1.: How To Get The Best Rates On Car Insurance In Massachusetts

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

Sun Feb 3, 2008 8:12 am (PST)

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Article Title: How To Get The Best Rates On Car Insurance In
Massachusetts
Author: Alexis Jensen
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Every driver in Massachusetts needs to buy car insurance.
Driving without car insurance can cause so many nightmares on so
many levels, especially if you are involved in a serious
accident, that driving without insurance simply is not worth the
risk.

A better solution is to find ways to lower the cost of your car
insurance so that you can get the best rates on car insurance in
Massachusetts legally.

Let's start by asking if your place of work offers group car
insurance to its employees. Many companies do, and group rates
can save you a fortune. If your company doesn't offer group car
insurance check with any clubs, groups or organizations you
belong to; you'd be surprised at the ones that offer their
members group car insurance.

Keep your car in a garage at night. Doing that simple thing can
save you money each and every month.

Set it up so your premium payment is paid automatically each
month out of your checking account. This will also save you
money.

Ask your agent if buying (and using) a steering wheel lock will
reduce your rates. Some companies gladly reduce rates for
steering wheel locks and for simple devices which disengage your
fuel pump unless a secret button is pressed each time you start
your car.

Drive less. Many people are now using public transportation and
leaving their car at home as much as possible. If you can reduce
your driving to below 500 miles per month you may qualify for a
rather substantial low-mileage discount.

A portion of your premium is probably based on the fact that
you drive to and from work every day in rush hour traffic. If
you can carpool so that you drive those miles considerably less
each month then you can save money on your car insurance.

If you retire or stop driving to work for any other reason your
insurance will also drop.

Drivers under 25 should stay in school and maintain good
grades. A 3.0 grade average or better will earn you a rather
nice Good Student Discount.

Don't make small claims. The fewer claims you make the lower
your rates will be. If you can go for even 6 months without
making a claim some companies will reward you. Other companies
require you to wait a year, but the point is, the fewer claims
you make the better your rates on car insurance will be.

Can you afford to increase your deductible? This is probably
the fastest and the easiest way to decrease your monthly
premium, but the downside is you will have to come up with the
amount of your deductible in cash any time you have a claim. You
don't want to make any promises you can't keep.

The final step in getting the best rates on car insurance in
Massachusetts is to get online and find a minimum of 3 car
insurance price comparison websites. Using what you have learned
in this article fill out the form on all 3 websites exactly the
same way. That's important. You must put the exact same
information into all 3 forms or your "comparisons" won't
actually be comparing anything, will they?

As soon as you've finished all of your comparisons then the
rest of your "job" is a snap - simply pick the lowest-priced
company and you're done! Now you know exactly how to get the
best rates on car insurance in Massachusetts.

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

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2.: Causes Of Irritable Bowel Syndrome And What You Need To Know

Posted by: "Jessica Bradbury" distribution@isnare.com articles_isnare

Sun Feb 3, 2008 8:12 am (PST)

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Article Title: Causes Of Irritable Bowel Syndrome And What You
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Author: Jessica Bradbury
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Researchers have yet to find a specific cause for irritable
bowel syndrome or IBS. It is known as a functional disorder,
which means that the way the bowel words is affected. However,
there are yet to be found any physical abnormalities that can
explain the symptoms.

One theory that has been proposed is that people who have IBS
have a large intestine, or colon, that is quite sensitive and
reactive to both stress and certain foods. It is thought that
the immune system may also be involved.

Symptoms of IBS seem to be caused by contractions of the muscle
in the bowel wall some researchers think. These contractions are
thought to be stronger and more frequent in people that have
IBS. The contractions seem to worsen after eating certain foods
and in stressful situations. If a person is intolerant to
certain foods such as dairy products, tea and coffee, it may
trigger symptoms.

IBS may often develop after a bout of gastroenteritis which is
an inflammation not only of the stomach but also of the bowel
linings. This often causes diarrhea and sickness. An infection
with a bacteria or virus may be the culprit here as well as food
poisoning.

These are some other causes of IBS which you may want to think
about:

Normal movement, or motility, may be absent in the colon of
someone who has IBS. The motility can be spasmodic, also called
a spastic colon or it can even temporarily stop working. Spasms
are strong and sudden muscle contractions that may come and go
periodically.

The lining of the colon which is also known as the epithelium
is affected by both the immune and nervous systems. It regulates
the flow of fluids both in and out of the large intestine or
colon. In a person who has IBS, the epithelium seems to work
properly.

However, when the contents inside of the large intestine move
too quickly, the colon is not able to absorb the fluids. This
results in watery stools. In other people, the movement inside
of the colon is much too slow.

This causes any extra fluid to be absorbed, and thus the person
suffers from constipation.

With a person who is suffering from IBS, their colon may
respond very strongly to certain foods or to stress that would
normally not bother other people.

Recent research has found that serotonin and normal
gastrointestinal functioning are linked together. Serotonin is a
chemical, or neurotransmitter, that delivers messages from one
body part to another. Approximately 95% of the serotonin in a
person's body is found in the GI tract, and the other 5% is
located in the brain. Cells which line the inside of the
intestines work as transporters and work at carrying the
serotonin out of the gastrointestinal tract. People who suffer
with IBS do not have as much receptor activity as normal people,
and this causes a build-up of serotonin in the GI tract. As a
result, people with IBS suffer from problems with bowel
movement, sensation and motility since they have more sensitive
pain receptors located in their GI tract.

Researchers also have reported that IBS may be linked to a
bacterial infection in the GI tract. Studies have been
documented that people who have had a bout of gastroenteritis
may sometimes develop IBS.

These are the main causes of irritable bowel syndrome. If you
think that you may be suffering from this disease, it would be
wise to consult your physician.

About The Author: Article written by Jessica Bradbury, she has
a site dedicated to bottom line information on IBS at
http://www.ibs-information.com

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3.: Finding Quality Vinyl Records Online- It Is Easier Than You Think

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

Sun Feb 3, 2008 8:12 am (PST)

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Article Title: Finding Quality Vinyl Records Online- It Is
Easier Than You Think
Author: Robert Benson
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While CD sales continue to plummet and music consumers go
"digital," there is an audio format that has endured through all
the other formats that were supposed to bring it to its demise.
As we read about the resurgence in the production and sale of
vinyl records (up ten percent from last year), some still assume
that finding vinyl is a hard process.

And although the `brick and mortar' stores may be closing up
shop, a new avenue for vinyl lovers has come to the forefront;
the `online record shop.'

From the `big box' online retailers like Music Stack, GEMM, Net
Music, and even ebay to the small independent dealers like
vinylcollective.com, diversevinyl.com, heydj.com and many more,
finding quality new and used vinyl records has become quite
easy.

I spoke with Lorie Beshara operator and owner of a small vinyl
website called BackToVinylRecords.com about this phenomenon and
the enjoyment she gets from, not only the music, but this
historic format as well.

"I have been selling vinyl records since the year 2000, but I
have been collecting vinyl forever," Lorie said. "I was raised
in a family of musicians and I have a great love and
appreciation for all kinds of music. In fact, my Mother was a
singer with some of the all-time greats including Ted Weems,
Artie Shaw and Les Brown, among others. My Father was a very
famous drummer (at one time he was named the drummer of the
year) and he also produced a band called Fuse. I still have some
of my Mother's old records; I cannot bring myself to part with
those."

I asked Lorie if she remembered the first 45 rpm that she
purchased.

"Oh my, yes, the first 45 I bought was "Surfer Girl," by the
Beach Boys, when I was fourteen. They were very popular and I
just loved their sound," recalled Lorie.

She held on to all her records and she decided to go into
business online selling used vinyl that she has accumulated over
the years from garage sales, estate sales, thrift stores and
what she can find locally. But before she opened
www.BackToVinylRecords.com, she had to research the best methods
of cleaning and grading records.

"Some of the records are so dirty, but will certainly play
great once they are cleaned up a bit. So I did extensive
research as to the optimum way to clean and grade them," said
Lorie.

After trying several different methods, Lorie has discovered a
simple, yet very effective way, to clean up the records she has
for sale.

"Each record is meticulously cleaned using a UPI Record
Cleaning Machine using ionized water, which helps eliminate
static. It also takes off all the dust, dirt, human oils and
nicotine off the records," explained Lorie. "Then I dry the
records with a microfiber cloth."

We talked about the very subjective and tricky element of
grading vinyl records.

"I am very, very picky about my grading and especially so with
a rare and valuable record," detailed Lorie. "All the records I
sell are, not only professionally cleaned, but I also "play
grade" them (for 45's I play grade the `A' side) and I love
listening to the old music. I then incorporate the Goldmine
Grading Standard to them and give the buyer a clear indication
of the quality of a record. I do grade conservatively and the
condition of the album cover (for 33 rpm) or the 45 rpm record
sleeves are also taken into account. I use Jerry Osborne's
"Cyberguides," (which is a real-time weekly update of his
Rockin' Records Price Guide) GEMM or Musicstack to gage what a
particular record may be selling for and combined with the
condition, I ascertain how much I will be selling the record
for."

Besides BackToVinylRecords.com website, Lorie also sells her
records on ebay.

"Ebay is a wonderful option, you have a targeted buyer that may
be looking for exactly what you are selling," said Lorie. "It is
also a great place to find rare and undervalued records. And we
sell 45's from all genres, from big band, blues and country to
folk, gospel, rock and everything in-between."

But Lorie and her husband have also incorporated a novel
concept with the records that don't pass her strict grading
policies. They have created the "Rock N Roll Beverage Coaster,"
a fast-selling novelty gift.

"These 45 rpm coasters make great gifts and conversation
pieces," added Lorie. "We take an unplayable oldie, coat it in a
thick high gloss acrylic finish, add a cork backing and they fit
into any bar or living room. These are used records, so the
labels may show signs of wear and tear and slight defects, but
that is their charm."

