1.: Personal Loans Are Not Secured Loans

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Thu Feb 7, 2008 2:11 am (PST)

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Article Title: Personal Loans Are Not Secured Loans
Author: Ajeet Khurana
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Would you like to obtain a loan that is truly hassle free?
Many loans today require that you secure them with something and
if you don't own a home you may not have anything to secure a
loan with. Personal loans are the hassle free loans, that is,
they are not secured loans. You can simply apply for the loan,
provide your personal information, and either be approved or
not. No need to bring your home into the process.

Securing a Loan without a Home

If you need a loan but you haven't applied for one because you
assume that you need a home to get one, you are wrong. In fact,
there are personal loans out there that are perfect for those
that do not own a home. Many people who do have homes never
consider personal loans because there are many loans that they
can take advantage of because they do own. When you do not have
anything that you can secure a loan with that doesn't mean you
are out of luck, it just means that you need to look at personal
loans.

Personal loans are not secured loans; they are general use
loans that anyone can apply for. When you apply for these loans
you will need to provide information such as your social
security or taxpayer identification number, your home address,
your bank account information, pay stubs, and any information on
other debts that you have.

Your bank or lender will use this information to run a credit
check and look at your debt to income ratio. Basically, the
lender wants to make sure that you can afford the loan and that
you have the means to pay it back. In addition, they want to
make sure that you have a history of repaying your debts.

Because a personal loan is not secured you should know that
they are not handed out to everyone who applies. You should
have decent credit if you apply for one of these loans and
expect to be approved. You will also want to have a stable job
and be willing to pay a bit more in interest than you might if
you sought out a secured loan such as a home equity loan.

The interest rate is usually not much higher, but you may find
that they are a couple points higher and this is just the way
the lender balances the risk. Remember, this is business for
the lender and they need to make sure that they are going to get
their money back.

Personal loans are a great option if you need money to
consolidate debt, pay for medical bills, pay for car repair,
repair the home, go on a vacation, or even go to school. Again,
these are general use loans that come in handy in a multitude of
situations. The great thing is that these loans can often be
funded in as little as 24 hours, so you will be ready to go
shortly after applying for the loan.

About The Author: By their very nature, personal loans at
http://www.comparethem.co.uk/loans/personal-loans/ tend to be
unsecured. Homeowners, could look at secured loans at
http://www.comparethem.co.uk/loans/secured-loans/ as a great
option. All this and more at http://www.comparethem.co.uk/

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2.: Attacks vs Fist Fights & Posturing Part 1

Posted by: "Richard Clear" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 2:12 am (PST)

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Article Title: Attacks vs Fist Fights & Posturing Part 1
Author: Richard Clear
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What Constitutes an Attack

In the Martial Arts you hear and read about people who have
used their Martial Art to physically defend themselves in a real
situation. Often the defender could very easily have avoided the
entire situation but instead due to any number of circumstances
they ended up in a fight instead. I recently read an article by
Nev Sagiba related to this topic and decided to add my 2 cents
worth.

First of all, a physical attack is actually implemented when
someone is actually closing the distance towards you or those
you care about (or are in some way responsible for) and they are
on their way to strike, stab, grab, beat or otherwise
immediately hurt them or you Right NOW! For this to actually be
a physical attack they also must be close enough that within
seconds they can actually begin contact and the physical aspect
of the attack is imminent.

A person who throws their fists up and threatens to beat you up
is verbally attacking and physically posturing but not yet
physically attacking. A person who is upset and yelling is upset
or/and threatening and posturing is verbally attacking but not
yet physically attacking. A person swearing at you is verbally
attacking and posturing but not yet physically attacking. A
person who is busting things in the room or kicking your car is
posturing and attacking things but is not yet physically
attacking you. You get the idea.

When I began learning martial arts a lot of what I learned
taught a person how to engage in a fight. Fortunately for me my
instructor was also very street-wise and taught me as much about
street fighting as he did about the arts. Part of his training
included the idea of getting out of there and using any unfair
advantage you could get to win a serious physical confrontation.
I also found that when I was threatened with a fist fight that I
did not just jump in there swinging away like a mad man but that
instead I had a tendency to utilize positioning and verbal
skills to try to deter my would be attacker. Due to attacks,
that I personally experienced, I also found that when I needed
to defend myself that techniques that would allow me to quickly
end a physical confrontation and get out of there were much more
important to me than being able to exchange a lot of punches and
kicks. This was partially due to the fact that even in school
yard fist fights the average fight involved multiple attackers
and if I got tangled up with someone the next thing I knew their
buddies were also all over me. My findings and understanding of
what happens in real situations eventually led me to Pentjak
Silat, Kun Tao and Kun Tao Silat as the arts that I needed to
deal with the harsh realities of surviving street encounters.

When a person attacks you verbally (yelling and threatening) or
non-verbally (such as waving their fists) then a response of
some kind is still called for. Generally speaking the response
is fairly simple. Either work to help end and bring an
acceptable solution/conclusion to the problem or simply remove
yourself from the situation by running or driving away.

To Be Continued In "Attacks Vs Fist Fights & Posturing Part 2"

About The Author: Self Defense Master of the Year 2007 USA
Martial Arts Hall of Fame Sigung(Senior Teacher-Red Sash)Old
Hand Shao lin and Internal Kung Fu Master Practitioner of KUNTAO
SILAT de Thouars Master Practitioner of Pentjak Silat Certified
Instructor of Russian Martial Art Systema as of may`03
http://ClearSilat.com

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3.: A Luxury Weekend Break In A Marrakesh Riad

Posted by: "Peter R Stewart" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 2:12 am (PST)

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Article Title: A Luxury Weekend Break In A Marrakesh Riad
Author: Peter R Stewart
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A Luxury Weekend Break to Marrakesh has the real sound of
romance and mystery to it, and it is easily possible to find and
book a romantic getaway package to a new Riad in Marrakesh
called the Riad Noir D'Ivoire.

The luxury weekend break will start at the airport where you
will be met, and driven the fifteen minutes to the Medina, and
then it is a ten minute walk, and the sights and sounds of
Marrakesh will overwhelm you immediately.

Situated in the north east section of the Medina in Marrakesh
this is a real escape from 21st century life, and a blessed cool
relief after the pressures of tourist days in the Medina where
you can be pursued for what seems like hours on end!

Beautifully decorated, and each with its own feel, there are
six rooms of which two are suites, although the double rooms are
pretty amazing themselves.

One of the features of all the rooms are how comfortable are
the beds, so comfortable guests have been known to sleep through
the early morning call to prayer, which in the Medina is very
loud indeed.

If you can book it, get the Elephant Suite, which has a small
balcony overlooking the courtyard, a huge fireplace, and a round
beaten silver bath tub, and a monsoon shower. You will find
mineral water and dried apricots and roasted almonds in your
room or suite, with sunhats and a straw basket for goodies
shopping in the Medina.

The Riad Noir D'Ivoire is centred around a courtyard with a
small plunge pool, and palm trees with huge leaves at each
corner, and one side is the bar, and the other the restaurant.
At one end is a boutique and at the other end a comfortable
lounge or more accurately a Salon with comfortable sofas, an
extensive library, and in the winter a roaring log fire.

You eat breakfast on the roof terrace where there are a mass of
potted plants and sun loungers.

