1.: Gambling Addiction Can Ruin You

Posted by: "Shanat Kuphur" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 8:12 am (PST)

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Article Title: Gambling Addiction Can Ruin You
Author: Shanat Kuphur
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Everyone in this world wants to make money; easy money is
something that involves a hell lot of risk. Gambling is said to
be the thing that can make you rich but can also make you
bankrupt. When in Vegas people say nothing is better than the
gambling casinos in Vegas. A place where a person might come as
a pauper and leave with a money but what happens in a reverse
scenario, a person that is supposed to be a millionaire might
become a beggar. Gambling is a common thing with many people
around who spend money on betting, some turn out to be the
winners and some loose. A visit to a casino doesn't mean that it
is a bad habit, it is just the testing of ones luck. But a
frequent visit to a gambling station would mean that you are
addicted to gambling. The legal gambling industry is on an all
time high in America. Where you get gambling casinos in your
home town, and the Internet that seems to have made the world
small.

Gambling can be of various types such as at casinos, card
rooms, mobile gambling, Internet and many various types of
gambling that people are addicted to. Gambling involves a lot of
stake where your money is put to the ultimate test of dragging
in along more money but this might not turn out to be the case,
and you might find yourself loosing. Your luck is tested and
said to turn negative, but it is not that you were unlucky. In
fact you were foolish where you kept on loosing even though
there were no signs of winning and then you start cursing
yourself by saying that you are a person that has all the ill
luck in the world. A pathological gambler will find problems
such as family ones, debts, suicidal tendencies and many more.
In order to triumph over your bad habit of gambling problem you
can look for help from a hypnosis session that you can conduct
your self.

Gambling is looked upon as an illness that is chronic and
progressive but can be treated with timely help. Hypnosis is
said to be the solution to your problem as in the past it has
treated many addictions such as alcohol, drugs, etc. Gambling is
also stated as an addiction. One that is addicted by gambling
can get help with hypnosis treatment. A victorious person or a
businessman might have nothing left other than debts if he is a
constant gambler. If you are a person who is addicted to
gambling then you should look for the mp3 download. They are
sought after by many people all around the world for its overall
success to overcome gambling addiction. Mp3 downloads helps your
stressed and anxious mind set free and stop doing wrong things
and take in only things that which have positive results. These
will calm your nerves and enable you to perceive life with a
correct approach. It helps you control and stop your inkling
towards gambling.

About The Author: For more information on gambling problem and
gambling addiction check the link -
http://www.richardmackenziedirect.com/Gambling-Addiction-Hypnosis.htm

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2.: Czech Republic's Ten Beautiful Places To Visit

Posted by: "Jonathan Williams" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 9:11 am (PST)

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Article Title: Czech Republic's Ten Beautiful Places To Visit
Author: Jonathan Williams
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The Czech Republic is a country located in Central Europe. It
is bordered by Germany, Austria, Poland, and Slovakia. This
country is further divided into three regions; namely, Bohemia,
Moravia, and Silesia. The Czech Republic has lots to offer its
visitors, and here are the ten beautiful places that are a
must-see in this country.

1.) The Prague Castle

This is recognized by the Guinness World of Records as the
largest and oldest castle in the whole wide world. This is a
very impressive castle that seems to be guarding the city below.
You can also see here the St. Vitus Cathedral as well as other
smaller palaces.

2.) Charles Bridge

This is only one of the many bridges in Vltava. It was
constructed during the 14th century and is considered as oe of
the most stunning bridges in Prague. During the day, it is nice
to stroll along the Charles Bridge and get to enjoy the many
stores and restaurants and bars that are located here.

3.) The Old Town

If you want to see what an ancient town looks like, then visit
The Old Town. This is also considered as Prague's historical
center as it houses a lot of historical buildings as well as
monuments, the most popular of which is the Astronomical Clock
or the Orloj. There are also a lot of historical churches that
you can visit here.

3.) Josefov

This historical Jewish ghetto is a must-visit place. Here, you
will get to see old synagogues that are well maintained, and you
will also see here the Jewish Cemetery, thought of as the oldest
cemetery in Europe. There is also a burial site that you can
visit which is said to be Prague Golem's.

4.) New Town of Prague

Its main tourist spot is the Wenceslas Square where you will
get to enjoy shops and restaurants as well as little stalls.
You can also visit the National Museum. Along the Boulevard,
you will also see parks as well as arcades and modern discos as
well as new buildings.

5.) The Lesser Town

What this offers is picturesque views of streets and old
churches. The most popular church is the St. Nicholas Church.
You can also see the famous Lennon Wall here.

6.) City Center of Brno

If you want to see more historical buildings, then go on to the
City Center of Brno. Here, you will surely enjoy the sights of
its old churches as well as theaters. You are also going to see
here numerous sculptures as well as fountains as you walk along
its streets.

7.) Spilberk Castle

This castle/fortress is located in Brno and used to be a famous
notorious prison where a lot of people were tormented and
tortured during the Austro-Hungarian Empire era. Now, it houses
a museum as well as a restaurant to dine in. There is also a
park that offers wonderful sights which you can visit.

8.) Vankovka Gallery

If you are fond of shopping, then go on to the Vankovka
Gallery. This used to be an industrial center but was later
converted to a big shopping center. You can still see some
historical industrial buildings here and, at the same time, shop
till you drop.

9.) Cesky Krumlov State Castle and Chateau

This is one of the famous tourist destinations in Krumlov.
Here, you will see the castle complex and even explore it for
free. If you want to see its interiors, then there is the paid
guided tour for you to choose.

10.) Namesti Svobody

This is also called the Freedom Square. This is the place
where most cultural events are held. So if you want to see a
cultural event, then head on to Namesti Svobody.

About The Author: Jonathan Williams is the travel writer for
Destination Guide TV - the place to share travel videos. Visit
http://www.DestinationGuide.tv/czechrepublic to view or share
Czech Republic travel videos.

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3.: Is Global Warming A Good Thing For High Altitude Ski Resorts?

Posted by: "Mark Scriven" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 9:11 am (PST)

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Article Title: Is Global Warming A Good Thing For High Altitude
Ski Resorts?
Author: Mark Scriven
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Global warming and the associated changes in climate are being
caused by the so-called "greenhouse" effect, which is raising
the temperature of the Earth's atmosphere. Global temperatures
have been forecast to increase from 1.5 to 6.0 degrees Celsius
by the end of this century. Since nine of the ten warmest years
have occurred in the past decade, skiers have been amongst the
first spots lovers to be affected by the changing climate. While
they are naturally concerned at how this may affect their sport,
they can make choices in their skiing destinations which will
increase their chance of having a good time at the snow.

Some ski resorts will get more snow

While many low-level ski resorts may have to shut down, as
reduced snowfall makes them uneconomical, high altitude resorts
such as Méribel and the Trois Vallées in France, where 80
percent of skiing is above 2,000 meters, will experience greater
precipitation and snowfall. While many ski resorts are moving
uphill and impacting on ecologically sensitive areas, high
altitude Méribel is building on its long heritage of
eco-friendly policies to strengthen and consolidate its green
ski facilities and maintain its reputation as having some of the
world's finest ski runs.

Méribel has been pioneering and instituting environmental
controls since it was established in 1938. These included green
building codes such as energy-saving roof and wall insulation,
and mandatory construction of underground parking. Today,
traffic reduction is encouraged by the provision a free shuttle
bus system and a network of cross-country pedestrian trails that
connect the various resort areas. On-piste organic toilets are a
recent innovation that helps reduce pollution.

Waste recycling is mandatory, vehicles run on bio-diesel, and
snow cannons and trail-groomers powered by renewable
hydroelectric power have been installed. At Val Thorens, the
highest resort of the Trois Vallées, the lifts are also
hydro-powered.

Many skiers choose to remain after the snow has melted to take
part in piste cleaning work at the season's end. As well,
ecologically sensitive areas are checked for damage and
replanted with appropriate species to insure, as much as
possible, that biological diversity is maintained. Around Val
Thorens, for example, over 200,000 trees have been planted in
the last 20 years.

Global Warming could strengthen higher altitude resorts

Europe's 2006–2007 winter season is on record as the warmest
since 1950, with average temperatures 2.1 degrees higher than
normal. Since resorts located below 1,500m experienced little
snow cover on their lower slopes, the media was quick to report
the end of skiing as a sport. But resorts, indeed regions, will
continue to experience good and bad ski seasons, leading to
longer or shorter periods suitable for snow sports.

With heavier precipitation, including snow, high altitude
resorts will continue to be a safe bet for snow sports
enthusiasts, and businesses here could well experience a boom as
competition from other lower resorts declines. Of course, the
greater visitation of higher areas will put strains on existing
infrastructure and the environment, but the green ethic has been
embraced by a new breed of dedicated skiers who see the survival
of their sport tied in with the survival of the planet.

About The Author: Rod Ritchie, a travel writer and editor,
writes for many publishers including AA Publishing and Fodors.
Purple Ski (http://www.purpleski.com) offer a selection of
luxury catered ski chalets in Meribel.

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4.: Setting The Path With A San Diego Golf School

Posted by: "Andy West" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 9:12 am (PST)

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Article Title: Setting The Path With A San Diego Golf School
Author: Andy West
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A San Diego golf school can be just the thing for those in the
surrounding area looking to pursue a career in the golfing
industry. Golf is not only one of the most popular sports in the
world, it is also currently one of the most popular career
choices. As the industry grows, so does the number of
individuals enrolling in golf schools.

Golf is an industry that is large enough and strong enough to
support nearly five hundred thousand jobs in the United States
alone. While some individuals work directly with the sport of
golf, others work in various branches, such as management or
public relations. The golfing industry is a wide umbrella that
covers a lot of ground and keeps expanding all the time.

An education from a San Diego golf school is just as legitimate
as any other educational venue. Unbeknownst to many, pursuing a
degree in a golf school requires just as much class time as it
does getting out on the green. Those who enroll in golf school
as an excuse to spend time out on the course will be sorely
disappointed.

Attending an accredited golf school allows the opportunity to
earn a degree in a number of different areas. Those wanting to
work closely with the game can choose to become an instructor or
golf coach. This popular golf vocation can mean finding
employment in everything from golf courses to resorts to high
schools and colleges.

There are also those who have a great love of golf but whose
skills are more suited to the areas of management and
organization. These skills can be of great use in golf course
management or even in entrepreneurial endeavors. This allows one
to still work close to golf while utilizing strengths that most
benefit the person and the golf industry.