In a musical arena filled with thousands of online retailers
pitching vinyl records, it is refreshing to find a small "Mom &
Pop" shop, where you can not only find quality used vinyl
records, but have personal service, a unique gift option and a
music lover that appreciates the memories that we all have of
our treasured music format.

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." Contact Robert at robert@collectingvinylrecords.com

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4.: Reliable Life Insurance Company – How To Find The Best Companie

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

Sun Feb 3, 2008 9:11 am (PST)

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Article Title: Reliable Life Insurance Company – How To Find
The Best Companies?
Author: Elizabeth Newberry
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A life insurance policy is a huge purchase. Think about it –
your life insurance policy can help you and your family in times
of financial stress while you're still alive, and they can help
your beneficiaries, who are usually your family members, in
times of financial stress after you've passed away. Naturally
you want to purchase your life insurance policy from a reliable
life insurance company; but, which companies are the best? Those
which are financially strong and customer-focused.

To ease your worries, most life insurance companies don't
suddenly disappear due to financial struggles and/or
bankruptcies. This is because the business of selling life
insurance is heavily mediated, and in order for a life insurance
company to be approved to do business in a state, it must prove
itself to be financially secure and reliable. So, you shouldn't
feel too hesitant about purchasing a life insurance policy from
a life insurance company that hasn't been around very long if
that life insurance company offers you a great package; however,
if you feel more comfortable choosing a reliable life insurance
company that's been around for decades, you can find the top
rated life insurance companies by checking out the different
ratings given by independent research companies.

Once you have decided on a few life insurance companies that
seem reliable, reputable, and worthy of your business, it's time
to do your own research. You definitely want to choose a life
insurance company that offers friendly and accurate customer
service, whether you decide to complete the transaction
face-to-face with an agent from the life insurance company, or
make the purchase online and by telephone. Schedule an
appointment with an agent or call a customer service
representative with any questions you have about their life
insurance policies. Their patience and the thoroughness of their
answers will give you a pretty good idea as to whether or not
you want to do business with them.

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

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5.: How To Save Money And Get Discount Car Insurance In Nevada

Posted by: "Angela Farnsworth" distribution@isnare.com articles_isnare

Sun Feb 3, 2008 9:11 am (PST)

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Nevada is a no-fault auto insurance state which means that its
auto insurance rates are among the highest in the nation.
Therefore it is very important to shop around and compare
policies in order to save money and get discount car insurance
in Nevada.

Before you begin searching for the best prices on car insurance
in Nevada, you need to sit down and decide what coverage you
need. If you are driving a newer car that is financed you will
need to carry the coverage required by your financial
institution. Your required coverage may be greater than the
state minimum requirements.

If you have a list of lender-required coverage amounts then
sits down on-line with that list and key it in on one of the
many auto insurance quote sites that allow the instant
side-by-side comparison of car insurance rates.

If you drive a car that is fully paid for you have additional
options that you may not have with a vehicle that is financed.
In Nevada you are required to carry minimum liability coverage:
$15,000 per individual for any bodily injuries you cause to
other people, $30,000 for all injuries and $10,000 to cover any
damage you do to another person's property. You are not required
to carry any form of personal injury insurance – although you
may elect to carry such coverage.

All Nevada car insurance companies offer coverages in addition
to the state minimums and you may want to consider additional
coverage depending on the age of your vehicle, the value of your
vehicle, and your personal financial situation.

Your auto insurance rates in Nevada are determined by a number
of factors: your age, your driving record, the kind of car you
drive, and the area that you live in.

If you are going online to shop and compare discount car
insurance in Nevada you'll need to have some information on hand
to make your job easier. First you'll need your driver's license
and the information it contains. You'll also need a record of
any accidents or tickets you have had in the past 5 years and
any claims you have made against another auto insurance company
over the last 5 years.

Plan to spend 15 to 20 minutes filling out the form on the auto
insurance comparison website, but once you're done you should be
able to pick and choose the best auto insurance policy for you
and your family at a price you can afford.

Different companies charge different rates, so it definitely
pays to compare. A little time spent online today looking for
the very best and most affordable discount car insurance could
result in substantial savings for years to come.

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

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6.: What To Look For In A Full Coverage Automobile Insurance Quote In Fl

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

Sun Feb 3, 2008 9:11 am (PST)

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Article Title: What To Look For In A Full Coverage Automobile
Insurance Quote In Florida
Author: Larry Nez
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Compared to most other states, Florida actually requires very
little from its residents when it comes to the automobile
insurance they are required to purchase if they wish to drive a
vehicle on a public roadway in Florida.

If you have a good driving record you can legally drive your
automobile in Florida if you purchase just $10,000 of Personal
Injury Protection (PIP) coverage and another $10,000 in Property
Damage Liability (PDL) coverage. If your driving record includes
a crash or if you have gotten speeding or other tickets the
state is allowed to force you to also buy Bodily Injury
Liability (BIL) insurance before you can legally drive.

What does this minimum insurance cover? Not much, really.

Personal Injury Protection – PIP coverage – covers medical
expenses for anyone in your vehicle if you are in a crash
regardless of whose fault the accident is. If you've been to a
doctor or spent even one night in a hospital or made even one
visit to the ER in the past year then you know that $10,000 in
insurance coverage will barely cover the cost of a scratch to
someone's upper arm, let alone anything even remotely serious.

Property Damage Liability (PDL) insurance covers the repair or
replacement of the other person's car and certain other property
due to a crash, regardless of whose fault the accident is.

Again, $10,000 will barely cover the replacement of a bumper on
many of today's high-priced cars.

Bodily Injury Liability (BIL) insurance covers the medical
expenses of anyone in the other car if you are in an accident.
This insurance also pays for certain legal expenses if you are
sued following an accident. Considering today's medical costs
you may wish to consider carrying as much BIL insurance as you
can afford, especially if you have a home or other assets which
you could lose in the event of a lawsuit.

If you want your automobile to be repaired or replaced in the
event of an accident you need to purchase two additional
insurance policies – a comprehensive policy as well as a
collision policy.

As the name implies, collision insurance protects your vehicle
in the event of a collision with another moving vehicle or with
a stationary object, such as a tree or a light post or a
guardrail. If your vehicle's engine is running and your vehicle
is moving when an accident occurs, then your collision policy
will cover the cost to repair your automobile up to the limits
of the policy or up to the Kelly Blue Book value of your
automobile.

Comprehensive insurance covers repair or replacement of your
vehicle if it is damaged by an "Act of God" – such as a tree
branch crashing down on it during a storm – or if it is damaged
by vandalism. Your comprehensive insurance also covers you if
you hit a deer or other animal which causes damage to your
vehicle.

So in Florida what you want to look for in a full coverage
automobile insurance quote is:

• Personal Injury Protection (PIP) insurance
• Property Damage Liability (PDL) insurance
• Bodily Injury Liability (BIL) insurance
• Collision Insurance
• Comprehensive Insurance

Now you know exactly what to look for in a full coverage
automobile insurance quote in Florida. The amount of each type
of insurance that you choose to carry should be based on your
personal assessment of the risks that you face each day, the
cost of the insurance and the assets which you wish to protect.

Getting the best deal on full coverage automobile insurance in
Florida is a matter of determining what you want in a policy and
then comparing the price for that policy among all of the
insurance companies in Florida. The best way to do that is
through the multitude of automobile insurance comparison
websites on the internet.

Just remember that since no one comparison website makes
comparisons between all of the automobile insurance companies
operating in Florida you really need to spend the extra time to
make your comparisons on at least 3 different websites.

Once you've done that then basically all that's left is to
choose the best price that you find. Happy hunting!

About The Author: My recommended sites here: Full Coverage
Automobile Insurance in Florida http://www.saveitmonthly.com/

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7.: Debt Reduction Tips

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

Sun Feb 3, 2008 9:12 am (PST)

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Virtually everyone who is in debt wishes he or she was in less
debt. For the purposes of this article, debt is anything that
you pay for with cash or credit during the course of a week or a
month. It should not come as a surprise that many consumers
simply have no idea where a sizable chunk of their income goes
each month. This invisible debt can add up quickly, but it can
also be easily identified with a little bit of effort.

There are some financial obligations that are fairly static and
remain the same throughout the life of the loan. This might
include such things as auto loans or rent payments. Generally
speaking, these types of loans have a set payment amount and
that amount is due month in and month out until you pay off the
loan. These debts are difficult to manipulate, and for that
reason they are not a part of the debt reduction tips listed
here. The debts that can be manipulated are those that you have
more control over.

Some of the debt, or if you prefer expenses, that you do have
some control over include such things as groceries, lunch
expenses, entertainment expenses, and clothing expenses. Other
types of debt that you have at least some control over (in most
cases) include such things as auto insurance premiums, life
insurance premiums, internet fees, utility usage (water,
electric, etc).

The only effective way to get a handle on your controllable
debt is to know what it is. To do this, you have to make a list,
a daily list, of what you are spending your money on. This list
should include everything that you buy. From carfare to coffee,
if you pay out money for something, jot it down on a piece of
paper. At the end of a week or two, you will have a very good
idea of where some of your money is going.

One of the more remarkable things that these simple daily lists
can do for you is show you how even small amounts of money spent
each day add up over the course of a month. For example, let's
say that you spend a dollar each morning for a newspaper and two
dollars for a cup of coffee. Then you spend five dollars for
lunch, Monday through Friday. At the end of one week, you would
have spent twenty-one dollars for papers and coffee and another
twenty-five dollars for lunches. At the end of a month you would
have spent eighty-four bucks for papers and coffee and one
hundred dollars for lunches. That is nearly two hundred dollars
that you could easily save or reduce. If you spend more for
coffee and lunches, your savings increase if you cut back on
these expenses.

Most consumers have no idea how much money they can save when
they become more diligent in cutting off appliances and lights
that are not being used. Consumers who have good driving records
can often simply ask for a better rate on their auto insurance
and get it. The same can be true with life insurance and even
with credit cards. By simply asking for better rates, consumers
can often get them. It really is that simple. Why not spend some
time investigating what you can cut back on? You might be
surprised at how much money you can save.

