Car Insurance - Inflated Quotes Costs Consumers Millions Yearly

Even though lower car insurance quotes are occurring through competition from warring insurance companies vying for new business, as well as increasing online quote houses, millions of consumers are still paying dramatically more for their car insurance than they have to, to the tune of millions every year, and hundreds of dollars per household.

Online quote houses, such as Insurance-Info-Center.com, states on its site that on average, customers can save $451 on their car insurance by comparing car insurance quotes with them.

But these typical savings wont affect the average consumer unless they take action and compare their rates, both online, and with national and local agents in their area.

All auto insurance is not the same. In one study by a major insurance company conducted between 1999 and 2004, a six-month auto insurance policy fluctuated between a low of $481 to a high of $586. This translates to a year policy costing as low as $775, to as high as $1256 for the exact same coverage.

This means one thing: for consumer to save, find good service, and get a good rate on their auto insurance, they need to shop, shop, shop.

It may seem simple, but according to studies by a major online carrier, only 20% of the people surveyed actually get more than one quote before buying their insurance.

Experts agree that getting a mix of quotes from large as well as small insurers will give you a good mix. Insurance-Info-Center.com lets you pick from a wide variety of national insurers through their automated providers.

Experts also suggest that, even with the convenience and speed of online quotes, you should consult local providers as well.

In the long run you should shop around, and get quotes from as many places as you can before making a final decision. In the end, it will save you big money.

Gary Hollins writes for http://Insurance-Info-Center.com, where you can read insurance news affecting you and get a free 15-minute comparison car insurance quote.Priscella Blog24479
Petronille Blog53763

Minister Launches Consultation on Simplifying Immigration Law

IMMIGRATION MATTERS

Liam Byrne, Minister for Immigration, citizenship and Nationality has launched a consultation paper on simplifying immigration and citizenship law. The aim of this initial consultation paper is to seek a range of views to inform a fundamental overhaul of the legal framework within which the Border and Immigration Agency operates.

Over recent months the Border and Immigration Agency has outlined plans to reform the immigration system. The object of this paper is to begin the process of simplifying the body of different immigration laws built up over the last few decades.

The new legal framework will be important to the transformation of the Border and Immigration Agency, and to the achievement of its strategic objectives.

The consultation paper is available on the Border and Immigration Agencys website.
http://www.bia.homeoffice.gov.uk/aboutus/newsarchive/wmssimplifyingimmigration#mainNav

If you should have any questions on working or studying in the UK email Charles Kelly info@immigrationmatters.co.uk.

HOW 2 COME TO THE UK to Live Work Study or Visit by Charles Kelly & Cynthia Barker 2005 ISBN 0-9546338-3-0.
Available from National Bookstore, PowerBooks, Fully Booked and our website.
http://www.how2cometotheuk.com

USEFUL WEBSITES http://www.immigrationmatters.co.uk/useful_websites.html
Immigration Matters
http://www.immigrationmatters.co.uk
http://www.nursejobsamerica.com
http://www.visas4students.com

Charles Kelly is a registered Immigration Adviser and Co Author of How 2 Come to the UK to Live Work Study or Visit.Polly Blog17565
Pauline Blog74459

21st Century Work At Home Business--Start a Home Business

Work from home, work at home, start a home business and start an internet business, how many times do you see these phrases if you do any surfing on the net. Probably many times, right? How do you decide which ones are worthwhile? It is not easy.

Have you spent money on a work from home business and discovered that after youve paid your money you cant find anyone to help you? You are left out in the cold, on your own. Not a good feeling, right?

So you have heard all the hype, fell for some of it, and now feel that everything you see on the net is a scam. But at the same time, there are those who start an internet business and succeed in a big way. Why cant that be you?

The main reason that most people fail or not make what they expected is lack of training. You need generic training so you can market any program that you sign up for.

According to Dot Santoro, Predator Marketing System business owner, Predator is the place where you can find exactly what you need for your work from home business. There are multiple trainings everyday, you feel like you are part of a group, where the success of everyone, including you, is important. I have never been in a program where you are taught to do things that only the big internet gurus do.

Predator Marketing System claims to be the 21st Century business model for the work at home industry. Dot enthusiastically says, Now is the time to start an internet business if you have ever wanted to work at home and Predator Marketing System is the vehicle you have been searching for.

Predator will teach you how to drive traffic, how to get an abundance of free leads and how to market, not only Predator, but any other internet businesses you have. Their team of trained closers, all of which are successful marketers, will do the hard part and according to the Predator Marketing System site, you get paid $1,000 to $3,000.

Learning to market without rejection has been the most important aspect of my success, reveals Dot Santoro, as long as I had to place hundreds of phone calls to get any sales, my work from home business was not going anywhere. Now, I spend my time doing the marketing, not on the phone trying to make sales.

To learn more about Predator Marketing System and how it works, go to http://getpaidtomarket.com and request a callback, that way you can see how the system works.

Dorothy Santoro's living comes from network marketing. She lives in the hills of Tennessee, where she raises a small herd of mini goats on a 25 acre hobby farm. So when she is not on the 'net, she's probably out in the barn. The latest addition to her portfolio of online businesses is Predator Marketing System which you can find at http://getpaidtomarket.com.Rafaela Blog33755
Penny Blog25528

When Business Needs Urgent Money!!! Commercial Bridging Loan

Commercial bridging loan is known as the fastest way of funding your immediate funds requirement for your business. It can give you the quick access to cash with minimum of formalities. The basic principle of a commercial bridging loan is to bridge the large financial gap for a short term. This happens when you sell your existing property to serve your commercial purpose. But as we know that selling a property is a time consuming job and commercial needs are urgent. You cant put them on hold; else it can affect your business adversely. Commercial bridging loan steps in here for your help.

Commercial bridging loans are of two types. Depending upon the status of sale of your existing property, they are classified as open-ended or close ended. But that doesnt affect the features which such loans offer. A commercial bridging loan is secured and a first or second charge will be taken against new or existing property or can be combination of both. Following are the securities or properties which can be used as collateral for a commercial bridging loan:

Residential or commercial properties

Development sites or auction properties

Buy to let properties or retails shops

Land with planning permission

A commercial bridging loan offers you amount ranging between ₤27000 to ₤100000 and more depending upon the collateral offered. Lenders usually offer up to 70% of the value of the collateral. As the loan is secured, you can apply for such loans irrespective of your credit status. This allows people with bad credit score i.e. defaulters, arrears, CCJs and IVAs etc to easily apply for the loans.

You can use the commercial bridging loan amount to buy office buildings and shopping centers, automobile dealerships, manufacturing facilities, commercial real estate, paying salaries and creditors, urgent working capital requirements, purchasing raw material, miscellaneous requirements.

To apply for a commercial bridging loan, you can log on to dozens of internet websites and apply for such loans. People often believe that it is not safe to give your personal information on internet as anybody can misuse it. But the presence of data protection act ensures that your details are kept confidential. So you can select a commercial bridging loan deal and apply for it by filling a simple application form. The application process takes is quick and you may get the approval just in 3 to 4 working days or even lesser depending upon the circumstances.

Commercial bridging loans are for short term and should be repaid on the agreed date. These loans are an interest only loan, which means that you only have to make monthly interest payments till you get the sale proceedings of your property. The principle amount is paid out of that money. This makes a commercial bridging affordable in any situation giving you quick monetary support.

Celeste Parker has been associated with Debt Consolidation Management. Having completed her Masters in Finance from Cranfield School of Management. She provide useful advice through her articles that have been found very useful. To find Commercial bridging loans,secured bridging loan,cheap bridging loan,bridging loan uk,bridging loan advice visit http://www.baddebtbridgingloans.co.ukPatsy Blog5848
Rebekkah Blog94258

Taking Advantage Of Your Concierge In Cancun

Travelers often dismiss concierges as meaningless middlemen. Yet, when vacationing in Cancun, your hotel concierge can supply you a world of information and opportunity. These jacks-of-all-trades can be found at most resorts and know Cancun as well as anyone. While some concierges may have more valuable connections than others, any one of these hotel professionals can provide invaluable tips for your stay. Best of all, their assistance and advice are free of charge.

When in Cancun, youll obviously be in search of unique recreation and entertainment opportunities. To access the best this exotic destination has to offer, ask your concierge for assistance setting up special activities for your vacation. Whether you want to go scuba diving or snorkeling with Cancuns premier dive masters, take a private tour of ancient Mayan ruins or play a round at one of Cancuns exclusive golf resorts, your concierge is the best ticket to the finest attractions.

Keep in mind concierges are paid to be the ultimate Cancun insiders. They attend museum exhibits, dine at the finest restaurants and frequent the exclusive clubs, all for the sake of telling you what's worth your time and money. Along the way, they develop business relationships that offer hard-to-find tickets, reservations and discounts. As a result, restaurants are more likely to accommodate concierges from high-profile resorts for last-minute reservations or special accommodations than the average tourist.

When asking about restaurants, it pays to be specific. Suggest a location, view, price range or cuisine to ensure your concierge knows exactly what youre looking for. The same goes for any request you make of your concierge in Cancun, anything from shopping for the perfect gift to locating a doctor or babysitter. The more information you provide the concierge, the more they will be able to help.