The staff are brilliant with that well trained ability to
appear just when needed and disappear completely at other times,
but somehow reappearing just when you think you might want them
again. This type of behaviour is so important when you are on a
romantic weekend package, and you don't want to be disturbed but
equally you want service, and here the Riad Noir D'Ivoire is
fantastic.

The food is just right, and lacked for nothing, they seemed to
know intuitively exactly what you are going to need after an
exhausting day sightseeing. The dishes are local with a European
edge – just right.

A great help before you get lost in the medina is the owners
give you a local mobile phone with her number and that of the
riad programmed in, so that when you get lost in the labyrinth
of alleyways, you can be rescued with directions. You will need
this otherwise your luxury weekend break to Marrakesh could turn
into the stuff of nightmares.

For a Luxury weekend romantic getaway package style break there
is no doubt that the Riad Noir D'Ivoire in Marrakesh rings all
the right bells

For more information go to
http://www.worldwidevacationspots.com/categories/Vacations-in-Africa/

About The Author: Peter Stewart writes exclusively for
http://www.in-kenyasafari.com as well as
http://www.worldwidevacationspots.com and has visited personally
many of the places he reports on, and has done extensive
research on the others

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4.: A Caribbean Vacation Package To The Dominican Republic

Posted by: "Gordon Steven" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 2:13 am (PST)

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Article Title: A Caribbean Vacation Package To The Dominican
Republic
Author: Gordon Steven
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A Caribbean Vacation to the Dominican Republic is something
that many many people do every year. What is stopping you from
taking a Dominican Republic Vacation Package this year?

It is most likely because you don't know what a vacation to the
Dominican republic would be like.

You probably don't know that the Dominican republic at 18750
square miles is one of the largest islands in the Caribbean.
This only means that you need to do some research because on an
island the size of the Dominican Republic has parts you will
like a lot, and others that you won't.

As an example the south east corner is the agricultural side
and it has an exciting high quality night life. On the other
hand the southwest part of the island is more arid, less crowded
and more desert like. Research is important otherwise your
Caribbean Vacation to the Dominican Republic could end up a
major disappointment because you end up on a part of the island
not to your taste.

Some of the top destinations for a Dominican Republic Vacation
and ones that perhaps need deeper investigation could be the
following.
.
Cabarete on the north coast is the place to go if you are
young, it is a fun place to be with good water sports, is
considered by many to be one of the top places in the world for
windsurfing and kiteboarding. It is also a great place to surf,
mountain biking, horseriding, canyoning, and lots of other
adventure sports.

Sosua on the north coast has a beautiful sheltered beach with
white sand, and clear turquoise sea. This is the place if you
want to go snorkelling and scuba diving, and there are good
restaurants.

Playa Dorada is a gated resort community and is where most of
the All Inclusive Hotels are found and is on the north coast.
You can do almost anything in the way of recreation here, from
golf courses to casinos, , and there is a long white sand beach,
but get out of the community and there is a lot of things to see
and do.

The Playa Grande Cabrera area has spectacular unspoiled white
sand beaches and some exclusive villas. Playa Grande beach is
one of the best ten beaches in the world, and there is a
beautiful golf course here.

Las Terrenas is on the Samana Peninsula in the northeast, with
a beautiful white sand beach and calm sea. This has a
Mediterranean feel to it, and is a very relaxing place through
the mountains.

Las Galeras also on the Samana Peninsula is a remote spot with
boutique hotels, hidden beaches and is a real romantic getaway.

Punta Cana on the east coast is totally Caribbean postcard, and
some good all inclusive hotels.

Bayahibe on the south coast has a really tranquil setting, a
great beach, and the not to be missed National Park

La Romana also on the south coast includes the 7000 acre Casa
de Campo with two golf courses and some very exclusive villas.
The word luxury springs to mind here.

Juan Dolio on the south coast is the Dominican Republic's
Riviera

Boca Chica also on the south coast is a place with smaller
hotels, where you are much closer to local life, and there is
good diving here.

Finally Santo Domingo which is the sophisticated and cultural
Capital of the Dominican Republic.

Further investigation by you of these area of the Dominican
Republic will enable you to decide on, and then plan for the
perfect Caribbean vacation to the Dominican Republic

For more information about Caribbean Vacation Spots go to
http://www.caribbean-vacationspots.com/pages/Site-Map.html

About The Author: Gordon Steven writes exclusively for
http://www.caribbean-vacationspots.com as well as
http://www.worldwidevacationspots.com and has visited personally
many of the places he reports on, and has done extensive
research on the others

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5.: Fake Money Used In Movies/Videos

Posted by: "Amy Nutt" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 3:11 am (PST)

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In Hollywood's infancy, filmmakers used real money in their
productions, only to run into legal and administrative problems
such as workers stealing the money. At the time, very strict
laws prohibited the filmmakers from copying, photographing or
imitating American currency in any way. This presented Hollywood
with a very tricky problem. Always resourceful, filmmakers found
a way around it.

At the time, there happened to be large amounts of devalued
currency printed by the Confederates during the American Civil
War and Mexican Money printed during the Mexican Revolution.
Both failed governments had issued a lot of money, hoping the
volume would help stave off the money's declining values. Of
course, they failed and the money was useless until Hollywood
bought up caches of both types of cash, and the first Hollywood
prop money was created.

Over time, the Confederate and Mexican folding money wore out,
and most of it was thrown away or lost. By then, laws governing
the reproduction of fake currency had loosened somewhat.
Prop-making manufacturers began to print false money.

Much of this early fake money is now available via specialty
Hollywood memorabilia stores. The makers of this money often
copied Mexican and Confederate designs and used deliberate
misspellings like "Steats of Amreica" to be sure the money could
not be passed off as real. Many of these designs are interesting
and very beautiful to look at. Though the designers were making
obvious fake money, they took the time to make it look great.

In more recent history, laws loosened even more and the stacks
of prop dollars being printed by manufacturers became even more
convincing. There have been several incidents where the Secret
Service (which oversees American currency and stings
counterfeiters) has stepped in and confiscated Hollywood prop
money, and forced companies to discontinue printing it.

In one notable case, bills with a total face value close to $1
Billion was blown up during the filming of "Rush Hour 2" in Las
Vegas. A significant amount of the fake money, which happened to
be very convincing, drifted into crowds of people in Las Vegas.
Knowingly and unknowingly, people began to use the bills. Large
amounts of this money began turning up in the Las Vegas and Los
Angeles areas. Many bills were being passed successfully.

As the incident grew more widespread, the Secret Service got
involved and the company that produced the bills, Independent
Studio Services, Inc., became embroiled in legal trouble. The
Secret Service deemed their fake money product too realistic and
seized the prop money from ISSI's facilities. Eventually the
company had to stop printing fake money altogether.

Today, prop money is still widely available via memorabilia
stores, prop suppliers, private collectors and online auctions.
But this prop money is almost always obviously fake, with
indicators printed on the bills. Also, much of this fake money
is smaller than its real counterpart. Worldwide collectors are
eager to spend great amounts of money in order to acquire these
fake prints that have been used many years ago.

About The Author: I Test Cash offers counterfeit money pens and
counterfeit money tools as well as information on how to protect
you against counterfeit currency. http://blog.itestcash.com

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6.: If You Want To Save Money Use A Commercial Mortgage Broker

Posted by: "Sean Horton" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 3:11 am (PST)

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Article Title: If You Want To Save Money Use A Commercial
Mortgage Broker
Author: Sean Horton
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There are many advantages to obtaining the help of a commercial
mortgage broker. Of course the main reasons are that you will
get your mortgage in the shortest time possible along with
getting the best deal attainable. While you will have to pay the
brokers fees it is still possible to save money on your
development project.

