Finding the best source for cheap generic cialis

When you start to think about how you are going to find cheap Generic Cialis you begin to wonder if there is a site out there that will help you put all of the retail websites together into one matrix that you can easily review and judge each site based on its merits and value.

Well whether you are comparing cheap Generic Viagra, or any other erectile dysfunction medication, we want you to consider us as your side by side shopping guide that can help you find the best sources for all of your generic medication needs. We help take the guess work out of finding a source for cheap generic Cialis as we put the retail sites side by side, along with their attributes and value, and let you make your own decisions.

We leave nothing to chance and our content is based on hours of researching and breaking down all of the retail sites for purchasing generic erectile dysfunction medication and putting that information in a format that is not only easy to understand but also easy to use as a comparison tool. We give you all of the important aspects of any retail shopping site and let you decide which site offers you everything you are looking for and which sites can offer you the best value for your money. We also offer information that can attempt to answer your questions about buying cheap generic Cialis online, what you should look for and what you should avoid, along with any advice we can offer to help you get the most for your hard earned dollar.

Paying for college fees

It is nearly impossible for anyone to attend college these days without having to rely on some form of credit and financial aid. The cost of college has skyrocketed over the last few decades and without credit in the form of student loans many people simply would not be able to attend. The costs would be too prohibitive.

Even though the costs of attending college are high, the new global markets and other high paying job opportunities all but demand that a college degree be obtained. This article discusses some ways to ease the burden of paying for college.

Saving and borrowing are the two most common ways of getting money for college. Here are some tips on how you can do both in an effective way.

You can consider using Education IRAs:

These savings vehicles can be an excellent choice for saving for college but they work best when they are started early. Some of the features they offer include: Penalty-free withdrawals as long as the money is used for higher-education expenses for yourself, your spouse, a child, or grandchild. These IRAs allow for qualified expenses. These include tuition, fees, and room and board for postsecondary education and that includes graduate school. The tax advantages of IRAs make them an excellent place to begin saving for an education but, again, they need to be started early so that they have time to grow.

There are many state tuition savings programs available. Many states have tax-advantaged college savings programs that you can join and participate in. They offer nationwide participation which means you can use them no matter where you live. They are also very flexibility. You can open an account for a child, grandchild, or other young person. Best of all there are no limits, which means there are no annual limits to the amount you can contribute.

You may also wish to use home equity loans. With this type of loan you use the equity in your home to help finance the costs. There are some advantages to this. For example, the interest can be tax deductible, and the money is yours to use for any school you choose.

Some of the most popular options are the various student loans that are available. Student loans usually have lower interest rates and the interest can be tax deductible with some restrictions. There are a variety of student loans available. Some of the more well known include: Stafford loans, which are subsidized and unsubsidized federal loans. Private loans, which are very useful when federal loans are not enough to cover costs.

Student loans have to be repaid, of course, and there are many options open for students and parents for doing this. A standard repayment is the principal and interest payments divided into equal monthly installments throughout the repayment period. Another option is to consolidate the loans. This type of payment option will combine all eligible federal loans into a single new loan with a single monthly payment. Then there are the graduated repayment options. These offer smaller payments at the beginning of the repayment term which gradually increase over time. It is supposed that as you begin to go to work and make your career you will be able to pay the higher rate.

Drum lifting equipment

Many industrial businesses make a great deal of use of drums for a variety of purposes, from materials storage to waste handling. The standard 55 gallon drum is an almost ubiquitous sight in industrial premises, but their greatest asset – their size – is also a major problem when it comes to handling the drums, and in order to safely move and manipulatMany industrial businesses make a great deal of use of drums for a variety of purposes, from materials storage to waste handling. The standard 55 gallon drum is an almost ubiquitous sight in industrial premises, but their greatest asset – their size – is also a major problem when it comes to handling the drums, and in order to safely move and manipulate them, proper drum handling equipment is necessary.

There are a number of different kinds of drum lifting equipment that are all designed for slightly different purposes. From helping staff to move drums from one place to another, to raising them enough to get them onto a trolley, right through to being able to stack them appropriately and safely, there are custom tools to help under a range of different circumstances.

The most common need amongst production staff is to be able to lift a drum a small distance off the ground in order to allow for them to be placed on a trolley for ease of movement. It can be tempting for staff to try and manipulate a laden oil drum into place on a trolley, although the weight of the items makes this dangerous.

A chain drum lifter is one of the most common sights in an industrial environment, and is one of the most easy to use tools that can be utilized in moving and manipulating drums in conjunction with a crane or other piece of drum lifting equipment. Fitting a chain drum lifter to your oil drum is simple; the clamps fit easily, and are held cleverly into place by the weight of the drum, making it very safe and steady in use. Weighing just 8 pounds, the chain is made of the highest standard steel, and can support a weight of up to 2,000 pounds.

Plastic drum lifters are specially designed for lifting 55 gallon plastic drums with a weight of up to 800 pounds. The device clamps into place at the top of the plastic drum and attaches to the crane in order to provide you with a stable and safe means of attaching a drum to a crane.

As the name suggests, a multi-purpose drum lifter has many different uses, and is designed to make lifting plastic drums easier. Unlike the standard plastic drum lifters, this model comes with a set of three arms that hold the drum, which double as wrenches for opening and closing the fittings on a standard drum to ensure that you always have the right tool to carry out a job once you have got the drum into place.

A vertical drum lifter is one of the most stable pieces of drum lifting equipment that you could require for your needs. This heavy duty lifter clamps firmly onto the top of a standard 55 gallon drum to allow it to be moved very easily. Once the drum lifting equipment is clamped properly into place, you will find that you can safely lift up to 1,000 pounds with the standard model, providing that your crane system is appropriately rated.

Thanks to the ubiquity of oil drums as a standard means of storage, having the right kind of drum lifting equipment on site to make moving and manipulating them simple and safe. Choose the right model based on the type of drum that you use, and the weights you are likely to fill them with, and you will have a piece of equipment that will provide you with all the reliability you need.

Rishon model of elementary particles

It has been proposed that the quarks and leptons consist of more fundamental particles called rishons. The T rishon may be defined as having mass and charge e/3. The V rishon is neutral and has little or no mass. The rishons have spin 1/2, carry color charge, and combine in triplets or rishon-antirishon pairs. Thus the electron is a TTT, the neutrino VVV, the down quark TVV, and the up quark TTV. If the T has somewhat greater color charge than the V, the down quark would have a net excess of the color carried by the T. The antiup quark TTV would appear to have a net deficiency of the color carried by the V, or equivalently, an excess of anticolor, and behave as an antiparticle. Hence the TTV would appear to have an excess of color and behave as a particle, in agreement with observation. The leptons have no net color. There is no need for hypercolor.

All particle interactions consist of rearrangements of rishons, or creation or annihilation of rishon-antirishon pairs. For example, beta-decay occurs when a down quark changes to an up quark, emitting an electron and neutrino:

TVV --> TTV + TTT + VVV

The massless particle was originally called a neutrino; it was later defined to be an antineutrino. This model favors the first choice.

If the binding between rishons is much greater than the binding between quarks or leptons, then quarks and leptons could associate without losing their identity, just as atoms can form molecules. Lepton number is also conserved if the VVV is assigned a negative lepton number.

The second and third generations of the electron and the quarks might be formed by adding one or two TT pairs to the first generation. The second and third generations of the neutrino might be formed by adding one or two VV pairs to the first generation. The force binding the rishons is evidently so great that the separate rishon wave functions “fall” together into just one wave function, in which case there would be no internal structure.

The effective mass of the TTV is nearly equal to that of the TVV, which implies that the T-T bond has binding energy nearly equal to the bare mass of a T. The electron has three T's and three bonds and hence should have little mass compared to a quark, as observed. The muon obtains most of its mass from the added TT and should have a mass comparable to that of a quark, as observed.

The boson carriers of the weak force presumably consist of the rishons required to form the decay products. The photon may consist of a colorless VV pair; for example red-antired. The gluon may consist of a colored VV pair, for example red-antiblue. Hence the weak force may simply be the color force carried by weak bosons; the electromagnetic force is the color force carried by photons, and the strong force is the color force carried by gluons, mesons, quarks, and possibly other hadrons.

A real TT would annihilate, while a virtual pair might help carry the strong force. A bare rishon, a TV, TV, TT, or VV would carry net color and, like the quarks, would not be seen in isolation.

The proton consists of two up quarks and a down quark, so the hydrogen atom has four T's, four T's, two V's, and two V's. If this typifies the whole universe, then there exist equal amounts of rishons and antirishons.

One might speculate further that the emission and absorption of virtual particles is just Hawking radiation. The spacetime itself around a rishon might have quantum states. The large spin of a rishon would eliminate the spherically symmetric S states, leaving three P states with the time coordinate expanded, and three P states with the time coordinate compressed. These might be identified with the three colors and three anticolors. The difference in the time coordinate would cause a slight difference in the reaction rates of rishons and antirishons, explaining why hydrogen is more abundant than antihydrogen. Another possibility is that the rishons and antirishons have opposite handedness and parity violation causes a difference in the reaction rates. The rishons themselves may be just quanta of spacetime. The V rishon might be the lowest P state, and the T rishon the next-highest P state. Thus the T and V would be similar, but somewhat mismatched, as observed.