Your concierge can also serve as a travel agent - confirming flights, changing seat assignments, securing visas and boarding passes, even planning entire vacations. Concierges can even act as personal assistants, running errands like delivering business materials and picking up needed supplies.

Just as important as those perks, a good concierge will serve as an instructor of local customs and etiquette, letting you how to dress at the beach or the best way to experience the nightlife. Your concierge will also be up to date on events and festivals in Cancun and can suggest the best times to visit certain attractions.

Like every other travel detail, the best travel tip regarding the concierge remains the ability to plan and organize. To take full advantage of the possibilities outlined above, your relationship with the hotel concierge should begin well before checkin. Though many travelers arent aware of this fact, you can call the concierge up to one month before you arrive to discuss any of the objectives for your trip, be it business or pleasure. With such advance notice, your concierge can make all of your arrangements and appointments and even grant you a detailed hourly itinerary when you arrive. An advance call to the concierge is also the best way to ensure a table at a popular restaurant or a ticket to a sold-out event. While a concierge can often use his connections to make a last-minute reservation, the more time you allow the better.

Calling in advance can also qualify you for special pricing at your hotel. The concierge will know about seasonal specials the resorts dont advertise, in addition to discount opportunities for dining and sightseeing.

As mentioned, concierge services are free. However, introducing yourself and offering a $20 gratuity at the beginning of your vacation is a good idea if you plan on making several requests. As a general rule, a tip of $5 is acceptable for dinner or entertainment reservations. A tip up to $100 might be in order if the concierge developed your itinerary or exhibited truly exceptional service. Furthermore, when you return to the resort, the concierge will certainly remember you and be prepared to serve again.

This article was written by Justin Burch. Justin writes select pieces about travel in Mexico for the CasaMagna Marriott Cancun Resort. http://marriott.com/property/propertypage/CUNMX.Pandora Blog87628
Phillida Blog2169

5 Ways to Jazz Up Your Style

Do you feel like you are in a fashion rut? You buy way too many clothes in one color, everything you have in your closet looks the same and you struggle to find something to wear, let alone find something that makes you feel good? If this is true, its time to add some excitement to your wardrobe.

Every morning when you leave your home you deserve to feel great about what youre wearing. This doesnt mean that you have to be dressed in expensive or designer clothing; it does mean that you will have chosen a clothing style that suits you and is in a color that makes your skin glow.

To jazz up your style start with:

1. Getting to know the colors that look great on you. When you wear colors that suit your skin tone your skin looks more radiant, fine lines, dark circles and wrinkles are less apparent. Wearing the wrong colors (a mistake many women make) will make your skin look sallow, drab and lines and wrinkles will stand out. Before you purchase an outfit be sure the color will make your skin look radiant. If you are one of those women who always buy the same color, use that color as a starting point and add a few colors at a time (from your color palette) to create interest in your wardrobe.

2. Wearing clothes that are flattering for your body shape: Choose clothes that bring out your positive features. Get to know your body shape and choose the styles that are best for it. When your clothing purchases are based on how the garment affects your body shape getting dressed is a thrill. Choosing the styles that suit your shape will make you look thinner, taller and younger. If you are wearing the wrong clothing styles you will look larger, frumpy and matronly.

3. Choosing accessories that complement your outfits. Accessories such as scarves, handbags, shoes, gloves and necklaces will bring any outfit alive accessories have jassability!

4. Bringing the whole look together. Now that you have the right colors, style and accessories your hairstyle and makeup cannot be overlooked. Makeup should match in occasion and color. For example, lighter lipstick, eye shadow and blush for day and darker for evening. Lipstick and blush colors should be in the same color family (cool or warm) as your outfit. Your hairstyle should complement the color of your skin and also be in harmony with what you are wearing.

5. Creating a smart image with a winning smile and attitude. A genuine smile makes you appear more approachable. Those who treat others with respect and respect themselves are on the way to creating an image that is impeccable.

©Copyright 2006 Sheila Dicks

Sheila Dicks is an Image and Wardrobe consultant who helps women feel more confident by dressing to suit their body type. To get tips on how to dress slimmer and look fabulous visit her website at http://www.sheilasfashionsense.com and look for her new site mens fashion site at http://www.mensfashion101.com.Peggie Blog58728
Quinn Blog99506

Marketing: The Internet Has Become A Gold Mine For All Marketing Firms

If the world of infrastructure is a block of granite, marketing is a fluid running through its small chasms. Marketing is a force like gas, a prevalent and very active thing that is difficult to pin down and observe. It is one of the abstracted forms arising from a post-modern way of life, and it shows no signs of slowing down.

It makes sense that marketing in its never-ending search for new forms has branched onto the web. The internet and the screen of the personal computer are lucrative fields for new advertising campaigns. Much of consumer activity has moved onto the web, and so marketing is keeping up with trends by moving its own strategies to a web-based format.

The most familiar ways that marketing firms do this is by the use of devices such as ad banners or pop ups that bring ad copy directly into the view of the user. These are time-tested marketing strategies that work: users click through on ad banners and generate revenue for the creators, improving the status of the company or product. There are also the 'cookies' that companies hide in a user's hard drive. Devices such as cookies provide critical data about a consumer; they allow marketing individuals to create campaigns based on established facts, and they allow researchers to track the web activities of consumers.

Besides these marketing tools, software makers have given marketers different programs to better their commerce. Some of these are available online for a firm eager to improve its web image. One such program is the VIPCART: this package allows marketers to create a 'shopping cart' that shoppers use online to collect product which they can purchase with their credit cards. Though online shopping is hazardous due to credit fraud, many people still shop online.

Marketers can also make use of a package entitled SEO DETECTIVE that lets users compare data on different web sites to get a picture of who is running a particular online industry. The best web sites generate the best sales, and tabulation software such as the detective programs allow individuals to concretely assess who has the best web sites.

Then there are a host of other programs dealing with innovations like keyword-driven sales that also analyze web response from consumers. All of these tools try to direct customers to a product by reacting to feedback through the transparent channels of the web. Keyword-driven sales is one way to get the attention of clients, and in-depth work with search engines can benefit a company's prominence greatly.

By and large, conventional marketing will not go away, but the web will become a bigger and bigger arena for marketing in the future as marketers try to get the most out of online sales.

Robert Michael is a writer for FAA Marketing which is an excellent place to find marketing links, resources and articles. For more information go to: http://www.faamarketing.comPammie Blog87601
Pippy Blog34884

Destination Singapore. A fine city for all the right reasons.

You may have heard the saying Singapore is a fine city. You get fined for this, fined for that you could even get fined for chewing gum (it caused a major door drama that stopped the MRT subway running). While theres no doubt that Singapore takes a tough stand on fines for anti-social issues and basic public behaviour, Singapore is also fine city for a tourists on a stopover or vacation break.

In fact, Singapore is one of the worlds most popular destinations. A tiny island with mighty appeal, lying between Malaysia and Indonesia. Just 14 miles from north to south and 26 miles wide from east to west, its slightly more than 3.5 times the size of Washington, DC. Singapore lies in the heart of exciting Southeast Asia, a bridge between east and west and a place that buzzes 24/7.

It offers visitors a world of fantastic possibilities. Its ultra-modern skyscrapers and towers of glass contrast with the colonial charm of historic buildings, secret laneways and Chinese shop houses.

Its a confusion of culture with slick style and business energy. A melting pot of Chinese, Malay, Indian and Eurasian races. Safe, fun and friendly, the perfect place for a break. Singaporeans are super helpful to visitors and just about everybody speaks English as this is the main language of business and everyday life.

Singapore is also just a few degrees from the equator, so its always a hot and happening place literally. Tip: dress for the tropics with light comfortable clothing.

Seven great things to do and see.

Singapore Shopping. A buyers paradise.

The number one attraction is undoubtedly shopping. Stroll down the main boulevard of Orchard Road and youll find plenty to tempt you and your credit card, but window shopping costs nothing. Each side of the road is lined with glossy designer boutiques, big stores and fabulous malls, not to mention shops displaying the latest digital wizardy.

Dont miss exploring the other side of Singapore either. Its fun to spend a day wandering the different locales and historic backstreets of Chinatown, Little India and Arab Street.

Enjoy a Singapore Sling at Raffles.

When in Singapore, feed at Raffles, that was the advice of the renowned English author, Rudyard Kipling, and it still holds true today. The legendary Raffles Hotel is consistently voted as one of the top hotels in the world. It attracted a bevy of literary talent to its doors, from Joseph Conrad to Somerset Maugham to Noel Coward who were inspired by its unique atmosphere. First opened in 1887, Raffles has undergone extensive restoration over the years but today its still as stylish as ever.

Now film celebrities, royalty, sports stars and anyone whos anyone, chooses to stay Raffles. Even if your budget doesnt allow an overnight booking, you could probably stretch to a refreshing Gin Sling in the Long Bar it was invented here. Bartender Ngiam Tong Boon created this deliciously different cocktail close to a century ago.

Food glorious food.

Making money is not the only things on peoples minds in Singapore. The subject of food is a national obsession. After breakfast has finished, where to have lunch and dinner are the big topics of the day. As a visitor, your taste buds are spoiled for choice with plenty of food halls, stalls, cafes and upmarket restaurants.