The biggest advantage when it comes to shaving money off the
loan is the fact that a commercial mortgage broker will have the
knowledge of where to look when it comes to lenders. From past
experience they will know from looking at your proposal which
lenders are likely to offer what you want for the cheapest rates
of interest. A broker will also if need be, be able to search
with the whole of the marketplace to secure the cheapest and
best deal possible based on your individual circumstances.

Commercial mortgage funding will vary and this is dependent on
the circumstances of the individual and the project you are
proposing. The amount of experience in the field of commercial
property development goes a long way to determining how much
finance you will receive. 100% is usually held for those who can
show an excellent track record and who have completed several
successful projects in the past. The majority of property
developers will be offered around 70% to 75% for their mortgage.
The shortfall will have to be found by the individual and
depending on the size of the project this could be a substantial
amount so thought as to be given as to how to obtain it.

Another big advantage a commercial mortgage broker will have
over the individual going to a lender is when it comes to
negotiating the rate of interest for the loan. The rate of
interest will depend on the projects size, what your plans are
for the development and how much you wish to borrow. However as
a general rule you could expect to pay somewhere in the region
of 1.5% and 2.5% and lenders are in the best position when it
comes to negotiating the most attractive rates.

As the majority of commercial mortgages involve huge costs,
lenders will usually offer them on an interest only basis to
keep the monthly repayments as low as possible. When taking a
mortgage over what could be 20 years or more the loan will
accumulate a large amount of interest and this is what you will
be paying back over the term of the mortgage. Upon completion
there will be the capitol amount you borrowed to pay back in
full. Any lender will ask for proof that you will have the
ability to do this before lending you money based on interest
only.

Any type of mortgage comes with terms and conditions and a
commercial property development mortgage is no exception. Again
a broker can help to explain the technical jargon by offering
information by way of articles and FAQs. Reading the terms and
conditions that come with the quote a commercial mortgage broker
finds is of the essence. This crucial information contains such
as how much interest you will pay on the mortgage, how much you
will pay in full over the terms you have chosen and reveal any
hidden costs attached to the mortgage.

About The Author: Sean Horton is a Director of Enhanced Wealth
(http://www.enhancedwealth.co.uk), a whole of market mortgage
broker and IFA specializing in mortgage advice and the
associated areas of income protection, mortgage protection,
mortgage life cover.

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7.: When Looking For Low Cost Secured Loans Get Quotes Online

Posted by: "Jason Hulott1" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 3:12 am (PST)

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Going online when it comes to getting the cheapest quotes for
low cost secured loans is the easiest way of being sure you have
the best deal. The rates of interest on loans can vary a lot
and it is only by comparing both the interest rate and the key
facts that you can determine the best deal.

The easiest way of comparing several quotes is to go with a
specialist website. This will allow you to search from a single
page for low cost secured loans and get the key facts attached.
The key facts hold the small print and terms of the loan and
reading them is essential as extra costs can be added onto the
loan. One way lenders make sure they get their money if you
decide you can repay the loan back earlier than anticipated is
by adding an early repayment fee. The small print will also
explain how much you will be paying back in total over the years
you take out the loan. Along with this will be the rate of
interest and how much interest the loan will cost you.

A secured loan is handy for those who have had trouble getting
approved for loans in the past. They are also a good choice for
those who credit rating is less than perfect. By taking out a
low cost secured loan you can normally borrow more than with a
personal loan and the repayments can be spread out for a longer
period of time. However remember that interest is added on so
the longer you take out the loan, the more you will pay in the
long run. Due to this you will have to compromise when it comes
to keeping the monthly repayments down while also keeping the
length of the loan to a minimum.

The amount that a lender will usually allow you to borrow will
be up to the amount of spare equity that you have in your home.
The spare equity is defined by the amount that is left over
after the outstanding mortgage has been deducted from the value
of your home. There are some lenders that could be willing to
lend you up to 125% of this amount, but of course the rates of
interest would be higher. Low cost secured loans can be taken
out for virtually any purpose but as your home is put up as
security it is essential to make sure that you can afford to
repay the loan. You should also take into account that your
circumstances could change in the future and give some thought
to protecting the loan with loan payment protection.

A specialist website is always the best way of getting the
cheapest quotes for low cost secured loans. Not only will you
get all the quotes on one page for comparison, but also you can
be sure the search has been made with the whole of the UK
marketplace. Always take care when comparing the quotes as some
lenders can quote APR at weekly terms and of course this can be
confusing and would not give an accurate comparison when
compared to a monthly rate.

About The Author: Jason Hulott is Business Development Director
at Secured Loans service, PolarLoans
(http://www.polarloans.co.uk). Visit Polar Loans now for more
information about Homeowner and Secured Loans.

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8.: Marketing Need Not Be Expensive

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

Thu Feb 7, 2008 3:12 am (PST)

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Article Title: Marketing Need Not Be Expensive
Author: James Copper
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By employing a bit of creativity and following these easy
steps, you can draw up lowcost or even nocost marketing
campaigns. Whether you budget is limited or nonexistent there
are ways to draw customers to your business. Just try some of
these methods and see the results.

1. Talk about your business. Its the oldest form of advertising
there is Just talk about your business to others on every
occasion you meet them and see the word spread. You may think
you talk about your business a lot but do you? Most likely you
dont talk about it as much as you think about it. Thinking wont
get you anywhere. Talk about your business nonstop to anybody
and everybody. Then see word of mouth work for you.

2. Be controversial. As you know, people and businesses in the
limelight are either loved or hated. The public is rarely
lukewarm about them. So you should get the public to feel
strongly one way or another about you. A good way to do this is
to be controversial. You can do this through controversial
products, controversial statements, controversial dress, and
controversial projects. Its a great way to get into the public
eye and stay there.

3. Give stuff away. This is another marketing trick that is as
old as marketing itself. Give away gifts whether they be mugs, T
shirts, stickers, badges. The sky is the limit here and the
freebies need not be expensive. Ensure your brand and web
address are on them. Also add free products to your
autoresponder emails.

4. Have your say. Top entrepreneurs have views on anything and
everything and thats the way they stay in the limelight. Above
all they are emotional and controversial in their comments and
views. This is something you should pursue. Become a regular
columnist in a newspaper or magazine dealing with your field of
business. Get on talk shows. Soon you will be perceived as an
expert on the subject. The spin off will be credibility for your
and your business, and of course more sales.

5. Blog. A blog is more than a self indulgent diary online. It
is a great advertising medium and a potentially lucrative
revenue earner. You should keep it up to date and fill it with
content that promotes your business directly and laterally. Make
the topic of your blog extremely close to your business and
stick to the topic of the blog as you develop it. Search for
sponsors and affiliates that have similar products to propagate
your business more effectively.

6. Reinvent your business. Every single day you should ask
yourself if you are selling the right products and services. Do
they still meet the needs of customers? Are there better and
more lucrative ways to meet their needs efficiently and
profitably? Conduct research on the internet and by walking
around and talking to people to find better ways to do business.
Keep it fresh, keep it young, and keep it happening. These are
the techniques that will take you far and they dont cost an arm
and a leg.