If this sort of model is correct, it would be the basis of the long-sought unified field theory. The strong, weak, and electromagnetic forces are just the color force carried by intermediates, and the color force itself may be identified with quantum gravity of which ordinary gravity is the long-range limit.

Reference

Haim Harari, "The Structure of Quarks and Leptons," Scientific American, p.56, April 1983.

Choosing sunglasses that enhance your style and protect your eyes

Whether you pick them up at a discount retailer or from a designer boutique, sunglasses are definitely must-have accessories regardless of the season. However, far from being just a fashion accessory, sunglasses are multipurpose tools that can protect your eyes from harmful UV rays and provide a degree of shade on a sunny day, improving visibility and lessening your chance of being temporarily blinded by sunlight (particularly important while driving).

As wonderful as sunglasses are, all sunglasses are not of the same quality and it is important to take care when shopping for a pair. The most important consideration when purchasing sunglasses is to find a pair that provides full protection from ultra violet (both UVA and UVB) rays, which are generated from the sun even on cloudy days. While experts disagree about possible negative effects UVA rays may have on the eye, it is known that UVB rays can cause a number of eye conditions including permanent retinal damage, so make sure your sunglasses are rated for full UV protection.

Sunglasses come in a variety of styles and types. If fashion is your main consideration, pick a stylish frame and then have custom lenses with UV protection added to them. If sun protection is your primary concern, pick up a pair of wraparound sunglasses that will block light that would normally skip past the frames of regular sunglasses.

After you’ve found a style that you like, think about the lenses. You’ve probably seen sunglasses with different colored lenses. While on cheap plastic sunglasses color may be little more than a fashion choice, with proper lenses, the color can tell you more about the purpose of the sunglasses. Knowing the different kinds of lenses will help you make the best decision when choosing sunglasses.

• Photochromic lenses change color depending on the amount of UV light to which they are exposed, although for the most part, they appear darkly shaded when outside, and light or clear when inside. Photochromic lenses create the illusion of sunglasses and regular glasses in one package.

• Amber-colored lenses tend to block blue light. There is discussion about whether blue light is harmful to the eye, but outdoors lovers agree blue-blocking lenses are super on the ski slopes or while hunting or fishing.

• Mirror-coated sunglasses limit the light that reaches your eye, which may make it easier to see in very bright situations.

• Gradient lenses, as the name implies, are those that are tinted at different opacities from the top down or from the bottom up. Top-down gradient lenses in sunglasses are great for driving and viewing the controls clearly.

• Polarized and anti-reflection-coated sunglasses reduce the amount of reflected light reaching your eyes, which is great in super-bright situations such as in the snow on a sunny winter day.

Nearly every style of sunglasses, lenses and frames, can be made to accommodate special prescriptions so that even those with poor vision can benefit from wearing sunglasses.

A season of classic looks and delicate details

What will women be wearing this fall? The style-savvy experts at Chadwick's, the nation's first and largest value fashion catalog, say that clean and conservative looks are back in vogue. Skin-baring outfits are out and layering is in. Volume and textured fabric are fashion's buzzwords, and rich colors like black, red, purple and gray ruled the runways. Chadwick's offers the following tips on how to be fashionable this fall:

Sleek Silhouettes

The "new suit" features fitted jackets paired with slim pants and skirts, for a polished, tailored look. Consider a mandarin collar or washed wool plaid blazer with a favorite pair of pants for sophisticated style. Or menswear-styled suit jackets, softened with feminine details and gentle draping, create a look that works in a boardroom or a bistro.

Give your pants some pizzazz by wearing cropped or wide-legged styles. Several top designers explored this trend with contrasting looks-pairing loose with tight and long with short. Anyone can wear this look by balancing the silhouette with heels or an appropriate top.

Touchable Textures

Luxurious velvet made a comeback this season. Chadwick's designs feature crushed and jewelry-close velvet blazers that create a modern look.

From chunky cable to fine gauge, there's a knit for all occasions. For a cozy option on chilly fall nights, choose a sweater-knit. For a feminine spin, try a twin set lined with ruffles or a beaded cardigan.

Au Courant Accents

For tasteful fall layering, it's all in the details. Pieces trimmed in lace or ruffles create a romantic touch under shirts and jackets.

Wound along the hem of a skirt or down a pant leg, embroidery adds a splash of style. Paisley and floral designs are classic twists on this modern trend.

One signature snapshot is a jacket cinched at the waist with a belt. Pair it with a boot of any height for an up-to-the-minute look.

Introduction to online nursing schools

Online nursing schools are available to all nurses who are looking to expand their academic horizons. These programs offer degree programs in LPN, RN, bachelor of nursing, master of nursing, and also a PhD program in nursing. Choosing a program depends on several factors. If a person wants to become a nurse, they will have to see if the program accepts those with no prior nursing experience. For those who are returning to school, they have to decide which direction they want to take their career. A nurse can obtain their RN license after going to school for two years, or they can stay and earn an RN with a four-year degree. The more education a nurse has, the more they could earn.

Online nursing schools offer many programs to those who would like to specialize in a certain area of nursing. For those who want to work in burn units, child wards, elderly care facilities, or the forensic science field, continuing one’s education will help them get the jobs they are the most interested in having. Enrolling in one of these programs is similar to enrolling at a college or technical school. A nurse will have to provide transcripts from other institutions they attended and then supply a work history if applying for programs that require prior work experience. Many programs do require this, especially higher level education such as a master’s degree. One or two personal references may be needed depending on the program.

Once accepted, the school will send the computer requirements needed to receive all class requirements, online videos and other correspondence an instructor might send. Online nursing schools are primarily work at one’s own pace but time management is up to the student and all assignments must be completed in the time allotted. There is more time given than in a traditional class room setting, but it is still expected that people put in the work needed to complete the degree. An online nursing degree can be a wonderful asset to anyone’s career.

Credit card payoff calculator

A credit card payoff calculator helps by giving an idea as to how you could replay the balance in your credit card and thereby showing you the necessary changes you could do for targeting your repayment goal. Credit card payoff calculator is a financial calculator that can be run with Java Support and a browser. You could make an entry of all credit card balances and find out the amount owed and the duration you would require to repay the credit. This way a credit card payoff calculator helps in chalking out a plan for managing your credit card balances.

In a Credit card payoff calculator, one may be required to enter the current balance, the monthly payment that you are making currently, the rate of interest and the payoff goal (in months). The payoff goal is the duration within which you possibly would like your credit card balance to be repaid. Once these data are fed in, on clicking the calculator button, the calculator calculates the number of months that you would require to repay the balance if continued at the current rate, and also calculates the amount that you may have to pay every month to meet your payoff goal.

The best way to get a better deal while opting for a credit card is to figure out the cost a given card could give you. Though one has innumerable number of offers from credit card companies, with each providing better offers than the other, the credit card payoff calculator can help in calculating and analyzing the true cost and helps in comparing the credit card rate of different companies and you could choose the one that best suits your needs.

To put it in short, the credit card pay off calculator is a program that will help you determine the duration that you would take to repay the debts on your credit card based on the figures you supply. Thereafter, you could show the information to a professional counselor who could help you with suggestions to repay the debt in lesser time and smaller cost. Through a credit card payoff calculator, one can get their interest rates reduced considerably. By calculating in advance, it could help one get out of credit card debt in a shorter time, thereby helping you to waive off the over limit fees. It works with minimum resources with no additional software and works like windows calculator and could be considered as a must have for all credit card holders.

Nicad lithium and nimh batteries

Three main types of rechargeable batteries are used in newer technology hand held devices. Scientists are constantly trying to develop batteries with better technologies that make them faster, more powerful, and more lightweight. In the past, the only type of rechargeable battery available was a lead-acid battery, which contains liquid and must be kept ventilated in an upright position. Though still used in autos and motorcycles, scientists have developed gel-batteries, where the liquid is semi-solid and will not spill. These batteries, most commonly used in new had held devices are nickel-cadmium (NiCad), nickel metal-hydride (NiMH), and the newest, Lithium Ion (Li-Ion) batteries.

Nickel Cadmium, or NiCad batteries are the least expensive of the three types, because it has the least power. They are primarily used in portable phones, power tools, and other hand held devices. They are more practical than lead-acid batteries because of their increased power and light weight. They also have an advantage over alkaline batteries which are not usually rechargeable. NiCad are said to be the number one sufferer of the “memory effect” which in fact is really a lazy battery effect, where the battery discharges quickly after being fully charged. A NiCad battery only lasts 1000 full cycles, so eventually they need to be replaced.