Another benefit of attending a golf school comes in the way of
smaller classes. Without a mass of students to try and reach,
smaller classes generally have a better teacher to student
ratio. This allows for enhanced one on one teaching, allowing
students to better absorb the materials and subjects they are
learning.

When attending a Sand Diego golf school, students can look
forward to attending a school set in a very beautiful location.
San Diego is a fully modern metropolis that has consistently
ranked as one of the best places to live and work. It is a place
that is able to supply not only the basic necessities of life
but the luxuries as well.

By attending such an accredited institution, students are also
privy to all the benefits of any other college. This can mean
financial aid, relocation services and even internships and job
placement. The number and amount of benefits each student
qualifies for can be discovered with the help of a financial aid
counselor.

Once an individual defines his or her goals, the path to
earning an associate's or bachelor's degree can begin. Earning
such a credential is what now opens the doors to a career as
many employers have turned away from hiring unqualified workers.
This type of niche industry has its own knowledge and dynamics
that are usually not taught in general educations.

Attending a San Diego golf school allows students to take their
passion for the game along with their strongest skills and meld
them together. With the industry ever expanding as it is, there
are no worries of ever getting bored or stuck in a rut. As there
is a golf course in nearly every city, a graduate can take their
degree and pretty much guide their future anywhere they want.

About The Author: Andy West is a writer for San Diego Golf
Academy. To learn more about attending this San Diego golf
school, please visit http://www.sdga.edu/locations_san_diego.php
.

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5.: Venice Beach: The People Watching Capital Of Southern California

Posted by: "Hugh Parker" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 9:12 am (PST)

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Article Title: Venice Beach: The People Watching Capital Of
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The beach experience isn't always just about sun and sand. One
of the most enjoyable parts of any time spent at the beach is
checking out everything and everyone around you. At most
beaches, that means skimpy bikinis and the odd kite-flying
youngster. At Venice Beach in Los Angeles, it's a different
story entirely. On any given day, juggling street performers
delight the crowd, caricaturists draw unflattering works of art,
and straining weightlifters glisten in the heat. All of this
makes Venice unlike any other beach in the world, certain to
thrill every visitor.

"Venice of America" was created as a beach resort in 1905. The
initial grounds came complete with an aquarium, bathhouses, and
an amusement park. Developers dug several canals to drain
marshes, establishing the parallel with the Italian city of the
same name. Few of the original canals remain, but the houses
running alongside them have been renovated and restored to their
original grandeur.

From its initial development until the 1950's, the Los Angeles
municipal government maintained a hands-off policy towards
Venice Beach. As infrastructure crumbled in the latter half of
the 20th century, the city stepped in and ordered the demolition
of over 550 buildings. This rebirth infused Venice with a new
energy, and as the 1960's opened, characters from across the
board began pouring in. In many ways, Venice Beach was the
Haight-Ashbury of southern California. The liberal, free
environment gave rise to acts like The Doors.

This atmosphere still prevails today, with the population of
Venice a veritable melting pot of different races, cultures, and
attitudes. All of these people come together to make Venice one
of the funkiest spots in America.

While the three mile long beach is available for swimming,
that's not what most people envision when they think of Venice.
The most famous icon of Venice Beach is the Gold's Gym, once
home to now-Governator Arnold Schwarzenegger. Today, an enormous
"weight pen" supplies wannabe Terminators with the equipment
they require, all while spectators gawk from bleachers.

Running along the boardwalk are a number of shops and eateries
that cater to the eclectic tastes of Venice Beach residents and
visitors. You can purchase anything from t-shirts to tattoos.
That's not the only art in Venice. Most buildings are adorned
with grafittied murals depicting a variety of subjects. Formerly
a free for all, artists must now obtain permits before starting
their work.

Even though the majority of the action takes place on the
boardwalk and streets, the beach itself certainly deserves some
mention. Venice has one of the better surf breaks in Los
Angeles. Volleyball and handball courts abound, inviting you to
work up a sweat. There are also a ton of picnic benches and
tables, so takeout from any of the great restaurants on the
promenade can make for an inexpensive, fun meal.

Venice is a great spot to check out while you're in LA. Don't
be intimidated by the brawny weightlifters and tattooed
outcasts: everyone can enjoy the madness that makes up this
incredibly unique beach.

About The Author: ZaZaGallery. Located in the wine country and
I must say that our art is the buss in our community. Our fine
art prints are gallery wrapped using the finest canvas and inks
to create a museum grade art piece .Our product is unique so
visit us at http://www.zazagallery.com/oceans1.html Thank you
Hugh Parker

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6.: Aruba - The 'Island Of Aloe'

Posted by: "Justin Burch" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 10:11 am (PST)

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Article Title: Aruba - The 'Island Of Aloe'
Author: Justin Burch
Word Count: 749
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Whenever you visit the grocery store or pharmacy, it is
probably hard to miss the scores of products featuring Aloe
Vera. Known as one of the world's wonder plants, Aloe Vera has
been incorporated into many everyday products in recent decades
because of its healing properties. As the plant is used most
often as a skin moisturizer, it perhaps comes as no surprise
that world's best Aloe Vera comes from one of the sunniest and
most exotic destinations. Today, over a century after the first
plants were harvested, the island of Aruba remains one of the
world's top growers of Aloe Vera. When visiting Aruba, tourists
can see the influence of the plant in many facets of Aruban
culture, purchase the some of most luxurious Aloe Vera products
ever created and even tour the plantation where the modern
world's fascination with this wonder plant took root.

Though some might believe that Aloe Vera was native to the
Caribbean, the plant actually found its way to Aruba and other
islands during colonial times. In fact, Aloe Vera was completely
unknown in Aruba until the mid-19th century when numerous trade
vessels from Africa visited colonial Caribbean islands. Aruba's
own Aloe Vera industry started with a modest 150-acre plantation
near Hato and, within just a few decades, came to dominate the
island. By the end of the 19th century, Aruba had become the
world's largest exporter of Aloe. Today, with nearly two-thirds
of the island's surface now supporting both naturally growing
and harvested Aloe Vera, it is no wonder that Aruba is commonly
referred to as the `Island of Aloe.'

The Aloe Vera crops in Aruba are helped by the same thing that
draws visitors to the island from throughout the world each year
– the weather. After the initial crops were planted, it was
realized that Aloe Vera grows incredibly well in Aruba because
of the arid conditions and consistently sunny Caribbean
environment. As time went on, researchers and growers found that
the climate of Aruba also enhances the healing capabilities of
the plant, allowing the island to produce some of the most
potent Aloe Vera gel in the world.

Some of the best Aloe Vera products are manufactured by Aruba
Aloe, a company that still utilizes the island's first 150-acre
plantation. Six days a week, this legendary facility opens its
doors to travelers for informative tours that shed light not
only on Aruba's fascinating Aloe Vera history, but on the entire
world's historic fascination with the plant. In tracing the
legend of Aloe Vera from Ancient Egypt to Aruba's colonial
period and documenting the many historical uses of the plant,
Aruba Aloe offers curious travelers a rare glimpse into the
world of a wonder plant. During the daily tours, visitors will
also have a chance to see the harvesting of the Aloe Vera plants
and the production involved in converting the raw gel of the
plant into some of the world's finest medicinal and health care
products.

With the original 150-acre field as the company's centerpiece,
Aruba Aloe produces a full line of products incorporating the
island's purest, most potent Aloe Vera gel. Known
internationally as some of the finest Aloe-based products
available, Aruba Aloe has spent years crafting everything from
hair care products to specialized lotions and moisturizers.
Meanwhile, the company has also been on the cutting edge of
botanical research, developing new uses for the plant and
perfecting the art of harvesting the world's best Aloe Vera. If
you visit the Aruba Aloe factory when on the island, you will
have an opportunity to sample and purchase all of the diverse
products crafted from this simple, but remarkable plant.

Just as it is hard to miss the name Aloe Vera at your local
store, you will notice the impact this plant has had on Aruban
culture as soon as you reach the island. From the large plants
dotting the Aruban countryside to the scores of products and
images filling local galleries and stores, Aloe Vera tells one
of Aruba's most important stories. Though you may visit the
`Island of Aloe' to enjoy the beaches and luxurious resorts,
this wonder plant can add an exciting element to your Caribbean
vacation. After spending a few days in the vibrant Caribbean
sunshine, Aruba's Aloe Vera will probably come in handy for your
sunburn, too!

About The Author: This article was written by Justin Burch.
Justin writes select pieces about vacationing in the Caribbean
and travel in Aruba for the Marriott Resorts.
[http://marriott.com/hotels/travel/auaar-aruba-marriott-resort-and-stellaris-casino/].

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7.: Paying For A Real Estate Agent

Posted by: "James Gunaseelan" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 10:11 am (PST)

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Article Title: Paying For A Real Estate Agent
Author: James Gunaseelan
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The seller usually pays the real estate agent commissions,
which are taken from the proceeds of the sale and distributed
after the close of and by Escrow. Commissions are negotiable —
before listing agreements and sales contracts are signed, not at
closing. The percentage typically is set by local custom and the
strength of the market. Some buyers hire their own exclusive
agent and the seller either does not pay that agent a commission
or their commission is negotiated as part of the sales contract.
Working with a real estate agent offers many benefits. The only
drawback is that you will have to pay them when selling your
home. In other words, they will take a cut of the selling price
of your home. This is the number one reason that some people
decide to sell their home by owner. They want to keep all of the
profits for themselves, and this is perfectly understandable.
But with that being said, you need to keep in mind that the
small fee you will have to pay is usually well worth it. After
all, an agent does a lot of work for the money that they make.

The question is: how much money do you pay a real estate agent
when they sell your home for you? Generally speaking, this is a
question that should be answered by the agent that you are going
to do business with. After all, this can change from agent to
agent depending on the way that they work, etc. But with that
being said, there are some standard commission rates that seem
to hold true across the industry.

It is safe to say that you will end up paying your real estate
agent approximately 6 percent of the selling price. For
instance, if you sell your home for Rs.100,000 your real estate
agent will take small portion of this. Does that seem like a lot
to you? If you are like most, you probably think that it does.
But again, you need to remember what you are going to get for
the money that you are paying. Your agent will work on
everything from marketing to negotiations and much more. Working
with an agent means that you will not be responsible for a lot
on your own; and this is a good thing for most sellers.