About The Author: James Copper is a writer for
http://www.marketinglinx.com

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9.: Low Rate Secured Loans And The Modern Cost Of Living

Posted by: "Louis Rix" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 4:11 am (PST)

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Article Title: Low Rate Secured Loans And The Modern Cost Of
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Author: Louis Rix
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The cost of living has undoubtedly increased in the last decade
or so. The housing market is indicative of that and, as a
result, it has gradually become more and more difficult to get a
foot on the property ladder. However, those individuals that
have managed to begin climbing may find it extremely difficult
to avoid debt in the first few years of having a mortgage. Never
fear though, help is at hand in the form of low rate secured
loans.

Low rate secured loans can give an individual that happens to
own his or her own home an option to borrow money without having
to go through the hassle and strain of re-mortgaging. This gives
that little bit of extra money for debt consolidation, home
improvements, or even in order to be able to afford extra
luxuries at Christmas, for example. The whole idea behind low
rate secured loans is using your property as collateral.

Given that the majority of individuals may struggle from time
to time owing to the increased cost of living ruling out savings
as an option for a high number of individuals these days, low
rate secured loans can help to negate any financial short term
issues that may arise. However, low rate secured loans can be
difficult to find if an individual chooses to examine his or her
options fully. It is essential to explore all options, but an
Internet shop and compare site would give all of the low rate
secured loans options available with just a few clicks of a
mouse, thus allowing any individual to get his or her finances
sorted out quickly.

In short, low rate secured loans may be used as an ideal
solution to a financial problem. A homeowner can borrow a
certain amount by putting the equity that he or she has within
his or her property up as a guarantee. However, if you do happen
to be considering low rate secured loans for this purpose then
it is essential that you are able to keep up repayments because
your home may be on the line if you cannot.

About The Author: Louis Rix is Director of Netloans Ltd
(http://www.netloans.co.uk), a leading Secured Loan Broker for
UK Homeowners offering homeowner and secured loans for any
purpose who ensure that their customers get the best homeowner
loan deal.

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10.: How Not To Lose Your Shirt When Trading In The Futures Markets

Posted by: "Richard Tolar" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 4:11 am (PST)

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There is an alarming number of new, and uneducated, commodity
traders losing just about everything they own. Why? There are a
number of reasons why a new futures trader stands back,
scratches his/her head and wonders why their trading account
went from thousands of dollars to almost nothing over night.

What happened?

There are actually a number of things that came into play.

1. First and foremost. They believed all the hype that they
would become rich over night.

2. They did not buy a good course on how to trade the commodity
markets.

3. They picked up some books on trading at the library, or
worse, they signed up with a trading forum on the Internet and
believed everything the so called experts said about getting
rich over night in the futures markets.

4. They did not have a trading plan before they placed a trade.
A disaster in the making.

5. They believed everything their broker told them. A NOTE: All
brokers are not bad.

So what are new traders supposed to do. How do they keep from
losing all their money in their first month as a commodity
trader?

There are two very basic ways to learn the craft of trading.

1. Paper trade. Learn what to do before risking a penny.

2. Trade Mini-Futures contracts. Keep any loses to a minimum.

There are multitudes of commodity trading books on how to make
money trading futures contracts. However, a person will be hard
pressed to find how-to books devoted exclusively to trading
Mini-Futures.

The reason I believe is that Mini-Futures lack the glitter and
claims to instant wealth found in the more traditional commodity
trading manuals.

It's unfortunate, but an alarming number of new traders will
read one or more of the how-to books on commodity trading and
jump right in and place a trade order not fully comprehending
the real risks involved in trading.

Futures prices can and do make extreme price swings. New
traders, because they lack experience, are unprepared to handle
the large losses when trading standard futures contracts when
prices move suddenly against their position.

Mini-futures are not immune from the same extreme price move.
However, the dollar loss is considerably less. Mini futures
contracts will let a new trader survive a sudden market shift
and have money left in their trading account for the next
trading opportunity.

What about limiting your losses with Stop Loss orders?

A Stop Lose is supposed to keep you from having large losses.
Right? Not necessarily. There is what is called Daily Limit
Moves, known as Limit Move, in futures trading.

A Limit Move means that a commodity price can only change up or
down a certain amount during a trading session. When that
happens trading stops until whatever caused the drastic price
shift changes.

When a commodity makes a limit move against you it can shoot
through your stop loss as if it did not exist. If you are
unfortunate enough to get stuck in a Limit Move against you that
last two, three, or more days you will be wishing you never
heard of trading commodities.

This is not an everyday occurrence that you have to lose sleep
over, but you need to be aware of it.

Trading futures can be a very profitable way to earn a living
if you treat it as a business. Trading in the commodity markets
is an extremely high-risk business and as with any business you
must first learn the business so you won't lose everything you
own.

Think of it as if you suddenly wanted to be a high wire
performer in a circus. You would be in serious trouble if you
put on the flashy tights, went up 50 feet and inched your way
out on the wire before you learned the craft of tightrope
walking a foot off the ground. Fifty feet is a long way to fall
without a net to catch you.

Trading in the futures markets, and even the FOREX markets is
considered very risky. You must learn how to do it without
putting your entire financial world at risk.

When I say risk I mean how much money you stand to lose if a
trade goes against you. Your risks are anywhere from 20% to 50%
less with mini futures over the more standardized commodity
contract.

As an example a 20-cent move against you in corn is $1000 while
the same move in the mini corn is only $200. Another great
feature of the mini futures markets is the investment required
to trade a mini commodity is also 20% to 50% less. A mini wheat
contract currently requires about $400 to trade while the full
size contract requires more than $1400.

A final note: The FOREX markets also have mini-contracts. But,
the same risks apply. This series of articles will hopefully
show you how to limit your exposure to a financial disaster.

About The Author: Richard Tolar survived a ruptured brain
aneurysm six years ago. Up until that time he was a very
successful futures trader. He is passing on his knowledge with
this series of articles. Pick up his free ebook "How To Trade
Price Patterns In The Futures Markets" at
http://www.myfuturesblog.com

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11.: Acne Myths – The 4 Popular Myths About Acne

Posted by: "Darren W." distribution@isnare.com articles_isnare

Thu Feb 7, 2008 4:11 am (PST)

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The world is filled with people who spread rumors, and most of
them are baseless. they are spread so there is something to talk
about even though there is no logic nor does the news make any
sense. Experts immediately find ways of putting these to rest,
especially when connected to medical conditions. For something
as simple as acne, there are numerous rumors and myths floating
about. Some of these have no basis, and not scientifically
proven and Doctors and dermatologists who are qualified try
throwing light on these issues to protect the patients'
interests.

Some of the most popular myths about acne are,-

1. Acne is caused because of stress

This statement is only partly true, stress is not a sole cause
for acne, but it does trigger acne and at times when the boil
gets aggravated it could be due to high stress. When a person is
stressed out, his body increases sebaceous glands functioning
which leads to excretion of oil. For a lady who is trying to
conceive, she might worry each day about whether she is pregnant
or would she ever get pregnant or not. This will add to stress
that builds up inside her system and is released in the form of
acne.

If , on the other hand, a women wants to put off getting
pregnant and begin using oral contraceptives, they should
consult their doctor to understand the effects and benefits of
the same before taking them. In order to prevent acne, people
are often advised to get involved in some activity that will
help control the stress levels and keep them relaxed.