NiMh batteries are next of the podium for newer, more powerful batteries. Though similar to the NiCad batteries, NiMh batteries do not contain toxic cadmium, so they are considered more of an environmentally-friendly battery. They are also higher capacity than NiCad and are said not to suffer from the “memory-effect” quite as much. Following the proper steps for charging and discharging in NiMH batteries is very important. NiMh batteries need smart chargers which prevent them from over-charging. It is also important that they are not run flat in a portable device, which creates reverse charging, which can completely damage the battery. Most devices detect safe discharge voltage and shut down automatically. In this case, NiMH batteries are much more effective in high drainage devices like digital cameras, while NiCad batteries are more effective in devices with a fast discharge rate such as power tools. NiMH batteries are also used in hybrid cars.

The newest and most powerful of all rechargeable battery types is the Lithium Ion battery. When compared to NiCad and NiMh batteries, Li-Ion batteries have the highest voltage density and the lowest self-discharge rate. It is the smallest and most light-weight of all the batteries, but all the advantages make it much more expensive as well. New Li-Ion batteries are said to charge 10 times faster than NiMH or NiCad batteries, and does so in a fraction of the time. Li-Ion are extremely susceptible to high temperatures which can great shorten their lifetime. Extremely high temperatures can also cause a Li-Ion battery to explode.

Different types of batteries have their advantages and disadvantages. While some offer more convenience and higher capacity, there are still many limitations facing the development of batteries. However, battery technology is improving everyday to help portable devices last longer.

Save time and gas earning your degree online

It used to be that if you wanted to go to college and earn a degree, you a little financial aid from your parents and a little more from a part time job. That worked when life moved at a slower pace, a few years back but in today’s fast paced lifestyle, it would be near impossible to work and go to school simultaneously. There just isn’t enough time in the day. Factor in the high cost of schooling and its easy to see why so many people are frustrated when trying to figure out a way to get a college education.

One thing you can do to make getting a degree more affordable is apply for grants and student loans. That will help with the cost of schooling itself but what about transportation from school and work? The cost of gasoline is forcing many people to simply stay home. One remedy would be to earn your degree at home with an online course.

Because of the increasing demand, many universities are developing online classes and programs today. A quick Google search will reveal dozens of well known universities that offer courses. Colorado Tech University has a program that is very much like attending the university offline. You start by paying your $50 enrollment fee and then work towards getting accepted into your classes. Just like being in the offline world you will be interviewed and assessed, you’ll have to prove yourself before you can start class.

If you are thinking that entry to an online school has got to be easier that an offline one, think again. Before online schools will even consider you, you have to write a reason why they should consider your application. You’ll be asked questions that will be centered on why you want to get a degree, why you think you could master the courses and why you chose their particular school. Going through this process is common among online universities these days so be prepared to make a good impression.

Now if you’re thinking that going to school online is going to save you a ton of money, not so. A college education is expensive. Weather you go offline or online, be prepared to spend a small fortune for your education if you are going for more than just a basic degree.

Associates, Doctrines, Masters, PHD or Bachelor’s degrees are pretty much necessities if you want to get ahead of the competition. In fact, even an Associate Degree doesn’t hold the status that it once did. That being said, the standard degree will cost you around 20 thousand dollars and that is a conservative amount.

Instead of the traditional classrooms with a professor, your classrooms will be labs and chat rooms where you can go online to get help with about anything you need. You WILL need to learn and exercise MPA/APA style, since this is the best method for online courses. Common courses offline focus on various other styles, but online you will have to master APA/MPL otherwise you may face penalties.

There are a few colleges online, such as Professional Career Development that are less extreme but you will be earning nothing more than a degree, or else Associates. These classes are inexpensive and the workload is less dramatic so for some this is a plus. The downside is you will not have cyber libraries with this college. You can receive help from instructors, but as in most cases you do get what you pay for - you have to reach long and far to get the help you will need to earn your degree.

Don t fall for the latest internet identity theft scam

Q: I use PayPal to accept credit cards for my online collectibles business. I recently received an email that my PayPal account was going to expire in five days if I didn't click a link in the email and give them my PayPal account information. Being naturally paranoid I decided not to give this information and I'm happy to say that my PayPal account did not expire. Was this a scam?

-- Brenda A.

A: Be thankful that your paranoia kicked in, Brenda, because you were about to fall victim to the scam of the week, this one aimed at the 35 million merchants and individuals who use Paypal. com as their online payment processor.

The email you received was not from PayPal, but from an Internet bad guy behind a forged email address using the PayPal. com domain. You should understand that no reputable online company will ever ask you to provide your account information. Think about it. They already have this information. Why would they ask you to provide it.

Since I use PayPal for several of my online ventures, I, too, received the email in question. The email first seeks to instill fear in you by saying that your PayPal account will be closed if you do not provide personal information. You are then directed to open an attached executable file and enter your PayPal account information and other personal information that PayPal doesn't even require, including your social security number, checking and savings account information, driver's license number, and other personal information that can be used to clean out your PayPal account and perhaps even steal your identity.

If you're not familiar with PayPal, it is a hugely successful, web-based company (purchased by eBay in 2002) that many online retailers and eBay sellers use to accept electronic payments for everything from newsletter subscriptions to consulting services to just about any product for sale on eBay.

The allure of PayPal is that it does not require the seller to have a bank merchant account through which to process credit cards. Anyone with a verifiable email address and bank account can use PayPal and the service can be implemented almost immediately after registering. When someone places an order on a website that uses PayPal for online payments, that customer is directed to PayPal. com to complete the payment process using a credit card or electronic check. The merchant can transfer the money collected in his PayPal account to his checking account any time he likes. Since many larger merchants make this transfer just once a week or so, their PayPal accounts are ripe for the picking from those who have the cunning and lack of ethics required to gain access.

The shear number of PayPal customers is one reason it has become a popular target of scam artists trying to steal personal information from individuals and businesses alike. Identify theft is on the rise. Thanks to the Internet stealing someone's identity has never been easier. At any given moment, there are any number of Internet thieves using all manner of high tech wizardry to steal personal and business information from unsuspecting souls, and many times they can gain access to this information simply by asking the person to provide it through fraudulent means.

The PayPal scam is just the latest in a long line of sophisticated attempts to steal personal information through online means, Amazon, eBay, Dell Computer, and many others have been the brunt of many such scams in recent years.

Identity theft is what's known as "a knowledge crime," which means that the criminal doesn't have to break into your house to rob you blind. If you have a bank account and a social security number, you are susceptible to identity theft.

While most people are familiar with identity theft, most business men and women never think about it happening to them, at least on a professional level. Consider this: if a criminal can learn your business checking account number or the number of your company credit card, they can steal far more from your business than if they had simply knocked down the door and carted off your desk.

The Internet aside, most business and personal identity theft is still the result of stolen wallets and dumpster diving. You should guard your business records closely and be very careful what you throw away. Stop and think for a moment what a criminal might find in the dumpster behind your office.

There's a good chance that dumpster has, at various times, contained scraps of paper with your social security number, driver's license number, credit card number, old ATM cards, telephone calling cards, and other pieces of vital business information like bank statements, invoices, and purchase orders. A dumpster-diving thief could literally rob your business blind in a matter of hours.

Here are a few ways to protect yourself from business and personal identity theft.

· Never give out your first name, last name, business name, email address, account passwords, credit card numbers, bank account information, PIN number, social security number, or driver's license number.

· Change your online account passwords every 30 days. Believe it or not, a hacker who steals your personal information can guess your online account passwords in about two minutes. If your Charles Schwab online account password is your birthday or the name of your first born or family pet, count on a hacker cracking that code faster than you can say "Bill Gates."

· Never provide personal information in response to an email or telephone call. Just because someone calls and says they are from Dunn & Bradstreet and need to confirm your business information does not mean they are really from Dunn & Bradstreet.

· Never give your business credit card number over the phone to place an order with someone who has called you unsolicited. If you are interested in what they are selling get their number, check out their company, then call them back to place the order.

If you think that you have become the victim of identity theft or think someone is trying to steal your identity or personal information you should report them immediately to the Federal Trade Commission. You will find more information on their website at consumer. gov/idtheft/. For more information on what to do if identity theft happens to you visit privacyrights. org/fs/fs17a. htm.

So, if you ever receive an email from PayPal, Amazon, eBay, or any other ecommerce website asking you to update your account information by email you can pretty much bet the farm that it is a scam.

Here's to your success.

Ask don t tell leadership why do i need a business plan

Why you need a business plan!!!

Q: In last week’s column, you gave advice about starting a business, and you kept preaching about writing a business plan. I own a business, I don’t have a plan, and I’m doing just fine. What’s the big deal?

A: How do you know your business is doing “fine” if you do not have a business plan? This is like a runner stating that he is “fast” when asked his running pace. Quality and success cannot be measured without having benchmarks and goals. A business plan provides both, allowing you to compare your outcomes to your goals. Without a plan, it is all too easy to keep moving the bar for yourself.