The commission is split. Usually, the seller's agent's
brokerage gets half and the buyer's agent's brokerage half,
although other splits are possible. If the agents work for a
broker, the broker will get 30 to 50 percent of the agent's
commission (minus what they spend for things like marketing,
newspaper ads, flyers, internet ads, which comes out of their
own pockets - along with many other expenses of the daily
operating costs of their real estate business). Commissions are
the bulk of the seller's closing costs and the reason many
homeowners explore selling without an agent. If they are
successful, they'll have either no commissions to pay, or only
one — the buyer's agent — if they agree to pay the buyer's
agent. The percentage to be paid also must be in the contract.
You will more than likely pay your real estate agent somewhere
in the range of 6 percent if they are successful selling your
home. If this is something that you are willing to deal with,
you can move forward right away. Before you decide against this
because you don't want to spend the money, remember that an
agent will bring many benefits to the selling process.

About The Author: James Gunaseelan writes for rental portal
http://www.BharathRentals.com

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8.: Good For Your Dog Or Junk?

Posted by: "Lori Matthews" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 10:11 am (PST)

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Article Title: Good For Your Dog Or Junk?
Author: Lori Matthews
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As a dog-owner, have you ever thought twice about the actual
nutritional value of the food and treats you are feeding your
dog? If you are concerned about the health of your pet and loyal
companion, you should be more aware of what the ingredients are
in the dog food and products that you buy. Sadly, the labels of
most commercial dog foods don't tell the whole truth about what
they contain and unfortunately some can contain what I like to
call useless fillers. Yes, many people feed their dog not so
healthy food and they don't even realize it.

Dog food production has `developed' in the past few decades but
the life-span of these beloved animals have gotten shorter in
contrast. The reason: because these `developments' actually
benefit commercial dog food manufacturers more than they do the
dogs. It means using poor-quality and even toxic ingredients to
ensure cheaper costs of production and longer shelf life. It
means very poor nutrition for your pet so that these companies
can make higher profits.

The truth about most available dog products is that they are
made from low-grade grains, unthinkable meat by-products and
artificial preservatives that are not fit for humans and pets to
eat. For instance, substitution for meat protein and good
carbohydrates are often done with poor-quality grain meals using
soybean, corn, gluten, and wheat. These ingredients in fact
commonly cause allergies in pets. Meanwhile, the meat
ingredients typically used can include unwanted body parts of
animals like the neck, head, guts, feet, lungs, and bones. Even
harder to the stomach is that these can come from animals that
are diseased, dying or already dead and decaying. All of these
are mercilessly dumped, ground and mixed into a more acceptable
form called `meal' and made into dog food.

To add to this already unhealthy mix, chemical ingredients used
by dog food manufacturers have been found to cause early dog
deaths due to heart disease, kidney failure and certain cancers.
So why pay for junk that will eventually kill your dog?

Dogs age much faster than humans and they require the same
quality of nutrition as ours. Naturally, like any other kind of
animal, a dog needs fresh and healthy food too. The ideal diet
for your pet should consist of high-quality protein,
carbohydrates, natural fats, fiber, and even antioxidants.
Chicken and fish are good sources of protein that you can look
for in dog food. Eggs also provide protein, amino acids, biotin,
sulfur, as well as vitamins A, B, E, and K. For carbohydrates,
brown rice is an easily digestible carb-source that is now being
used as a dog food ingredient.

A new advancement in health food for dogs now includes
antioxidants in the ingredients, specifically from whole foods
like apples, carrots, celery, spinach, alfalfa leaf, and garlic.
Grape seed extract is also being used for its antioxidants that
may help slow down your dog's aging and to keep its immune
system strong. This new kind of dog food likewise has beet pulp,
which is a source of fiber and the short chain fatty acids
needed by good bacteria in the digestive tract. Lactobacillus
acidophilus in this dog food similarly aids digestion by
encouraging the growth of helpful bacteria.

By providing this kind of nutritious dog food, you can ensure
that your pet will live healthier and stay by your side longer.

About The Author: Lori Matthews studies health, nutrition and
wellness. She enjoys writing articles on health for both people
and pets. Please click here if you would like more information
on http://www.premium4pets.net healthy dog.

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9.: Online Hotel Bookings In The UK

Posted by: "Carolyn Clayton" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 10:12 am (PST)

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Carolyn Clayton

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Article Title: Online Hotel Bookings In The UK
Author: Carolyn Clayton
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Although it holds no official title, most people consider
Manchester to be England's second city. From its origins in the
Lancashire textile boom of the 19th Century, it has grown into
one of the country's most cosmopolitan cities, and is well worth
visiting for a break or weekend stay. Due to its situation, it
also serves as a useful stopping-off point for visitors to Wales
or Scotland who may wish to see some of the country as they
travel. For all these reasons, it's well worth investigating
online hotel bookings for a short stay in Manchester.

One of Manchester's premier attractions is its shopping, which
is some of the best to be found anywhere outside London. Several
high-end stores and boutiques have outlets here, and there are a
number of large shopping centres that bring together some of the
High Street's biggest and best-known shops. A good place to
start is the Trafford Centre, which features well-known names
from French Connection, Hugo Boss to Space NK and Zara. Situated
in the west of the city, it's handy for the M60 motorway and has
excellent public transport links. If you prefer to stay in the
centre of Manchester, the Arndale shopping centre is sited right
in the heart of the city, and features an equally impressive
range of shopping.

Manchester is also well known for its vibrant cultural and
music scene, and is particularly popular among young people. The
city boasts some of Britain's premier clubs, and there's a
thriving nightlife centred on areas like Duke Street. Manchester
led the revival of British clubbing in the early 90's and has
produced bands such as the Happy Mondays, the Charlatans, and of
course Oasis.

If you prefer to eat out, there is a wealth of options to suit
every budget and palate. Manchester is particularly renowned for
its Indian and Pakistani cuisine; until you've eaten in one of
the over 50 restaurants or takeaways that make up Rusholme's
"curry mile," you've not really had curry.

There are also plenty of well-to-do suburbs, places such as
Knutsford and Wilmslow, or fashionable Didsbury, just a few
miles outside the city centre. Transport throughout Manchester
is cheap and efficient, and the city's Metrolink system means
that you can get to places like the G-Mex Centre and the MEN
Arena quickly and easily. Add the network of buses and trains to
the mix, and the result is a city that you don't need a car to
explore.

The city's sporting heritage has always been a large part of
its appeal. It's home to the world-famous Manchester United, of
course, but there's much more to Manchester than Beckham and
Best. Ever since the Commonwealth Games were held in the city in
2002, Manchester's sporting facilities have been second to none.
Of particular interest is the Velodrome, a state-of-the-art
cycling facility that is widely regarded as one of the world's
finest – and fastest - tracks. The city also boasts some fine
swimming pools and ancillary sporting facilities, as well as the
48,500-seater City of Manchester Stadium, built specially for
the Commonwealth Games and now home to Manchester City football
club.

If you're looking for accommodations in Manchester, it pays to
book ahead. The city's hotels are generally of a high standard,
but it can sometimes be difficult to get rooms without a
booking, particularly in summer months, or on weekends when
Manchester United are playing, as the city plays host to an
influx of visitors from around the country, as well as from
Ireland. Online hotel bookings can take a lot of the hassle and
stress out of finding a room, and help you enjoy everything that
Manchester has to offer.

About The Author: Overnight Uk for
http://www.overnightuk.com/cityarticles/article/online-hotel-bookings-in-the-uk-1081-16-hotels.html
online hotel booking and bed and breakfast in Great Britain.

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10.: Texas UFO And Jets May Have Entered Restricted Presidential Airspace

Posted by: "Bill Knell" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 10:12 am (PST)

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Article Title: Texas UFO And Jets May Have Entered Restricted
Presidential Airspace
Author: Bill Knell
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The laundry list of strangeness surrounding the Stephenville,
Texas, UFO sightings is growing. Despite efforts by a military
spokesperson to attribute the sightings to F-16 training
maneuvers, new video shows a strange object that doesn't look or
act anything like a conventional aircraft. On top of that, a
former defense industry electronics expert now says that the
F-14s may have been scrambled in response to a violation of
restricted presidential airspace by the military.

A new video has surfaced and been presented by Stephenville,
Texas, resident Steve Allen, the owner of a freight company and
a witness to the sighting on January 8, 2008. Allen says that
the video of a strange object in the sky was presented to him by
an anonymous source and that it was taken on the occasion of the
January 8th sighting. The video appears very similar to another
UFO film taken years before which shows an object moving
extremely fast and making bizarre and aerodynamically impossible
moves. This new video evidence casts doubt on the current air
force explanation for the event.

A new scenario that might help explain one of the Stephenville
UFO sightings has entered the picture, but it's doubtful that
the Air Force or other U.S. Government Authorities will find
this one helpful in their efforts to portray the affair in
conventional terms. A former employee for a government
contractor (now retired) told the International Paranormal UFO
Society that he worked on F-16s for many years as an electronics
engineer and has his own opinion of what happened on January 8,
2008.

This informant is known to IPUS and he claims that it would be
very unlikely for so many F-14s to be on a evening or nighttime
training mission at one time. Instead, he believes that the
reason so many F-14s were involved in the incident is because
the unidentified flying object they were chasing had violated
restricted presidential airspace over the Bush Ranch in
Crawford, Texas.

Our informant bases his opinion on all the information that the
media, military and eyewitnesses have provided to date. He
points out that a previous email from a private pilot to IPUS
mentioned that he was approaching Erath County airspace (where
the events of January 8, 2008 took place) from the south and saw
the object and jets in front of him indicating that they were
approaching the area from the same direction. President Bush's
Crawford Ranch is south and slightly east of Stephenville.

IPUS is continuing to investigate the Stephenville Sightings
and related matters. We will post any new information that we
have on our website at http://www.CanYouStandTheTruth.com We
encourage anyone with information about the Texas UFO sightings
to contact us through our website or call our UFO Sightings
Hotline at 765-483-9089. IPUS Board Member and Co-Spokesperson,
Dick Criswell, is available for media inquiries and guest spots
about our investigation into the Texas UFO Sightings. He can be
reached at our hotline phone number or by email at
invader1@insightbb.com

IPUS is a not-for-profit organization dedicated to truth and
research into UFOs and other Paranormal Phenomenon. You can read
more articles about the Stephenville, Texas, UFO Sightings and
many other cases on our website. We offer a free newsletter to
anyone interested in our research. Sign up on our website.