About The Author: Peter Kenny is a writer for The Thrifty Scot,
please visit us at
http://www.thriftyscot.co.uk/Loans/Secured_Loans.html and
http://www.thriftyscot.co.uk/Loans/Personal_Loans.html
http://www.thriftyscot.co.uk/Loans/012008/dont-pay-over-the-odds-in-the-sales.html

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8.: What Is A No Teletrack Payday Loan?

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

Sun Feb 3, 2008 10:11 am (PST)

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Payday loans are a quick way to get the cash you need in an
emergency. It enables you to get your cash (sometimes) in an
hour or less if you use the fax method. When the payday loan
lender is checking to see if you can be approved or not, there
is a system that is normally looked at to verify that you
qualify. Here is what you need to know about a no Teletrack
payday loan.

Since payday loan lenders do not check your credit score when
you apply, they do need to be able to help them keep track of
the loans that are currently open. This means that another
computer system needs to be in place to help them track how many
loans a person has out and what status each loan is in. It is
used to protect them against fraudulent applications, and helps
them follow the laws, too. Nearly all payday loan lenders use
this system - called Teletrack, although there are other ones,
too.

The application process is still the same as with other payday
loans. You are required to provide information about your
employment and your income. You will need to have been employed
for at least two months in the same place. As far as salary
goes, you must have a salary of at least $1,000 each month.

An active checking account needs to have been in operation for
about two months, and you will need to provide information about
it. This is the account that the payday loan lender will send
your money to once it is approved. You will also need to
authorize the lender to debit your account with the loan amount
and the interest on the day it is due. An alternative is to
leave the lender with a postdated check.

All of this data will still be verified, as usual, but a check
with Teletrack will not be used. A little caution should be used
here, however. Since Teletrack provides a safety net for payday
loan lenders, the question must be asked why they want to
advertise that they will not use it. When people with bad credit
can apply, or even those who have absolutely no credit record as
yet (as long as they are 18 or older), it is doubtful that
anyone who is honest would go for it.

The truth is that there may be additional interest charges
applied. You are the one who needs to check a particular company
out before you apply. You can easily do this by doing a search
on the Internet, and see what kind of information comes up.

It is also a real good idea to shop around and find other
reputable companies that have been existence for a while.
Interest rates vary with each lender, so you will want to find a
good low rate for your no Teletrack payday loan - or just a
regular payday loan. If it is your first payday loan - you can
find a lender who will lend you the first one - for free if you
look around for it.

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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9.: Different Selections For Online Shopping

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

Sun Feb 3, 2008 10:12 am (PST)

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Author: James Brown
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Some online shopping selections are left up to the shopper
because they are shopping with a gift card. The gift card might
have come from a family member or a friend from work and the
gift card can be filled electronically with money that totals
any amount. When online shoppers have access to plastic money,
they are liable to spend hours looking over the product
selection in a store because they want to make sure that they
will eventually buy the best present in the world.

The online shopping selections can be as diverse as products
found in a land-based retail outlet. Customers that are
searching for clothing and accessories might be online for
hours. The clothing aisles in an online shopping environment
will be filled with all sizes of clothing and some of the
remaining aisles of the clothing department will include
clothing selections such as handbags and wallets. Other
accessories can be quickly found while online shopping such as
shoes and travel luggage. By the time a customer leaves an
online shopping mall, they will definitely be ready to travel.

People enjoy other interests than shopping online with friends.
They will shop online for items that friends will also enjoy
including top of the line consumer electronics. Customers can be
inspired to take up certain hobbies just by scanning through the
aisles of the store. The digital cameras and photographic
accessories might inspire some to take many photos. Some might
seem like a professional photographer by the they are finished
shopping online because with tripods, cases, and lenses online
the person will present a very professional photographer
appearance.

Some people go online shopping because they enjoy being home
bodies. They enjoy searching through the latest home appliance
inventions and make plans to buy a few kitchen accessories in
the future. While shopping online, they might spend some time
compiling a list of building supplies for a new room addition
that is being planned, and to make that room warm and cozy the
person will go online and go shopping again for comforters and
sheets and a four-poster bed.

Many online shopping selections will make life more enjoyable.
People enjoy shopping for electronic devices such as cell
phones, and 2-way radios. Online shoppers are able to
communicate freely with these electronics selections and when
they get bored the shoppers can always explore the idea of
buying headphones and recording equipment. Some online shoppers
search the aisles for karaoke machines and mikes, just so they
can stay at home and host a family talent night.

People can purchase any number of things and never have to
worry about standing in a line while paying for those items. The
online shopping selection extend to payment options because
online shoppers have the benefit of online discounts and the
online shopping selections of using debit cards, credit cards or
checks for payment of the items they purchased online shopping
that day. Online shopping selections might be more plentiful at
times because of sales that occur throughout a month. People buy
more when they know they can safely checkout without having to
worry about somebody invading their privacy.

About The Author: James Brown writes about
http://www.lecoupons.fr

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10.: Dine At The Top Five Restaurants In Orlando

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

Sun Feb 3, 2008 10:12 am (PST)

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When you make your vacation visit to Orlando you will probably
want to sample the best cuisine you can. To make it easier for
you to choose from all the restaurants on offer in Orlando, I
have selected five restaurants which users of a popular
restaurant directory have chosen as their favorites. So, read on
and take note in case you are in Orlando now or are visiting
there soon.

Jack's Place Restaurant

Jack's Place is a steakhouse located at the Rosen Plaza Hotel,
on International Drive, in Orlando. Its menu features gourmet
food and seafood and a three course meal costs $45 per person.
According to the restaurant's website, this is a place where
celebrities hang out and this is proven by the décor in the
restaurant which features autographed star caricatures ranging
from Bertrand Russell to Yogi Berra. You can get a 50% discount
coupon on the restaurant's website, www.jacksplaceresturant.com
or contact them at these numbers: Local: 407.996.1787,
Toll-Free: 1.800.366.9700

A Land Remembered

This is another steakhouse and its distinctive name is taken
from Patrick Smith's rich novel featuring Florida's historical
moments and landscapes. Their featured dishes include: Slow
Roasted Prime Rib, Punta Rassa Pompano, Tobias Braised Short
Ribs, and Gator Creek Stew. The restaurant is located in the
golf clubhouse and is open nightly for dinner. Evening resort
attire and reservations are recommended. For reservations, call
(407) 996-FOOD (3663) and for more information visit their
website: http://www.landrememberedrestaurant.com

Calla Bella

As its name suggests, this is an Italian restaurant that brings
authentic Tuscan cuisine to Orlando. Its menu features crisp
salads, rich seafood, steaks, fresh pastas and fine wines. This
is a moderately priced restaurant it offers offer special dining
packages during major Holidays. In case you were wondering, the
name Cala Bella, or "Beautiful Creek" as it translates to
English, comes from Mr. Rosen's celebration of Florida's history
and the unique history of Shingle Creek itself. Cala Bella's is
located inside the Rosen Shingle Creek Hotel at 9939 Universal
Blvd Orlando, FL 32819 and you can reach them at: (407) 996-3663
Fax: (407) 996-3322. For more information visit their website
at: http://www.calabellarestaurant.com

Everglades

Here is an authentic Florida restaurant dedicated to the
Everglades. It's menu features prime steaks, fresh Florida
seafood, and unique regional specialties. This is another
restaurant inspired by Orlando hotelier Harris Rosen. According
to their website, "The Everglades Restaurant pays homage to the
vast expanse of threatened wetlands in south Florida. Both the
interior design and menu reflect a respect for the native flora
and fauna of the Everglades." The restaurant is located at the
Rosen Centre Hotel on International Drive and you can contact
them by phone at: 1-800-800-9840 Ext. 3610 or 407-996-2385.
Visit their website at: http://www.evergladesrestaurant.com/

Volcano's Coffee Bar

We round out the top five with a popular franchise coffee bar
featuring volcanically grown coffees. According to their
website, the best coffees are grown in volcanic soils and that
is where their gourmet coffee comes from. The chain has several
locations in central Florida and here is one in Orlando: "The
Plaza", 133 S. Orange Ave., (407) 404-6491. For more locations
and more information visit: http://www.volcanoscoffee.com

This just starts the list, there are many more great dining
opportunities awaiting you in Orlando and you can find out more
about the cuisine in this area by visiting the directory of
Orlando websites located at http://www.orlandosrestaurants.com

About The Author: Mark Whichard writes frequently about Orlando
tourism. He is a specialist in Orlando Vacation Villas. Visit
http://www.qualityvillarentals.com for the best deals in
vacation villa rentals in the Orlando area.

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11.: Whole Life Insurance Options

Posted by: "Donald Lusan" distribution@isnare.com articles_isnare

Sun Feb 3, 2008 11:11 am (PST)

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Article Title: Whole Life Insurance Options
Author: Donald Lusan
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Whole life insurance is the plan of choice for many people.
There are many variations to this plan. It may be a good thing
to look at some of them. We will begin by examining the basic
whole life policy.

Whole Life Insurance

What is a whole life policy all about? If you want a policy
that you can keep for as long as you live and that will pay the
face amount to your beneficiaries then this may be the plan for
you. There is, however, a lot more to this policy. There are two
types of whole life policies...participating and non
participating. Participating whole life has cash values and earn
dividends if the life insurance company performs efficiently.
Dividends are not guaranteed. Non participating policies have
cash values but pay no dividend. The premiums are level
throughout for both types and so are the death benefits. There
are many modifications to these policies.

Graded Premium Life

With this policy the premium begins much lower that the normal
cost and increases each year for a specified period then it
levels off and remains level for the rest of the life of the
policy. The ultimate premium is usually a little more the it
would have been had a normal whole life policy been taken out at
the outset. The premiums increase for 5 or 10 years depending on
the particular companies idea as to how the policy should work.
This type of policy is purchased by one who likes the idea of
whole life insurance but doesn't want to put out the full
premium at the outset.