In the words of Alan Lakein, “Failing to plan is planning to fail.” Business owners may neglect planning for a variety of reasons. They may dislike making decisions, or they may worry about how the plan will reflect their success. An owner may feel anxious about documenting (and making “official”) job descriptions, lines of authority, budgets, and marketing plans. An entrepreneur may dread such control measures, feeling that a business plan is just like having a boss! If you build a house without a plan, however, you may find yourself living in what looks like a child’s play fort. Every stage is based on a sudden inspiration, and your new home becomes “curiosity run wild.” A quality architect begins with his or her final product in mind. To build a secure business, you must plan.

According to the Small Business Center at Bradley University, 70 to 80 percent of new businesses fail in their first year, and of those that continue past a year, only half survive to five years. Similarly, statistics from Dun & Bradstreet reflect that only 37 percent of businesses with fewer than 20 employees will survive four years, and only 9 percent will survive ten years. In light of such daunting statistics, it seems foolish to take unnecessary risks – like failing to plan.

You may still be thinking, “I can’t make a plan, because things change too quickly.” Although constant change is inevitable in any business, a good plan can be your key to dealing with change. As a sailor, I view a business plan as similar to a centerboard on a small sailboat. Thanks to its centerboard, the boat can continue moving forward, as the winds shift direction; without its centerboard, the boat would flail around and eventually crash. A good plan keeps you consistently moving forward – sometimes slowly, sometimes quickly, but without crashing!

While writing your business plan, you may feel frustrated. After all, you will be writing your goals, without taking immediate action to reach them. You must understand where you are and where you are going, before going anywhere. Writing a plan can be exhausting, too. I guarantee, however, your listless feelings will disappear, as your business transforms from “doing just fine” to “doing very well.”

I hope my response to your question is sufficient and gives you an understanding of why I believe a business plan is critical. Below are some questions to consider while developing your plan:

• Why do I want to start my own business?

• Have I found the right business for me?

• Who are my customers?

• What do these customers need that the market is not currently providing?

• How will I reach them?

• What will it take to reach them?

• How much will it cost to provide for their unmet needs?

• How much are they willing to pay to meet these need?

• Can I make money at this business?

Work and mental problems a potentially dangerous mix

Work is bad for a person's mental health. Okay, that may not be necessarily true. However, there are certain situations and events in the workplace that can stress a person's mental health. These events can get even worse when the employee in question is already suffering from some sort of mental illness. It is not entirely uncommon for people with mild psychological disorders to hide their illness. This is because of the fear and anxiety they feel because of the possibility they might lose their job because of their problem. Mental health issues also tend to be misconceived as being easy to spot. This results in employers who ignore the subtle signs that their secretary has an anxiety disorder, or that the guy that works late on Fridays has dissociative identity disorder.

The core problem here lies in the misconceptions people have about mental health. Most people view having good mental health as being outgoing and being a good worker. The perception also includes traits like being socially extroverted and having good morale. However, these qualities may be present can also be present in someone who has a mental health condition. The popular misconception that those with compromised mental health are serial killers and psychopaths causes most people to simply go into denial that some of their employees have a problem. This denial may even extend to the employee in question, rendering him incapable of recognizing the problem and seeking appropriate treatment.

Another problem lies in the fact that people tend to think the problem will just “go away.” The common idea among employers and employees is that a problem with mental health will fade in time. However, mental illnesses are long-term problems that require treatment. They are not mood swings or emotional phases that will eventually give way to the person's normal state of mind. This misconception can result in someone's damaged mental health being effectively ignored for prolonged periods. This may result in the problem getting worse and affecting the person's ability to work properly. In such cases, termination is prescribed to deal with the problem, rather than helping the employee get proper treatment.

The negative stigma of having a mental health disorder also makes it difficult for employees to admit to having them. Even if the employee is of such skill that she is irreplaceable, most companies would rather release her than continue to employ a “risk.” The desire to hold on to a job can result in much more than simply hiding one's mental condition. For some cases, the fear and anxiety of losing a job can force them to attempt to ignore their problem or suppress it. Often, these situations end badly, with the problem simply getting worse over time. In some extreme cases, this sort of behavior has been linked to workplace violence. The links are not definitive, but the argument does carry some merit.

It does not help that most companies and bosses simply do not have the procedures in place to handle a worker that has some minor mental issues. Most companies will refuse to hire someone who is taking medication for a disorder or has had a history of mental illness. Bosses will either ignore the signs or will be unable to actually interpret them for what they are. Employees tend to actively deny that they have a problem, for fear of being terminated. These problems will continue until the negative stigma on mental illness is lifted and companies are better equipped to deal with these issues.

Most successful financial strategies

In one’s quest to be a successful person, work ethic and perseverance is the traditional key to reach our dreams. Since we started learning that hard work pays off, we come to think that each step of activity will get us where we want to be. However, for people who want to be self-made millionaires, they know that a lot more is at stake.

In a changing financial mindset, self-made millionaire Jamie McIntyre believes that hard work is not enough. The truth is, if hard work is the end of it all then there should be more successful people. After all, can we actually say to ourselves that we have outworked everyone? Even when we worked at our utmost capacity, we know that someone can still outwork us. Thus, when it comes to adapting a millionaire’s mindset, hard work does not hold much water.

This is the value of a successful financial strategy. Along with a changing mindset, financial strategies are a reflection of smart work. As Jamie McIntyre said, “working hard and making money have nothing to do with each other in the 21st century.” Hard work can surely take you places. However, if you want to make money, you have to care more than “working hard.”

Let us take the example of Jamie McIntrye’s father. As a farmer, his father is now a prosperous and financially independent person at his age. Learning from Jamie’s grandfather, his father believed that hard work is the key to success. Even when he became rich he still believed in that. However, hard work is just an integral part of being rich. His father instead found a way to create wealth by buying land at a low price and waited to increase its value over a period of time. All the while, his wealth is created even while sleeping. Where is the hard work in that? Finding a successful strategy is more about intuition and changing perception. Sometimes hard work even blinds us to a point that we stop thinking and that is when things can get frisky. If you want to develop a successful financial strategy, start thinking.

Another well driven financial strategy is finding the opportunities in risks. As you can imagine, these strategies are not your normal laundry methods where you wash, dry, and repeat. Finding the best opportunities involves having the heart and the focus to make tough decisions despite the overwhelming forces that can stop you from acting on your instinct.

Jamie McIntyre continues his family story in driving this point. His mother always wanted a coffee shop that she could own for herself. Seeing the opportunity, her mother bought a coffee shop business. However, when the seller also offered the building where the coffee shop is located, she did not buy it since that would mean borrowing the needed money to finance the purchase of the building.

As the years go by, she struggled to manage her coffee shop to a point that she did not pay herself a salary. What more, she struggled to pay the rent of the building that could have been hers. In the end all her hard work in what seems to be a promising business, turned into more hard work. The spiral continues.

In this example, Jamie McIntyre tells us that if we are presented with an opportunity, it is not enough to think hard. Thinking hard involves being too hesitant while losing the will to act. Meanwhile, thinking smart will allow us to see the opportunities before the hindrances speak to us. Jamie explained that if her mother made the right move and bought the building, she could have been presented with more successful options.

Successful financial strategies come from an evolving financial mindset and the gut to act on your financial instinct. Thus, the biggest return does not come from hard work. Instead, it comes from unlocking keys of wealth creation by working smartly.

Indoor tanning beds

Indoor tanning beds are used for artificially tanning the skin. Limited exposure to sunlight makes the skin healthy because it absorbs vitamin D from UV rays. However exposure to sunlight for a long period increases the danger of sunburn. Tanning is useful in avoiding sunburn as it is your body’s natural way to protect against it.

Tanning bed types:

Indoor tanning beds come in a variety of prices and designs. You should choose the one suitable for your skin type. Tanning beds use bulbs for providing UV rays. The intensity of the bulbs can be altered according to your need.

Indoor tanning using tanning beds is the way to get a moderate tanning from which you can get maximum benefits. Tanning beds provide a way to moderate tanning because you can control the amount of UV light. That kind of control is not possible outdoors because the intensity of light depends on a lot of factors such as season, time of day, reflective surface, altitude etc. Indoor tanning beds can be regulated to act differently on different type of skin providing the maximum benefit of tanning.

Too much exposure to UV radiation can be harmful and UVB rays can cause sunburn which in turn can cause skin cancer. It is therefore advisable to use professional tanning facilities and approved and tested tanning beds.

In tanning saloons tanning sessions are done by schedules present on the equipment. The tanning bed takes into account the type of skin and intensity of light which minimizes the risk of sunburn.

Benefits of Indoor Tanning beds:

Indoor tanning beds can help in...

1. Tanning your skin which minimizes the risk of sunburn.

2. Maximizing the benefits of getting a tan that best suits your type of skin.

Moderate sun exposure is the best way to maximize the potential benefits of being in sun light.

It also advisable to also use tanning beds in moderation, making sure that there is professional and knowledgeable staff that will be able to advise you on the best way to use a tanning bed.

The advise given here is for home use as well as use in a tanning saloon.