About The Author: Bill Knell is a popular Speaker, Author and
Consultant with eclectic interests. Best known for his
Paranormal Research and Seminars, Bill also excels in the area
of personal, business and financial advice and management.
Featured in the Wall Street Journal, Omni, the L.A. Times,
Toronto Star and NY Times; seen on CNN, NBC Nightly News, Fox
Television and many Cable Networks; heard on Mancow, Bob and Tom
and Howard Stern; consultant to films like Independence Day, Men
in Black, the Fifth Element and World of the Worlds.
http://www.billknell.com

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11.: How To Save Money And Get Discount Car Insurance In New Jersey

Posted by: "Larry Nez" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 11:11 am (PST)

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The best way to save money and get discount car insurance in
New Jersey is to design a car insurance policy that's right for
you and then see how much that policy would cost from every
insurance company operating in New Jersey.

In order to do this let's start by looking at everything you
can do to build a policy from the ground up that will save you
as much money as possible.

The minimum car insurance you are required to carry in New
Jersey is Liability, Personal Injury Protection (PIP) and
Uninsured Motorist (UM) coverage.

None of these types of insurance will repair or replace your
vehicle if you are in an accident, especially if you are at
fault for the accident. If you want to protect your own vehicle
then in addition to the three types of insurance that I just
mentioned, you will also need to buy Collision insurance as well
as Comprehensive insurance.

Just so you know, driving without insurance in New Jersey can
land you in a lot of hot water. At a minimum you may be
subjected to fines, community service, license suspension and
when you do buy insurance so that you can legally drive in New
Jersey you can count on what is referred to as an "insurance
surcharge" – in other words, yet another fine.

So let's start designing a policy that will cost you as little
as possible while still giving you the coverage you need.

The first thing you need to do is to keep your driving record
clean. This means you do not have any speeding tickets or other
moving violations and that you most certainly do not have any
convictions for Driving Under the Influence (DUI) or for Driving
While Intoxicated (DWI). Even a speeding ticket will prevent you
from getting the best rates on discount car insurance, but a DWI
or a DUI will send your rates to the moon.

If you are under 25 years old stay in school and keep your
grades up. If you can maintain at least a "B" average then you
can save about 5% on your monthly car insurance premium.

Can you keep your car in a garage at night? If so there's
another big savings on your insurance.

Do you drive less than 500 miles each month on average? If so
there's no reason for you to pay for insurance while your car is
just sitting in your garage – you should be eligible for a
Low-Mileage Discount.

Do you have more than one insurance policy with the same
insurance company? Maybe you have a life insurance policy, or a
homeowner's policy with the same company? If so you should be
eligible for a Multi-Policy Discount on your car insurance.

Have you been insured with the same insurance company for at
least 5 years? If so ask for a Long-Term-Policy Discount.

Are you 55 or older? If so see if you qualify to take a special
driver's refresher course. If you qualify and you pass the test
you can shave about 10% off your car insurance bill month after
month!

Are you driving an old clunker of a car with little or no Kelly
Blue Book value? If that's the case and you are still paying for
collision or comprehensive insurance you are simply throwing
your premium dollars down the drain.

Along those same lines remember that each year that passes your
vehicle loses value according to the Kelly Blue Book. Therefore
you should lower the amount (and therefore the cost) of your
comprehensive and collision insurance each year – talk to your
agent about how much you could save by simply doing this.

How large of a deductible can you afford? Think carefully
before you answer. The higher your deductible the lower your
monthly car insurance premium, but keep in mind that however
much you set your deductible for, that is the amount of money
you are going to have to pull out of your own wallet any time
you have a claim. Make sure you can afford your deductible.

O.K., now you've got enough information to create the perfect,
low cost car insurance policy. Now it's time to get online and
find at least 3 different websites that let you compare prices
on policies between different insurance companies.

Each site wants you to think that it is comparing prices at
every single insurance company, but that is simply not the case.
If you are really serious and want to genuinely save money and
get discount car insurance in New Jersey then you're going to
have to take a few extra minutes and compare the price of your
super policy on at least 3 different websites.

Then simply pick the best price you can find and you're done!
You've saved money and gotten the very best deal you could on
car insurance here in New Jersey. Congratulations!

About The Author: My recommended sites here:
http://www.ezquoteguide.com/car-newjersey.shtml Low Cost
Insurance Quotes, Medical and Home

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12.: How To Get The Best Rates On Car Insurance In South Carolina

Posted by: "Alexis Jensen" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 11:11 am (PST)

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Everyone wants to get the best rates possible on car insurance
in South Carolina. No one wants to be caught driving without
insurance, and with the state's data-based tied into insurance
company records it is virtually impossible to drive a vehicle
without insurance without the state finding out.

Rather than risk the rather hefty fines and fees involved with
reinstating a vehicle that has been driven without insurance, it
just makes more sense to take a few moments and find some quick
and legal ways of reducing your cost of car insurance.

It all starts with what you drive and how you drive. Let's
start with the "what."

Some cars cost a lot more to insure than other cars. Before you
buy any car you need to know how much that particular make and
model is going to cost you in insurance each month. Your agent
will be happy to supply you with a list of makes and models that
cost the least to insure.

The way you drive accounts for how much you pay for car
insurance more than any other single thing. You need a clean
driving record if you want the best rates for your car
insurance. That means no speeding tickets and no tickets for any
moving violations. It also means no convictions for DUI or DWI.

If you can possibly garage your car at night do so and let your
agent know.

If you can reduce your driving mileage to under 500 miles per
month there is a rather nice Low-Mileage reduction in your
premium every month.

If you can carpool to work and reduce the number of days that
your car is driven back and forth to work you need to let your
agent know as this will reduce your car insurance cost.

If you retire or stop going into work at all this will also
reduce the cost of your car insurance.

If you add even a simple anti-theft device to your car, such as
a steering wheel lock or a device for disabling your fuel pump
until you enter a secret code let your agent know as this might
save you more money each month.

Do you belong to any clubs or organizations or associations
that offer their members a group discount on car insurance? A
lot of organizations - even religious ones - are now offering
group car insurance to their members. Don't hesitate to ask.

If you set it up so that your monthly premium is paid
automatically each month you can save money. If you can pay your
premiums yearly rather than monthly you can save even more!

If you are married place the wife on the account as the primary
driver and the husband as the secondary driver. Since women get
a better rate on car insurance than do men, this will save you
some nice cash each month.

Never modify your car - especially to make it drive faster. If
you modify your car you can expect to pay more for your
insurance.

Probably the fastest and most dramatic way to reduce your
monthly car insurance payment is to increase your deductible.
The higher your deductible the lower your monthly payment.
However, don't promise to pay a higher deductible than you can
actually afford, since you'll have to pay your deductible in
cash every time you file a claim.

And by the way, don't file small claims. Take care of the small
stuff yourself. The longer you can go without filing a claim the
lower your cost of car insurance.

Finally, get online and find 3 or more websites that compare
the cost of car insurance from company to company. The trick in
using these comparison websites is to put the exact same
information into the form on at least 3 different sites. In this
way you are comparing the same policy each time plus you will
get the rates from as many different insurance companies as
possible.

Once you've done that your work is done. All that's left is for
you to choose the lowest-priced company and you can rest easy at
night knowing that you have found the best rates on car
insurance in South Carolina and that you are saving the most
money possible each and every month.

About The Author: My recommended sites here:
http://www.ezquoteguide.com/car/ Best Rates on Car Insurance in
South Carolina http://www.myquoteguide.com/ Affordable Auto/Car
Insurance Company Online

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13.: Independent Record Labels Need To Be Counted

Posted by: "Robert Benson" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 11:12 am (PST)

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With vinyl record sales up more than fifteen percent over last
year's totals (858,000 `units' bought in 2006 versus 990,000 in
2007, according to Nielsen Soundscan), has the comeback of this
historical audio medium reached its pinnacle? No one can say for
sure, but one thing is certain, these sales figures are not a
full indication of just what is happening in the `vinyl world'
and how many records have truly been sold.

These sales figures may be underestimated and under represent
the exact sales figures because they don't always include the
sales at the smaller `indie' record shops where vinyl does the
best. I spoke with Virgil Dickerson, owner of one of these
`indie' record shops, SuburbanHomeRecords.com and Vinyl
Collective (based in Denver, Colorado) about what he is noticing
about the trend to go back to vinyl records.

"Certainly, my CD sales have dropped off, and I have seen an
increase in the sales of our vinyl records. People want a
tangible product to go along with their music. The record album
artwork and the great sound of vinyl are also factors in the
resurgence," detailed Virgil. "Digital music lacks the `soul' of
a record and there is almost a therapeutic ritual when you
experience playing vinyl, the act of physically playing the
record, the smell, turning the record over to hear the other
side- are all factors as to why people are in love with the
format."

But, is the vinyl resurgence just a passing fad, what do you
see for the future of the vinyl record?

"Some of our customers are what I term as `lifers,' people who
will buy records whether they are popular or not and may even
have an extensive collection of records. And then there may be
some that are just jumping on the `vinyl bandwagon,' buying
records to be cool or because they are popular now, but there
will always be a place for vinyl within the music community,"
said Virgil.

As previously noted, Virgil is the owner and operates Suburban
Home Records, a record label that signs and releases music from
bands from all over the world as well as Vinyl Collective, a
unique vinyl friendly web store. And with such an eclectic array
of musical genres to choose from including punk, alternative
country, heavy metal, rock and roll and just about anything in
between, his customer base is as varied as the musical styles
that they offer.

We discussed some of the vinyl record formats that are being
manufactured, including audiophile vinyl, picture discs, limited
releases and colored vinyl.

"With regard to colored vinyl, we do it because we want each
pressing to be distinctive. Colored vinyl is more prevalent now
than, lets say, ten years ago and is highly sought after; people
want it, so we appease our customers by releasing it," explained
Virgil. "We have some that are just one color, clear vinyl and
we have added some with speckles and swirls."

"Picture discs are also highly sought after as well, but are
much more expensive per unit to manufacture. They are usually
released with no jacket (they are kept in a clear re-sealable
package) so that helps to reduce the cost. And the sound quality
can fluctuate from good to bad depending on the pressing plant
that is used. Audiophile records are more expensive as well,
manufactured as 180-200 gram records instead of our norm, which
is 140-160 grams," said Virgil.

We also discussed the difference in sound quality between
audiophile records and the normal standard vinyl releases.