Nonya or Peranakan food is the closest Singapore has to a national cuisine. It combines Chinese, Malay and other influences into its own unique blend. The resulting dishes are imaginative, tasty and often extremely subtle.

Travel tip: If youre heading this way in the month of July, the annual Singapore Food Festival is in full swing. A gastronomic feast of workshops, places to eat, amazing recipes and things to try are all on the menu.

Singapore Zoo Night Safari.

Forget a typical zoo experience, this is an open green environment where animals are allowed to roam in acres of lush jungle and parklands. Oppressive cages are absent.

The animals are actually kept in spacious, landscaped enclosures, separated from visitors by dry or wet moats. The moats are concealed with vegetation or dropped below the line of vision.

At night, Singapore zoo takes on a totally different feel with the famous Night Safari. A unique experience of exploring wildlife in a tropical jungle at night. Through subtle lighting, you can view over 1,000 nocturnal animals from 100 species in their habitat. Its well worth spending an evening out here. Show time starts at 7.30 as the sunset in this part of world is very reliable, thanks to the position, close to the equator.

Sentosa. Singapores premier island resort getaway.

Just 15 minutes from downtown Singapore, youll find the resort getaway that is Sentosa Island. A stunning blend of leisure and recreational facilities, sea sports, golf and peaceful retreats. Get there by cable car (fantastic views) or bus, taxi and car.

A canopy of secondary rainforest covers 70 per cent of the 500-hectare island and its home to monitor lizards, monkeys, peacocks, parrots as well as other native fauna and flora. With is long stretch of white sandy beach, this is the only place in Singapore with real beachfront accommodation, such as Shangri-La's Rasa Sentosa Resort. Youll find this property (and many more choices all over Singapore) at sites like http://www.hotel.com.au/singapore

Clarke Quay. Night moves and grooves.

When the sun goes down, Clarke Quay, on the Singapore River, comes to life. During the 19th century, this was a commercial waterfront area, bustling with merchant vessels. The rich heritage is alive and kicking. The Quay been restored to create a colorful and stylish meeting place, filled with cosy cafes, bars, music and restaurants. Trendy night spots attract a big crowd, especially at the weekend.

Reflexology. Traditional Foot Massage.

Transport-wise, Singapore is easy to get around, by subway, bus or taxi, but youll probably pound the sidewalks taking in the sights and sounds of this great Asian destination. Make time for some pampering.

Reflexology or foot massage has long been part of Chinese tradition and culture - a superb way to relax after a tough day bargain hunting. Youll find plenty of places to enjoy a massage, at exclusive Hotel spas, or the more reasonably priced specialty outlets all around Orchard Road, in shopping centres and Tanglin Road.

Singapore hotels to match every budget.

Singapore is one of the worlds top travel destinations, especially for stop overs. (U.S. citizens can stay up to 90 days without a visa.) Accommodation-wise, youll find a wide range of hotels to suit your budget from major 5 star international names to smaller hotels offering great value rates. Book online and see the deals you can find.

During holiday time, Chinese New Year and during special festivals, it pays to book ahead because Singapore is always a fine experience.

Web sites such as http://www.hotel.com.au/singapore have dozens of choices, in the shopping, business and nightlife districts.

Matthew Lawson heads up http://www.hotel.com.au and is an avid traveler. Regan Blog50735
Philis Blog3905

LPG Car Performance Issues

It is believed by many car owners and consumers that if they decide to convert their car to run on LPG fuel this will lower the cars performance this is untrue and in fact if there is any change in performance it will be negligible and most drivers would be unlikely to detect the difference.

If car owners decide to convert their vehicles to run on LPG they will find that power outputs from their cars engine will be slightly reduced than when the car is running on petrol. This slight decrease in power output from the cars engine will mean that top speeds and acceleration times will be reduced but the reduction will be of such a slight margin that as stated before it is unlikely that drivers will be able to notice any drop in their cars performance.

Car owners should be aware that to make sure their vehicles performance is not affected by the conversion process, LPG kits should only be installed by qualified mechanics in approved installation centres that can be found all across the country.

This Article was written by Stephen Rodger for Fuelture Ltd. Fuelture Ltd is a UK based alternative fuel company with a national LPG conversion service. Fuelture Ltd aspires to build a unique network of state-of-the-art LPG Stations and to launch a unique LPG fuel card. Fuelture Ltd. works closely with performance engine specialists Nicholson McLaren Engines Ltd. Visit http://www.fuelture.com for more information about automotive LPG in the UK. Philly Blog49690
Reeva Blog600

Get Your Own Back on the Lottery

Why not make the Lottery work for you? This sounds unlikely but it is, in fact, very possible. Most of us, if not all of us, have played the Lottery at one time or another before becoming disillusioned with the unlikelihood of winning. So why not change that?

There is a winning formula which more and more people are getting to know about, and that is called e-Lottery. Established in 2002, e-Lottery is now rapidly gaining in popularity and recognition, and gives you a number of options which cater for all preferences.

1. You can play as an ordinary punter, BUT you can increase your chances of winning by 702%.

2. You can play the Euro-Lottery at the same time.

3. You do not have to go down to the lottery shop to do this you play on line from the comfort of your own home, - no chance of losing that winning ticket in the washing machine.

4. You can go further and develop the e-Lottery into a home-based business. As a business you can build up a residual income which will not only pay for your weekly Lottery stake but will provide you with substantial cash in the bank as well.

5. There are many other fun activities on the e-Lottery site which you can enjoy such as 'reverse auctions' and even a chance to win 1000 for FREE. Go and take a look through www.oftenwin.com. It costs nothing to look!

By joining an e-Lottery syndicate you can massively improve your chances of winning the two richest, lump sum, tax free lotteries in the world: the UK National Lottery (Lotto) and the European Lottery, (Euro Millions.) And you can play from wherever you are in the world.

This is really fun, easy and profitable and serious. This system is nothing like any Lottery syndicate you may have heard of before it's unique. Here's how it works:-

To join the e-Lottery a new member pays ₤4.99 per year as a registration fee and then ₤5.00 per week to play. If this seems a lot, just consider that this gives you 44 lines of six numbers on Wednesday and the same again on Saturday that is 88 lines of six numbers per week. Playing from your local Lottery outlet 5.00 would buy you just 5 lines! With e-lottery you get 88 lines. For another 5 you can also play the Euro Lottery giving you 36 lines of numbers per week.

When you join you become a member of a syndicate of 49 people, and each syndicate is allocated 5 numbers. E-Lottery then makes up the sixth number with all the numbers from 1 to 49 giving you 44 lines (because you cannot have duplicated numbers and five numbers have already been allocated). Only one line of your syndicate has to match the winning six numbers to win a major prize. In addition 5, 4, 3 and 2 matching numbers will provide a cash win as well.

This gives you a 1 in 13 chance of winning any cash prize, and it improves your chances of winning by 702%. Since I joined 9 weeks ago, I have won a prize on the Lotto 4 times and a prize in the Euro Millions 5 times. Small wins admittedly (so far), but hugely better than I've done playing the Lotto through normal channels over the past ten years.

The Business: In todays global economy the e-Lottery business targets a mature, multibillion dollar global market that is experiencing huge growth. It addresses and serves genuine consumer demand, and it can work for you from anywhere in the world. It is a flexible system that can easily be built entirely from home, with little or no overheads to speak of, there is always help and support at hand and, once set up, it can provide an autopilot residual income. And you can test drive the system for a period of 14 days at zero risk. Has to be worth a look.

To earn a serious ongoing residual income you become an Affiliate and encourage others to join an e-Lottery syndicate (friends relatives, colleagues etc.), and from their contribution you get 20% of their weekly lottery fee, which means that if 5 people join you play the e-Lottery (88 lines) for FREE. You also get 5% of any fees brought in by people they introduce. In this way you build up a residual income that continues from month to month as long as they pay their weekly fee. Plus your own winnings of course! Many individuals are now earning a very encouraging second income from this chapter and verse (and names and stories) on e-Lottery's website. Part of the reason for its growing popularity and success is that people don't need much persuading to join. The system works for you.

e-Lottery provides outstanding support and promotional materials, and ongoing help and advice through conferences and by advertising. E-Lottery now has members playing every week from 133 different countries. This is not a fly-by-night operation.

To get a full detailed picture, go to their recently re-vamped website through www.oftenwin.com, which will also show you exactly how the calculations in the system work. Sit back and enjoy the e-Lottery video" to understand how to play, or click on the Business Opportunity tab at the top to hear the Affiliate video.

Terence Barker

Terence Barker has had success with this and would like to assist other people to enjoy a fun e-business. To learn more visit: http://www.oftenwin.com.Pauline Blog54743
Petronilla Blog20426

Writing for the Travel Web

In this modern world, where more and more people can afford international travel, knowledge of the country to be visited is very important.

Thus persons who are knowledgeable about a particular country should try to write interesting articles, outlining not only the attractions of the country, city etc, but also any downfalls, dangers, etc. that people may experience. A bit of honesty goes a long way to prevent unhappy incidents while on holiday! For example, avoid Such-and-such Street as you may be mugged... don't go near Such-and-such Street as this is the red light district, etc.