2. Food items leads to acne

There are no direct connections between food and acne, and this
has been a research for quite sometime now. However, if a person
adopts eating of regulated healthy diet, their skin condition is
known to be better than others. For people who rely on fast
food, French fries, aerated drinks, greasy oily food or even eat
out regularly, the amount of oil extracted will lead to acne or
pimples frequently.

3. Cosmetics connected to cases of Acne

A small zit on our face wrecks our life and spoils our day, and
we will not rest till we have found a solution. All it does is
hampers the looks, and leads to scars. This cannot classify acne
as a cosmetic based disease. However, excessive use of cosmetics
and make up will cause acne, when the person does not know the
proper method of applying and removing the make up. They need to
understand that their skin too like them needs fresh air, and
this is possible only by washing their face before going to bed
after a party.

4. Dirt and grime leads to acne

Dirt will not directly lead to acne, but it might be the reason
if there is too much dirt or grime on the skin and it gets mixed
with the oil secreted. When the follicles on the skin cells get
blocked, it leads to acnes.

About The Author: Author is the webmaster of
http://www.10acnetreatments.com. Download Free Acne Ebook here
http://www.10acne.com.

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12.: How To Avoid A Valentine's Day Massacre Or… 5 Easy Steps To

Posted by: "Dr. John Curtis" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 4:12 am (PST)

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Article Title: How To Avoid A Valentine's Day Massacre Or… 5
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Here are some little known facts about Valentine's Day:

1. Nationwide, 6,000 couples will tie the knot on Valentine's
Day 2008. Even when that date does not fall upon a Saturday,
February 14 is consistently one of the most popular days of the
year to wed.

2. 255,000 other couples will become engaged for Cupid's
favorite holiday. No wonder that date is beloved by greeting
card shops, romantic restaurants and diamond jewelers.

3. Yet (and here's the sobering part) based on current trends,
118,000 of this year's Valentine-launched unions will be
dissolved via divorce by Valentine's Day 2015!

Does all that mean the odds are stacked against lasting love
and long-term marriage? That even the most romantic love-birds
should anticipate break-up and disappointment in a few years?
That there is little hope for the thousands of couples
celebrating Valentine proposals and nuptials (or unions that
begin on any other date) this year?

Not at all! You and your sweetheart CAN overcome the
statistics, avoid break-ups, steer clear of divorce, and take
simple steps that keep Valentine love flourishing
forever--whether you're newly dating, newly betrothed, newlywed
or not-so-newly paired up. Use the following information to
avoid a possible "Valentine's Day Massacre!"

Start by recognizing that fewer people are getting married than
ever. Our nation's rate of marriage has dropped 50% in the last
40 years. In fact, for the first time in United States history,
more of us are single than married! That can certainly affect
our marriage numbers and success rate. But don't despair.

Next, make sure that yours is a "Built-to-Last" relationship by
treating your marriage like a business. Think about it... the
top objective of any business is long-term success. You can
apply the same proven business strategies that make for a
successful business to create a successful marriage...
Built-to-Last!

To keep love alive, you'll want to:

1. Develop a "love logo" which becomes the distinctive "brand"
for your one-of-a-kind relationship as you find and create an
image that reminds you how great your marriage is--just like a
corporate logo reminds you of what it stands for.

2. Write his and her job descriptions. Know what it expected of
each party to make this marriage business WORK. Start by
pinpointing each partner's chores and responsibilities around
the house. Don't risk losing that loving feeling over simple
things like who takes out the trash or who walks the dog.

3. Give each other timely "Performance Appraisals" based on how
well each of you is doing with your job descriptions. Be
prepared to make recommendations and garner praise. Love
blossoms when you're working in cooperation for success.

4. Expect an "emotional paycheck" in the marriage. Learn how
and when to ask for the raise you deserve--like more hugs,
compliments or flowers.

5. Meet frequently for couple's strategy sessions,
brainstorming, problem-solving and romantic retreats. These
meetings represent ideal opportunities to define and re-evaluate
the relationship, and to renew and refresh your bond.

Anyone can apply this business relationship model to strengthen
a budding romance… to help get a new marriage off to a good
start… OR to validate and fortify a relationship that has
already lasted for decades. Love IS a business! A wonderful
business you'll want to reinforce and sustain for a lifetime!

About The Author: Dr. John Curtis is an organizational
consultant, researcher, business trainer and author. His popular
books include The Business of Love! at
http://www.thebusinessoflove.org and Happily Un-married: Living
Together & Loving It! at http://www.cohabitating.org. Contact
jcurtis@iodinccom or 828-246-0459 (NC)

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13.: Looking Inside An iPod

Posted by: "Roberto Sedycias" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 5:11 am (PST)

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Author: Roberto Sedycias
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iPod represents a wide array of moveable media players which
have been designed and are sold by Apple Inc. It was first
launched in October 2001.

iPod models generally cover digital audio players with a
central click wheel to iPod Shuffle that uses various buttons
because of its small size. iPod Nano, a fifth generation, was
launched in September 2006. This led to discontinuation of iPod
mini, which it stored the data on an internal hard disk. iPod
Shuffle and Nano employ flash type of memory for smaller size.
These devices also act as an external medium for data storage.

iPod was inspired by the shortcomings of existing digital music
players, which were not physically compact and the user
interface were not very friendly.

Apple assembled a group of engineers and within a year, it
unveiled the iPod. It was launched as a product which was
Macintosh compatible with a hard drive of 5 GB. Apple used
PortalPlayer`s reference for its software. The company Pixo
helped iPod for developing user interface. But these were
refined by Apple after development.

The naming of the device as `iPod` was suggested by Vinnie
Chieco, who is a freelance copywriter. Coincidently, Apple had
the name registered for `internet kiosks`, but it never used it
for this purpose.

iPod can run MP3, M4A/AAC, AIFF, Protected AAC, Audible Audio
book and WAV format. It also introduced the displaying of images
ability with PNG, TIFF, GIF, BMP, and JPEG formats. The 5th
generation models can even play MPEG 4. From the 2nd generation
model, the software also started working with Windows along with
Macs. It doesn`t support Microsoft`s WMA audio format. WMA and
MIDI files can be changed using iTunes, a service provided by
Apple through which you can view and download latest songs and
movies on your device player.

iPods having colored displays use texts and graphics which are
anti-aliased and sliding animations. The operating system is
stored in a dedicated storage medium of the device. Each device
player has 32 MB Ram, though later ones have 64 MB Ram. Most of
it is used to cache songs through the storage medium.

Apple also added PDA type functionality so that text files can
be viewed and an address book can be maintained through a
computer. Also, some built-in games like brick are also
included. In fifth generation iPod, the brightness of the screen
can be adjusted and games can be downloaded from iTunes Store.

For first and second generation models, as well as Nano and
Shuffle, internal lithium polymer batteries are used and for
third and fifth generation models, internal lithium batteries
are used. Initially, iPods came with a FireWire connection for
charging the device, but with introduction of multipurpose USB
ports, they became outdated. Recent iPod models can be charged
using USB 2.0.

Many accessories, even by third parties, have been made for
iPods. Some additional accessories developed by Apple were sound
recorders, FM Radio Tuners, Remote Control and Audio-Visual
Cables for TV. Other accessories are external speakers,
protective cases, and wireless earphones. Third parties
manufacturing most of these accessories are Griffin Technology,
Belkin, Bose, and SendStation.