Limited Payment Whole Life

This policy is designed that you pay only for a specific period
of time but you still own your policy for your entire life. What
the life insurance companies are doing here is packing the cost
of the policy in the first 5, 10 or 20 years for example. You
don't pay after these periods but you still own your policy. You
still have your cash values and you still earn dividends. Keep
in mind that the cost for such policies are more than those of
regular whole life insurance policies.

Single Premium Whole Life Insurance

The idea here is that you pay only once and the policy remains
in force for as long as you live. The policy has cash values
from very early and, if a participating policy, accumulates
dividends.

There are other variations to the whole life policy. They are
usually referred to as modified life policies. Some have a lower
level premium for 5 or 10 years and a higher level premium
thereafter. There are a few others that have a more complex
premium structure but with a lower premium throughout. This
premium is based on whether or not the company pays a dividend.
As a result the owner of the policy may end up with a lower
death benefit than anticipated, if the company doesn't perform.
The older and stronger companies, however, usually are able to
keep the death benefit at the original level.

For more details:
http://www.lifeinsurancehub.net/whole-life-insurance.html

For more on how these policies are used:
http://www.lifeinsurancehub.net/wholelifeinsurance.html

About The Author: For more than 40 years Donald has been known
for his extensive knowledge of the life insurance business. He
has represented some of the largest and most admired life
insurance companies in the United States as well as Canada. His
advice is invaluable. Donald's website is:
http://www.lifeinsurancehub.net

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12.: How Many Hair Transplant Grafts Do You Need?

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

Sun Feb 3, 2008 11:11 am (PST)

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Article Title: How Many Hair Transplant Grafts Do You Need?
Author: David Riewe
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When you shop for a hair transplant surgeon, you will find that
different doctors give widely varying estimates of the number of
grafts you will need. This can make you very uncertain about
the wisdom of even getting a hair transplant. It helps to have
a fair idea of what to expect.

Unfortunately, there are hair transplant surgeons who do not
take their position of respect seriously. Some doctors are even
transplanting donor hair into areas where the patient still has
hair. Perhaps this is easier than placing it where it
rightfully belongs - on the balding spots.

For whatever reason, some hair transplant patients are not
getting the number of grafts on their balding areas as they are
billed. This is testified by certain doctors who have seen the
results. The density of hair on these patients' heads is not
commensurate with the number of grafts they supposedly got.

The best hope a patient has of getting what he pays for in a
hair transplant is to learn to calculate the number of grafts he
needs to cover his balding area. If the surgeon he sees is not
in that ballpark, it may be wiser to look for another surgeon.
If however, the surgeon estimates a similar number, just make
sure all the grafts go onto the balding parts of your scalp.

To calculate the number of grafts you need for hair transplant
surgery, there are several factors to take into account. The
thickness of the hair shaft makes a difference. Whether the
hair is curly or straight determines if the hair will lie flat
or stand up, creating more fullness.

Another important factor for hair transplant is the color of
the hair in contrast to the color of the skin. For a
light-skinned man with light-colored hair, or a dark-skinned man
with dark colored hair, it takes a certain amount of hair to
cover the baldness. However, a light-skinned man with very dark
hair will need much more hair to provide the same amount of
coverage.

You should figure that the average number of hair transplant
grafts needed to cover a balding area is 25% of the original
hair that was there. You can move up or down from this figure
according to your other factors such as thickness, curliness, or
color. Then, you can use this number to figure up the grafts
needed.

Based on the fact that the average Caucasian male has a density
of 2 hairs per millimeter, it can be assumed that the average
density of hair is 1250 hairs per square inch. Figuring at an
average of 2 hairs per follicular unit, it would take 625
follicular units per square inch.

To get 25% of that, you would need 156 follicular units per
square inch. All that remains is to measure your balding area
and multiply the number of square inches by 156. When you know
what number of grafts to expect during your hair transplant
surgery, you will be a savvy consumer. It does not hurt one bit
go into the process with an idea of your own about how the
treatment should go.

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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13.: Destruction Of Damascus (Isaiah 17)

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

Sun Feb 3, 2008 11:12 am (PST)

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Article Title: Destruction Of Damascus (Isaiah 17)
Author: Britt Gillette
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In the last days, the Bible tells us of a horrible series of
events that will take place in the lands of Israel and Syria.
One of these events is the disappearance of Damascus as one of
the premiere cities in the world. The oldest continuously
inhabited city on the planet, Damascus has witnessed at least
5,000 years of human history, and some historians believe the
city actually dates back to the seventh millennium BC. In fact,
Paul was on the road to Damascus when Christ first appeared to
Him, an event that transformed not only his life, but the course
of human history.

In the very near future, Damascus will once again play a major
role in human events. The prophet Isaiah provides us with God's
commentary on a future conflict between Damascus and Israel, and
in so doing, he reveals certain prophecies which have been
partially fulfilled in the past. However, the ultimate
fulfillment of Isaiah 17 remains in the future. The current
existence of Damascus, which will one day cease to be a city, as
well as the historical absence of the coalition of nations
prophesied to attack Israel and be destroyed by God, is proof
that Isaiah 17 prophesies events yet future.

This is what God revealed to the prophet Isaiah:

"This message came to me concerning Damascus: `Look, Damascus
will disappear! It will become a heap of ruins. The cities of
Aroer will be deserted. Sheep will graze in the streets and lie
down unafraid. There will be no one to chase them away. The
fortified cities of Israel will also be destroyed, and the power
of Damascus will end. The few left in Aram will share the fate
of Israel's departed glory,' says the Lord Almighty." Isaiah
17:1-3 (NLT)

These opening verses paint a bleak picture. The city of
Damascus will become a heap of ruins, utterly destroyed. Few, if
any, buildings will be left standing. The once great city will
be devoid of human life and will become home to all manner of
wildlife in the absence of humans to chase them away.

According to these verses, the cities of Aroer, which are
located on the northern bank of the Arnon River just east of the
Dead Sea, will also be deserted. However, the passage doesn't
say they will be destroyed in the same manner as Damascus, just
that they will be deserted. It may be that people simply flee
these cities out of fear.

In addition, many of the fortified cities in northern Israel
will also be destroyed. Those few who remain in Aram, 38 miles
south southeast of Damascus, will share the fate of these
northern Israeli cities.

"`In that day the glory of Israel will be very dim, for poverty
will stalk the land. Israel will be abandoned like the grain
fields in the valley of Rephaim after the harvest. Only a few of
its people will be left, like the stray olives left on the tree
after the harvest. Only two or three remain in the highest
branches, four or five out on the tips of the limbs. Yes, Israel
will be stripped bare of people,' says the Lord, the God of
Israel." Isaiah 17:4-6 (NLT)

The breadth and scope of destruction is clearly illustrated as
God describes the Israeli landscape as stripped bare of people.
Only a small fraction of people either choose to stay in the
land or else survive what is a massive holocaust, leaving only a
few inhabitants who struggle in poverty.

"Then at last the people will think of their Creator and have
respect for the Holy One of Israel. They will no longer ask
their idols for help or worship what their own hands have made.
They will never again bow down to their Asherah poles or burn
incense on the altars they built." Isaiah 17:7-8 (NLT)

As a result of this event, the people of Israel will once again
turn to God Almighty. Currently, the nation of Israel is
predominantly secular in nature. Other biblical passages infer
that this will change as the prophesied rebuilding of the Temple
in the last days indicates a spiritual resurgence among the Jews
of Israel. Nevertheless, this passage clearly indicates the
people of Israel will turn away from all false idols and gods.

Knowing that this will happen, we must ask: why does it happen?
The answer is found in the verses that follow:

"Their largest cities will be as deserted as overgrown
thickets. They will become like the cities the Amorites
abandoned when the Israelites came here so long ago. Why?
Because you have turned from the God who can save you – the Rock
who can hide you. You may plant the finest imported grapevines,
and they may grow so well that they blossom on the very morning
you plant them, but you will never pick any grapes from them.
Your only harvest will be a load of grief and incurable pain."
Isaiah 17:9-11 (NLT)

The devastation that overshadows Israel will come about because
Israel has "turned from the God who can save them." All the hard
work performed prior to this event will be lost. Those who have
been distracted by the things of this world will be
disappointed, for they have forgotten God, and by putting faith
in the things of this world, they will ultimately be
disappointed. Their only harvest will be "a load of grief and
incurable pain." This grief will be brought to a climax when, in
the midst of their suffering, the nation of Israel faces an
imminent invasion:

"Look! The armies rush forward like waves thundering toward the
shore. But though they roar like breakers on a beach, God will
silence them. They will flee like chaff scattered by the wind or
like dust whirling before a storm. In the evening Israel waits
in terror, but by dawn its enemies are dead. This is the just
reward of those who plunder and destroy the people of God."
Isaiah 17:12-14 (NLT)

While Syria and Israel lie in ruin, the enemies of Israel will
view her suffering as an opportunity to invade, their ultimate
goal to destroy her forever. However, God has a different plan
in mind, and He will destroy these invaders Himself. A more in
depth illustration of this attack is foreseen in Psalm 83:

"O God, don't sit idly by, silent and inactive! Don't you hear
the tumult of your enemies? Don't you see what your arrogant
enemies are doing? They devise crafty schemes against your
people, laying plans against your precious ones. `Come,' they
say, `let us wipe out Israel as a nation. We will destroy the
very memory of its existence.' This was their unanimous
decision. They signed a treaty as allies against you – these
Edomites and Ishmaelites, Moabites and Hagrites, Gebalites,
Ammonites, and Amalekites, and people from Philistia and Tyre.
Assyria has joined them, too, and is allied with the descendants
of Lot. Do to them as you did to the Midianites or as you did to
Sisera and Jabin at the Kishon River. They were destroyed at
Endor, and their decaying corpses fertilized the soil. Let their
mighty nobles die as Oreb and Zeeb did. Let all their princes
die like Zebah and Zalmunna, for they said, `Let us seize for
our own use these pasturelands of God!' O my God, blow them away
like whirling dust, like chaff before the wind! As a fire roars
through a forest and as a flame sets mountains ablaze, chase
them with your fierce storms; terrify them with your tempests.
Utterly disgrace them until they submit to your name, O Lord.
Let them be ashamed and terrified forever. Make them failures in
everything they do, until they learn that you alone are called
the Lord, that you alone are the Most High, supreme over all the
earth." Psalm 83 (NLT)