Let people know what the most important attractions are, giving a little history if possible. Advise them on modes of travel in the particular country - whether it is more convenient to use public transport, or rent a vehicle. If language may be a problem, advise on buying a phrase book for common sayings in that particular country.

Other important things to bear in mind when writing a travel article and submitting to the article web sites:

1. Check your facts: make sure what you are stating in the article is, in fact, true.

2. Check your spelling, grammar and punctuation: there is nothing worse than badly spelled or worded text, especially for webmasters who wish to use your article as content on their websites! If at all worried, or if English is not your home language, have your article proof read by an English speaking person to check whether all is in order.

3. Don't make the article too short, or even too long - an ideal guide is to use between 500-1000 words for a comfortably readable article. If you have a lot to say, maybe split the information over several articles, i.e. part 1, part 2, etc.

4. No plagiarism! i.e. do not copy someone else's work into your article.

5. Web site links: bear in mind that people with similar web sites to your own will want to publish your article as content. Do not pepper your article with several links within the body of the text - this will put people off using the content! They don't particularly want your article to take potential business away from them immediately. Try to use just one link in the resource box, or the "about the author" section at the bottom of your article.

I hope this helps you in producing top quality articles for the travel web.

Anne Sewell is involved in web based tourism and is based in Fuengirola, Spain. Submit your travel articles to http://global-travel-articles.net.Piper Blog44371
Orsa Blog89022

Back-to-School Organizing Tips for the Mom-On-The-Go

Back to school can be a stressful time of year. Families must change from the laid-back summer schedule to the non-stop school and activity calendars that keep moms jumping from one activity to the next without a moments rest. Fortunately, today there is help.

GO MOM !NC, a leader in products to help you organize your busy life, provides its latest advice to keep Moms organized as they get their families back-to-school this fall. Across the nation, busy parents are focused on easing their children into the new school year, states Molly Gold, founder of GO MOM !NC. My role as a Family Scheduling Expert is to help Moms focus on how they can better organize themselves to be ready for all that change and be mindful of how their own workload will evolve alongside of their family.

Want the cliff notes on how you can get organized for Fall 2006? Take a look below:

Plan Ahead The only way you can command your time is to consciously map it. Simply put, use a family-oriented planner that enables you to track all family members schedules in one place. When you monitor your family schedule, you can then plan how and when to accomplish important back-to-school tasks, such as replacing clothes, purchasing school supplies, and attending back-to-school night. Stock your kids homework stations with pencil and paper basics while purchasing classroom items. Take it one step further by creating an emergency project box full of grade appropriate tools that will hold the night before anxiety at bay. Visit Target stores for an ample supply of poster board, report folders, markers, glue sticks, and an assortment of interesting arts and crafts items in small quantities to allow your childs creativity to shine, one project at a time.

Plan for Paper Before you start stacking all those important school papers in a long forgotten corner of your kitchen, or on top of last months bills, put your paper trail in place beginning with in/out boxes for each family member. Show everyone where to place their papers and then sort them daily with your planner at hand to note important deadlines and tasks. When setting up your own filing system, check out the new GO MOM! School Organizer. With monthly pockets for everything from school-related projects and fundraisers, to teacher newsletters and activities rosters, you cant help but be ready for the first round of parent/teacher conferences at the end of first quarter. If its your house that keeps you buried, youll find the GO MOM! Home Organizer to be equally as effective in helping you categorize and sort the most important papers as you manage your familys busy days.

Plan to Purge We all do better with a clean, organized environment. If you havent yet gone through everyones closets, dressers, and bedrooms while evaluating wardrobes for school, do it as soon as you have your routine in motion. Make room for the year ahead by rounding up all outgrown items, discarding everything that cant be repaired, both in the toy and clothing departments. For items in good condition, arrange for a charitable donation or enlist your kids help and plan a yard sale in late September. Take advantage of your clean slate and give each room a quick cleaning with an all-purpose cleaner like Mr. Clean Extra Power Multi-Surface Cleaner for even the toughest jobs. From scrubbing baseboards to replacing air filters, flipping mattresses and cleaning windows, Fall is a great time to freshen your home and welcome the change of seasons. And for Moms of older kids, enlist their helping hands as you plow through this process. Respect and responsibility for both our possessions and environment are life skills worth teaching.

GO MOM !NC is based in Apex, NC and promotes the use of The GO MOM! Organizer and GO MOM! Planner, unique day planner systems for everything that is family. Founder Molly Gold is a 40-year-old mother of three and the creator of the GO MOM! product line, which will grow this September to include The GO MOM! Wall Organizer, The GO MOM! School Organizer, and The GO MOM! Home Organizer. All products in the GO MOM! line are produced via license partnership with Mead Westvaco Consumer and Office Products and sold at major retailers nationwide, including Target, Staples, and Office Max.

GO MOM !NC helps mothers make positive mothering a daily reality within the structure GO MOM! Schedule. Organize. Grow. Gold is known for her keen insights into Family Scheduling and has been featured both in print and on air media alike and is currently available for media interviews.

Attention busy Moms! The time is now to get both you and your kids organized for an exciting and successful school year ahead. To learn more about how you can stay ahead of the game, go to http://www.gomominc.com.

Molly Gold currently serves on Proctor & Gambles Mr. Clean Team Expert Panel, Cartoon Network's Tickle U Advisory Board, and as Family Scheduling Expert at both http://www.BlueSuitMom.com, and http://www.NewBaby.com. Her work has been featured in Parents and Parenting Magazines, Better Homes and Gardens, The Washington Post, ABC's Good Morning America, and most recently NBCs Today Show Weekend Edition. Contact her today at http://www.gomominc.com or via publicist Diana Ennen at diana@virtualwordpublishing.com, (954) 971-4025.Quintina Blog85859
Philippe Blog71940

Importance Of Reputation In The Translations Industry

In this article I am considering reputation in the translations industry. These aspects are often intrinsically linked with customer services. But customer service is only a part of what makes a reputation.

I would argue that your personal reputation is one of the most valuable things that we will own regardless of where we are of what we do. It is something that is with you always, affects parts of your daily life and is very difficult to change.

Unfortunately nothing sticks to a reputation quicker or longer then mud (negatives). So it is important to avoid such potential instance as much as possible and if possible quash any such occurrences irrevocably.

A) Reputation of a Translation Agency with its Clients Like all businesses, without your clients you dont have a business. A translation agency must ensure it creates a good reputation with its clients. This can be achieved by:

1) Quality of Translation Using only qualified and experienced translators working into their mother-tongue. Proofreading of the translation. Testing translators and auditing of their translation work. Sticking with the tried and tested translation professionals

One way quality is sometimes lost is through subcontracting. The translation agency has lost control of the translation and is therefore not in control of the quality.

2) Quality of Service Quick response and general customer care.

3) Management of the Clients Expectations A translation professional cannot always expect someone who is not working in the industry to understand what is required. This particularly applies to deadlines.

In such cases it is better to offer options with the translation quotation rather then promises that you cannot keep. For instance: The options might be later delivery v no proofreading

The general rule has to be that you only commit to what you can achieve.

B) Reputation of a Translation Agency with Freelance Translators Most agencies use a mixture of both employed and freelance translators. The freelancer only assists as and when required against won projects. A good freelance translator is pretty much like a good translation agency: They provide good quality of work and they work to mutually agreed deadlines.

Having freelancers that you can rely on is part of being a good translation company and an integral part therefore of keeping the reputation of the agency with its clients.

You can most easily manage your translations agencies reputation with freelancers by:

1) Prompt Payment It seems that the translation industry is a minefield full of late paying translation agencies that need chasing repeatedly. Its completely bizarre to me as this takes additional resources of the agency to manage the late payments. After all, if payments of 25 make a difference to your business, you may wish to address this matter through other means.

Paying your translator early or on time can therefore standout. They will feel good about the agency and be more willing to go that extra mile in quality and working hours to look after the translation agencies interests.

2) Agreement before commencement It is best that as many variables as possible are agreed in writing before the project commences. Ensure that in writing the translators has been informed of: i) Language Combination and Direction ii) Types of translation Is it medical for instance iii) Type of source document e.g. PDF iv) Format the translation is to be returned in. e.g. MS Word v) Translation Deadline vi) Fee or rate to be applied vii) Wordcount. (In some cases it is possible and necessary to send a copy of the translation in advance to the translators. But this is often restricted as prior to having a full agreement with the translator this could be deemed a breach of your clients confidentiality).

At this point the translation agency should require feedback from the translator. A written confirmation that they are capable of fulfilling the requirements set-out.

C) Reputation as a Freelance Translator The saying goes a salesman is only as good as his last sale. A similar saying could also be applied to translators A translator is only as good as their last translation. In both circumstances there is the detail to consider.

A freelance translator generally seeks a situation where they have a regular client base who consider them first. Ideally, if they are too busy the client will still come to them first for the next project and the next project.

Reputation for a freelancer allows them to earn better rates even though there will always be someone else offering to do the same job for less money. It allows the freelance translator to discuss the issues of a project openly with the client or translation project manager and have them work with them to complete their service.

