and complete anwsers. Some Important Questions to Ask When Choosing a Credit Counselor to Handle your DMP: 1. What services do you offer? Look for an organization that offers a range of services, including budget counseling, savings and debt management classes, and counselors who are trained and certified in consumer credit, money and debt management, and budgeting. Counselors should discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems now and avoid others in the future. 2. Are you licensed to offer your services in my state? Many states require that an organization register or obtain a license before offering credit counseling and debt management plans. 3. Do you offer free information? 4. Will I have a formal written agreement or contract with you? 5. What are the qualifications of your counselors? Are they accredited or certified by an outside organization? If so, which one? If not, how are they trained? Try to use an organization whose counselors are trained by an outside organization that is not affiliated with creditors. 6. Have other consumers been satisfied with the service that they received? Once you've identified credit counseling organizations that suit your needs, check them out with your local consumer protection agency, and Better Business Bureau. 7. What are your fees? Are there set up and/or monthly fees? Get a detailed price quote in writing, and specifically ask whether all the fees are covered in the quote. 8. How are your employees paid? Ask them to disclose what compensation it receives from creditors, and how they are compensated. 9. What do you do to keep my personal information confidential and secure? They should have safeguards in place to protect your privacy. Get the information you need to make an informed decision.


    Online Debt Management Plans Tips For Avoiding Dmp Pitfalls
    Discount Codes


    Discount codes also known know as voucher codes, promotional code, and online coupons are codes that can be used at online shops to avail a discount against some products. These codes are issued by manufacturers and retailers to increase their sales on a particular product or range of products and distributed through online or offline methods to general public to use. Savvy consumers know that these discount codes can help them in saving a substantial amount every month. Hundred of online stores have a place within their shopping cart for entering coupon code that gives a discount for the purchases they have made. But the problem is many people do not know how to find the coupon codes. Due to this they may not able to avail such discounts. One can find these secret discount codes and coupon codes listed on many websites across the internet. But they are usually personal homepages and do not maintain their lists. This makes the user finding these codes very difficult. There are some websites and portals with dedicated full time staff whose only job is to find new coupon codes and discount codes and verify the accuracy of the existing database. One can find the desired discount codes by visiting these websites and utilize them while doing online purchase. Most of the online shopping sites follow a standard method to redeem the discount codes. On the Shopping cart page when you have completed the product selection press the checkout button to continue. Next you need to enter your address details and shipping details and then press the proceed button to continue further. Next enter the credit card details. Now you have to enter your discount code at this stage and proceed to continue. On the next page you can check your order and shipping details and here, you will also be able to see your discount applied to your purchase. Some times you may not be able to use your discount codes due to various reasons. Discount codes are case sensitive and they may be in ALL CAPS or combination of both capital and lower cases. You need to enter in same cases as giving in the discount code. Most discount codes are only valid only unto certain dates. Make sure that the discount code is not expired. In many cases discounts codes are valid only for the specific products. If you try to use it for some other product, it may not work.


    Online Discount Codes
    Spy Phone Accessories


    Using a spy phone is a great way to get information and evidence. However, there are plenty of supplementary tools to go with your spy phone to help you make your detective work and information gathering more efficient. Some of these accessories include recorders that not only record the conversation but also decode the phone number dialed, a room monitor that can be used with any telephone, and a transmitter device disguised rather effectively as a phone jack. All of these tools can make your spying more effective. A conversation recorder that can help you know what number was dialed out can be a very useful complement to your spy phone needs. It allows the recording of both sides of the telephone conversation, and it also records the pulse or tone signals used to dial out. This means that you can check and see what numbers were dialed out on the phone, and match those up with the properly recorded phone conversation. Monitors that work with your spy phone needs are very effective and useful. These are sleek little devices that are very discreet; they look like a small device that one might see lying near a computer or near other electronic equipment. You can leave it in your office or at home and listen in when you are away. Its access is through the phone line, so you use a telephone receiver to listen in. It hears everything that is going on in a room, so you can be there even when you are not. Finally, you can increase your spy phone capability by making use of a dual modular adapter. This is in actuality a radio frequency transmitter that sends two sides of the conversation to your listening post. All you need is an FM receiver and you can listen in. It works just like a regular phone jack, so your subject will not suspect a thing as you make use of your spy phone technique. With the right accessories, you can improve your capabilities, especially when it comes to phone conversations. The phone is one of the most used communication devices, and so with the help of accessories you can be more effective in your spy phone use. (c) 2005 Copyright . spyassociates. com. This article is about: Spy Phone.