So how do we know that Psalm 83 describes the same scene
envisioned in Isaiah 17? Let's compare the two. Here's how the
intentions of Israel's enemies are described:

Plunder & Destruction
"This is the just reward of those who plunder and destroy the
people of God." Isaiah 17:14 (NLT)

Destruction
"They devise crafty schemes against your people, laying plans
against your precious ones. `Come,' they say, `let us wipe out
Israel as a nation. We will destroy the very memory of its
existence.' This was their unanimous decision." Psalm 83:3-5
(NLT)

Plunder
"for they said, `Let us seize for our own use these
pasturelands of God!" Psalm 83:12 (NLT)

Here's how the fate of Israel's enemies are described:

"They will flee like chaff scattered by the wind or like dust
whirling before a storm." Isaiah 17:13 (NLT)

"O my God, blow them away like whirling dust, like chaff before
the wind!" Psalm 83:13 (NLT)

From the description of their fate alone, it is reasonable to
conclude that the armies of Isaiah 17:12 are the same nations
who sign a treaty against the Lord in Psalm 83:5-8. Below is a
list of those nations and their modern geographical equivalents:

Edomites = Jordan / Parts of the West Bank
Ishmaelites = The Arab people
Moabites = Jordan / Parts of the West Bank
Hagrites = Jordan / The Arab people
Gebalites = Lebanon
Ammonites = Jordan
Amalekites = Southern Israel / Gaza
Philistia = Gaza
Tyre = Lebanon
Assyria = Syria / Parts of Turkey and Iraq
The Descendants of Lot = Jordan

By studying the geographical history of these ancient people
and places, we can uncover which nations they currently compose.
According to Psalm 83, in the aftermath of the destruction of
northern Israel and Damascus, Israel will be invaded by armies
from Jordan, the West Bank, Lebanon, Syria, and Gaza. All of
these locations are heavily populated by the enemies of Israel
today.

An Expanding War?

But are the nations cited in Psalm 83 the only nations involved
in this attack? It's quite possible that additional conspirators
are named in the Book of Ezekiel. Isaiah 17 and Psalm 83 might
well foreshadow the war of Gog and Magog.

In Ezekiel 38-39, an enormous coalition of nations, "a vast and
awesome horde" – will roll down on Israel "like a storm and
cover the land like a cloud" Ezekiel 38:9 (NLT). This prophesied
future war in Ezekiel has many similarities to Isaiah 17:12-14.
Both prophets foresee a time when enemy armies rush toward
Israel while she awaits unprepared. Both prophets foresee God's
instantaneous destruction of Israel's enemies. And in both
scenarios, the marching armies intend to plunder and destroy the
people of Israel:

Destruction
"You will say, `Israel is an unprotected land filled with
unwalled villages! I will march against her and destroy these
people who live in such confidence!" Ezekiel 38:11 (NLT)

Plunder
"But Sheba and Dedan and the merchants of Tarshish will ask,
`Who are you to rob them of silver and gold? Who are you to
drive away their cattle and seize their goods and make them
poor?'" Ezekiel 38:13 (NLT)

Plunder & Destruction
"This is the just reward of those who plunder and destroy the
people of God." Isaiah 17:14 (NLT)

Could the events predicted in Isaiah 17 and Psalm 83 be a
catalyst for the war of Gog and Magog prophesied in Ezekiel
38-39? Although it is not a certainty, the possibility can not
be completely ruled out.

About The Author: Britt Gillette is author of
http://BrittGillette.Com, a website studying the links between
bible prophecy and advanced technology. To learn more about
bible prophecy, Isaiah 17, and the destruction of Damascus,
visit his site: http://brittgillette.com/WordPress/?p=44

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14.: Where To Stay In Benidorm, Spain

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

Sun Feb 3, 2008 12:11 pm (PST)

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Author: Peter Wilson
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If you are planning a trip to Benidorm, one of the more popular
cities of the Alicante province, you will find that there are
many Benidorm accommodation options from which to choose.
Tourism is central to this region of Spain, particularly
Benidorm which offers accommodations to meet the needs and
preferences of everyone. In fact, there are over 170 hotels in
Benidorm ranging from basic to luxury hotels which gives you the
opportunity to find a hotel with your desired amenities, in your
preferred location and within your budget.

You can research accommodations on the internet where you can
compare hotel and property rentals to make the best decision.
However, begin your search early especially if you are looking
to travel during the summer season. The summer season is the
busiest time of the year for these coastal cities and the
hotels, apartments and villas fill up quickly. For summer
travel, it is recommended that you make accommodation
arrangements at least six months in advance. During your search,
you should compare not only the prices but the entire package
including the property's amenities, proximity to attractions of
your interest, restaurants that meet your tastes and style and
generally what is important to make it the best vacation for
you. If you are traveling as a family with young children, a
hotel with a pool or other activities for children is something
you definitely will want to consider. If the beach is the focus
of you vacation, you will want to find a convenient beach front
hotel. There are many things to consider, from nearby nightlife,
sightseeing opportunities, accessibility of transportation and,
of course, price. Larger hotels may have the swimming pools,
restaurants and be closer to attractions than the smaller hotels
or apartments, yet these small places may be closer to beautiful
sightseeing opportunities. Likewise, when comparing
accommodations, you must assess what is important for your
vacation.

In addition to the considerations above, you should consider
how long you will be staying. If you plan to stay for a longer
vacation, renting an apartment may be the better option and more
budget friendly than a hotel. Renting an apartment is often the
preference of those traveling as a family, since they may prefer
the privacy and "home" environment as compared to a hotel. You
can find rental apartments or villas through travel agents based
in Benidorm or even online, but a travel agent located within
Benidorm will probably be able to give you more quality
information on the best properties to rent and the rentals which
are available. Another option, though, is to deal directly with
the owner of the property. Many individuals purchase apartments
as second homes, or vacation homes, and rent it out when they
are not using it. Property owners may advertise available
properties online or in travel magazines. Though you may have to
do more searching to locate an owner yourself, you can save
money by not paying a commission to the travel agent.

About The Author: Peter J. Wilson usually publishes news on
subjects relating to Spain and Alicante. Working on his reports
(e.g. http://www.alicante-spain.com/benidorm-accommodation.html
on Benidorm Accommodation ) he improved his know-how on the
subject.

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15.: Methods Of Finding Cheap Holidays

Posted by: "Clinton Maxwell" distribution@isnare.com articles_isnare

Sun Feb 3, 2008 12:12 pm (PST)

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Clinton Maxwell

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Article Title: Methods Of Finding Cheap Holidays
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So many American families are putting off family traveling
because they simply just do not have the money or they are too
busy, however, you do not have to worry about not having the
time or money to travel because you can get some cheap discount
rates if you look in the right places. You will want to learn
about these discounts so that you and your family can enjoy
spending time away together. You will find that you can get some
discounts when you go online, look in the newspapers, and even
look through the yellow pages. Many families will venture off
into a vacation just so that they can get away and recoup from
the daily grind. You will find that if you learn about these
discounts that you can create memories for the whole family to
keep.

When it comes to your airfare, you will find that it can be
something that you cannot avoid and it is also very costly,
however, there are plenty of places that you can get good deals.
You will find that there are discounts for any place that you
need to go. You will want to think about the beginning of your
trip. It is always cheaper if you go during the middle of the
week (around Tuesday through Thursday). You will find that you
can stay for seven days at a hotel and be at discount rated too,
because you are checking in during the middle of the week. You
will also find that the time of day that you are departing from
or arriving will make a difference too. You will want to check
out the best times by comparing rates. You will also want to hit
the discount sites online too. You will find plenty of bargains
and you will also see what exactly it will take to put the
vacation together. Price line is one of the best places online
that you can find cheap fairs. You may also be able to use some
flyer miles that you have racked up on your credit card and such
too.

You will also find that when you get to the destination that
you will want to take public transportation to help you stay
safe. This can be very expensive, but there are still ways that
you can save some money. First, you may be able to find a deal
on a rental car online, but then you will also want to get
things like insurance and roadside assistance. You will find
that the price of renting is cheap, but when you add all of your
extras, things tend to get expensive. You will also find that if
you take buses you will be able to save some money. However, if
you are making plenty of day trips while on your vacation you
will be able to take the train and it will help you to get
across the country to other places and sites (this is important
if you are making several stops in European countries).

As for the hotels, you will want to go online and get your
rates. They will be cheaper and affordable. You will find that
if you take your time to get a good rate on a expensive hotel,
you'll feel a lot better than taking your chances on the cheap
bed and breakfasts. There are other types of shelter for those
who are looking for cheap rates, but you may find that it will
depend on the destination that you are planning. You will want
to make sure that your shelter is appropriate for your trip.

About The Author: Concentrating on latest news in Costa Blanca,
Clinton Maxwell published first and foremost for
http://www.alicante-spain.com . His articles on Benidorm are
found on http://www.alicante-spain.com/benidorm.html and also
other online publications.

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16.: Get Out To Enjoy A Quick Holiday

Posted by: "Johnathan Bakers" distribution@isnare.com articles_isnare

Sun Feb 3, 2008 12:12 pm (PST)

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If you are tired of the wintertime blues and you want to do
something fun, you may want to take a vacation. You may want to
think about getting away from it all and doing something fun for
yourself. However, it is right after Christmas and you will
still have to pay those Christmas bills. What are you going to
do? There is no way that you can afford to pay for a trip or
plan ticket now. There is an option for you so that you can
afford and you do not have to miss any time from work as well.