The reputation of a freelance translator can be most easily maintained by:

1) Staying within their capabilities. It is not advisable to take on highly complicated specialised texts that you have no experience with unless you have discussed this with your client and have a clear plan how you will complete the project. Otherwise you might perform below what is reasonable.

2) Work to deadlines. Ensure that you assess the deadline and only agree to what is achievable. If you are upfront and say when the translation can be achievable this may well turnout fine and avoid loss of your personal standards for quality.

3) Check your work. It is advisable to take a short break and then review your translation before you send. You may have made some simple error or missed something that this last scan can pick up. This will also avoid you sending the wrong file. Checking you own work is not proofreading. Proofreading in my opinion involves a 2nd independent translator.

4) Problems If you have a problem or require extra time it is important to tell the client ASAP. This allows the issue to be addressed as soon as possible and a solution found. The problem might be legibility of part of the source text or you might be delayed due to a personal problem. If possible, the more warning notice the better for everybody.

I guess when reading this we must be reminded that with extra care and communication we should all be able to benefit from less problems and more stability from our lives in the translations industry. This care will guard our reputations.

Nigel Massey has worked internationally for many years and is a partner at the Translations Agency 'Axis Translations' http://www.axistranslations.com. The author specialises in Translation Project Management for: Technical Translations, Legal Translations, Italian Translations, Financial & Banking, etc.Pat Blog69994
Rakel Blog66919

Using Your Health Savings Account to Pay for International Travel

Thousands of U.S. citizens are taking advantage of the low cost and high quality of foreign hospitals by traveling abroad for medical treatment. The savings are often 75 percent or more, and the entire cost of treatment may even be payable with tax-free money from a Health Savings Account.

Medical tourism first began to get popular in the 1990's, when people began traveling in large numbers to Brazil for cosmetic surgery. But as costs have continued to rise, thousands of Americans have been traveling overseas for real medical conditions, such as knee replacements, by-pass operations, heart valve replacements, and other serious issues. Many countries are seeing medical tourism as a good way to bring in foreign money.

In many cases the quality of medicine available overseas is equal to the top hospitals in the U.S. Patients are showing up at places like the Apollo Hospital in Hyderabad, India, part of a 36-hospital chain founded by a cardiologist from Massachusetts General. A heart valve replacement may cost $50,000 to $100,000 in the U.S., and only $12,000 in India, including travel costs.

Escorts Heart Institute and Research Center, in Delhi, India, is another popular medical tourist destination. It was founded by Dr. Naresh Trehan, an authority on robotic cardiac surgery formerly based at New York University.

Blue Cross Blue Shield has just announced that they will pay for treatment at Bumrungrad International Hospital, in Bangkok, Thailand for individuals from South Carolina. Over 80,000 Americans received treatment there last year. The hospital boasts that over 200 of its doctors are board-certified in the U.S, and will perform a knee replacement operation for 20 percent of what it would cost in the U.S.

Who Does This?

Dodie Gilmore is a 60 year-old rodeo barrel-racing champ from Oklahoma. She runs a 180 acre ranch, but could no longer ride a horse because she needed a hip replacement. Her health insurance plan had an exclusion that wouldn't cover her operation, and she really didn't feel like paying the $35,000 it would cost her. Instead she and her partner flew to India where she had the surgery at the Max Institute of Orthopedics and Joint Replacement.

Her physician was Dr. S.K.S. Marya, who averages one American hip-replacement patient every week. Dodie's total coast, including travel, was only $11,000. She even managed to take in a tour of the Taj Mahal.

Forty to Sixty percent of those surveyed say they would consider surgery abroad if it could save them $5,000 or more. Going out of the U.S. (perhaps even just to Mexico), could be a worthwhile strategy if you have an exclusionary waiver on your policy, if you'll be having elective surgery not covered by your health insurance policy, or if you have a high deductible plan.

What is the Risk?

According to the Institute of Medicine, over 100,000 accidental deaths occur in hospitals every year. And that's here in the U.S. Hospitals are a dangerous place to be, and you want to spend as little of your life in one as possible. So there are risks everywhere, and probably greater risks outside the U.S.

But the magic of the free-market does give you some protection. There is a lot of money flowing to countries and international hospitals that practice high-quality medicine. If a hospital does not provide quality service, you can bet its customers will go elsewhere, particularly if they are choosing among anywhere in the world.

The influx of foreign patients (and money) is enticing more western-trained doctors to return home, so the choices are actually increasing, and the quality and prices continue to improve. I believe that if you use care in choosing your provider and structuring your treatment, the risks are no greater than having surgery here in the U.S.

How to Research Your Options

Keep in mind that most health insurance plans still will not cover for treatment outside the U.S., particularly if you are traveling specifically to receive medical care. So check with your insurer if the cost of the treatment is going to exceed your deductible.

The Joint Commission on Accreditation of Healthcare Organizations certifies hospitals here in the U.S. Their international division, Joint Commission International, certifies hospitals throughout the rest of the world. Make sure the facility that you are considering has been certified by them.

Then check out your doctor. Confirm that he or she is English speaking, and was trained in the U.S., U.K., Australia, or Germany.

Finally, consider hiring a consultant to help you choose the best hospital and surgeon for your needs. A good service will not only set up the treatment, but can also arrange all travel plans, meet you at the airport, and act as your liaison while you are being treated.

If you spend money from your Health Savings Account to pay for international medical care, the amount you withdraw is tax-free. Health Savings Account regulations also allow you to cover the cost of your travel if the reason you are traveling to get medical care is not "for purely personal reasons."

When choosing how to manage your health, you should carefully consider all your options. International travel is a great option for people with Health Savings Accounts.

Wiley Long - President, HSA for America (http://www.health--savings--accounts.com) - The nation's leading independent health insurance firm specializing in individual and family coverage that work with Health Savings Accounts.Oriana Blog72110
Pippa Blog16018

How To Minimize Stress During World Travel and Tours

With world travel the very first thing you can do to reduce your stress levels is to have a travel agent you can trust. This is because you have no idea of all the rules and regulations that are going to come up during your world tours. Having an agent that you trust is a great source of stress reduction. This is because you do not have to worry about all the little details and the infinite amount of paperwork and changes that come up. A good travel agent can advise of things like your passports, visas, shots and immunizations, as well as providing tips on local customs and culture so that you can fit in more easily when you arrive.

There are a number of travel sites out there and the most popular ones deal with getting you the cheapest flights and hotels. This is great and wonderful for what they do and they are good at it. They however will not make sure that all the little details are taken care of or provide the personal touch that other sites and agencies can. I have found that world-travel-tour.com is one of those sites that does a good job of keeping their eye on all the small details.

World travel these days can be a very scary thing filled with all kinds of stress because of the events in the news. A good agent is aware of all those things and will do everything to make sure that you are safe. Your world tour will be enjoyable and relaxing when you have the assistance of a knowledgeable agent. Here are some other things to consider while on your world tour.

Make sure you have your schedule set and that you did allow yourself some "me time" in all the hustle and bustle of the trip that is something that can be easily forgotten. Keep your schedule realistic, these tour spots have been there for thousands of years and they will be there when you get to come back. Make sure you have a list of your medications and doctors so that if something should happen you can get proper treatment.

Bring a good book to read since the flights are long and you will have plenty of time to read and sleep. Make sure you get a good night's sleep before you head out on your flight. Even if your world travel is for business, schedule yourself some time for yourself to enjoy the new location you are in, instead of just trying to cram in back to back meetings and appointments. You will be able to enjoy being in the place you're at for the meeting and be well rested and be able to work better in the end.

Relax and enjoy your world tour and find all the secrets the world has to offer. If you go to world-travel-tour.com it will be a good start to finding what the secrets are. The secret after all is that this world travel stuff really does not have to be filled with stress and doubt. If you want that, then go to work, world travel is about stress free time for you.

Jon Arnold is a computer engineer who maintains many websites to pass along his knowledge and findings. You can read more about the stress of world travel and tours at his web site at http://www.world-travel-tour.com/ Orelle Blog88959
Rafaela Blog33755

RV Travel Tips For The Beginner And Seasoned RV Enthusiast

Theres never been a better time to take up the RV life. Whether youre a weekend wanderer, a snowbird or a full-timer, theres an RV to suit any travel budget and any taste. With baby boomers starting to hit retirement age, more and more people are taking to the road with their motor home, RV or travel trailer. The Recreation Vehicle Industry Association recently reported that nearly 8 million American households have and RV, motor home or travel trailer and that there are as many as 30 million RV enthusiasts in the US.

Seeing the country in an RV offers many benefits to the traveler looking for an affordable and exciting way to spend quality family time. According to one study, a family of four can save up to 74% traveling by RV instead of more conventional ways. And with more than 16,000 public and privately-owned campgrounds in the US, theres a site to fulfill everyones vacation fantasy, whether its an oceanfront view, hiking trails, casino gambling or tennis.