"Audiophile records have a better sound quality because a
higher grade of vinyl is used and the grooves are cut deeper
into the vinyl, producing a much clearer sound. I would think
that they are also less susceptible to scratching and scuffing
and withstand the normal wear and tear that a record gets form
use, because of their thickness," related Virgil.

We talked about `limited releases' and why these are not only
popular, but profitable as well.

"Well, instead of pressing, let's say, 5,000 copies of a
particular recording, we may only press 500. This helps to keep
our costs down and collectors love this type of release; they
will own an uncommon or rare record, which can affect the resale
value of the record, depending on various factors such as the
artist, condition etc."

What other marketing ploys are utilized in the record business?

"We are starting to sign up bands for a 7" `split' series. We
will do a pre-order for each 7" and have several artists already
committed to the project including Chuck Ragan/Tim Barry,
William Elliott Whitmore/Josh Small, Fake problems/Look Mexico,
Rocky Votolato/Chad Price (of Drag the River), just to name a
few. The artists will do a cover of a song that has influenced
what they do today. We not only have our own artists from
Suburban Home Records, but other record labels and artists as
well. And this is not so much a marketing ploy, as it is a
unique opportunity for artists to be heard by other fan bases
that may have not heard of the artist before the split and may
also introduce the listener to another kind of musical genre
that they may not listen to. With luck, we hope to have
customers be interested enough to collect the whole series,"
detailed Virgil.

We have just met the man behind the scenes at Suburban Home
Records/Vinyl Collective, one of hundreds of independent record
labels that produce quality vinyl records and allow independent
musicians to be heard by the masses. Why these sales are not
tabulated with the `big box' record stores or major labels is
food for thought. But if Suburban Home Records/Vinyl Collective
keeps releasing quality vinyl records, it is just a matter of
time, before they too, will become a "major label" and be
counted, as the sale of vinyl records continues to move upward.

About The Author: Author Robert Benson writes about rock/pop
music, vinyl record collecting and operates
http://www.collectingvinylrecords.com, where you can pick up a
copy of his ebook called "The Fascinating Hobby Of Vinyl Record
Collecting."

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14.: Universal Life Insurance Rates – Comparison Shopping

Posted by: "Elizabeth Newberry" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 12:11 pm (PST)

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We all know that comparison shopping is the key to
conscientious consumerism. All the smart shoppers learn, and
hone, the skill of comparison shopping early in life. We
comparison shop at department stores, grocery stores, and even
thrift stores! Yet, it's important to know that comparison
shopping should apply to all products – not just cleaning
supplies or pet food. When a product is as long-lasting and
important as universal life insurance, comparison shopping is a
given.

Before you can comparison shop for universal life insurance
rates, be aware of what it is you are actually shopping for.
It's difficult to compare what you aren't familiar with, isn't
it?

Universal life insurance, similar to whole life insurance, is a
permanent life insurance policy; however, universal life is more
flexible than whole life.

When comparing universal life rates, look for the following
features and talk with your life insurance agent about the
flexibility of these features, as well as how useful they will
be to you and your family, given your specific needs, wants, and
life situation.

• The ability to increase your death benefits
• The interest rate your savings component – cash value account
– will earn
• The ability to alter your policy premium payments

Some universal life insurance policies allow you to increase
your death benefits as long as you pass a medical exam. Plus,
once you have purchased your universal life insurance policy and
have started accumulating money in your cash value account, you
may be able to alter your policy premium payments. This means
you can use the money in your cash value account to pay for some
of your premiums, which is a great help in times of financial
stress. Note that this option should be used sparingly – once
the money in your cash value account has been exhausted, you
risk losing your universal life insurance coverage if you aren't
aware that the premiums aren't being paid.

About The Author: http://www.ezquoteguide.com
http://www.myquoteguide.com/life-senior.shtml

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15.: How To Save Money And Get Discount Automobile Insurance In Nevada

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Sat Feb 2, 2008 12:11 pm (PST)

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Let's face it – the cost of automobile insurance in Nevada is
high and it's not likely to get much lower any time soon. This
has sent many Nevada drivers scrambling to find ways to save
money and get discount automobile insurance here in Nevada.

If you are a young driver, still in school, you know how
expensive your auto insurance can be! One way to keep your
premiums low is to stay in school and get good grades – most
auto insurance companies in Nevada offer some form of a Good
Student Discount. If your school offers driver's training – take
it. Most companies also discount your premiums if you have
successfully completed an approved driver's training course.

If you own two or more cars it usually pays to insure all of
them through the same company. Most companies offer what is
known as a multi-car discount. Keep in mind that if you also
have your other insurance policies – such as homeowner's or
health – with the same company you should be entitled to a
multi-policy discount. Combining one discount on top of another
can save you some real cash over the long run.

Maintaining a good driving record is the best way to keep your
rates down. Drunk or reckless driving convictions will shoot
your rates sky-high. Also if you are a non-smoker you can also
often get a break on your car insurance.

If you only drive your car a few miles each day and then catch
public transportation the rest of the way in to work, or if you
carpool to work, talk to your agent about a low-mileage
discount.

If you drive an older car that has a value of $1,000 or less,
you may be better off dropping your collision coverage entirely
as you will probably end up paying more in premiums than you
would ever collect from the insurance if your car is damaged.

If you are still having trouble affording auto insurance then
consider increasing your deductible. The higher your deductible
– meaning that you pay for fender benders and you pay a certain
portion of any claim before your insurance pays the remainder –
the lower your premium will be.

If you are 50 or over you can probably qualify for a discount
on your auto insurance of about 10% simply by completing an
approved defensive driving course. Some defensive driving
courses are even offered online, and some courses will even
forward your completion certificate directly to your insurance
company upon completion of the course so you can get your
discount almost instantly.

The final tip is to shop around online. Prices for insurance
policies – even for policies that are almost identical – can
vary greatly from one company to another.

Auto insurance rates are a hardship for many Nevada drivers,
but by structuring your policy to include only what is right for
you, and by taking advantage of all the wide variety of
discounts to which you may be entitled, and by carefully
shopping around and comparing prices, you should be able to save
money and get discount automobile insurance right here in
Nevada.

About The Author: Recommended sites for low rate insurance
http://ezquoteguide.com/car/ Discount Automobile Insurance
Quotes in Nevada http://www.myquoteguide.com/Multi-Line.shtml
Quick Auto and Home Quotes (Combined)

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16.: Even Prime Mortgages Are At Risk

Posted by: "Peter Kenny" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 12:12 pm (PST)

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By now most American consumers have heard about the sub-prime
mortgage crisis. It would be difficult not to have heard about
it. What many consumers have not heard much about is the
increasing belief that even homeowners with prime mortgages may
be facing some issues in the near future.

Of particular importance is the threat of lower home values,
even for those with the best of credit and the best of mortgage
loans. It is no secret that as homes in a particular area begin
to fall into foreclosure proceedings, surrounding homes will
lose value. The problem seems to work exponentially, too,
meaning the more homes that are being lost the more value
surrounding homes lose.

A recent survey conducted by Zillow.com, an online real estate
community, concluded that on average home values across the
nation were down more than 5.5 percent from just one year ago.
In some of the worst hit areas of the nation, that percentage is
even higher.

The troublesome news that goes along with this is that
according to Zillow.com upwards of 15 percent of nationwide
homeowners who purchased their homes within the last twelve
months are now in a position where they owe more on the home
than what it is currently valued at. The number is even a little
worse for those who purchased a home two years ago.

Most experts would offer up that temporary negative home equity
is not something that should cause a person or nation to panic,
unless the person cannot afford the higher mortgage payments
caused by rate adjustments. It may take as long as five years
before the market settles down, and if homeowners, especially
those with prime loans, can simply ride it out, they value of
their homes should begin to rise again.

One issue that will certainly complicate the ride it out advice
is when prime loan homeowners need to move because of a job
transfer or some other reason. The usual tactic is to sell the
current home when it becomes apparent that a move is in the
works.

If the value of the home has decreased because of sub-prime
foreclosures in the areas, the owner will, of course, see less
profit on the sale. Even homes under the most advantageous of
mortgage loans will have to be appraised prior to a sale. If the
surrounding area has lost value due to foreclosures, the owner
can probably expect that his home is worth less too.

Some of the lost value can be absorbed by homeowners if the
amount is not too high. For those homeowners who happen to be in
hard hit areas, the loss of value may be too high to absorb and
may have even caused the home's value to be less than what is
owed on it. For these homeowners, the entire sale of the home
may be in jeopardy.

At present, there is not much that a homeowner can do to
prevent loss of value in the home if the home is located in a
foreclosure area other than try to ride it out, as mentioned
above. Some legislation is in the works that may help many
sub-prime borrowers from having to see foreclosures, and that
may be best bet yet in keeping home values fair and equitable.

About The Author: Peter Kenny is a writer for The Thrifty Scot,
please visit us at http://www.thriftyscot.com/refinance/ and
http://www.thriftymortgages.co.uk
http://www.thriftymortgages.co.uk/2008/01/rics-sees-more-bad-news-for-house-prices.html

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17.: Importance Of Car Insurance

Posted by: "Joseph Kenny" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 12:12 pm (PST)

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Why is car insurance so important? Most older drivers
understand the importance of car insurance but some newer
drivers may not.

For many newer drivers car insurance is more a pain than a
benefit, with the pain part being located in the higher premiums
they have to pay. Here are some of the main reasons car
insurance is important.

The state in which you live in and drive in probably requires
that you carry a certain amount of car insurance on your
vehicles. The amount of car insurance that you must carry as a
minimum on each vehicle varies from state to state.

States will also mandate what type of car insurance is
required. In some states, you only need liability, while other
states may require more.

Drivers should understand that in many states if you are pulled
over by the authorities and found to be without car insurance
you run the risk of having your vehicle impounded on the spot.
In some states it is literally illegal for the police to allow
you to continue driving once they know you do not have the
proper automobile insurance.

In addition to having your vehicle impounded you may also find
yourself being charged heavy fees and fines by the courts. Of
course, in addition to all these troubles, you may have your
driver's license suspended or revoked for a certain amount of
time.

Car insurance protects you from personal liability should you
be in an accident. Aside from the legal requirements, this is
the main reason you want car insurance. If you are in an
accident and you are at fault you can be held personally
responsible for the costs of medical bills if a person is
injured and major monetary awards if a person is killed. These
costs can all but ruin most families.