You can take a great getaway in your hometown. There are great
places to see and things to do in your own home town that have
been there forever and you just never took the time to see. You
should not take these things for granted anymore and go out and
have some fun. There are places to visit and things that you
can do to keep you entertained and excited without leaving your
own town.

You should be able to take at least three days out of your busy
workweek to enjoy these great sites. You can spend some time
relaxing and enjoying life without spending a lot of money. You
can take a great three-day vacation in your own hometown easily.
If you do not have a lot of money to spend on this vacation it
is ok. You can get a hotel room with a great deal of amenities
so that you can do all the things that you would if you were on
vacation. This is especially great if you live in an area that
has snow and ice all the time. You can take advantage of the
free breakfast and get some relaxing time to yourself or with
your loved one at a price you can feel good about.

If you do not have any money, you can stay at home. Do not
take any phone calls and stay away from your computer and work.
Make this your time and do what ever you want. This is a great
way to have a three-day getaway for you. Lock the doors and
enjoy the quiet time. Watch your favorite movies and eat all
you want. This is a great adventure for anyone.

If you live in a hometown that has places for hikes and other
beautiful places in nature to go, you should take advantage of
it. There are great places that you can see that do not cost
anything or much at all. You will love being out in nature and
seeing what was always right there in front of you and you never
noticed.

If you have some great historical sites in your hometown, this
is the perfect time to check them out. There are great things
to see and learn about that you never even took the time to know
before. You will feel good about this type of getaway and it is
going to be a great experience that you can keep with you
forever. There is little travel involved and it is a great time
to do on your own or with someone that you love.

Museums are another great way to get away. You can check out
all that is available to you when you visit one of these
hometown places. You will not have to go far and the cost is
very little. You need to take this opportunity if you are
taking a three-day getaway from the hustle of regular life.

Parks are another great place to visit. You can take a bike
ride or walking trial that is in your area. This is a great
place that will give you some fresh air and allow you to get
exercise on your three-day getaway. Take advantage of the free
events that are available to you. You can check out your
newspaper to find out what you can do on your time off. There
is always something going on and you can do this in your free
time. Visit the library and do the same thing. There are
events happening all the time and you do not want to miss out on
all the fun that you can have. There are also great exhibits
that you can take in when you are looking for something to do as
well.

There are great attractions that you can find within your
limits of home. You can take great day trips to make you relax
and have some time to yourself. There are things that you can
do as well to spend time with your family too. You do not have
to spend a great deal of money to have fun. You can stay at
home, sleep in your own bed and stay comfortable for much less
than what you would spend anywhere else. The most important
thing to remember is that you are enjoying yourself without the
stress of regular life. Choose the best attractions that are
going to interest you and find something fun that you will all
enjoy.

Three-day vacations can be a great and very relaxing time for
you and your family. You will only need to use a little bit of
imagination to make it a great family getaway for anyone that
needs some time off.

About The Author: Focusing on news and information about
Alicante, Johnathan Bakers writes mainly for
http://www.alicante-spain.com . You might come across his
articles over at http://www.alicante-spain.com/torrevieja.html
and various other sources for Torrevieja information.

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17.: Top 5 Mistakes Business Buyers Make When Buying A Business

Posted by: "Paul Lemberg" distribution@isnare.com articles_isnare

Sun Feb 3, 2008 1:11 pm (PST)

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Entrepreneurs who are buying a business tend to get excited and
emotional over the prospects of their new opportunity, often
forgetting to apply some basic rules which might save them years
of pain and suffering. Over the years I have worked with many a
number of them and I have seen them make the same mistakes
repeatedly. This quick summary should help you avoid some of the
more important ones.

Buying A Business Mistake 1. Buying the wrong business

It may not be true. Do what you love and the money may not
follow, but I can say, with certainty, that if you buy a
business you don't love, not only will it ruin the business, it
can ruin your life. Make sure you have a real passion for
whatever it is you're going to be doing for the next few years.
You may be passionate about the product, the customers, or even
the marketing or the sales. And of course, make sure the
business somehow makes good use of your personal skill set.

Buying A Business Mistake 2. Not doing your due diligence.

Due diligence on a business opportunity goes far beyond the
financial statements. Understand the customers, the market, the
business reputation and positioning, the vendors, the
competitive space, the debt, and a host of other factors. And
dig deep. A business may appear to great on the surface, but can
have serious problems underneath. An old saying has it that "The
Devil is in the details." Examine them – all of them – before
you make your final decision.

Buying A Business Mistake 3. Not understanding why the seller
is selling.

An owner may say they want to retire, but the real fact is that
he is losing his lease. Another says she is simply tired of the
business and wants to move on, when in reality a major
competitor is coming to town, and she is scared out of her wits.
Find out the real reason the business is being sold. You may
still decide to go ahead, and that information may help you
negotiate a better deal.

Buying A Business Mistake 4. Not having a good contract

Just like when buying a home, there are many points to
negotiate besides the price. There are the payment terms,
financing, covenants about the property, inventory issues,
accounts receivable, debt and other financial encumbrances like
liens, intellectual property issues like trademarks, patents and
copyright ownership, non-compete clauses, and dozens of other
details. While a strong contract won't save a bad business, a
weak one can kill you. Don't proceed along any lines where major
questions are unanswered. And make sure you hire a lawyer
familiar with business purchases to review your agreement.

Buying A Business Mistake 5. Not knowing the real business
valuation

It's easy to overpay for a business when you don't have a
proper business valuation. Most business pricing models have two
major components: a base, usually revenue or profit, and a
multiplier. To get the base you need a clear view of the revenue
picture from previous years. Get financial statements and sales
journals going back as long as you can – up to five years. Do
the same for expenses. Each industry has its own basic model for
comparison. Some industries, such as software, focus on revenue
or sales while most others focus on earnings, or an adjustment
to earnings called EBITDA (Earnings Before Interest, Taxes,
Depreciation and Amortization.) The multiplier is also industry
based, and can range all over the map. The company's assets and
liabilities – both real and contingent – as well as the strength
and consistency of cash flow, also affect the price you are
willing to pay. It's a good idea to get a professional
evaluation of the company, if only to use as a starting point or
bolster your negotiating position.

Here is a sixth mistake that is less obvious to many buyers,
yet should actually be the first thing you consider when
deciding on a business to purchase

Not having a clear picture of the future

Remember the multiplier I mentioned above? That multiplier is
actually the number of years it will take to recoup the price
you just paid for the business, assuming it doesn't grow (or
shrink.) Having a clear view of the future – and how much you
can impact that future – is the most important information you
can have when purchasing a business. If you have to pay 3x
earnings, and yet you believe you can double the business in
twelve months, that is a good deal. If you have to pay 10x
earnings, and you expect 10% growth – it's going to take a very
long time to make any money on the deal.

If you think the industry is going to take off, or you can
expand revenues rapidly and flip the business – you may be
acquiring in to a gold mine.

Even if it doesn't work out exactly, you must have some view of
the future.

This view includes industry trends, the overall market,
regulations, societal changes, technical trends, as well as your
ability to grow this particular business through better sales,
improved marketing, more products, effective service, documented
systems, and increased an capital base. Each of these
enhancements can dramatically improve the existing business.

Just because you don't make these mistakes doesn't mean you
will be successful, but avoiding them will definitely increase
the odds in your favor.

About The Author: Paul Lemberg, CEO of Axcelus: Business
Acceleration for Entrepreneurs helps increase revenues, profits
and value in the shortest time possible using proven systems and
expert advice. Find out more or contact Paul at
http://www.paullemberg.com. Paul is available for speaking and
business consulting.

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18.: Overview Of Credit Card Offers Out There Today

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

Sun Feb 3, 2008 1:11 pm (PST)

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There are many different types of credit card offers out there
today. You can find debit card offers, pre-paid credit card
deals, credit cards with rewards programs, credit cards with
credit line programs and more. Let's take a quick look at some
of the more popular programs out there today online and off.

Debit Card Programs

Some financial institutions have credit cards attached to
checking accounts with debit card programs. When you charge
something in this manner, the funds are deducted form your
checking account. While not bad, make sure you have overdraft
protection, as you could easily overdraw your checking account
if you don't keep good records. Plus some places charge fees for
using debit cards, so ask before you pay in this manner.

Pre-Paid Credit Card Programs

One of the more popular programs today is the pre-paid credit
card. Great for college kids, people form other countries,
gifts, people with no or poor credit history and more, these
offer great value. With pre-paid cards, you buy them, add to the
credit lines (of some, not all) and use until the entire account
is used up. Use these online and off for better safety than
using your own personal private number with contact info, etc.
linking to your account with larger limits.

Invite relatives to contribute funds for college kids and
newlyweds. Toss away when used or add funds. These are neat
credit card programs. Just watch fees, as some charge a monthly
fee until they are used up.

Credit Cards with Rewards Programs

Many credit cards today come with rewards programs. You may
earn a certain percentage off the price of gas, for example, and
earn points towards car accessories or trips with every dollar
charged. Check into fees with these, as many try to catch you
with higher interest rates and yearly maintenance fees, where it
might be of more value to skip all the goodies and go for a
lower rate with no annual fees, etc.

Credit Cards with Line of Credit

Credit cards can be basically one of two types in this
category. For those new to credit, financial institutions may
offer a credit card that is linked to an amount you have on
deposit with them, thus drawing on your own reserve funds with
each charge. Then after you have established a good history with
them, they may increase your credit line and allow you to borrow
against a line with their bank.

Another type is a credit card attached to a line of credit from
say your second mortgage. Then you are borrowing against funds
established against your mortgage loan and need to repay them as
you would your first mortgage.