RV travel is easy to learn, and once youve got the hang of it, therell be no going back! Here are six helpful tips that will come in handy for both the beginning and seasoned RV enthusiast:

Map it Out

A large part of the RV appeal is the exhilarating freedom of the open road to go wherever you want, whenever you want. But it helps to have a solid travel plan in place. If you know where youre heading, you can determine the best route, which offers the most interesting places to see. Look in travel guides, contact tourism boards in states youll be passing through, and search on the Internet. Make sure to have the correct road maps with you; a GPS system is a good idea as well, especially if youre new to this kind of travel. If youve carefully designed the route youll be taking, it makes it easier to do spur-of-the moment things like checking out that oddball museum you just spotted on a roadside billboard!

Have A Checklist? Just Checking

During your pre-trip prep, in addition to working out what needs to be in the RV, put together a thorough checklist of things to do when setting up at a campground. There are the basics, like finding out where all the campground connections are, making sure your RV is level and properly hooking up your water, gas and electric systems but dont forget comfort concerns, like making sure youve packed your favorite CDs and DVDs and those new lawn chairs. Equally important, you should have a second checklist of what has to be done when you break camp, both in terms of setting up your RV for departure (quick hint: when you think the job is done and everything is ready, check again).

Be Prepared - Have A Just-For-The-RV First Aid Kit

Always make sure you have a fully stocked, up-to-date, just-for-the-RV First Aid kit, and keep it in an outside storage compartment. It should include basic medical supplies (bandages, ointment, OTC pain reliever, insect repellant, scissors, etc.) and items like a flashlight, paper and writing implements, and a disposable camera in case you have to take photos of an accident site. If you dont feel up to the task of putting one together yourself, an extensive range of ready-made First Aid kits are available for purchase. Also include an emergency supply of must-have medications and a list of important contact names (family members, doctors, insurance agents etc).

Camping with Kids

If youre traveling with children, make sure to set aside time during the day for outdoor activities, as even the roomiest RV can be confining for kids. And give each child his or her own space in the RV, no matter how small, for personal stuff and toys and games. RV traveling is a unique opportunity for your children to see new and different places and faces. There are often plenty of other kids at campgrounds but be sure to walk around a new campground with your children when you first get settled there. They need to know which campsite youre in and how to find it from other places on the grounds. If youre also taking the family pet, check beforehand to see if theyre allowed at the campground

A Little Help From Your Friends

When in doubt, ask your fellow RVer. However well-traveled you might be, odds are theres someone youll meet along the way who has been somewhere you havent, solved a problem you havent yet encountered, or spotted an out-of-the-way delight youve never heard of. No matter how much research youve done, theres bound to be a campsite you havent read about, a storage system that has escaped your notice or a funny anecdote that youll laugh about for years to come. The new folks you meet may or may not become close friends for life, but theyre an important part of the journey.

John Noble is the Marketing Consultant for Sky River RV Inc - a California-based sales and service RV dealership featuring Itasca and Airstream RV, motor home and travel trailer units. For 100% customer satisfaction and personal customer care in new and used RV sales, repair/service, parts and RV rentals that has placed Sky River RV a cut above the rest in RV dealers in California go to http://www.skyriverrv.comPaule Blog12808
Quinn Blog99506

Loans For Every Occasion: Home Loans, Payday Loans, Student Loans And More...

At some point in life, it is almost guaranteed that you will be applying for a loan of some sort. Paying cash for products and services is not only becoming obsolete, it's terribly inconvenient. Today, credit is a way of life, and as more and more people begin to shop online, plastic is the currency accepted everywhere.

The most basic of loans is of course, the credit card. Companies that issue credit cards make money every month that you carry a balance, and they are betting on the fact that you won't pay off the balance every month.

Some loans actually make good business sense. Why would anyone want to shell out $300,000 for a new home when they could get a Home Loan and pay $1,000.00 a month, and then deduct the interest paid from their income taxes? That three hundred grand could be put to work in other investments, and could conceivably earn more for you than you are actually paying for the house! And all that time, if you time it right, your house becomes more and more valuable.

There are also times when for many people things just arent going well financially. An unexpected expense occurs and you find yourself just coming up short on your living expenses. Many types of loans exist for this type of situation, both secured and unsecured.

Maybe you just need some quick cash to get through the holidays, and intend to pay the loan off within the next few pay periods. Companies offering short term Payday Loans abound both on the Internet and off. Some with no credit check will transfer up to $1,500 into your bank account within 24 hours.

Student loans, auto loans, small business loans, personal loans, home loans, second mortgages, payday loans, government loans, bad credit loans, loans to consolidate other loans there is a loan for just about any occasion out there.

The question is how much are you going to pay for your loan? And the answer to that depends in most cases on your credit history.

Your Credit History: Weather or not you get the loan, and how much it will cost you.

It is never too early to start establishing credit, and the best way to do this is with a credit card. If you are finding it difficult to obtain a credit card because you have no history, you can always buy your history by applying for a secured credit card or line of credit. Put down $500 or $1,000 and borrow against it. Make sure the institution you are applying to reports to the major credit bureaus, use the line of credit and pay your bills on time, and voila you have a credit history! There is nothing wrong with carrying a balance over, just pay the minimum or a bit more, and pay it on time! Creditors like to think they will be making some money off of you.

What Lenders are Looking For

While different institutions have different criteria, there are some generalizations one can make about how they determine the creditworthiness of an applicant. Make no mistake about it; creditors are in the business of making money. If your credit is less than perfect, it doesnt necessarily mean you wont get the loan, but you will be paying more for it!

After receiving your application, a lender will then acquire a credit report from one of the three major credit bureaus, Equifax, Trans Union, or Experian. This is your credit history. Taking into account such factors as your income, the balances in your checking and savings accounts, the assets you own, the length of time you have been at your current job and place of residence, the amount you owe other creditors, and how promptly you pay your bills, the potential lender will then make a determination on if you will get the loan, and how much they will charge you for it.

Frequent late payments, bankruptcy, repossessions, legal judgment liens, or accounts being turned over to collection agencies do not bode well for obtaining a loan. That being said, most creditors realize that life happens, and such legitimate circumstances like an unexpected illness, injury, or the loss of your job do not necessarily reflect negatively on your creditworthiness.

When Things Take a Turn for the Worse

If you are in the process of paying on a loan or loans and one of these unforeseen circumstances befall you, talk to your loan officer. Most loan institutions find it in their best interest to work with the lendee, and will often make the necessary arrangements to make it easier for you to make your payments. Just remember, they want their money, and the last thing they want is for you to default on your loan, or heaven forbid, declare bankruptcy!

Michael Talbert is an author that writes on a variety of topics. Visit The Loan Station at http://www.Loan-Station.net for more information.Pippa Blog51307
Rebe Blog30919

Work At Home Mom Opportunity

When it comes to work at home moms and opportunity, there is no shortage in supply. Many people choose the route of a home based business opportunity. This allows you to sell a product or operate your own business, a fast and steady trend is the world of affiliate programs. Thanks to the internet, this trend is showing no signs of slowing.

Yes, there are many work at home moms that have grasped the opportunity to work at home, breaking free of the nine to five desk job. However, for whatever reason, many other women have not yet taken the opportunity to become a work at home mom, therefore there are many opportunities available. Some women might shy away from becoming a work at home mom, because the opportunity of a home based business does not always provide a steady paycheck or guarantee success. Furthermore, even if considered a work at home mom, it does not always mean that the opportunity you grasp, will keep you at home twenty-four-seven.

Time away from home

In general, a work at home mom will have to spend some amount of time outside of the home sharing the opportunity with others. For example, if you were involved in a Direct Mail Service opportunity, you may have to drive around town finding other businesses that would use your service. Almost any opportunity will require you to travel away from home occasionally.

Freelancer

The opportunity of a freelancer has appealed to many work at home moms. This has proven to be a fabulous method of earning an extra income, while staying at home much of the time. Freelancing covers a large amount of opportunities such as telecommuting or home-based business. As a work at home mom taking advantage of the freelance opportunity, you will be able to take advantage of the flexibility offered to most business owners. Generally, as a freelancer you are not selling any products. Essentially, you are selling yourself and the skills you posses.

To become a freelancer, you must possess a skill that is developed, valuable, and marketable all at the same time. You must be able to provide a service to companies that is needed and let them know you are the one they need. Many companies both large and small are looking for freelancers for different projects. There are many reasons they do this. For example, they may be looking for a cheaper route or perhaps they do not have an employee capable of doing that specific project. Many work at home moms are taking the freelance opportunity to get involved with web programming or website design.

Victoria Hargis has over 10 years experience in internet marketing and is the CEO of http://www.YourWebBizHere.com The place where work at home moms find the tips, tricks & tools to start and build their home business.Orelee Blog88064
Pepi Blog51952

Stopping the Blind

Between immigration laws and new passport regulations, some people can't get into the United States and others are having a hard time leaving. President Bush's immigration bill, the center of his remaining domestic policy agenda, came apart at the seams yesterday and will most likely not be revisited any time soon. The bipartisan bill seems to have been dismantled by an even stronger bipartisan effort, perhaps redefining the term "business as usual," even by Washington standards. Meanwhile, Homeland Security and the State Department are engaged in a turf war over implementing new measures for passports use by U.S. citizens, resulting in a backlog of unprocessed documents for people ready to travel. Those measures have been temporarily relaxed for those traveling by air to Canada, Bermuda, the Caribbean and Mexico who have already applied for their passports and have a receipt for the transaction. God help you if you have travel plans in the next few months and you delayed applying because you may be stuck. Or, as Rep. Heather Wilson (R-NM) so succinctly put it, "To say people must have a passport to travel and not give people a passport is right up there in the stupid column."