It can mean selling your home, selling your stocks and bonds,
or selling other assets in order to pay the costs. It can also
mean years of future payments in the event you cannot pay them
all at once, which most people cannot do. Depending on the
amount of the rewards, you could spend the rest of your natural
life paying them off.

But what about you? What if you are hit by someone who does not
have insurance? If you do not have insurance either, chances are
good you will be faced with your own medical payments. You can,
of course, sue the other person but what if they are destitute
and cannot pay? Your own car insurance will usually help with
those payments.

In addition, depending on the type of car insurance that you
have, your vehicle can be repaired or replaced, thus saving you
the out of pocket expense of replacing it yourself.

The last reason for having car insurance has to do with repair
of the other vehicle if you hit someone. As you know, vehicle
repairs can be very expensive. If you are shown to be at fault
in an accident you may be required to pay for the repairs or the
replacement of the vehicle that you hit. Again, this is money
that has to come out of your pocket.

As an aside to this, you are also responsible for any real
property damage that you might cause. For example, if you run
into a house and cause a wall to collapse, you would be required
to make payment for those repairs. One single accident can all
but force you into bankruptcy court if you are not protected by
car insurance.

About The Author: Joe Kenny writes for the financial comparison
site http://www.onlystop.com and also for the loan information
portal, http://www.iloanapplication.com. Visit today to find a
great personal finance offer.

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18.: Vacation Holiday In Japan Travel Guide

Posted by: "Chris Chew" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 1:12 pm (PST)

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Thinking of a holiday vacation in exotic Asia but does not know
where to go? This travel guide article introduces you to Japan,
the country in which you can find buzzing cities where you can
shop and party till the wee small hours of the morning or if you
prefer, visit Japan's almost nature perfect countryside and
marvel at its awesome natural beauty.

Japan, or sometimes referred to as "Land of the rising sun" is
an island nation located in north-eastern Asia between the
northern Pacific Ocean and the Sea of Japan.

The country has a land mass of approximately 377,870 sq km (145
896 sq miles) which is just a tad smaller than the state of
California.

The country is made up of four major island groups with more
than 4,000 smaller islands surrounding the big four islands of
Hokkaido to the north, Honshu, the main island, Shikoku which is
the smallest of the four and Kyushu, as the southernmost island.

Japan has a very homogenous culture and thus it is not
surprising that there is only one official written and spoken
language. However, to the delight of tourists and business
travelers, many Japanese are able to understand English and
speak the language to a certain extent albeit with heavy accent
as can be seen in some Hollywood movies.

The reason why many so Japanese can speak English is that the
English language is the only foreign language all Japanese must
learn as part of compulsory school education program.

Japan has a population of over 125 million people and most
Japanese live in densely populated urban areas such as Tokyo
which is the capital of Japan. Tokyo has a population of about
12 million people.

Tokyo,is a marvelous city of stark contrast which makes it as a
very interesting and exciting city to tour. Tourists on holiday
vacation are often enchanted with the glitzy lights of nightlife
downtown Shibuya and Roppongi, homes to wonderful international
and local restaurants, theme bars and karaoke clubs to dazzle
you in contrast to the the tranquil serenity of Buddhist temples
and sleepy side streets, where quaint local antique stores and
old cafes beckon.

Tokyo is also home to the first Disneyland theme park in Asia.
The other one being in Hong Kong.

Many tourists regard Japan as a food paradise haven. Japanese
food is not only well known for its health benefits, it is also
famous throughout the world for its painstaking presentation. It
is certainly a culinary delight to indulge in Japanese food.

You can find traditional smoky yakitori stalls where customers
sit around makeshift tables, drinking ice-cold beer as the sun
sets on a hot summer day, to high class restaurants, where
kimono clad waitresses serve the freshest sushi and sashimi.

The quality and the variety of food in Japan are so vast that
you can hardly find such wide diversity and quality of food
anywhere else in the world.

Traditionally, having lunch would have been from the homemade
bento box, however many Japanese restaurants these days are
encouraging the trend to eat out at midday by offering great
lunch set meals. This may include sushi sets with miso soup and
green tea.

Most Japanese have theirlunch seated by the counter so that
they can watch the chef in action preparing freshly cut sushi
served on a bamboo leaves.

Tokyo is usually the landing city for vacationing tourists
visiting Japan and is the launching pad to other tourist
attractions in this amazing country.

So if you are a tourist on a holiday vacation who loves taking
in sights of natural wonders, who loves great food and plenty of
nightlife action, then Japan could be your ideal holiday
destination in exotic Asia.

About The Author: Chris Chew is an avid traveler and owns a
website devoted to traveling in exotic Asia
http://www.asiatravelbest.com

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19.: How Hair Is Inserted In Hair Transplant Surgery

Posted by: "David Riewe" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 1:12 pm (PST)

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Hair transplant surgery begins, after anesthesia is applied,
with removing donor tissue. Follicular units are then extracted
from the tissue using a stereomicroscope. This is all done by
skilled nurses and technicians. The insertion of the hair into
the receptor sites comes later.

Once the follicular units for the hair transplant are dissected
out of the donor tissue, technicians set them aside in a saline
solution. The temperature must be ideal or the small grafts
will not survive the procedure. This is done very carefully in
order to ensure a good result.

The surgeon will make tiny incisions into the scalp where the
hair transplant grafts are to go. These are called the receptor
sites. They are made with a very thin surgical needle. The
surgeon must have an eye for detail to properly set the receptor
sites. He must also be very artistic to achieve a natural look,
especially at the hairline.

The direction the hair grows, both on the front of the head and
at the crown, are very important, too. The doctor must make the
condition of the newly placed hair look like the patient's own
natural scalp hair. The angle that the hair is put in
determines how much it will stand up from the head.

Once the surgeon has made all the hair transplant incisions
that lay out the design he has created, the specially trained
surgical team steps in. They use his plan to accomplish his
goals, and in turn the goals of the patient. The groundwork is
done for them by the surgeon when he does his incisions.

The surgical team takes care to get every hair transplant graft
into the receptor sites as they have been laid out. They waste
no time, though, because the small grafts are vulnerable when
their follicles are outside of the skin. The goal is to get the
grafts in as quickly as possible while staying true to the
design.

Next, the doctor looks over the hair transplant for quality
control. He may take a good deal of time tweaking the placement
of grafts before he is satisfied that they are all set properly
into their receptor sites in a pleasing fashion. When he gives
the ok, the surgical technicians again take over the patient's
care.

The grafts will be more permanently set into place when the
technicians dry them by blowing a cool blow dryer across them.
This makes them adhere in their place so that no bandages are
necessary. The patient will be asked to bring, or will be
given, a baseball cap for the ride home from the hair transplant
procedure.

The doctor will want to see how the grafts are doing the day
following the hair transplant. The patient will go in for a
check-up so that any problems can be corrected quickly. If that
is not possible, at least plans can be made to correct them at a
future time.

The doctor will have done his job with the hair transplant
procedure at this point. All that remains is periodic checkups.
If the hair loss is extensive, there may be more procedures,
but all the hair transplant surgeries will be done with the same
amount of care.

About The Author: David Riewe is the Editor of Daves Health
Buzz. Daves Health Buzz covers a wide variety of health and
wellness related topics. Visit Daves Health Buzz for the latest
Hair Transplant information. http://www.daveshealthbuzz.com

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20.: Nightlife In Orlando: Try Universal's Citywalk

Posted by: "Mark Whichard" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 1:12 pm (PST)

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An Orlando vacation can be a full-on experience with fun during
the day and also at night. Just as Disney World has its Pleasure
Island entertainment complex, Universal Studios features a
CityWalk area that has nightclubs with entertainment in musical
grooves including Jimmy Buffett, Motown, Bob Marley, rock 'n'
roll, dance music, dueling pianos and Latin rhythms. Let's take
a look at what is on offer at Universal's City Walk.

Before we begin it should be noted that City Walk is not just a
tit for tat response to Disney World's Pleasure Island. The City
Walk area in Orlando is modeled after Universal Hollywood which
first introduced the concept of an entertainment/dining complex.

Here are some of the entertainment attractions on City Walk:

The Groove: This is a dance club that is popular with locals
and tourists alike. It looks like a turn-of-the-century theater
that was converted into a nightclub. It features popular dance
music and is especially attractive to the under 30 set.

Bob Marley: A Tribute to Freedom - A recreation of Bob Marley's
Jamaica Home which was turned into a museum after Marley's death
in 1981. This combination night club- museum and restaurant
offers live Reggae music on the patio and has a nice, casual
atmosphere.

Pat O'Brien's: This club is based on the original Pat O'Brien's
in New Orleans. The exterior replicates the original, and on the
patio in the back, you'll find the signature fire and water
fountain. There are two inside bars, including one with dueling
pianos. Be careful when sampling their strong Hurricane drink
which includes four ounces of rum.

CityJazz: During the week this venue is a comedy club and on
Friday and Saturday night it is a jazz club. It sports a montage
of jazz stars filling one wall and has glass cases with jazz
memorabilia.

Latin Quarter: Here is another venue that is popular with both
tourists and locals, especially Orlando's Hispanic community.
During the day it is a restaurant and at night is a chic
nightclub.

Jimmy Buffets Margaritaville - Another fun spot to hang out and
party, Margaritaville offers everything from live bands nightly,
to hula hoop contests. Of course, the drink du jour here is the
Margarita.

Red Coconut Club - Live entertainment and a South Beach vibe
combine to make this one of the liveliest clubs in Orlando. If
you decide to pay the Red Coconut a visit, we suggest you dress
a step or two above standard resort wear because you'll feel a
bit out of place in shorts and sandals.

There is no admission charge for CityWalk, although individual
clubs may have cover charges. Visitors can buy a Key to the
Clubs, providing admission to all venues, for $7.95 plus tax.
The Universal parking garages charge $7 for cars and $8 for RVs
and campers before 6 p.m. Parking is free after 6 p.m.

General operating hours are 11 a.m. to 2 a.m., although each
venue has its own hours.

CityWalk can be seen only on foot. Visitors must park in
Universal's garages and walk about five to 10 minutes to get
there. Moving sidewalks are available.

So, put on your dancing shoes and enjoy some nights out at
Universal's CityWalk in Orlando, Florida.

About The Author: Mark Whichard is a frequent writer on Orlando
vacations. He is an expert in the field of Orlando vacation
rentals with experience dating to 1998. Visit his website:
http://www.disneyhomerentals.com for the best deals in rental
condos, homes and villas in the Orlando, Florida area.