The macro and micro worlds of thea alexander

Thea Alexander wrote a book called 2150 AD, originally published in 1976. She describes a fascinating world that includes two parts consisting of the Macro World and the Micro World.

In the Macro world there was harmony, cooperation, and everyone respected everyone else and did their best to be good and kind to each other. In contrast, the micro world was smaller and isolated from the macro world. It was ruled by oppression, mind control tactics and keeping the public in ignorance of current events.

Nothing in our modern world completely bears resemblance to the Macro world but it is easy to see how the Chinese Communist Party and other repressive regimes are accurate reflections of the rulers of the micro world.

In China, the news is censored and controlled by the Chinese Communist Party. To make sure that everything and everyone stays in line, there is an extensive system of 'forced re-education through labor' camps. One might question how one is 're-educated' through forced labor. Such a phrase would seem the height of oxymoronic prose.

Perhaps a more appropriate term would be, "mind control through forced labor". It is interesting to note that a person can be sent to a forced labor camp for up to three years without a court conviction or court order in China. Not that it would matter much, the judiciary in China is dictated to by the Chinese Communist Party. In such a system, justice is scarce.

Much like the Micro world in Thea Alexander's book, if you were to ask the average Chinese person if they lived in a repressive society, they most likely would say,"no". Some might say so because they fully believe the CCP's propaganda which is broadcast everywhere. Most might say so out of total fear. To say anything against the Chinese Communist Party is risking arrest, torture, forced labor and possibly death.

That is similar to how the Micro world leaders maintained absolute control in Thea's book. That is how the Chinese Communist Party does it in the real world, today. There are many groups and individuals persecuted by the Chinese Communist Party. A a recent web search for "persecution in China' yielded 2,150,000 results.

The Clearwisdom website does a good job of documenting the abuses of the Chinese Communist Party against Falun Gong practitioners. The Falun Gong practitioners are peaceful and non-violent. They simply wish to meditate and believe in Truthfulness, Compassion and Tolerance. Yet the irrational need to control what people think in the confines of their own minds seems to have always been a priority for the Chinese Communist Party.

The Macro world was a world of beauty, harmony, peace and cooperation. The Micro world was a world of control and oppression with inhabitants that either did not realize, tried to forget or would not dare to speak the truth for fear of their lives and worse. Which type of world would you rather live in and support?

Discount travel techniques that anyone can employ

Almost everyone would love to be able to see more of the world, and traveling is one of the most culturally broadening activities we can undergo. Most people, however, can't travel nearly as much as they like, due to the costs involved. To this day, regular travel remains something that is fairly excusive to the well-off. It needn't be this way, however: there are discount travel techniques that anyone can employ that can make traveling both more affordable and in many cases more enjoyable.

One of the most fundamental concepts to discount travel is flexibility. The more rigid you are in what you want to do and when you want to do it, the more you are going to pay. Simply being flexible about the dates you are willing to travel can save you a bundle in airfare costs. Even better is if you can be open to traveling in many different places. If you decide, for example, that you're willing to go anywhere in South America, as opposed to a particular place in South America, you'll be able to take advantage of cheap fares and save a fortune. Almost anyone who is a master of the art of discount travel will be extremely flexible and more interested in the idea of travel itself, as opposed to a particular vacation at a particular time. And in most cases, when you meet people who don't seem to make much money but travel all the time, this is the attitude they have.

The concept of flexibility shouldn't end when you arrive at your destination, however. The true discount traveler arrives with an extremely open itinerary that allows him or her to take advantage of many different opportunities. The true discount traveler understands that any new experience will be more or less equally worthwhile than any other, so if they're looking at two similar outings to different places, they'll take the cheaper one knowing that it will probably be just as interesting as the more expensive choice.

A discount traveler knows that every rigid spot in an itinerary will end up costing him or her. If you decide that you absolutely must go to a particular place at a particular time, you leave yourself at the mercy of travel agents and tour guides, and put yourself in a position where you have to pay whatever it costs.

This idea of being open should also extend into your eating habits and entertainment choices. In many countries certain foods will be radically cheaper than others, so why not try them? Drink works the same way: if you're traveling in Mexico, say, tequila will be ridiculously cheap - so even if it's not your preferred choice, if you're willing to drink tequila when you drink, you're going to save a bundle.

By being flexible like this you will not only save yourself a lot of money, but likely have a more culturally immersive traveling experience - one that will stay with you a lot longer then a highly organized "tour."

Best man wedding speech tips

Delivering a perfect best man wedding speech is a challenging responsibility for many men. While developing such a Best Man's Speech, one of the main dilemmas many "Best Men" face is to decide on whether to crack everyone up or to keep it safe and serious. There are many people who are not good in public speaking and doing so make them nervous. And if such people were asked to be the best man or the maid of honor at the wedding, he/she may panic. But is it such as a big job to deliver a speech to the public. No! You can also deliver a great speech, you are fearing as you haven’t tried to deliver one before. What you need to do to give a good speech at the wedding is some preparation and be aware of the subject you are going to talk about. If you are well aware of the topic you can easily give a great wedding speech – here “best man wedding speech” – and keep the interest of your audience.

This article tries to help you in this regard and here are few tips that could aid one to prepare a best man wedding speech.

· Prepare yourself about what you are going to say. Take your time to think about what you want others to know about the groom and the bride, and what you wish them for their future.

· It is always a good idea to write it out (it is not necessary for you to carry the written point to the wedding, but writing is always appreciated as it will help you to remember and note the points once more)

· Identify yourself and your relationship with the groom and bride. This is quite important as everyone will not be aware of who you are.

· Speak clearly, slowly, and loud enough that everyone need to hear what you are speaking.

· Start your speech by thanking the parents of groom and bride if they have paid for the event. If the groom and bride are footing the bill themselves, don’t forget to thank them for organizing such an event and inviting everyone to share the occasion.

· It is also a good idea to tell a story, funny one-liner or a joke, or use an inspirational quote.

· Let your guard down. It is ok to show your emotions. This is one of your good friends wedding, if not your best friends. It is even ok to cry or becoming emotional.

· Keep you best man wedding speech short, to say 5 to 10 minutes.

· Finally, end the speech with a message of hope and congratulate the proud groom and blushing bride.

Nowadays there are several websites which offers free best man speech with good examples of wedding speeches given by a friend or a relative, and of course you will find humorous free speeches also. Most websites also offer some of the classic short wedding toasts, touching wedding toasts, and humorous wedding toasts you can find if you look around a bit.

Home equity loan pitfalls

:
The home equity loan came of age in 1996 when changes in the tax law eliminated deductions for the interest on most consumer purchases. Interest paid on home equity loans, however, remained exempt, up to $100,000 for taxpayers filing jointly.

The two main types of home equity loans are fixed-rate loans and variable-rate lines of credit (called HELOCs). The terms for both range from five to 15 years. With fixed-rate loans, the monthly principal and interest stay the same. Adjustable-rate loans usually start at a lower interest rate—meaning a lower monthly payment—but can climb to a predetermined cap based on market conditions.

Most banks and mortgage companies are happy to make home equity loans because the loan is secured by a tangible asset that can be seized and sold to satisfy the debt if necessary, which minimizes their risk. But the ease with which homeowners can cash out their equity—sometimes up to 125% of the value of the home—brings with it certain pitfalls.

Reloading
Home equity loans are appealing to people who have fallen into a downward spiral of spending and borrowing. The cycle of getting a loan to pay off debt and free up credit that is then use to make additional purchases is called “reloading.”

Reloading leads to accelerated borrowing that can result in homeowners getting upside down on their home loans, e. g. owing more than the home is worth. The loan is no longer fully secured by collateral and if the borrower’s income goes down or the home’s market value plummets, the owner could face foreclosure or bankruptcy.

People who consolidate their credit card bills or car loans into a home equity loan are transferring unsecured debt to secured debt and putting their home in jeopardy.

Home Equity Scams
Another pitfall is predatory scammers. The Federal Trade Commission warns about, “Unscrupulous lenders (who) target older or low-income homeowners and those with credit problems. These lenders may offer loans based on the equity in your home, not on your ability to repay.”

Avoid lenders who tell you to falsify information on the application, e. g. saying your income is higher than it is to qualify for the loan.

Avoid lenders who don’t provide the required loan disclosures or who tell you not to read them; or those who won’t give you copies of the documents they want you to sign.

Avoid lenders who promise one set of terms when you apply, and give you another set of terms to sign; or who ask you to sign blank forms, saying they'll fill in the blanks later.

Don’t let anyone pressure you into using your home as collateral to borrow money you may not be able to repay. If you can't make the payments, you could lose your home.

On the Plus Side
A home equity loan does have some pluses. Compared to other forms of borrowing, it is easier to get, comes at a lower interest rate, and has tax advantages that other loans don’t. It can help borrowers clear up outstanding bills while leaving them with a single monthly payment at a lower rate of interest. True, this doesn’t reduce debt, but it can restructure it in beneficial ways.