BMW vehicle manufacturer was the first car company to launch an
iPod automobile interface, thus allowing newer vehicles to
control iPod through steering wheels. Later Apple made this
technology available to many other car brands too. Even certain
Airlines started provided iPod connectors in the seat.

Apple markets its own iPod earphones and claims that they are
better fitting for ears and provide better sound quality. Since
it was launched, iPod has been market leader in digital players
because of their high quality, supreme aesthetics and ease of
use. With more cash flowing into research every year, there is
no reason for this fact to change.

This article is under GNU FDL license and can be distributed
without any previous authorization from the author. However the
author's name and all the URLs (links) mentioned in the article
and biography must be kept.

About The Author: This article can be accessed in portuguese
from the Article section of page
http://www.polomercantil.com.br/ipod.php Roberto Sedycias for
http://www.polomercantil.com.br

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14.: Real Estate Blogging Is An Advantage

Posted by: "Shareen Aguilar" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 5:11 am (PST)

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Article Title: Real Estate Blogging Is An Advantage
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Online businesses are nowadays praised and criticized by both
entrepreneurs and consumers. Many online entrepreneurs would
regard online websites as perfect tools for marketing purposes
and they are right. Using the internet for business saves time
and money; which are two important factors that entrepreneurs
always look out for. The aid of online technology has been
developed to everybody's convenience, not just for the
consumer's benefit but for the entrepreneurs as well.

For realtors and real estate agents, there is a great deal that
they can get by taking real estate business online too. Every
real estate agent can do it and trying it is worth everything,
time and even money.

You don't have to become an online real estate pro during your
first moments using the net, everybody has to start from scratch
and the internet is such a vast space to start big up front, so
take your time. You can start small as long as you are on the
right track of whatever it is that you are going to post or
publish online. If you already know the real estate world from
the inside and out, you already have a good advantage and
putting all that you know in writing is a good way to go.

How do you go about with this entire online thing, you ask?
It's easy. Though people think that competing with other online
real estate marketers is going to be a tough job, it's actually
also a great opportunity for people to market and share what
they know at the same time. It's more like writing about what
you already know and getting people to acknowledge it plus,
getting paid for doing it.

This is simply the reason why online marketing for real estate
agents and owners are such a great idea but often times clouded
by false ideas. Creating your very own real estate blogs
guarantees a sure way of getting on top of the search engines
just as you are getting establishing your real estate reputation
online on your real estate website.

About The Author: Shareen Aguilar is a writer for
http://www.realestateleadsgeneration.com which has information
on generating Real Estate Leads.

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15.: Face Shapes & The Jewelry That Flatters Them

Posted by: "Melanie Spark" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 5:12 am (PST)

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Your face is the first thing that most people will notice when
they see you. Whether it's a first meeting or someone that
you've known for years, your face will leave an impression on
others as they think of you. As individuals, we each have
distinct features that make our face different from any other.
One thing that we do share in common, however, is one of four
basic face shapes that we each possess. Among them, oval,
round, heart and square. In this article, we will explore ways
to identify our own face shape and the jewelry that best
compliments it.

An oval face is slightly greater in length than in width. Its
soft lines and classic shape will be accented well with pearl
earrings, a matching pearl necklace or a trendy ensemble of
circle jewelry.

A round face is shaped similar to a circle in that it is
equally round with soft curves. If you are looking for ways to
elongate a round face, you can do so with a long necklace or
dangle earrings. Any jewelry that you choose featuring length
will compliment a round face in that it gives your face an
elongated appearance.

A heart shaped face, like the symbol of a heart, is wide at the
top and narrows to a point at the bottom. For the best
compliment, jewelry lovers with a heart shaped face can look for
hoop earrings or those featuring a teardrop design, which is
known as a universally friendly style that's flattering to every
face shape.

A square shaped face lacks the soft curves found on one with
round or oval features. In an effort to soften the jawline,
jewelry lovers with a square face can choose a drape or
waterfall design. Any style with layers will give the face a
more curvy appearance and will compliment it nicely.

Now that you know the various face shapes, how to identify them
and which jewelry is made to compliment them, it's important to
note that some designs are said to flatter every face. As
mentioned earlier, the teardrop design is one that compliments
all face shapes in that it provides soft curves, an elongated
design and a polished finish that draws the eye to the accessory
and away from the actual shape of the face.

In conclusion, there are various face shapes and facial
features that come together to create each person's individual
appearance. While the information above is intended to be a
reference guide for those looking to identify their face shape
and learn how to compliment it with the help of jewelry, the
only one who knows what looks best on you is you. Certain types
of jewelry appeals to some more than others, and this is why we
enjoy choosing from a large variety of styles. If you're in the
market for new jewelry and aren't quite sure what to choose,
consider shopping for sterling silver accessories that offer an
affordable way for you to increase your collection without
spending a fortune. Regardless of your face shape, the look of
a smart shopper is a flattering look on everyone.

About The Author: For more information on sterling silver cubic
zirconia jewelry and cubic zirconia engagement rings, visit
Almost Diamonds at http://www.almostdiamonds.com

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16.: How Do I Get Newts In My Pond?

Posted by: "Derek Rogers" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 6:11 am (PST)

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Newts are a type of amphibian that look a lot like salamanders.
However, unlike salamanders, newts spend most or all of their
life in the water. They are descended from salamanders, but
branched off around sixty million years ago. Now, they're found
in many temperate parts of the world, including Asia, Northern
Africa, Europe, and North America.

Some types have a terrestrial form (referred to as an eft),
that lives on land to find a new home, then come back to the
water when mature. Newts are popular among pond owners. They're
charming, cute little creatures in their own right. However,
having a population of newts also means that your pond is very
healthy, since these creatures have somewhat specific living
requirements. If you're thinking about colonizing your pond with
newts, or setting it up to attract these little creatures,
here's some information that might help.

Newts are often food for other creatures. This means that
having newts might draw some impressive looking birds to your
pond, but it also means you'll have to pay attention to what's
living in and around it if you want to keep your newt population
alive. Carnivorous fish often pick off these little lizard-like
creatures, making it hard to keep the population up. As well, if
there are any ducks frequenting your pond, they may eat the
vegetation your newts are laying their eggs in, giving them no
place to breed. This doesn't mean you have to chase off all
predatory birds or remove newt-eating fish from your pond. It
does mean that it's a good idea to try to provide habitat and
other conditions that encourage a thriving population that won't
be damaged by predation.

Another danger that can kill stocked or native newts is the
pump of a small pond. If you have a smaller pond which requires
a pump for circulation, newts can be sucked into the pump and
killed. Even if you use wire mesh, these pumps can kill very
small newts. You can solve this problem by using an ultra fine
mesh, or by placing your pump underneath a weighted upside down
pot with a hole cut in it. Remember to use mesh over this hole
as well. These methods will cut down on the number of newts you
lose, and on unpleasant filter cleaning.

Newts can live in fairly shallow ponds, and prefer slopes with
lots of plants. High density weeds will encourage them. A good
environment for newts will help you develop a breeding
population that will stand up to even predatory fish and birds.
While tadpoles and young newts may fall prey, a pond that can
support them will encourage their numbers to increase. Expect to
see baby newts around April and May, if your animals are
breeding. You can either make your pond suitable for the local
species of newt that you'd like to attract (specific conditions
vary by species) or purchase newts and stock your pond. The
second is more expensive, but also gives you a better chance of
seeing these animals live and grow in your waters.