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    Online Video Websites Popular Alternatives


    Online Video Websites: Popular Alternatives When you think of online video websites, which websites come to mind? There is a good chance that you responded with Google Video or YouTube. Google Video and YouTube are known as two of the most popular online video websites. Although they are great sites to use, they are not the only sites that are available. If you are looking for other alternatives, you will find that you have a number of different options. If you are looking for alternatives to Google Video or YouTube, you are advised to perform a standard internet search. Perhaps, a standard internet search is the best way to find other online video websites. In addition to being linked to those websites, you may also find online discussions that are centered on online video websites. If you have the time to read these discussions, you are advised to. They may help to give you an idea as to which online video websites are worth your time and which ones are not. As previously mentioned, you should be able to find a number of different online video websites by performing a standard internet search. Your search results will likely include Vimeo. Vimeo is an online video website that is well known throughout the internet community. With Vimeo you can easily view a collection of different online videos. While their program is free to use, it is still advised that you register with them. Registration will make it easier for you to search for and find the videos that you want to watch. In addition to watching videos, you can also create, upload, and share your own. Another online video website that you will likely come across is ClipShack. ClipShack is another popular online video website. In a way, their website is similar to YouTube’s, which makes the website each to use and navigate. When at ClipShack’s website, you can view a large collection of videos, free of charge. As with most other online video websites, ClipShack allows you to upload and share your own videos. Sharkle is another online video website that you can use for free. On their website, you will find a collection of online videos, similar to the ones that can be found on YouTube or Google Video. With Sharkle, you can watch a number of different videos without having to register, but registering will grant you access to other member benefits. These benefits include the ability to rate and leave comments for videos that you have watched, as well as upload your own. As you can easily see, Google Video and YouTube are not your only options when it comes to watching online videos. In addition to Sharkle, ClipShack, and Vimeo, you should be able to find a number of other online movie websites. Many online websites post videos on a wide range of different topics, subjects, and issues. If you were looking for online video websites with a particular theme, you should be able to find them online. You may need to alter your search phrase, but it is possible to find them. Popular online video websites exist for those who love pets, follow a particular religion, or love politics. The features and services offered by each online video website will vary; depending on the sites own rules and restrictions. Although you may be unable to create, upload, and share your own videos, you should be able to watch online videos on a wide variety of different websites, including the ones mentioned above. PPPPP Word Count 582


    Online Online Video Websites Popular Alternatives
    Into The World Of Style And Photography


    Fashion photography is ALWAYS in fashion. Although it is mainly dependent on commerce, fashion photography is now considered as an art. Unlike before where fashion photographers see the craft as a source of income, modern fashion photographers see themselves as artists who can invent and reinvent different photo shoot techniques and style. BECOMING A FASHION PHOTOGRAPHER If you are a budding photographer and has always been fascinated with fashion and photography, you may want to make fashion photography as an option. Imagine yourself traveling the world and setting foot on exotic islands and historical sites, working and hanging out with famous, most creative, and talented people in the fashion industry, taking the photos of international super models to have them published in various fashion magazines, having your named renowned internationally, and to top it all, you are paid a huge sum of amount while enjoying these perks. Today, where almost everybody can become a fashion photographer through the use of reliable digital cameras, soft wares, and other photo editing gadgets, more and more people photo and fashion enthusiasts are into the lucrative business of fashion photography. But, how do you break in? Here are some of the things you may want to consider: Make up your mind and decide if you really want to be in the business. Don’t hesitate about potential clients and income because fashion photographers are always in demand. Choose where would you want to land on the business—either freelance, ones without an agent; freelance with an agent, employed by a retailer, employed by a publication either a magazine, a book publisher, a newspaper, and the like; employed by an established fashion house, employed by an advertising company, employed by a fashion or clothes manufacturer, employed by a direct mail company or you would want to open up your own studio and get clients on your own. FASHION PHOTOGRAPHY CHECKLIST So, you really want to become a fashion designer? After deciding what you really want to do and where would you want to land in the gigantic world of fashion industry, you should make a short reassessment of your skills, you work ethics and etiquette to become successful in the path you have chosen to take. There is more to fashion, photography, and fashion photography than meets the eye. Bear in mind that the craft and the business are beyond the realms of taking good photos, models, clothes, and products. Also remember that being a fashion photographer is more than an average person who takes good pictures. Technical and artistic skills in photography are required. Additional skills in styling, natural knack for clothes, great artistic inclination in modeling and composition, and entrepreneurship spirit are also a must. If you didn’t make it in the fashion photography scene yet, consider some options and career paths like working periodicals, ad agencies, department stores, fashion houses, modeling agencies, retailers, catalogues, galleries and in stock photography agencies while waiting for that big break. Experiences in these fields can hone your innate skills and may open up doors to greater opportunities. More tips in becoming a fashion photographer, breaking into and succeeding as fashion photographer, starting a fashion photography business, starting a fashion photo studio, starting a glamour photo studio and even getting paid to take beautiful fashion pictures and travel the world in the internet. These sites also provide information, and pieces of advice and tips for those who are interested in entering the industry as well as for those who would want to enhance their knowledge in the craft.