Many websites like homeequitydebtconsolidation. com offer helpful information and a free quote. It doesn’t hurt to see how much you might be qualified to borrow; just make sure you weigh the pros and cons before signing anything.

A good leader knows the team s colours

Leadership can be a very challenging task. As leaders we don’t always get to choose who is on our team. In fact very often a leader inherits a team, of which most of the members have been there far longer than the leader, and may even know more about the work than the leader. Whatever the situation, one of the responsibilities of a leader is to motivate the team to all work together towards the common goal. This can be a daunting challenge. So often the team is comprised of very diverse members, each with their own strengths, weaknesses, and work styles. The team dynamics are also often complicated by internal disagreements and personal conflicts. The leader, not only has work with this group of people, but also needs to achieve the results expected by their superiors.

Leaders can greatly benefit by being able to identify the types of personality characteristics of team members. By understanding the basic personality types, the leader can use individual strengths of members for the good of the team, as well as assign tasks that individual team member’s naturally excel in. A leader can also learn to communicate in a way that is motivating, by taking into account the needs, values and working preferences of different team members.

A good leader will see the greatest results by working and utilizing the strengths and working style characteristics of the personalities on the team. By correctly positioning the individual member strengths and compensating for weaknesses, the leader can bring the team into a productive balance and harmony.

A brief overview of the different values and working styles of the four main personality types demonstrates the importance of this knowledge being part of the successful leadership toolbox. The four types of personality will be described using the colours Gold, Blue, Green and Orange.

The strong Gold employee takes work and responsibility very seriously. Gold personalities want to contribute, be part of the team, and to be successful and productive. They respond well to recognition, rewards and incentives. However Gold team members need well defined responsibilities and structure, firm expectations and timelines as well as being reassured from authority that they are on the right track.

The strong Blue personality needs an open, social atmosphere to be able work well. Relationships are very important for them, and they need the freedom to be able to nurture relationships with coworkers, customers and employers.. Conflict and intense competition are painful for a strong Blue, but they will thrive in a positive, creative, service orientated atmosphere.

A strong Green personality is more noted for expertise rather than people skills. They are excellent working with facts, data, research and analytical projects. Greens shine in their ability for designing, understanding complex systems and strategy. Facts are of utmost importance for the Green, but they have a weakness for routine follow through and are somewhat insensitive in social interactions.

Orange team members are noticeable by their energy, skill and creativity. A key factor for an Orange is the freedom to be able to use their skills and abilities. If there is too much structure, or their boss is very authoritarian, the orange personality feels blocked and does not function well. Orange personalities like people and work well in a spirit of teamwork, competition and camaraderie. They are action orientated, though and become impatient with prolonged talking and detailed administrative tasks.

A leader, by knowing the colours of his team, can use this knowledge to blend the team members into a unified, well coordinated picture poised for success. By facilitating each team member to function in their areas of natural strength and motivating them by communicating in a way that inspires harmony and team work, the leader is well on the way to achieving extraordinary results.

Tips on buying warranty for used cars

Used car buyers need to get their money’s worth as soon as their purchase has been confirmed. New or not, cars should have warranties. It is a right, not a privilege.

The following are tips to better your chances of getting the best warranty for your money. Know what you are buying

Some people who avail themselves of auto warranty coverage usually have a notion that they are purchasing a special shield that protects their vehicle from unnecessary wear and tear. Though this is true, this idea is primarily bound to a contract that the buyer should read prior to signing anything. There are instances when consumers buy a used car then expect the warranty company to get their cars back in shape for them. Buyers then unnecessarily file a complaint and get angry once their request is denied simply because their understanding of the conditions that constitute the warranty differs from what the warranty company has explicitly stated on their contract. It is advisable therefore to read in order to avoid uncalled for weeping.

See through the “lies.”

Do not believe when auto warranty companies claim that their warranty can not be refunded. One hundred percent of extended car warranties are refundable within thirty days provided no claims have been made. If in any instance you feel that you were in some way forced to purchase or getl a Ford, Hyundai or Honda warranty that you didn’t want, do not hesitate to get your money back.

Sift through their trashing

If a warranty company has a good enough standing, it does not need to trash the competition or badmouth the other company’s warranty contract. You need to see them point out their own warranty company merits, offers and packages and not the competitor’s “worthless” clauses in order to make a sale. Though it is a competitive world out there, the only way to stand out is to offer excellent and ethical service. In this case, action speaks louder than words.

Avoid buying auto warranty from you dealer

Though it is extremely convenient to do so, the effects are short-term. The price car dealers’ offer for extended auto warranty, believe it or not, is usually two to three times higher than the normal rate. Plus, their contracts have far too many limitations and unfair clauses that buying warranties from first-rate warranty companies that provide better service for half the price, is a clearer and – should be - the only option.

Is nail fungus contagious

Nail fungus and toenail fungus is common amongst men and women. A nail fungus can affect the appearance of toenails, making them unsightly. Once the toenail fungus takes hold, the fungus is kept in place by the nail plate, making it very difficult to get rid of. Nail fungus is the most common cause of discolored, thick, and deformed toenails.

Nail fungus is made up of tiny organisms that can infect fingernails and toenails. Despite the commonly used term "fungal toenails", onychomycosis describes both fungus and yeast infections in the nail. Now the next question is of course, is nail fungus contagious? The answer is YES! So, if you have nail fungus of any kind, refrain from sharing things like nail clippers, towels and other hygiene related items with anyone else in your family. Ensure that proper hygiene is maintained till your nail fungus is truly cured. My daughter ended up getting fungus in one of his toenail while accidentally using my nail clipper!

Nowadays, there are many non-toxic all natural formula helps eliminate toenail fungus or fingernal fungus while the nail grows. One of its most popular uses nowadays is to treat nail fungus, whether it be on the fingernails or toenails.

Treatments

Some people who have not had success with traditional treatments have turned to herbal or home remedies to treat toenail fungus. But you can treat yellow nails and other symptoms by applying a toenail fungus treatment such as Mycocide NS. To cure toe nail fungus, use this natural toenail fungus remedy. It is best to treat toenail fungus or nail fungus from the inside out.

Sporanox is also another very popular remedy for treating nail fungus. Before SPORANOX became available, many doctors did not treat toenail fungus because available therapies were not as effective. Fortunately for all of us now, nail fungus can be treated quite effectively.

However, unfortunately, toenail fungus is difficult to treat because your feet are warm, in a dark environment and moist. So, always ensure that your feet are always dry by ensuring your shoes are not damp on the inside! One easy method, sun them. This works amazingly well as the sun rays will not only help dry your shoes well, but will prevent any fungus from growing in them too!

Penny stocks

Penny stocks are usually not listed at the major stock exchanges like the New York Stock Exchange (NYSE) or the NASDAQ because they don't meet the listing requirements. Listed stocks must have a minimum number of shareholders, minimum assets and file financial reports regularly. They are also under the strong supervision of the SEC, the Securities and Exchange Commission.

Penny stocks are usually traded on the OTCBB or on the Pink Sheets. The OTCBB (OTC Bulletin Board) is an electronic quotation system for over-the-counter securities that are not listed with one of the national stock exchanges. The only requirement is that the companies file financial reports to the SEC. If not, the company is removed from the OTCBB listing and the stock can only be quoted on the Pink Sheets. The Pink Sheets activities are not supervised or regulated by the SEC.

If the company has less than $10 million in total assets or less than 500 shareholders in total then no filings must be done at all.

Penny stocks are for these reasons wide open to scams and manipulation. The stock price is usually far below $5 and market capitalization is very small as the companies itself are very small. The lack of reporting requirements can make it difficult to find verified information about the company, its financial situation and outlook.

Many fraudsters take advantage of this and publish misleading information to manipulate the stock price. Because of the lack of public interest and low number of shareholders the trading volume is generally low. This means that a few buy or sell orders can have dramatic effect on the share price.

The low liquidity is at the same time the biggest advantage of penny or micro-cap stocks. While a listed stock can almost never move several hundred percent within a few days, a penny stock can do that easily. The low share price makes it possible to acquire a big amount of shares with a small amount of money. Little price increases or decreases have therefore big impact on the performance.

The low stock prices and limited capital requirements often attract novice traders but penny stocks are definitely a playing field for experienced investors only. Penny stocks are high risk investments. Many companies won't probably succeed and go bankrupt. The shares will end up worthless.

Many penny stock companies have no or very limited working capital, assets or are in development stage for months or years before any revenues can be expected. Be aware that you probably can't sell your shares for days or weeks or only at a big discount because of the limited liquidity.

Our grandfather clock

Time waits for no man … or woman. The grandfather clock in my parent's house stood in the corner of the dining room from the time of their marriage. This antique clock was a bargain at the purchase price of Ј5 at an auction when they first set up home and nearly 60 years later the grandfather clock is still a much loved part of the family. When they bought it, it was a pile of pieces on the floor of the auction house but my father did some clock repair on it and managed to get it working. I remember using the gap behind the grandfather clock for hide and seek (until I grew too big) and hiding my grandmother's handbag in the case so she couldn't go home one day! The gentle tick tock has been a comfort on many occasions, particularly on sleepless nights, the unmistakable grandfather clock chime letting me know the time without having to disturb anyone else. Children and grandchildren have all peeked inside to watch the pendulum swing or to watch Grandad going through the ceremony of winding the weights up each week at precisely 7.25 am on a Sunday. This was the only time in the morning he could fit the key into both the keyholes on the face because only then were the grandfather clock hands in the right place!