So before jumping into a credit card program, consider all of
the many options out there today. Check into all fees, rewards,
etc. involved and even seek guidance form you local banker for
help.

Get Help

For more information, click on over to:
http://applyforacredibtcardshop.com and bookmark it for your
credit card needs and those needs of others. 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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19.: No Money Down Property

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

Sun Feb 3, 2008 1:12 pm (PST)

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No money down property is a deal which is made without spending
(or spending very little) money. It is done by using the money
source from a different lender or investors but not your own
funds.

This is also referred to as a `no money down' loan. This can be
achieved by using the facilities like a loan, credit card, 100%
+ mortgage, drawn down facilities, gifted deposits, loan to
value lenders or re-mortgaging a property. Points to consider
about no money down property are:

1) Nearly anyone can obtain a `no money down property' deal.
For example, although this can be a little difficult, people
with a bad credit rating can find a number of lenders who are
eager to lend, even though their rates may be higher.

2) Before the year 2000, the trend `Buy to Let' was not set but
after 2005 it has taken roots. There are various finance
facilities available. One can select the one which suits and is
comfortable. It is quite possible to loose a purchase if you are
unable to prove to your lender that the funds are not your own.

3) One way to make a profit using no money down property is to
flip the properties. In this, a buyer signs a contract for the
property and assigns the contract to another buyer for profit.
The buyer pays the money that has been received from the deal to
the original seller.

4) Another way is the lease option. The buyer leases the
property for a certain period of time at a set price to buy. The
buyer will pay opt for deposit option which is non-refundable
and a monthly rent which is higher. A portion of monthly rent is
used to pay the principal of mortgage. This results in faster
equity growth of the property. When the buyer conducts the
option to purchase at the end of the lease period, the optional
deposit will be deducted from the selling price. Since the buyer
has equity in the house from it, he does not have to pay the
down payment.

5) There are also down payment grant programs available. In
these programs the home sellers pay the down payment for buyers.
This strategy makes their houses more marketable and sellable.
After sellers pay the down payment, the buyer never has to pay
it back to the seller.

6) In buying and selling property privately, some sellers sell
the property at an inflated price. This enables the buyer to
obtain a bigger loan (85% of purchase price is normal). The
seller then passes the difference to the buyer who pays it to
his solicitor as the deposit and then it goes back to the
seller. The total effect is property with no money down.

7) Some lenders offer loan to value and not loan to purchase
prices. Suppose you are buying a property at £70,000 which is
valued at £100,000, for example, then you get the funding for
85% of the value. As the lending is based upon the value and not
on purchase price you get £85,000.

While practicing these methods if you are not open and honest
with your lenders, things could go wrong and you could loose the
offer of financing. So do your homework and get help as needed.

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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20.: Historic Chester: Things To Do When You Visit Chester

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

Sun Feb 3, 2008 1:12 pm (PST)

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Cheshire's county town is the historic Chester, one of the
United Kingdom's best preserved medieval walled cities.

When you visit the city of Chester, you'll almost certainly
pass through these medieval city walls. Although there is
evidence that they have been in existence in some form since
Roman times, they have been replaced and repaired numerous times
since those days.

Of course, there is more to do when you visit Chester than just
examine its walls!

When you are deciding on your hotel to stay in when you spend
some time in the city, you should check whether it is inside the
city walls or outside. There is plenty of accommodation in and
around the city at prices to suit all budgets, although you
should book early if your stay coincides with one of the various
festivals that Chester is host to.

If your stay is in the summer, you should check out the annual
Chester Music Festival which has now been running for some 30
years. There is plenty of variety in the music that gets played
each year, so you should check out what's being planned for your
visit.

Midsummer in Chester sees the Watch Parade, which has been
happening at the summer solstice since around 1195. The parade
is a spectacular site and to maximize the number of people who
are able to witness it, it is now held on the Saturday closest
to midsummer. You'll be able to watch the decorated floats as
they progress through the city's narrow streets, ending outside
the Town Hall where you can watch jugglers, fire breathers and
dancing being performed.

Chester also hosts a series of Mystery Plays. These have been
delighting audiences since at least 1422. The plays themselves
are based on biblical stories and the performances take place in
the city every five years.

Whilst football isn't the strong point of the city, they do
have a professional club: Chester City, who play at the Deva
Stadium. Depending on where you are in the stadium, you could be
in either England or Wales as the grounds straddle both
countries.

Basketball fans can maybe take in a game featuring the Cheshire
Jets at the Northgate Arena. There are also regular games from
the Wheelchair Jets, Chester's very own wheelchair basketball
team.

The Chester Romans are the local American Football team, so if
you're visiting the city from the USA there's no need to get
nostalgic about a lack of your local sport!

If you have children with you on your visit, you may want to
watch the local rowers and canoeists paddle down the River Dee.
Or you may prefer to view the less organized sight of the annual
charity raft race.

Another way you can reach Chester is on a canal boat. You can
take your hire boat and moor right in the centre of the city,
which gives a totally different viewpoint and is a leisurely way
to tour the area and see places that were still commercially
using the canal until as recently as the late 1950s.

About The Author: Check out this wide range of Chester hotels
and guest houses http://www.a1tourism.com/uk/chester.html and
make sure that you enjoy your stay in Chester at
http://www.a1tourism.com/uk/chester.html

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21.: Birmingham: What To See And Do In The Centre Of The Midlands, Birmin

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

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

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Located near enough in the centre of England, one of
Birmingham's many claims to fame is that is it Britain's second
largest city with around a million people living and working
there. The city has a diverse mixture of cultures and there is a
plethora of things to keep you occupied during your visit.

Birmingham's canal network works its way across the whole city.
With more miles of canal than Venice, albeit without gondolas,
you can drift back to the olden days by either renting a canal
boat and exploring the routes that used to be essential for
trade in the city or just simply watching the colourful
narrowboats that are a constantly changing feature of the city.

If you want to watch canal boats as they are moored or as they
maneuver through narrow canal locks, one of the best places to
start is the recently redeveloped Brindley Place. Millions of
pounds have been spent on this and the investment shows. In
recent years, the area has become one of the essential places to
visit whether you want to have a quiet drink in one of the
canal-side pubs or eat a leisurely meal in the wide choice of
restaurants at Brindleyplace. Because the development is so
central, it is almost certain to be within easy reach of your
chosen hotel. If not, it will probably only be a short taxi ride
away.

Close by is Central Square. This is a large open space that
regularly holds open air events and, if you time your stay in
Birmingham right, the annual Arts Fest which, as its name
implies, is a festival dedicated to the various arts.

Whilst continental style lager seems to have taken over as the
"traditional" beer of England, Birmingham still keeps up with
its long tradition of local ales and breweries. Indeed, the
modern trend of micro breweries has seen this industry start to
thrive again and fans of real British ale will be astounded at
the different brews available.

Anyone who has read J R R Tolkein's epic novel "The Lord Of The
Rings" will want to explore the parts of Birmingham that
inspired the author during the formative years that he spent in
the city. These include the 96 foot tall Perrott's Folly – an
ancient monument that was built by local land owner John Perrott
some 250 years ago. It is generally thought that this tower was
the inspiration for the towers that are regular features of
Tolkien's novel.

As you would expect from such a diverse city, there is also a
wide variety of hotels and guest houses for you to stay in on
your next visit. These range in size from small, friendly bed
and breakfasts – often to be found in the quieter suburbs of the
city – right the way through to the large skyscrapers that
define many of the world's modern hotels. If there is a large
show at the nearby National Exhibition Centre or a big
conference somewhere in the city, these bigger places will fill
up fast with delegates. But providing you broaden your search to
some of the other places to stay, there should be no problem in
finding suitable accommodation for your visit.

About The Author: Find a wide variety of Birmingham hotels and
guest houses http://www.smoothhound.co.uk/birmingh.html many
offering discounted prices when you next stay in Birmingham,
http://www.smoothhound.co.uk/birmingh.html

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22.: Milton Keynes: Things To Do And See When You Visit Milton Keynes

Posted by: "Frederick Hoymer" distribution@isnare.com articles_isnare

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

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The new town of Milton Keynes (or actually new city, to be more
correct) is easy to get to, around 45 miles north west of London
and within easy reach of both Oxford and Cambridge.

When the city was designed, it was laid out on a grid system.
Which makes navigating your way around the city very easy, if
slightly boring compared with the usual road layout in towns
across most of the rest of England. The town also boasts green
side with a wide network of cycleways – these follow quite
leisurely routes, so you could keep fit whilst you explore the
city if the mood takes you.

Whether you are visiting Milton Keynes socially or as part of a
business trip, there are lots of things to see and do.

Music fans will want to make sure that their trip coincides
with a concert at the open air Milton Keynes National Bowl. This
former clay pit has been turned into a large amphitheatre which
can hold up to 65,000 concert goers. The hall of fame of artists
who have played the venue includes David Bowie, Alice Cooper,
Placebo and even the heavy metal bands Megadeth and Metallica.

Shoppers will be delighted at the shopping malls that make up
part of the centre of the city. Because Milton Keynes has been
"zoned" from the outset, you'll find the facilities are much
more logically distributed here than they are in the rest of the
UK. This makes finding the particular store you want easy but
takes out some of the surprise finds that are associated with
many of England's other towns.

Despite the relatively flat nature of the surrounding
landscape, the city boasts its own indoor ski slope complete
with real snow rather than the artificial surfaces that most
English ski slopes have to make do with. The set of Xscape
buildings has a striking design – you're sure to be able to spot
them! If you are more adventurous, the building is also home to
an indoor skydiving centre.

Eating and drinking is well catered for. The Theatre District
has plenty of places to eat before or after the shows. Or, of
course, during them if you prefer not to watch a play.

Many of the city's restaurants are part of national chains but
you can find smaller, independent places to eat in the nearby
villages of Stony Stratford, Fenny Stratford and others. These
are also home to some of the city's more lively and crowded
pubs. The more traditional drinking establishments can be found
in places such as Stony Stratford high street.