    Online Into The World Of Style And Photography
    Be Blister Free On Your Outdoor Vacation


    Rather than lengthy travel overseas or costly vacation rentals along a popular beach, you have decided to try an outdoor vacation. From the many choices of outdoor vacations available, from kayaking to authentic dude ranches, you have opted for a simple hike through a beautiful forest or wilderness. Depending on the location, you may simple get in the car and drive to a nearby state park or forest after which you will find yourself amidst beautiful scenery away from the nearby urban environment. So, after a few hours you have been on the trail and decide to make your way back. You have several miles to go, but realize you have blisters. This can turn an enjoyable hike into misery. Blisters result from the friction between your sock and skin and, therefore, the inside wall of your boot. The best hiking boots and socks can even allow for slippage of the foot inside the boot, that which can lead to potential for blisters caused by the painful friction. A good pair of socks can help minimize this problem. Though cotton, silk and wool are some of the more common materials, hikers today have a variety of choices. When combined with traditional materials, Lycra and some polyester materials can do a good job as well. Other features of socks are important to help reduce this slippage and friction also, and the new construction methods in socks are contribution much. For instance, thicker sections and a lack of ridges can help socks reduce the friction. Their thermal properties and moisture wicking capabilities also help improve the general environment around the foot inside the boot. Your selection of a proper, quality hiking boot can also contribute to minimizing the possibility of friction and, ultimately, blisters. Yes, many stiff hiking boots will loosen somewhat as you wear them, but it really is important to find a boot that fits right and is comfortable right away. If you decide to remove your boots during the hike and slip them into a cold creek, be sure to dry your feet off completely before re booting. Also, make sure there are no ridges on your sock and gravel inside the boot. However, if you still feel a blister forming, remove your boot and use some water to rinse off the area. Disinfect the area with anti bacterial cream or alcohol if you have it. Then, puncture it horizontally by using a clean, disinfected needle and squeeze out the fluid inside. Do not tear off or remove the skin, but rather place a bandage over the area to serve as an “artificial skin” until it heals. Once at home, treat the area better with Benzoin or another anti bacterial cream. Though not in ever case, you may need to cut away the flap of skin but only if a good portion of the skin has become loose. Otherwise, it will fall off or decay on its own. As you see, selection of you hiking gear is important. Be prepared so you can enjoy the entire hike from beginning to end!


    Online Be Blister Free On Your Outdoor Vacation
    Madonna Born Under The Gladiator Flower