Interesting that these two issues sat side by side on the front page of my local newspaper this morning. Interesting, and not all that coincidental. We are at odds with ourselves these days over who should be allowed into our country and for what reasons. So it is not surprising that the desire to know where all of our own people are at any given moment would come back to haunt us in such a basic way. Some might call this passport nightmare a bit of political karma, or even poetic justice in the "what goes around, comes around" school of thought. We want to control who has access to the wealth and opportunities our country has to offer, but we are now potentially either held captive or not allowed back in if we leave because our government can't keep up with its own paperwork. One could also make a good case here for bitter irony.

The gospels contain a number of stories surrounding Jesus' interactions with his followers that speak of this same human need to present their own interests while shoving others aside in the process. One such case was while Jesus was traveling with his disciples. "As he drew near to Jericho, a blind man was sitting by the roadside begging; and hearing a multitude going by, he inquired what this meant. They told him, 'Jesus of Nazareth is passing by.' And he cried, 'Jesus, Son of David, have mercy on me!' And those who were in front rebuked him, telling him to be silent; but he cried out all the more, "Son of David, have mercy on me!' And Jesus stopped and commanded him to be brought to him and when he came near, he asked him, 'What do you want me to do for you?' He said, 'Lord, let me receive my sight.' And Jesus said to him, 'Receive your sigh; your faith has made you well.' And immediately he received his sight and followed him, glorifying God; and all the people, when they saw it, gave praise to God (Luke 18:35-43)."

By the time Jesus encounters the blind beggar on the way to Jericho, he has begun talking with his disciples about what lies ahead for himself and for them. Needless to say, they aren't quite getting it, having become so wrapped up in the ongoing saga that had become their lives. Thinking past experiencing day-to-day events as they unfolded may have never occurred to them. But for the larger communities among which they traveled and worked, Jesus' arrival, and subsequent teaching, preaching and healing, would have potentially been a one time only event. It is more understandable in this context to see that some people would do anything in their power to be a a part of the moment, even telling a blind beggar to shut up while pushing him out of the way.

While understandable, it didn't pay off as expected. The blind beggar didn't comply, Jesus heard him, and he had his moment to state his request. Interesting that he asked to receive his sight , and Jesus used the same language in return, adding that the man's faith had made him well. Is this blind beggar our own vision of a pious, faithful believer? He was loud, insistent and completely uncaring of what anyone else thought of him. His entire focus was on laying claim to his opportunity to trust his faith and be healed by Jesus. But most importantly, he didn't limit or take away anyone else's chance to connect with Jesus or also be heard. He furthered his own cause at no one else's expense. Perhaps that is why Jesus heard his voice above so many others that day. In trying to subvert another's access to Jesus' presence and power, more than a few people likely left empty handed.

What does our own desire to control our borders to an unprecedented degree tell us about ourselves? What do we become when we think shutting people out of our country is a good thing, while expecting to be welcomed to other people's countries with open arms? When we make choices to exclude people or deny them access to the United States, what part of our faith are we suspending to shove people out of the way so our own interests will be protected?

The blind beggar's story ends on a happy note. He receives his sight, follows Jesus and glorifies God. And somehow the crowd which witnessed the miracle of new sight in one man was changed too, and praised God as well. Those who had scorned and disrespected someone more vulnerable than themselves were also healed and transformed. Perhaps we can be healed as well, lifted up from our bunkers of fear, back into the light of hope and grace. We just might be able to reclaim our strength as a country that invites people to become, and in the process, we may also reclaim our own freedom to come and go as we please, passports in hand.

As an ordained minister, Rev. Kemp has worked in both pastoral and educational ministries in several congregations. Her ministerial background and love of writing have combined to develop Creating Women Ministries, a website dedicated to encouraging theological dialogue, particularly among women, through workshops, journaling and personal spiritual development. Her book, You Don't see Many Chickens in Clearance: Essays on Faith and Living, is available for perusal or purchase at http://www.chickensinclearance.com. Visit Creating Women Ministries at: http://www.creatingwomenministries.com for the e-book edition. Questions? Thoughts? Musings? She can be reached by email at: creatingwomen@irun.com.Ranique Blog16609
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Decorative Candles Add Warmth and Comfort to Your Home

If you're decorating on a budget - and who isn't these days - candles are the perfect inexpensive accessory to add warmth, comfort, and elegance to your home. If you haven't shopped for candles lately, you may be surprised at the variety of types of candles that are available. Here's just a sampling:

Taper Candles

Taper candles are the traditional candles that fit in candlestick holders and add a touch of romance or elegance to the dinner table. They're perfect for weddings, as taper candles come in a wide variety of colors that complement autumn, spring, and summer weddings. Although taper candles come in a variety of lengths, the standard length is 12 inches. When shopping for taper candles, look for those that are fragrance free, smokeless, and dripless. You don't want the scent of the candles to overwhelm your dinner guests' palates, and you certainly don't want wax puddles on your good table linens!

Votive Candles

Votive candles are wonderfully diverse. Once associated only with churches, today votive candles are a wonderful accent to the home. When placed in votive candleholders, you don't have to worry about wax drips and spills. Because of their small size, more is always better. Place a dozen around your bathtub and enjoy the luxurious feeling of a relaxing bath by candlelight. Line them up in varying heights on your fireplace mantle to add a warm glow to your living room. Votive candles come in a wide variety of scents, so you can control the mood of your room. Go for the strong scent of magnolias in the summertime, and the cozy scent of vanilla in the winter.

Globe Candles

The round shape of globe candles can add the perfect touch of elegance to your home decor. They are available in a wide variety of colors to complement your decorating scheme, and are often lightly scented to add a fresh or warm ambiance to your room.

Pillar Candles

As their name implies, pillar candles are chunky columns - candles that are the perfect inexpensive home accessory. Because the come in any number of varying heights, pillar candles are perfect for arranging in sets. Remember to always use three or five candles when creating a pillar candle setting, as the odd number draws the eye's attention and is aesthetically pleasing.

Floating Candles

If you have a pool, consider incorporating floating candles into your party decorations. At night, the light on the water has a dazzling effect - one that will help make your party memorable. Whether you're serving appetizers or dinner outdoors, or whether your dining room overlooks the backyard, floating candles will capture the attention and imagination of your guests.

Tin Candles

If you work involves traveling, you no doubt tire of sterile hotel rooms. Travel candles come in tins with covers, and allow you to take a bit of home with you on the road. Tin candles come in a variety of scents - from avocado and vanilla to green tea and ginger - and in a small size that's easy to tuck into your suitcase or overnight bag.

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Simple Tips To Save Gas

To most people, the most obvious way to save gas is buying a new car that gets better gas mileage. But before you head to the dealer to make your trade-in, you should know that there are easier ways to save money on gasoline.

Do you stop short at traffic lights and then make a jack-rabbit start? Do you weave in and out of traffic? Driving more sensibly can save you 5%-33% on your gasoline costs. Driving the speed limit can save you another 7%-23%. It is estimated that every 5 miles you drive above 60 miles per hour is comparable to spending an additional $0.20 on gas. Using your cruise control can also save gas since it regulates your speed. Additionally, using your overdrive gears when climbing hills can help. Excessive idling wastes fuel as well so you might want to consider turning off your car if you need to wait for someone or are completely stopped in traffic.

If you're carrying around a lot of junk in your trunk, now is the time to clean out your car. Every extra pound you carry in your vehicle reduces your gas mileage. This formula applies more accurately to small vehicles rather than larger ones, but the total savings of reducing the weight in your car by 100 pounds is 1-2%.

Keeping your car properly maintained can improve your gas mileage as much as 19%. Visit your mechanic to check if your car is properly in tune and that there are no major mechanical problems detracting from your gas mileage. Discuss a schedule for changing your air filter, as this can improve mileage by up to 10%. Perhaps the simplest mileage savings comes from keeping your tires properly inflated. Purchase a tire gauge at your automotive supply store and learn to use it!

Many employers are now offering their employees the ability to telecommute and work from their home offices. Telecommuting just one day out of ten will obviously save you 10% on your gas costs. Carpooling, ride-sharing and public transportation are also ways to save gas, but these things may not an option for you due to scheduling conflicts. You can still save gas by avoiding rush hour commuting, combining errands into one trip and arranging your route to avoid backtracking.

Many families are unwilling or unable to give up their annual driving vacation, but can save money by making sure their car is properly maintained as described above and by driving the speed limit. Additionally, using a top carrier causes drag and can reduce efficiency by as much as 5% in addition to the reductions caused by carrying extra weight.

Jonathon Hardcastle writes articles for http://iautomotiveworld.com/ - In addition, Jonathon also writes articles for http://recreationsource.net/ and http://totallytraveling.net/Pattie Blog41192
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Supporting Our Troops at 400 Percent Per Year

The cash advance industry is a tremendously profitable business. In the late 1990's, the industry was hardly known, but thanks to a predominantly Republican Congress and state legislators that tend to be business-friendly, these businesses have enjoyed explosive growth in this decade. The number of payday loans stores has grown fivefold in the past six or seven years, and the number of stores in the United States now exceeds the number of major fast food restaurants. You can find these stores on nearly any corner in most cities, but there are few places where you will find them bunched together more than you will near military bases.