As you would expect, there is a wide choice places to stay in
Milton Keynes. Although with such a modern city, you may be
pleasantly surprised to find that it is still perfectly possible
to find smaller bed and breakfasts as well as the more usual
large hotels.

Depending on the direction you approach the city from, you may
well get to see the famous "concrete cows". Which are actually
not mainly made of concrete – they were primarily assembled from
lots of scraps and then encased in concrete that was reinforced
with fibre glass. As is to be expected from any modern
sculpture, the set of three concrete cows and their three calves
attract a mixed reaction and at times have attracted graffiti
and vandalism.

About The Author: Choose from this wide array of Milton Keynes
hotels and guest houses:
http://www.4hotels.co.uk/uk/milton-keynes.html

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23.: Preschool Education - What You Must Teach Your Preschooler

Posted by: "Deanna Mascle" distribution@isnare.com articles_isnare

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

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Many members of my mother's generation did not even attend
kindergarten. Many members of my generation did not even attend
preschool. With my son's generation preschool has become a
necessary part of preparation for formal education. In fact for
most children, formal education actually begins with preschool.
That does not mean that preschool education begins the first day
of preschool. In fact, if you want your child to successful in
preschool and beyond then you must prepare your child for
preschool. What are some of the things you will need to teach
your preschooler?

First and foremost you must help your child become as
independent as possible. This means toilet training and basic
hygiene as well as the ability to dress themselves. Prepare your
child mentally and emotionally for the idea of independence from
you and other primary caregivers. Preschool teachers are
obviously caring and helpful but they will not be able to give
the same level of attention many children are accustomed to from
their primary caregiver.

There are also some basic concepts that children must learn.
These lessons will be solidified during preschool but if a child
grasps them before preschool that is even better. This includes
knowledge of colors and shapes. Do not spend a lot of time
drilling this knowledge into your child, but instead casually
introduce it to your child through daily life. Name the colors
of the clothes your child will wear that day. Point out various
shapes during the day or even cut food into a shape of the day.

Begin working with your toddler early to introduce the letters
of the alphabet and then as those are mastered begin introducing
the beginning letter sounds. Again, make these lessons fun and
casual as you go about your daily routine. Similarly, begin
working on counting as you cook, clean and dress.

Why must you prepare your preschooler for preschool? As I
pointed out in the opening paragraph, the educational bar is
continually being raised. Kindergarten is no longer about
preparation. Real education goals are set and children learn
reading and math. They begin learning several reading concepts
and are expected to count to 100 in kindergarten. First grade
students are reading and performing complex math and money
problems. Children can enter preschool without any knowledge of
independence, colors, shapes, letters, and numbers, but a head
start can help them be more successful in preschool and then
later in formal education.

A child who starts kindergarten not knowing these concepts will
be behind and may never get caught up. Even worse, this late
start will destroy the child's self esteem and confidence as
well as cause the child to hate school and learning. Some
children can overcome these challenges and go on to become
successful but all too many children continue to fail throughout
school and life. Which would you rather for your child's future?
If you want your child to succeed in preschool, formal
education, and life then you should work on the key concepts
long before schooling starts.

About The Author: Renaissance Woman Deanna Mascle shares more
articles for your family at http://ezinesbydawggone.com

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24.: The Benefits Of Getting A Masters Degree In Criminal Justice

Posted by: "Kenneth Echie" distribution@isnare.com articles_isnare

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

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It is said that real learning starts at the graduate level of
education. At this level, you are required to do more in-depth
research and study. Society expects more out of you.

But are there benefits for the individual that embarks on this
level of study? The answer is indeed yes. In this article, I
discuss the benefits of getting a graduate masters degree in
criminal justice.

With no particular importance attached to the order of
presentation, they are:

1. A master's degree in criminal justice prepares you for
leadership, administrative, and management positions in the
criminal justice system. You will become a leader,
administrator, and manager of such criminal justice systems as
the courts, correctional facilities, law enforcement
organizations, private and public security organizations.

This gives you the power to chart the direction of such
organizations. You will set the pace for other criminal justice
personnel. You will be looked upon to set ethical standards and
develop new methods of tackling criminal justice problems and
issues.

This is just reward for attaining this level of education. It
is a position and benefit that should not be taken lightly. The
right person will use it to become an agent of change for the
good of society.

2. It goes without saying that being leader, administrator, and
manager of criminal justice organizations comes with the benefit
of more money. A master degree holder makes $61,000 per year to
start. This is compared to about $58,000 per year for a bachelor
degree holder. When you attain the leadership position I
discussed above, you stand to make well over $100,000 per year.
A master degree in criminal justice does indeed have its
rewards.

3. A masters degree in criminal justice gives you the
opportunity to specialize in one area of criminal justice. While
a bachelor degree program is broad in nature, a master degree
program gives you the chance to become an expert in one area of
criminal justice.

For example, you can get a masters degree in criminal justice
with specialization in corrections. Your research and study will
give you the opportunity to do in-depth study and analysis of
the correctional system. Needless to say, with this type of
in-depth study, you will come to be an expert in corrections.

This will put you in a position to benefit as your opinion is
sought in issues relating to corrections. You maybe called to
give your expert opinion in legal and legislative issues
concerning corrections. You can make money as a consultant in
such situations.

There you have it…..the benefits of getting a masters degree in
criminal justice. What I have outlined above is by no means
exhaustive. There are other benefits to getting this degree.
Covering all of them is beyond what I can do in this short
article. If you are still interested in finding out more
benefits of getting a master degree in criminal justice, I urge
you to look into it some more. You can do this by visiting
websites that deal with the subject in more detail.

Note: You are free to reprint or republish this article. The
only condition is that the Resource Box should be included and
the links are live links.

About The Author: Copywrite Kenneth Echie. Kenneth is a writer
for http://www.criminaljustice-schools-degrees.com. Get free
scholarship report and find Online Masters Degree Criminal
Justice Schools at
http://www.criminaljustice-schools-degrees.com/online-masters-degree-criminal-justice-schools.html
by visiting.

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25.: What Should My Child Be Eating For Optimal Health?

Posted by: "Margaret Paul, Ph.D." distribution@isnare.com articles_isnare

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

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Article Title: What Should My Child Be Eating For Optimal
Health?
Author: Margaret Paul, Ph.D.
Word Count: 734
Article URL: http://www.isnare.com/?aid=217694&ca=Parenting
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Understanding healthy eating has become a huge challenge in our
society. Our ancestors living thousands of years ago did not
have this challenge. They ate what grew and what they could
catch. Before the advent of agriculture, people ate what was
naturally supplied.

While I have been studying nutrition for 46 years, I am not an
expert, since I am not a scientist and have not done my own
research. What I share with you comes from my personal
experience with my children and grandchildren.

Rather than laying out a specific way of eating, I am going to
write about what I have learned about what NOT to eat.

Below is a partial list of things not to feed your children:

Sugar

Corn syrup

Glucose syrup

Wheat syrup

Rice syrup

Potato starch

Modified food starch

White foods - white bread, white rice, rice milk, white pastas,
white wheat flour

Processed grains

French fries

Sodas

Trans-fats

Vegetable oils other than coconut and olive oil

Preservatives and food colorings - or anything that you can't
pronounce!

You might not think you are feeding your children many of
these, but if you look at the labels, you will find many of
these non-foods in packaged and refined products. In fact, most
refined foods will contain one or more of these items.

For your children to be healthy, they have to be eating foods
that are nutrient dense. Not only do none of the above items
have any nutrient value, they rob the body of nutrients,
creating the weight and health problems that are endemic to our
society.

What are the nutrient-dense foods? The most nutrient dense
foods are organically grown vegetables. Next are fruits,
followed by beans, legumes, whole grains, nuts and seeds - in
moderation. If you are not a vegetarian, highly nutritious forms
of animal protein are organically fed grass-finished beef and
lamb (grain-finishing beef and lamb changes the composition of
the fat and causes many health problems), free-range organic
poultry, and organic free-range eggs. Mercury-free fish is very
healthy, as the oil provides the important omega-3s.

Regarding dairy products: pasteurization kills the enzymes in
dairy and can cause problems such as asthma and allergies.
Pasteurization also causes milk and other dairy to become
difficult to digest, also contributing to illness. Unless you
can get very clean, raw organic milk and cheese from
grass-finished cows, it is better to avoid dairy. Due to the
difficulties in absorption of pasteurized dairy, it is not a
good source of calcium - despite what the dairy industry claims.
My children were brought up on raw Alta-Dena dairy products and
did very well on them.

The right kinds of fats are also important. Coconut oil is the
best to cook with and olive oil is the best in salad dressings.

How do get your children to eat like this? The only way I know
of, which is what I did when my three children were growing up,
is to eat this way yourself. I chose not to have anything in the
house that I didn't want them to eat, so everything they ate was
healthy while they were in the house. I never insisted that they
eat. I just put the healthy food out and they ate as much or as
little as they wanted to eat.

It is also important to determine you own and your children's
metabolic type, which you can do by reading William Wolcott's
"The Metabolic Typing Diet." This will help you to know if your
child does better on animal protein or vegetable protein. While
it is important to have healthy choices in the house, it is
equally important not to insist that your child eat the way you
do. You might be a rapid metabolizer who needs a lot of meat,
while your child might be a slow metabolizer who needs more
vegetable protein.

If you want to be healthy and have healthy children, the very
best thing to do is read as much as you can about healthy
eating, and then decide for yourself what you want to do for
your family.

About The Author: Margaret Paul, Ph.D. is the best-selling
author and co-author of eight books, including "Do I Have To
Give Up Me To Be Loved By You?" and "Healing Your Aloneness."
She is the co-creator of the powerful Inner Bonding® healing
process. Learn Inner Bonding now! Visit her web site for a FREE
Inner Bonding course: http://www.innerbonding.com or email her
at mailto:margaret@innerbonding.com. Phone Sessions Available.

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