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21.: Is The Singularity The Rapture?

Posted by: "Britt Gillette" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 2:11 pm (PST)

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In the near future, the advance of human technology will become
so rapid the unaided human mind will be unable to comprehend its
implications. The point in time at which this occurs is
generally known as "the singularity," and many believe it will
usher in a new and exciting era for the human race. Throughout
the world, many intellectuals and futurists have noted their
belief in the nearness of the singularity, with quite a few
predicting it will occur within our generation.

Some proponents of the singularity have promised immortality
and post-biological bodies for the human race, prompting many
adherents to draw parallels between these events and the
prophesied rapture of the bible. Lacking a clear understanding
of bible prophecy, some of these people have come to believe
that the singularity and the rapture are one and the same.
However, nothing could be further from the truth. So let's
examine the facts about the singularity and the rapture.

What is the Singularity?

As previously stated, the singularity is a future point in time
when societal, economic, and technological change increases at
such a rapid pace that the unaided human mind cannot begin to
comprehend its implications.

The concept of the singularity is built on the premise that
human technological advancement is not linear, but rather
exponential. In other words, conventional wisdom (the linear
view) holds that the next 100 years will bring the same amount
of progress as the previous 100 years. However, those who
predict the singularity (the exponential view) believe the next
100 years might well bring the equivalent of twenty or more 20th
Centuries of progress.

Mere observation tends to support the exponential view. For
instance, the 20th Century brought more technological progress
than the 19th Century. And the 1990's brought more technological
progress than the 1980's. As a result, it's logical to conclude
that the human race is rapidly approaching the singularity.

What is Transhumanism?

In preparation for the singularity, a new worldwide
social/religious movement has emerged: the Transhumanist
Movement. Identifying themselves "singularitarians" and
"transhumanists," these people look forward to the singularity
with a fervor usually reserved for religious zealots. Many
within the movement believe the singularity will lead to the
emergence of "post-biological humans" who are able to shed their
biological bodies and "upgrade their hardware." Many believe
that by downloading themselves into a network, they will
effectively become "immortal." True believers have modified
their diets, exercise routines, and entire lifestyle in an
effort to increase the likelihood of living to witness human
reversal of the aging process and eventual human "immortality."

In light of the emergence of this new movement and its clearly
stated goals, these words of warning from our Lord take on new
meaning:
"In fact, unless that time of calamity is shortened, the entire
human race will be destroyed. But it will be shortened for the
sake of God's chosen ones." Matthew 24:22 (NLT)

Through the centuries, this verse has been interpreted to mean
that the Glorious Appearing of Christ will arrive just before
the human race managed to destroy itself in war. However, it
could mean that "no flesh will be saved" because the human race
will attempt to transform itself into a race of "post-biological
humans."

Why Do Some People Believe This is the Rapture?

So why are some people arriving at the conclusion that the
singularity and the transhumanist desire for post-biological
bodies portend the rapture? What is the basis for this
reasoning? Believe it or not, the root of this idea comes from
scripture. However, as will soon be illustrated, the scriptures
cited have been taken out of context.

Post-Biological Bodies

Human transcendence of biology is a process which has already
begun. People who have pacemakers or artificial limbs are in a
sense, merging with non-biological human technology. As this
technology advances, the human race will engage in much more
sophisticated enhancement of the human body, including
enhancement of brain power and the connecting of human brains to
local or global networks. In addition, a person's exterior body
could be modified to become stronger than steel, making them
less susceptible to life-threatening trauma.

Some who foresee this future believe it will be a fulfillment
of bible prophecy:

"And then we who are living will be transformed so that we will
never die. For our perishable earthly bodies must be transformed
into heavenly bodies that will never die." 1 Corinthians
15:52-53 (NLT)

In addition, they believe these post-biological bodies will
enable them to inherit the Kingdom of God:

"Every human being has an earthly body just like Adam's, but
our heavenly bodies will be just like Christ's. Just as we are
now like Adam, the man of the earth, so we will someday be like
Christ, the man from heaven. What I am saying, dear brothers and
sisters, is that flesh and blood cannot inherit the Kingdom of
God. These perishable bodies of ours are not able to live
forever." 1 Corinthians 15:48-50 (NLT)

Proponents of this idea believe that when humans shed their
biological bodies (i.e. flesh and blood), the door will be
opened to a new earthly paradise.

Immortality

In addition, transhumanists believe the information in our
brains (i.e. memories, knowledge, and the varying patterns that
make a person unique) can be translated into code and uploaded
into new hardware. Imagine for a moment that a human body is
like a computer, and the personal information you have on your
computer comprises all the memories and knowledge of a lifetime.
When your old computer becomes broken or obsolete, you simply
get a new one. And when you do, you transfer all the important
files and information from the old one (or a backup) onto the
new one. This is a fairly accurate description of the
transhumanist vision for humans.

Human bodies become obsolete. They decay and eventually stop
functioning, and when they do, a person has no backup. All their
memories and knowledge are lost forever. Transhumanists believe
they can halt this process by uploading a person's unique
thoughts and brain patterns into a "more reliable vessel," one
better equipped for long-term functionality than a mere
biological entity. By creating backups of their brain patterns,
decentralizing themselves over a network such as the Internet,
and continually upgrading their hardware, transhumanists believe
they can effectively live forever.

And some transhumanists believe a scriptural basis exists for
this human immortality:

"When this happens – when our perishable earthly bodies have
been transformed into heavenly bodies that will never die – then
at last the Scripture will come true: `Death is swallowed up in
victory. O death, where is your victory? O death, where is your
sting?'" 1 Corinthians 15:54-55 (NLT)

Taken out of context, it's not difficult to see how someone
could be deceived into believing the singularity and
transhumanism will help them to cheat death. However, neither
one addresses the root problem of death – sin. And the only way
to blot out sin is through the blood of Jesus Christ.

Why the Singularity and Transhumanism Are Not the Rapture

The singularity and transhumanism are not the methods deployed
by God for the rapture. Although some people have made this
connection, bible prophecy must be taken out of context to draw
such a conclusion. Below is a list (perhaps not comprehensive)
of why the singularity and the rapture are not one and the same:

Post-Biological Humans Will Not Appear in the Twinkling of an
Eye

The singularity and human transformation into a post-biological
state will both occur rapidly, but not in a literal instant. In
Chapter Six of "The Singularity Is Near," author Ray Kurzweil
underscores this point:

"But this is not the primary way that I envision the transition
to non-biological experience taking place. It will happen,
rather, in the same way that all other paradigm shifts happen:
gradually (but at an accelerating pace)." (Kurzweil, page 324)

Yet, the bible is clear that the rapture of the church will
take place in "the twinkling of an eye":

"But let me tell you a wonderful secret God has revealed to us.
Not all of us will die, but we will all be transformed. It will
happen in a moment, in the blinking of an eye, when the last
trumpet is blown." 1 Corinthians 15:51-52 (NLT)

The singularity is not the rapture, because the rapture occurs
instantaneously.

The Transformative Power of the Rapture is Everlasting, Not
Temporary

The singularity and human transformation into a post-biological
state will provide the illusion of immortality, but not literal
immortality. In Chapter Six of "The Singularity Is Near," author
Ray Kurzweil underscores this point:

"By the middle of the twenty-first century humans will be able
to expand their thinking without limit. This is a form of
immortality, although it is important to point out that data and
information do not necessarily last forever." (Kurzweil, page
325)

The transhumanist claim of immortality falls short of its
stated goal, unlike the promise of the rapture which will result
in spiritual bodies which will never perish:

"Our earthly bodies, which die and decay, will be different
when they are resurrected, for they will never die. Our bodies
now disappoint us, but when they are raised, they will be full
of glory. They are weak now, but when they are raised, they will
be full of power. They are natural human bodies now, but when
they are raised, they will be spiritual bodies. For just as
there are natural bodies, so also there are spiritual bodies." 1
Corinthians 15:42-44 (NLT)

One day, humanity might well achieve a post-biological state of
being, but it will simply be trading in one fragile vessel for
another. Those who participate in the rapture, however, will
remain with Christ forever:
"Then, together with them, we who are still alive and remain on
the earth will be caught up in the clouds to meet the Lord in
the air and remain with him forever. So comfort and encourage
each other with these words." 1 Thessalonians 4:17-18 (NLT)

The singularity will herald a time of unprecedented human
power, but this power will pale in comparison to the awesome
power of God, meaning it cannot be eternal in nature. On the
other hand, the rapture will bring with it the everlasting
authority of Jesus Christ. Therefore, the singularity is not the
rapture.

Conclusion

The bible is clear concerning the characteristics of the
rapture. It is an event that will be precipitated by the
appearance of Jesus Christ in the clouds. It will happen in "the
twinkling of an eye," and it will not be an event in which the
whole world will participate. The rapture will transform human
bodies into spiritual bodies, while even the boldest of
transhumanists claims merely assert that the singularity will
transform fragile human bodies into relatively less fragile
human bodies. The singularity is simply not the rapture. Despite
the claims, which will no doubt increase in number as we
approach the end of this age, no scriptural basis exists for
believing otherwise.

As such, be careful that you aren't deceived by false prophets
and messiahs who claim the singularity and the transhumanist
movement will usher in an earthly paradise. One such person
might be the Antichrist who Paul describes as one who will "use
every kind of evil deception to fool those on their way to
destruction" 2 Thessalonians 2:10 (NLT).

Those who place their faith in the singularity and the
transhumanist agenda will be greatly disappointed.
Nevertheless, human beings are still inclined to believe they
can conquer the power of death. The prophet Isaiah foresaw these
days, as well as the futility of those who would place their
faith in that which is merely human:

"Don't put your trust in mere humans. They are as frail as
breath. What good are they?" Isaiah 2:22 (NLT)

This is a brilliant observation, instructive to any generation.
Instead of placing faith in fallen mankind and the material
things of this world, people should put their faith in Jesus
Christ. If they do, God promises they will never be
disappointed:

"And anyone who believes in Him will never be disappointed." 1
Peter 2:6 (NLT)

About The Author: Britt Gillette is author of
http://BrittGillette.Com, a website studying the links between
bible prophecy and advanced technology. To read this article in
its entirety, visit: http://brittgillette.com/WordPress/?p=68.

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22.: How To Apply For Credit Cards Online

Posted by: "Lawrence Fine" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 2:12 pm (PST)

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Applying for credit cards online can now be done quickly and
easily right on the Internet. The main thing when applying is to
make sure to protect yourself, only disclosing your confidential
information on an appropriate site that hosts the credit card
application.