About The Author: Derek Rogers is a freelance writer who
represents a number of UK businesses. For pond maintenance, he
recommends Seapets, one of the UK's of
http://www.seapets.co.uk/view-subcategories/category/8.html pond
supplier specialists.

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17.: Travel Insurance - Gap Year And Backpacker Travel

Posted by: "Jean Andrews" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 6:11 am (PST)

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There are many hazards and dangers that gappers can encounter
if they don't do their homework and plenty of research before
setting off. Many of us wish we could blaze a trail across new
frontiers, but the reality is that someone has already been
there, done that, and got the tee shirt. Nevertheless, it's a
good idea to network with those who've gone before you and take
advantage of their knowledge.

Perhaps one of the most important tips is to thoroughly check
out any company before paying money up front! Many of these
companies may profess to be experts who can set up a complete
overseas volunteering package for you. Some companies are
legitimate, but others may not be. No matter how intrepid you
think you are, you wouldn't really want to find yourself stuck
in the jungle surrounded by malaria-ridden mosquitoes without a
reliable lifeline or helping hand back to civilization. Would
you?

I've researched and written blogs and articles about this
subject in the past and the bottom line seems to be 'get the
facts and then double check them, and then check again.' For
many young people it will be their first time away from home
alone - so having reliable and solid support is vital.

Gap Year travel has become the norm, and almost expected of any
self-respecting student. However, it's not just students taking
that year out these days. Many choose to take a gap year as a
career-break, perhaps while switching careers mid life. Mature
travellers have the time and money to set off on adventures and
make up for what they missed out on when younger. No matter what
age or what your plans are, the Internet is sure to play a big
part in planning your gap year. It's a tremendous resource.

Taking a gap year wasn't always an option unless you came from
a very wealthy family. Going back a few centuries, the young
upper classes went on the Grand Tour of Europe as a rite of
passage and part of their education. They were the first gap
year travellers, but they were the privileged few. Our handsome
princes, William and Harry, did their gap year volunteering and
weren't afraid to get their hands dirty. I think we'd all agree
they have turned into terrific young men.

A gap year could encompass volunteering in an overseas work
program. Other options might include working in a ski resort or
dude ranch, an exchange program, a language course or other
course of study, or just taking off on a backpacking Odyssey.
Whichever you choose, it's sure to be an eye-opening and
character building look at other cultures. A large percentage of
the volunteering opportunities will be in African countries, but
there's a need for volunteers in many other parts of the world.
Other popular destinations for gappers and backpackers include
Peru, USA, Canada, Australia, Mexico, South America and Chile.

Planning well ahead is essential, especially to ensure you get
all the vaccinations you'll need for the countries you plan to
visit. Make sure your passport has plenty of time left on it and
apply for all the necessary visas. As you'll need to book
long-haul flights in advance it's also important to purchase the
right type of travel insurance - as well as coverage for any
planned sporting activities.

Using the internet social networking sites makes it easy for
travellers to stay in touch with family and loved ones and share
experiences and photos online. I know it's not as fast as
shooting an email through cyberspace but, personally, I still
think it's nice to receive postcards from foreign places with
the colourful native stamps. People don't have time for snail
mail these days.

There doesn't seem to be a downside to taking a gap year. The
best advice is to use the internet to research your destinations
and arm yourself with as much knowledge as possible. Read the
reviews and tips provided by other travellers - they could help
you avoid bad experiences - as well as share in the good ones.
You can network with other travellers, find good value hostels
and places to stay, get in on the best restaurant deals, and
pick up useful backpacking tips.

I heard a good-natured gripe from a young woman who is off
backpacking alone in Southeast Asia. She felt that she was just
following the same route that thousands of others were on and
her experiences were not worthwhile or special. Maybe she should
stop worrying about being unique and just enjoy it and take
advantage of the input and experiences of others. They learned
their lessons the hard way so that she doesn't have to!

About The Author: Jean Andrews is a freelance writer living in
the UK. She regularly contributes articles for TIA Ltd who
offer backpackers travel insurance:
http://www.travel-insurance.net/backpacking/

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18.: Keeping Business Simple

Posted by: "Thomas Fairholm" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 6:12 am (PST)

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Too many business planners end up spending time and money
creating a plan that offers a detail for every little piece of
their business. This is great for getting started to make sure
nothing is left to chance in getting the business off the
ground. For an average business, this type of detailed plan will
probably grow into a 300 page book, or larger and will cover
every minute detail of operating your business.

When it comes time to seek funding, ask yourself who is going
to read it. Many potential investors will tell you they do not
care how many facings of each different brand and style of
peanut butter you will stock on your shelves. Heck, they
probably will not care that you are going to sell peanut butter
at all unless they plan to shop at your store. Many also agree
that business plans looking for money that are thicker than 20
or 30 pages are rarely read and funding seldom given.

If investors, after reading through a brief, well-documented
business plan want more information they will ask for it. If
they are inundated with information they will usually move on to
the next proposed project. They simply do not have time, or
desire to read each and every detail written in to many of the
plans handed to them.

In general, potential investors will be looking for how much
money the business needs to get started, justifying the total
amount as well as how long it will be before the business
expects to turn profitable. Not so much as to how soon they will
be fully repaid with interest, but how long before they can
expect to see money coming back to them.

They will also want to know about the person who will be
running the business. Many investors will want the operator to
have experience in the business. A person planning to open a hot
dog shop, for example, may have 20 years of experience in
management but has never worked in food service, has little to
offer the investor in the way of an incentive to think they may
succeed. On the other hand, if they worked for another hot dog
shop for 10 years and have five years in food service
management, they will feel better about the chances of success.

Regulatory compliance is another hot issue for many investors
as they do not want to see the business closed down for
violating state or federal laws. The business owner, or a
representative, must be knowledgeable about the laws governing
the particular business and have inspection steps in place to
insure compliance with all rules and regulations. Training of
current and future employees is another issue for some
investors, making sure the company's representatives can
responsibly serve the needs of potential customers.

Investors will also look for marketing research, indicating
there is a need for the product or service the business will
provide and that it is large enough to offer sustainability.
Single-sales business rarely survive for long and business that
promise repeat sales to the same customer are often given more
consideration for funding.

About The Author: Thomas Fairholm To find the best home based
business ideas and opportunities so you can work at home visit:
http://www.IncomeForLifeSite.com For products and services to
streamline your business and help you earn more money in the
least amount of time visit: http://ThomasFairholm.com

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19.: Using A Sample Cover Letter

Posted by: "Mario Churchill" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 7:11 am (PST)

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What options are available to you when it comes to writing
cover letters? If you don't write them yourself, you have to
consider either paying a ghostwriter to do it for you or buying
software that can automate the process. Both options are
expensive, so it is better to go on and write it yourself if you
can. But where do you start if you do not know how to create a
cover letter. The answer is by evaluating a sample cover letter.

Where are the best places to find a sample cover letter? Many
cover letter books will provide a lot of sample cover letters,
but unless you get these books from the library you will have to
pay for them. So the better option is trying to find a good
sample cover letter off of the Internet. The best way to do this
is to type in the keyword "sample cover letter" plus whatever
industry you are trying to get into. This is because if you just
type in "sample cover letter", you will get sample cover letters
for all types of jobs. While this may still be of assistance to
you, it is better that you get a sample cover letter that is
written for the specific position you are applying for.