The grandfather clock has had its moments though! The mechanism has become temperamental with age and has undergone clock repair a number of times. When my parents moved 20 years' ago, the grandfather clock went with them and they decided to have it cleaned and refurbished. The specialist who came to see it was intrigued because the case was a 'modern' one (remember this is an antique clock and probably means early 20th century). He was interested enough to take a photograph of the movement and send it to the British Museum. The response from the British Museum was a real surprise. Our much loved grandfather clock really wasn't a grandfather clock at all! It had started off life as a wall clock, but it must have been a very large one.

The maker of our grandfather clock was a Dutchman called A. Fromanteel although we are not sure which one, the father Ahasuerus who came to England in 1620 and developed the pendulum clock in 1658 or Abraham, it certainly has a much finer pedigree than we do! From very scanty research on the internet we have found out that the Fromanteel family were innovators and were the first to produce a clock that was accurate and not affected by the weather. Each clock that they built had some new feature on it. Our own grandfather clock has a pillar movement although I know that the date feature no longer works.

Has this information made a difference to us? No. To us it is still the grandfather clock of our childhood, a comforting reminder of happy memories and life and time moving on.

Getting started in the direct sales industry

I remember when I went to my first home party several years ago. Watching the rep demonstrate her products really impressed me and all I could think to myself was "I could never stand up in front of people and do that". Years later I did take the leap! I joined a company that had products that I used and believed in. I would like to share some tips with you to get started. This is not an article about how to book parties and recruit. Those are tips that you should naturally pick up as you go through your training and network with others in your business. What I do hope to show you is how to choose the right company and overcome any initial reservations you have about going into business for yourself.

First, do you have a company in mind? While it is important to join a company that pays a decent commission you want to make sure that you are passionate about the products. Think about what you enjoy and go from there. For me I chose a home party plan that offered home decor because decorating my home is something that I have always enjoyed. I also went to many home parties and enjoyed the decorating tips and presentations. Think about what you enjoy and most likely you will find a direct sales company in that niche. You will find direct sales companies that offer anything from home decor to gourmet food to jewelry and so much more. Check out the many work at home sites that are geared toward women and you will find several. Just go to google and type in "wahm" in the google search box and you will find listings of several great work at home sites with information on a variety of companies.

Once you have decided on your niche then it is time to decide on a company. If you were to chose home decor like I did you will most likely find several companies that specialize in that niche so how do you choose? There are many advantages to being one of the first reps with a new company but on the other hand you might feel more comfortable joining an established company. If you want to join an establlished company visit dsa. org and check to see if the company that you are thinking about is listed with the direct selling association.

Did you find a company that you are interested in joining? Go ahead and ask for information but let the potential sponsor know that you are looking at different companies. Be sure to inquire about what fees will be involved to join. We have all heard that if anyone asks you for money up front then it must be a scam right? While there are scams out there that you need to be aware of, you also need to realize that in direct sales you are working for yourself and there will be costs involved in running your own business. These costs could include the initial cost of your kit, product catalogs, sales supplies, etc. Some companies may offer a better commission but the cost of supplies may be higher.

Another thing to keep in mind is that even if you do find a company that you are interested in you want to make sure that you can work with your potential sponsor. Just like when you shopped around different companies it is also acceptable to talk to different reps within one company and find someone that you can work with. It doesn't necessarily have to be the rep with the most experieince. What is important is to find someone who knows the policies of the company and is enthusiastic about helping you. Ask her what kind of training she provides and about various online groups that you can join for support.

Next you will have to decide just who you would like to work with. With some companies you are allowed to join under anyone you please while others prefer you join with someone local. The advantages of working with someone locally is that you can train with her in person and maybe even do local events together. On the other hand you may find that you really click with someone that you met from another state. Either way you will want to see if there is local training in your area. If not you should be able to learn what you need through the training materials in your kit as well as through your sponsor.

So now you have picked your company, gone through the training, booked some parties (usually starting with friends and famiily) and you are ready to get started! While you may be nervous keep this in mind: The more that you know about and believe in your product the easier it is to talk about and sell. Practice your demonstration at home in front of your spouse or even in front of a mirror if you need to.. If you are worried that you are going to forget something then go ahead and write down key notes on business cards. And what if you do make a few mistakes in your presentation? Don't worry! It happens to even the most experienced so just laugh it off and go on and have a great time!

Baby gates flexibility and warning

Baby gates keep your babies and toddlers safe.

But remember that they are not the only ones who will be using the baby gate. Older children as well as parents in the house will at some point need to pass these gates. That is why it is very important that you get a gate that is easy to open and close firmly. Do your best not to step over the gate, particularly when the youngster being protected is watching. You don't want the child to learn a bad habit.

Flexible Baby Gates.

When thinking of baby gates we usually imagine wood or metal barriers. Not all safety barriers are made out of these materials. Some are made from Plexiglas or high-strength fabrics. As an example, the Kiddy Guard safety barrier protects children up to the age of two.

Baby Gates can be used in doorways and stairways, and normally expands up to 51 inches. The Kiddy Guard fits inside a doorframe or between two walls and is retractable when not in use, making it quite a flexible barrier.

The hardware-mounted gates are attached with screws to walls and banisters. These gates typically open and close much like a door. This makes them more suitable for areas you'll be walking through frequently. They can be mounted between two walls, two banisters or a banister and a wall. Hardware-mounted gates are intended to be installed into a solid wood surface. If your doorway or opening is already framed in wood you can install the gate without any preparation. If not, you’ll have to install a Gate Mounting Kit, obtainable where you buy baby gates.

Baby Gate Warning.

When looking for the right baby gate, it's vital to remember than some gates themselves are dangerous. As an example, accordion-style baby gates with large V-shaped openings along the top edge and diamond-shaped openings between the slats are a strangulation risk. Children who have tried crawling through these gates have died when their heads got trapped in the V-shaped or diamond-shaped openings. The hazardous accordion-style baby gates have not been sold since 1985, though you may still find them at yard sales or in thrift stores, so be alert!

Benefits of pilates

Pilates is one of the most rewarding types of exercise because it encompasses stretch, strength and improves flexibility in the safest way while avoiding injury.

Pilates started as a way of rehabilitating athletes and dancers but is now used by millions of people across the globe because it is one of the safest forms of exercise.

Forget going for a run, pounding on pavement with the potential risk of getting shin splints, a knee injury or worse, falling and getting an even more severe injury. Pilates is one of the safest exercise systems in existence. The only equipment used is a floor mat. But for more advanced pilates exercise enthusiasts, other equipment can be added to simple routines. Nevertheless, once you begin this solid workout regimen, you will begin to notice healthy improvements in your body.

Regardless of whether you are 20 or 60 years of age, Pilates can work for anyone – male or female, old or young. No matter what condition you’re in, the health and fitness benefits are endless. Pilates improves flexibility, core strength and range of motion. It is also known to help alleviate chronic health ailments as well as fight back pain.

But the best part about Pilates is it’s fun!

It’s an exercise that bonds the mind and body allowing them to work together to establish balance. But the biggest benefit is Pilates improves overall body alignment, making it less prone to injury.

Here are some more benefits of Pilates:

• Improves breathing

• Corrects spinal and pelvic alignment through the concentration of slow, flowing, smooth movements with maximum power.

• Builds long, lean muscles that are less prone to injury, while building strength - without the bulk.

• Improves flexibility and range of motion.

• Improves back and abdominal strength.

• Creates balance between muscles - as weak muscles become stronger and the strong muscles also gain more strength never over training or under training any particular muscle group. This balance makes it easier to enjoy daily activities with less risk of injury. Pilates allows you to retrain your body to move in smoother safer, more efficient patterns of motion, which is essential in optimal performance and overall health.

• There is no pounding or bouncing in Pilates. It is the safest form of exercise. This is why it began as a rehabilitation exercise system for sports athletes and dancers. It is an intense exercise system working all muscle groups but still sustaining and improving overall balance.

If you are looking for a fitness routine that’s safe and easy to do - and that doesn’t involve a lot of heavy equipment, Pilates is an excellent choice. But best of all, with the popularity of this system, it can be performed in the comfort of your own home! Many videos and DVD’s are available for rent at your local video store as well as for sale at your local supermarket.

Need the right exercise system? Pilates may be just the right thing for you. Fun, easy and relaxing exercise that strengthens and restores flexibility… Doesn’t get much better than this!

Deck railing plans - visual appeal of buildings

The articles gives you ideas of increasing the visual appeal of your building by judicious use of various material and colors used in deck railing plans at various levels in such a way so as to compliments the color scheme of your building.