In a nutshell, here's what you need to know when you go to
apply for a credit card online…:

1) Be alert to identity theft and other security issues on the
web today. Many things that you are able to do online today can
leave you vulnerable, exposing your computer and you to possible
dangers, especially when your private, confidential and
financial information is involved. Don't stick your head in the
sand and keep it there with regards to online safety issues.

2) Look into safer interacting online. For example, there are
advances in computers, software and online security making it
much safer to conduct financial transactions from your personal
computer or laptop hooked up to the world wide web today.

3) You will find many credit card offers online so do some
homework before you apply for any. Open up your favorite search
engine and research which credit card applications are online
and what they offer, taking notes and printing out comparisons
before you even start to complete any of the online
applications.

4) Check out the individual credit card rewards and other
programs available, interest rates, minimum payment amounts,
fees and guidelines, payment options (some need bank accounts
connected with them to pay online, so check first), the full
credit agreement including "the fine print" and any extra
charges that could be applied (like late fees, over the credit
line fees, etc.)

5) Also research the financial institutions. Check with the
Better Business Bureau to see if there are large amounts of
complaints filed. Ask friends and family for recommendations.

6) Look for websites that offer secure and encrypted entering
of data for your online application processing. For example, the
site should begin with "https" instead of just "http" in your
browser. Also review the privacy statements of the financial
institutions on their websites to make sure they keep your info
confidential. Make sure that this site is secure before you
trust it with your personal details.

Note that it's your responsibility to look into all the details
surrounding your credit and your credit cards. Even once you
have the credit, you want to make sure to stay within your
credit card limit, make payments on time and pay balances off,
because your credit history is your own permanent record for all
to see who check out your credit bureau.

So keep this checklist handy when you are applying for credit
cards online. Use good judgment when choosing a good credit card
program or programs to join up with and apply to online. And
follow up in a responsible manner to keep your credit in good
standing.

Learn More

Visit, subscribe to and bookmark:
http://applyforacredibtcardshop.com for your credit card needs!
And keep up with the latest credit card tips to help yourself,
your friends, family and others.

About The Author: Visit, subscribe to and bookmark:
http://applyforacredibtcardshop.com for your credit card needs!
And keep up with the latest credit card tips to help yourself,
your friends, family and others.

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23.: Adverse Land Possession

Posted by: "Parmdeep Vadesha" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 3:11 pm (PST)

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Traditional common law provides a method to claim the title to
a land through use. The law rules for adverse land possession
are codified under various laws. They allow a person to assign a
title to a land from the owner just by using the land, out in
open for all to see.

For example, if someone builds a fence on your land with the
intention of taking the property and even goes as far as to pay
property taxes for a certain period, yet you do nothing about
it, then he or she can claim the title of the land. The theory
behind this is that by not disputing for the use of your land,
you have abandoned your rights to the property.

There are several things that have to be considered elemental,
though, when dealing with matters of adverse land possession.
These include:

1) The definition of `adverse possession' involves many legal
words which have special meanings and differ from their standard
definitions. The elements of `adverse possession' are the real
estate is open, actual, exclusive, notorious, hostile, under
cover of claim or right, and continuous and uninterrupted for
the statutory period.

2) The adverse possessor should have acted in the manner of
owner of the property. The possessor should have engaged in the
act of possession consistent with the property at issue in a
manner which was capable of being seen by all. During the
statutory period the person claiming the title must be the only
person to treat the land in the manner of an owner (it does not
mean that he should be the exclusive user of the property). The
possession should not `hostile' to the title owner's interest in
the property.

3) You can not claim adverse possession if it is a permissive
use of the land. If the possession is not hostile then the land
can be claimed under the theory of acquiescence.

4) All the elements of the adverse possession must be met
throughout the statutory period. Even it is possible to claim
adverse possession if there is a transfer of ownership, the
ownership period is added cumulatively.

5) The length of time required to claim the title of land
according to adverse land possession statute varies. It could be
as short as few years or could be more than 20 years. Some
states have the rule that the adverse possessor should have paid
taxes every year on the land.

6) The defense against the adverse possession may claim the
permissive use. If the claimant has been granted permission to
use this property by the actual owner, then the claim fails.
Government owned lands may be exempt from adverse possession.

7) If the land owner is also engaged in the use of the land in
a manner consistent with that of the landowner, the claim fails.
If the various aspects of the adverse possession is not able to
hold out till the expiry of recommended statutory period or if
the possession was hindered by non-use period of the property
then also the claim is deemed fail.

It is important to note that the real estate laws concerning
the adverse possession vary significantly between jurisdictions.
The law, definition of terms and the applicable statute of
limitations can very considerably between jurisdictions.

About The Author: Parmdeep Vadesha is the founder of the
largest online community of property entrepreneurs who buy below
market value properties from distressed sellers facing
repossession, divorce and bankruptcy. Join 70,000 property
investors & subscribe to his FREE newsletter
http://www.Property-System.com

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24.: What To Do When You Visit The Home Of Golf: St Andrews In Scotland

Posted by: "Simon Haughtone" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 3:12 pm (PST)

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Situated close to Fife on the East coast of Scotland, St
Andrews is famous for being the "home of golf".

The Royal and Ancient Golf club was founded in the town in 1754
and controls the game of golf everywhere except in America and
Mexico.

There's a good chance that your visit to St Andrews will be to
do with the links course, which often holds the annual Golf Open
Championship, the longest established of golf's four major men's
championships. Outside the time of the championship, you should
be able to book a tee time and play the course yourself.

If you can't afford the fees to play on the most popular
courses, don't panic. There are a total of 7 links courses in
the St Andrews area, so you're sure to be able to find one that
has an open slot and an affordable price.

Or you can just practice your shots at the local St Andrews
Links golf driving range.

If you prefer a sport other than golf, St Andrews has plenty to
offer as well:

You can keep fit at the East Sands Leisure Centre or take a
swim in the pool or if you prefer to stay on dry land, they also
have a number of pool tables.

Surfers will want to check out the surf on the nearby East
Sands beach – the best surf is to be had in the winter months
when the waves are bigger.

Kite flying is also a popular sport here. Most flyers will head
towards the West Sands beach to indulge their hobby.

History fans can browse around the ruins of St Andrews
cathedral. The cathedral was originally built starting in 1158.
They fell into disuse at the time of the Reformation, during the
mid 1500s but you can still get an idea of the scale of the
building from the remains that are still standing on the
original cathedral site.

These remains include St Rule's tower which is even older than
the cathedral. If you have the energy and the weather is in your
favour, make sure that you climb up the 156 steps of the tower
so that you can admire the views of the town of St Andrews as
well as its harbour, the North Sea and the Scottish countryside.

The other ruins to visit are those of St Andrews castle, which
has been on the same site since the 12th century. There is a
visitor centre to give you a flavour of what the castle used to
be like in its prime.

St Andrews is also the site of Scotland's oldest university.
The student population in the area ensures that there is plenty
of life in the town if you want to venture outside your hotel.

One thing you should remember when you are visiting St Andrews
is that if your visit coincides with a popular golf event, you
will need to book your hotel accommodation in plenty of time to
make sure that there is room for you to stay.

About The Author: When you visit St Andrews, book your
http://www.smoothhound.co.uk/standrew.html St Andrews hotel from
one of the many hotels and guest houses featured on
http://www.smoothhound.co.uk/standrew.html

Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=221174
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http://www.isnare.com/?s=author&a=Simon+Haughtone

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25.: Penzance: What To Do When You Visit Cornwall's Penzance

Posted by: "Arthur Townlands" distribution@isnare.com articles_isnare

Sat Feb 2, 2008 3:12 pm (PST)

Please consider this free-reprint article written by:
Arthur Townlands

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Article Title: Penzance: What To Do When You Visit Cornwall's
Penzance
Author: Arthur Townlands
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Located at the southern tip of Cornwall, Penzance is well worth
exploring and has a wide variety of things to do and explore.
Whether you want town life, to check out rural Cornwall or
experience the coastal waters around Cornwall where years ago
smugglers were rife.

The word Penzance actually means "Holy Headland" in the native
Cornish language and is a reminder that the town stands close to
where the chapel of St Anthony stood over a thousand years ago.

Although people have lived in Penzance since at least the
Bronze Age, its importance was recognized by King Henry IV, who
granted the town the right to hold a Royal Market.

Although it was once a major fishing town with all that
entails, Penzance now caters mainly for the tourist trade. Most
of the town is subject to strict planning rules, so its
character has been preserved without the blight of too many
modern buildings and signage. Although the poet Sir John
Betjeman disagreed with that last statement – he thought that
the town's character had been blighted.

As befits the area, there is a midsummer festival in Penzance
called the Golowan Festival. After a lapse at the end of the
1800s, the ancient customs of the golowan Festival have been
revived, including lighting fires and setting off fireworks to
celebrate the midsummer solstice. You can also witness street
artists and see the whole town decked with greenery and other
decorations. The popularity of the festival means that Penzance
now attracts thousands of visitors at that time of year, so be
sure to book your hotel room early if you are planning to visit
Penzance at the time of the festival or you could end up finding
no room at the inn.

Opera fans will want to check out Penzance. As you'd expect
from the title, it was the setting for the Gilbert and Sullivan
opera "The Pirates of Penzance". In modern times, you can watch
plays at the local Acorn Theatre, which also shows films and
hosts dance music and cabaret.

Despite their name, the Penzance Pirates rugby team are now
located in nearby Camborne and have therefore been renamed the
Cornish Pirates.

On a more exotic note, the solo transatlantic yacht race called
the Mini Transat 6.50, so called because the maximum boat length
is 6.5 metres, starts its journey in alternate years from
Penzance harbour.

Whether you choose to stay in Penzance itself or would prefer
to use one of the many Cornish villages nearby, there are plenty
of places that you can stay. These range from small, family run
bed and breakfasts, often located in farms and other rustic
locations, through to the larger guest houses which give you
many of the facilities of a hotel but the warm welcome
associated with Penzance's landladies. Or if you prefer, you can
choose one of Penzance's larger hotels. Whichever of these you
decide on, you can be assured of a warm Cornish welcome and the
hospitality associated with it.

About The Author: When you stay in Penzance, be sure to check
this wide range of Penzance hotels and guest houses at
http://www.a1tourism.com/uk/penzance.html

Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=219746
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visit:
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