It turns out that our men and women in uniform are among the most profitable customers for payday loan stores, and so far, little is being done about it. The reasons are fairly simple ones - military people are relatively poorly paid but see paychecks on a regular basis. They are the ideal customers. They always need money and they always get paid, so the chances of defaulting on loans are smaller than for other sectors of the public. Studies show that members of the military are three times more likely to take out a payday loan than members of the public at large.

California's legislature recently killed a bill that would have attempted to regulate these loans by placing caps on interest rates at 36% per year. The bill failed, partly due to intense lobbying by the lending industry. Thirty six percent per year may seem reasonable; after all, most credit cards charge about half that rate for cash advances. The lending industry claims that it cannot make money at such rates, due to the high default rate on payday loans.

Similar attempts to regulate the high interest loans have failed in other states, such as New Mexico. At the urging of the Pentagon, Congress has discussed a bill that would affect payday loan stores near bases on a national basis, but so far, no action has taken place. This is unfortunate, as soldiers who are overly concerned about their finances at home are not only potentially distracted from their mission at a time when they need to be focused, but also present security risks. Soldiers who have jobs requiring security clearances are regularly screened for possible problems that might leave them susceptible to blackmail, and one of those problems is financial trouble.

It is good to know that the cash advance industry is doing well. Is it really necessary that they earn their record profits at the expense of our men and women in uniform or our national security

©Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including http://www.End-Your-Debt.com, a site devoted to debt consolidation, credit counseling, payday loans and personal bankruptcy.Peggie Blog77527
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Vacation Cruise: 5 Basic Steps of How to Get the Best Deal

What could be more relaxing and a romantic vacation than going on vacation on a cruise ship. If you are considering taking a vacation, taking a cruise should be on your list. It is a great way to spend vacation with your family or consider it as your honeymoon getaway. Many people would really like to go on a cruise because of the beauty and comfort this type of vacation can offer.

Getting the best deals for the vacation cruises is really a great opportunity. To discuss further here are some of the basic steps on how to get the best deals on any vacation cruise.

1. The very first thing to do is to arrange a cruise during the off seasons. As much as possible keep away from the peak seasons of cruise vacations. It would be better if you can schedule your time three to four weeks away from the peak seasons.

2. Choose which type of cruising ship to use. There are some traveling agencies that push a specific line for different reasons. It would be great to do a little homework and research first. Comparing the shipping lines fees and services will save a lot of money.

3. As much as possible do not be misled with honey-sweet publicity that promises so much for nothing. Talking with the right travel agency can give very important information that can result to significant savings.

4. Have a vacation cruise quotation that comprises the port fees and tax revenues. If the traveling agency fails to give that certain information, look for another agency. There must not be hidden fees and uncertain collections. Beware of the port fees that run a couple of hundreds of dollars each for each person. The port fees must be stable and consistent.

5. Inquire in travel agencies that specialize in cruise travels and vacations. A good travel agent can provide you with great cruises that can suit your tastes in travel. He or she can find the best cruise available with your budget. Tell your travel agent on how much you are willing to spend on a cruise and how many will be traveling with you. They usually can always get you the best deals possible even in your limited budget.

There is something that you should keep in your mind. A real bargain is not solely base on the price alone but it should be based on how you are pleased with the trip. If in the end of the trip you feel that the cruise exceeds your expectations and you go home happy and satisfied, then thats a real bargain. Going on cruise vacation should be enjoyable and relaxing. It is a failed vacation, if you didnt get what you expected, even though it was cheap.

Wah Yuni is a writer for Vacation Cruising which is an excellent place to find cruises links, resources and articles. For more information go to: http://www.vacationcruise.cosmomatrix.comPepi Blog62605
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Cheap Bahamas Vacation: Regain your sanity

If you have worked hard, earned some time off and need a vacation to reenergize yourself then a Cheap Bahamas Vacation is the only way to regain your sanity. A trip to the Bahamas does not have to also mean a trip to a loan officer. The beautiful islands offer vacations for every budget. Even those with little to spare can make their way to the beautiful beaches by finding a cheap Bahamas vacation. Bahamas Cheap Vacation also offers you wide variety of activities such as swimming with the dolphins, thrilling water sports, deep sea fishing and some of the best beaches in the world.

A cheap Bahamas vacation does not mean a lower standard of living. You will get all luxuries and facilities that make a vacation complete and enjoyable. The cheap Bahamas Vacation package will take you to the islands considered one of the most beautiful in the Bahamas with high cliff, densely-forested foothills and deserted exotic sand beaches. In addition to cheap Bahamas vacation rentals, the Internet also offers many Bahamas vacation deals as websites are always publishing new Bahamas vacation deals. Cheap Bahamas Vacation often have last-minute vacation deals that offer spontaneous travelers a lower-price airline ticket so that they may not miss a chance to visit the land of exotic pink and white beaches.

An even better vacation in the Bahamas option would be to select a Cheap Bahamas vacation package. You can enjoy not only the affordable airfare with a Cheap Bahamas vacation package but also the finest hotel accommodations and additional facilities. Unless you have had prior experience with a vacation in the Bahamas, the assistance from a travel agent or cheap Bahamas Vacation organizer would help to get rid of many of the unknown burdens by booking everything yourself. They can also provide insight into some of the more popular attractions so that you may not miss a single moment to grab the view this beautiful island.

Plan your vacations to Bahamas with cheap Bahamas vacation packages and enjoy your vacation to the fullest without putting an extra burden on your pocket. Now you dont need to be hard pressed to beat the amenities found with a vacation in the Bahamas because cheap Bahamas vacation packages offer you a wide range of facility to make your vacations memorable. Regardless of whether if you plan to leave immediately or planning a vacation month in advance, it is always a good idea to purchase cheap Bahamas Vacation packages, as such packages often mean a savings over vacation arrangements purchased individually.

The Bahamas is no longer a vacation destination only for the well-to-do now its in the reach of every person who wants the full utilization of their hard earned money and precious time. Thanks to Cheap Bahamas Vacation organizers who provide cheap deals to suit any budget. A vacation in Bahamas could be just the thing to ease your hectic life. So take a break.. Enjoy a vacation in Bahamas: A tropical paradise, and ease your hectic life.

Suzane Gray has been offering Bahama travel and vacation packages advice for quite some time.To find bahamas golf vacation, grand bahamas island,cheap bahamas vacation package that best suits your needs, visit http://www.gobahama.comOthilie Blog42116
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Mistakes Women Make With Their Online Dating Profile Photo

Millions of single women are making these online dating profile photo mistakes. Your photo is the most important part of your profile. Men are instantly attracted by the way a woman looks. If they don't know what you look like, what do they have to be attracted to. It won't be your user name if you have no visual stimulation.

The most common error on a single womens profile photo is it's taken from too far away. Usually these are holiday snaps where the woman is standing next to large rock or statue. There's always something else to make them look even smaller in the photo. No one can see what they look like, all they see is the next photo.

Next common mistake is the photo is too dark. Most of the time this is due to too much light coming from behind you. With a combination of being too far away as well there was no point in uploading the photo in the first place. Men want to see you and you're beauty.

This one is unbelievable. Single women actually put a photo on their online dating profile, and they're cuddling another man in it. How many other men do they think will find that attractive. Single men will not take the time to join an online dating service to then click on a photo that has a picture of a women enjoying herself with another man.

Another not-so-good idea is to put something else in your photo space instead of you. You get puppies, kittens and well known actresses. Puppies and kittens are cute but that won't make someone want to get in contact with you. Even more so if the photo next to yours has an attractive lady for the single man to click on.

Seeing only a small part of your face won't help you either. You see lots of photos where it looks like the bottom has been cut off. Sometimes you might even just see a single woman's left eye, or just their eyes and forehead.

Some single women will upload a photo with their face blurred out or just missing. Men don't find this attractive. All they will ask is, why aren't they showing there face? There can only be a few reasons for this, and none of them will be good.

A small collage of someone's favorite photos gets used sometimes. So they have 5 or 6 photos in their 2 inch square profile photo space that no one can see properly. Only they will know why they didn't upload them all separately. And they're the only ones that don't know why they're not getting any e-mails.

A group photo is another classic mistake. How does anyone know who the single women is if there is more than one person in the photo. Some have 5 or 6 women and men in the photo.

And last but not least is the single woman you takes a photo of herself in the mirror. Then uploads her new photo of a body with a big flash as her head.

If you're a single woman using an online dating service for the first time try and not make any of these mistakes. If you upload a nice clear photo of only you from at the very most waist up you will get far more clicks on your profile. It doesn't matter how attractive you are or feel you are, there will always be someone that is attracted to you. Providing they can see you.

For more online dating tips and advice visit - http://www.the-online-dating-reviews.com

Jason King is the webmaster for The online dating reviews. http://www.the-online-dating-reviews.comReine Blog92250
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