Materials Make Or Mar Deck railing Plans

The materials that you use for your decking materials, will ultimately decide if your decking plans are usable, doable and above all, useful to you or not. For example if you use a wooden railing where lot of water is being used (in garden, lawns and or near the swimming pool etc.), the wood can disintegrate over a period of time due water splashing on the wood. On the other hand, if you use PVC on a sun bathed patio, the PVC would start cracking after 2 or 3 years and you might have to replace it completely.

Choose Materials For Decking Railing Plans Carefully

Consider the following when you chose material for deck and railings.

• The intended purpose of the deck

• Frequency of use

• Other possible uses of the deck

• Surrounding areas and its general use

• Safety considerations

• Use of water on the deck or the surrounding area

• Possibility of skidding or slipping due to use of water

• Material used for decks

The material to be used have to be made long lasting so does not repeated expenditures on this count. The manufacturers of various materials have started giving guarantees for their materials for nearly 20 years now. This shows the confidence they have behind the product.

Your railing plans contribute to the looks of your building by color schemes employed for the railings. Materials as the wood, PVC, aluminum, in combinations are being used for the decking railings.

Use Of Software Previewing Looks Of Railings

Computer software may also be used for looking at your future looks of your building after fitting the various components of deck railings like the posts, balustrades and other parts of the railing such as light fittings and decorative fittings. The color combinations of various components can be seen on the software and complete effect on the building can be seen by the user before the person’s eyes and changed before the final decision can be made.

Stop work be more productive and kill computer related stress

Sorry, computer related stress (CRI) will eventually harm you if you insist on slaving away non-stop at a computer for hours without a break. To make sure you can be more productive long term, you MUST pace yourself.

- For starters, you need to take a five or ten minute break from working about once every hour. Exercise, take a rest, or do something enjoyable during the break. Try and forget about the work you have been doing; fretting only contributes to muscle and mental strain.

- Massaging your hands and forearms several times a day will improve circulation. You should also massage your neck muscles to relieve the tension of keeping your head in one position for any length of time.

Work downwards from your head to your shoulders, pressing more firmly as you go on. You may want to rub in a small amount of good-quality hand cream or massage oil, as this will stop your skin becoming dry and sore.

- Try to work in a reasonably warm place. Your muscles must work harder if they become chilled, and are more likely to feel strain easily. Also, your hands will ache and feel weak after working too long in a cold or draughty spot.

- Do a few easy stress relieving exercises. Buy a stress ball - a huge variety are available off the Internet. Slowly squeeze the ball with your hand ten to fifteen times. Do this exercise frequently, as often as once every hour if you need to do a lot of computer work.

Another good stress releieving exercise is to slowly spread your hands out, making your fingers spread out as widely as they can. Then, slowly curl your fingers inwards until you make a loose fist. Relax then repeat this five times each hand.

Finally, let your arms dangle by your sides and gently shake them out a few seconds. This will help relieve muscle tension.

- While you are working, yawns every once in a while - with some jobs, this will come naturally! This will put more oxygen into your body because doing repetitive, non-active things causes your air (oxygen) intake to drop, lowering your energy level. During your breaks, 'charge up' on oxygen by breathing deeply and smoothly but DO NOT hyperventilate.

- Continual focussing at one distance (the screen) soon tires your eye muscles. So while you 're working, periodically look away from the screen every now and then and focus your eyes on varied distant objects. This will give your eyes a break from constantly focusing on one thing.

Don't be pressured! If anyone queries you easing off every now and then, show them this article and ask how they want you tomorrow - well and working or off with injury, seeing a doctor?

Healthy Computing 2006 and beyond!

How to learn business english effectively

Are you learning English for Business? Congratulations. Improving your language skills can be a great way to move into a better job or even get the job you've been dreaming of for a long time. But, have you asked yourself this very important question? Exactly what business are you studying for? This is a question many English language learners never really ask!

You see the language we use changes depending on the situation. The type of business, the work environment, and many other factors will influence the language used in one business from another. Of course some of the language and communication purpose stays the same, but a lot is different. This isn't really too hard to understand, but lets look at a simple example to really clarify what I'm talking about here.

Imagine two people who work for different companies in different industries. One works for yahoo. com as a programmer in the internet industry, and another works as a check-in attendant for British Airways in the airline transportation industry. Both require business English, but quite clearly the language the programmer uses to talk with "The Boss" will be very different from the language the check-in attendant uses.

You won't hear the programmer asking a client "Do you want an aisle or window seat?" very often. Nor will you find an airline attendant telling his or her supervisor that the latest sub-routine has a bug in it that is causing client's computers to crash. This just makes simple sense. The work you do, the place you work, and the people you work with will all affect the language that you use on a daily basis.

So, when you are studying English for business purposes, you need to remember a very important thing. You need to study the general business English that will be common in most business situations, but you also need to focus on the language that is specific to the business world that you will be working in.

Doing both of these is critical to your success. If you can’t use the language of your industry because you don’t really know it, you will have a very hard time getting (or keeping) a job.

What is cheap car insurance in salt lake city

Cheap Salt Lake City car insurance in Utah depends heavily on a number of factors. These factors can earn you discounts, or they could burden you with expensive auto insurance quotes.

As you hike through your journey to find cheap Salt Lake City car insurance, ask each auto insurance agent about the following discounts:

• Safe driver discounts: Many auto insurance companies like to reward safe drivers with discounts on their Salt Lake City car insurance policies. If your driving record is pretty impressive, as about any safe driver discounts that may be available.

• Vehicle safety features: Utah auto insurance companies love to know that you’re taking extra steps to protect yourself, your vehicle, and any passengers/other drivers that could be harmed in an accident. If you’re purchasing a new car in Salt Lake City, purchase one with great safety features. You can spruce up your existing vehicle with anti-lock brakes, anti-theft and alarm systems, and other such safety devices.

• New car discounts: As shocked as you may be, it’s true that some Utah car insurance companies offer discounts on Salt Lake City auto insurance policies if the vehicle is new. A new car has less mileage, newer parts, and safety equipment that older vehicles might not have.

• Multi-vehicle coverage: If you have two cars, it’s cheaper to have one Salt Lake City car insurance policy for both, rather than purchase two separate policies.

• Multi-line coverage: If your current homeowner’s insurance company also sells Salt Lake City auto insurance policies, purchase from them. Most insurance companies offer discounts to policyholders who purchase more than one kind of insurance policy from their company.

You can find cheap Salt Lake City car insurance in Utah if you get any of the above kinds of auto insurance discounts. Remember to ask the insurance agent of each company you’re considering about each discount. Just because a discount on Salt Lake City car insurance is available doesn’t mean the agent will remember to tell you.

A gamut of secured loans

Secured loans are the loan that is offered against a security. Security could be a home, other real estate, automobile, saving accounts or some other valuable objects. This security covers the risk factor that is attached to the loan amount. Lenders keep this security with them unless borrowers repay the loan amount.

With secured loans, one can borrow the amount ranging from ₤5,000-₤75000 along with a flexible repayment period, varied from 5-25 years. The main advantage of secured loans is its relatively low rate of interest. And for this reason, more and more people nowadays are applying for secured loans.

There are different sorts of secured loans according to their usage. But among them, some popular loans are as follows:

•Secured Debt-consolidation loans: It is especially for them who are facing debt difficulties. With these loans, they can combine all their debts into a single manageable debt that would be more convenient for them to repay. Besides, dealing with a single creditor, instead of various creditors is also an added benefit with these loans.

•Bad credit secured loans: It is true that bad credit history hinders one to avail any loan. To improve your credit score and come out of bad credit history, bad credit secured loans are the perfect choice for you.

•Secured Wedding Loans: For a wondering wedding, secured wedding loans are the best alternative that you can opt for. These loans cover all expanses related to wedding, such as, buying ring, dress, decoration, reception and so on.

•Secured holiday loans: Holidaying is mandatory to move out from mundane monotony. And loans are available to finance for a holiday. Secured holiday loans are used for funding in various travel related purposes, like - ticket booking, hotel bills, meals and other miscellaneous expenses.

•Secured business loans: These loans are mainly given for business purposes. It could be setting up a new business, business expansion, funding for various business related requirements, like purchasing materials, paying tax and many more.

•Secured Car loans: Car is no more a luxury. Nowadays, it has become a necessity. Secured car loans are specially meant for those people, who want to avail car loans that suit their needs.

Besides these loans, there are some other kinds of secured loans. Such as, secured home improvement loans, secured unemployment loans etc. However, the criteria to avail all secured loans remain same. Though, the rate of interest may vary according to loan amount, duration and worth of collateral.

You can get secured loans against your property. So, needless to say, borrow the amount that is convenient for you to pay-off. In case of failing to repay the loan amount, you will lose your possession on the property that you have used as collateral.

Recently, secured loans have become famous among borrowers. These loans are cost-effective rather than other loans, as secured loans are served at low interest rate. Thus, when it comes to loans, then secured loans are the best option that you can opt for.