    Madonna – warrior, queen of pop, or beloved star – take your pick because any of those descriptions matches with her August birth flower the gladiolus. The gladiolus, which is often called the Sword Lily because of its shape, was, in fact, named after the gladiator's weapon of choice, the sword. The root of the word gladiolus is "gladius," which means sword. Though it has ancient associations with working class gladiators, the gladiolus is also marked by nobility. The gladiolus was chosen by the founders of the French monarchy to appear in the fleur de lys, the royal emblem of France. The gladiolus is also a flower of romance. An arrangement of gladiolus shows the recipient that he or she "pierces the heart" like the sword after which it is named. In fact, the roots of the gladiolus were once thought to be an aphrodisiac. Gladiolus make an excellent choice for flower gardens, though they grow best in warmer locations since they have their origin in the hot African climate. However, they are a relatively inexpensive flower, so they're a good choice even in colder areas of the country since they can be planted in stages throughout the gardening season. Though its blossoms resemble the trumpet shape of the daffodil, the gladiolus grows not from a bulb, but from a corm with a level bottom and spiky top. When you plant the corm, be sure to plant it with the point up in a hole that is about four inches deep. For the most attractive arrangement, be sure to plant them in groups of at least seven with five inches of space between each corm. Gladiolus also make excellent cutting flowers and are frequently used in professional flower arrangements. If you plan to cut them from your own flower garden, you should bring a deep container of warm water with you to the garden. After cutting the stems at an angle, immediately place them in the water. Before arranging them in a vase, place them in a cool dark place for a few hours. Thereafter, cut about an inch off the stem every few days to keep them fresher longer. Lover, fighter, or royalty—the gladiolus fits almost every personality and remains among the most popular flowers in the country. You'll find it at weddings, funerals, and in arrangements used to celebrate all stages of life. Considering that Madonna fits the bill for all three of the gladiolus' meanings and has been reinventing herself throughout the stages of her life, there's no doubt that she couldn't have been born under a more appropriate birth flower.


    Online Madonna Born Under The Gladiator Flower
    Art On The Internet


    Thanks to the dawn of the internet, art in America has experienced a renaissance of sorts, with new, talented and important young and aspiring artists making a name for themselves every month and with the long suffering art galleries finally getting a taste of commercial success. The internet has made it easier for art connoisseurs and dealers to peruse an endless number of new paintings and check out the latest masterpieces that are on sale without traveling half way across the globe like they used to. Today, an art collector can attend as many as three or four art auctions a day without leaving the comfort of his bedroom. In the past, he would have to criss cross America and Europe for a week or two before he could attend as many art auctions. There are now about a dozen websites dedicated to lucrative art auctions. These auction sites have impressive art listings and offer classic works of art worth millions of American dollars. Aside from the auctions, the website also have a listing of important art events and have informative content that narrate the history of the great artists of all time as well as their work. And, of course, there’s gallery after gallery of timeless and awe inspiring paintings. These days, every art gallery worth its salt has to have its own website. This is the modern and easy way for them to reach out to art patrons around the world. And the internet has only boosted existing art galleries. Through the internet, there are now virtual online galleries, which are galleries that only exist on the web, with no physical structure as an equivalent. If the art galleries have been flourishing, it looks like the good fortune has spread to the artists as well. There are weekly announcement on the websites about successful sales by up and coming artists, complete with that all important photo of the artist himself beaming broadly beside his cherished newly sold painting and its new owner. Finally, with the arrival of the internet, artists now have a consistent, dependable source of income. Not only do they now have a showcase for their works, the artists are often commissioned by the galleries to do artworks for their regular theme art exhibits. Suddenly, art has become a viable commercial endeavor.


    Online Art On The Internet
    Finding A Physical Phone Tap


    If you are worried that you have a phone tap problem, there are some ways to investigate the truth and try to find the tap. A physical phone tap is one that is actually present on your phone, or present somewhere along the phone wire. Usually someone somewhere has done something to allow their phone wires to share with yours, so that they can pick up their phone and listen to your conversation — an even possibly record it. There are also transmitter taps that may be somewhere in your home and listening in. For transmitter taps, a regular “bug sweep” ought to do the trick. But for a physical phone bug? You need to do a little hunting. The first likely physical phone tap is one that is actually attached somewhere to the wires in your house. This means that you will need to follow the wires from your phone to the jacks and also from the TNI box outside your house all the way into your home. Many of these wires go through the basement, and so you should check down there. Because there is the possibility that the physical tap could be in the wall, you might find that tearing up the wall is your only option. However, it would be very difficult for a tap to be put there without your knowledge, unless it happened during building. The TNI box mentioned above should also be checked. You can open it up and see if there is something unusual inside. If you want to double check the side of the box that says “restricted,” you will need an alan wrench. Luckily, these are available at most hardware stores. Thoroughly checking your TNI box is a good move, as this is a likely place for people to physically tap into your line without you noticing. Of course, if you are subject to a government phone tap, it does not really matter. This is because the government uses the phone company’s switch. There is nothing anywhere near your house to tap into. You can escape a government tap by using a prepaid cell phone (a regular cell phone can be tapped the same way as a conventional phone) or a public pay phone, but it your land line tapped, there is no detecting a government phone tap. (c) 2005 Copyright . spyassociates. com. This article is about: Phone Tap.


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