Depending on the sample cover letter you have access to, you
may have an automatic template you can use for creating your own
cover letter. What is a template? It is simply a document that
contains a predefined layout. This layout usually covers font
face, font size and graphic design. In terms of the text, you
would replace what is already written with your text. And since
the template would be coming from a sample cover letter, you
would already have what you need to appropriately create your
own text. However, don't be tempted to copy any portion of the
text found in your sample cover letter. Not only is it
plagiarism, but it is downright lying. Plus, with services like
http://Copyscape.com, employers can tell whether or not the
contents a cover letter were genuinely written or simply stolen
from a sample cover letter. Remember, only use your sample cover
letter as a guide for writing. If you really like how a phrase
is worded within a sample cover letter, consider using a
thesaurus to figure out a different way to express it.

If you're interested in helping others write cover letters
while making a little bit of extra money, consider showcasing
your own sample cover letters that would no longer be of use to
you because you decided to switch career paths. To make money
doing this, you would have to enroll in Adsense, a program that
pays you each time a person clicks on your ads. Your website
content would be a perfect draw for visitors, since there can
never be enough sample cover letters to look at. If you provide
enough sample cover letters on your site, hopefully your visitor
will stay long enough that they will be interested in your
Adsense ads. Just make sure that any and everything on your
website was written by you and that you don't plan on continuing
to use the cover letters. If you do you might be falsely accused
of plagiarism, if your employer finds that the cover letter has
already been used, (which it would be because it's on your
site).

About The Author: Mario Churchill is a freelance author and has
written over 200 articles on various subjects. For more
information checkout http://www.amazing-cover-letters.com and
http://amazingcoverlettertips.com.

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20a.: Energy Costs May Cost You Your Youtube And Your Flowers, Too

Posted by: "Wesley Berry. AAF" submissions@article-distribution.com article_distribution

Thu Feb 7, 2008 7:12 am (PST)

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Energy Costs May Cost You Your Youtube And Your Flowers, Too

Article Description:
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We're all struggling with rising energy costs. For some, that
could mean giving up the luxuries we enjoy, like the Internet
connection that allows us to use YouTube. But, for people in the
flower business, the cost could be even higher.

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386 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2008-02-07 10:12:00

Written By: Wesley Berry, AAF
Copyright: 2006-2008
Contact Email: mailto:wes@wesleyberryflowers.com

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Energy Costs May Cost You Your Youtube And Your Flowers, Too
Copyright (c) 2006-2008 Wesley Berry, AAF
Wesley Berry Flowers
http://www.800wesleys.com/

We're all struggling with rising energy costs. For some,
that could mean giving up the luxuries we enjoy, like the
Internet connection that allows us to use YouTube. But, for
people in the flower business, the cost could be even
higher.

Increasing energy costs are having an enormous impact on the
floral industry. Running a greenhouse requires a great deal
of energy for heating and other operations. Unfortunately,
those costs have to be passed on to the consumer. And, since
consumers are also struggling to pay their own energy bills,
they have less money left over to purchase flowers.

According to the Floriculture and Nursery Crops Outlook
report that was released on September 22, 2006, rising
energy costs are having a similar affect on the flower
industry as they are on the food industry. Alberto Jerardo,
author of the report, wrote, "In 2005 and 2006, higher
petroleum prices led to greater price inflation in the food
and agriculture sector as costs rose for fertilizer,
storage, processing, and transport, among others. Thus, as
in 2005, demand in 2006 will be subdued despite abundant
floral and nursery crops. As a result, prices of greenhouse
and nursery crops will again be unable to rise enough to
offset their higher production costs."

Other findings disclosed in the report are:

* The value of imported fresh cut flowers is more than
double the value of domestic fresh cut flowers sold.
Domestic flowers had a value of about $385 million while
imports had a $750 million value.
* Flower growers in the Southern parts of the U.S. are
enjoying the fastest sales growth, while those in the
Midwest also experienced some increased sales. On the other
hand, growers in the West and Northeast saw a decrease in
sales.
* Lilies are the most popular of major cut flowers. They
have the highest per household consumption at 66 cents in
2006 compared to 34 cents for roses and tulips.
* Domestically grown lilies, alstroemeria, and carnations
had price increases this year, while imported cut flowers
had no price increase.

Flowers have become such an important part of American
culture that we can only hope rising energy costs won't
result in people having to forgo the positive aspects
flowers add to our lives. After all, for most of us, flowers
would be a much greater loss than YouTube.

----------------------------------------------------------
Wesley Berry is member of the American Academy of Floriculture
(AAF) and President of Wesley Berry Flowers, a successful
multi-million dollar floral business that was established in
1946. As a major sponsor of http://www.local-library.com and
http://www.Localschoolfinder.com , Wesley Berry has worked hard
on behalf of improving literacy. Visit Wesley Berry Flowers
on the web at http://www.800wesleys.com .

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21.: Needle Scaler And Debris Removal

Posted by: "Cooper Miller" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 7:12 am (PST)

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One of the most important aspects of almost any job in a modern
auto workshop is getting the area that you are working on as
clean as possible. Removing dirt and debris from the area where
you want to carry out a repair makes finding and isolating the
problem much easier, and makes fixing it simple. While it is
possible under certain circumstances to use solvents and other
cleaning agents to get an area ready to work in, the best air
tool to properly prepare an area and remove the dirt that can
compromise your repair is a needle scaler.

Needle scalers are one of the most important air tools in a
modern mechanic's armory, and have literally hundreds of
different uses in the workshop. These are simple but effective
air tools that are amongst the most efficient method of clearing
debris from an area to prepare it for work.

A needle scaler is an air tool that replies on a supply of
compressed air that forces a piston backwards and forwards. This
piston is connected to a number of very fine chisels that
resemble needles. By pushing the needles forward at a very high
speed – up to around 5000 times per second – the needle scaler
is able to rapidly chip away at any debris in an area and clear
it back to bare clean metal in a matter of seconds without the
need for any expensive and messy solvents or other cleaning
products.

The secret of the success of a needle scaler is the fact that
it works at such high speeds. Because the chisels move so fast,
they only need to move a small distance, which means that the
tool is incredible accurate and precise when used. Someone who
is experienced in using a needle scaler will find that it is an
excellent way of removing paint, rust, and other things from a
surface with a minimum of fuss.

The air tool can be held in a similar manner to a large pen,
and gradually used to clean a surface to a very high standard
quickly. Different products are available that offer different
numbers of needle points, or work at higher or lower power
speeds. When choosing a needle scaler for your workshop, there
are a number of factors to consider including the price you are
willing to pay, and how much you are going to use the tool. If
you are likely to use needle scalers a lot – and most mechanics
find that they are – it makes sense to buy one that will go the
distance, and will clean effectively to reduce the amount of
time a job takes.

Ingersoll Rand needle scaler, one of the top names in air
powered tools produce a standard duty needle scaler that Red
Hill Supply has on sale at around $165, which is a real bargain
considering that the recommended price is more than $300. This
tool has 19 needles and pumps out at 4600 cycles per minute,
making it very effective at cleaning even the hardest
contamination from an area.

Florida Pneumatic offers a similarly priced needle scaler which
has been designed with a pistol style grip to make it more
comfortable in use, and easier to poke into confined areas. The
FPT 1050 offers lower levels of power than the Ingersoll Rand
product, with a maximum speed of 2700 cycles per minute in
normal use. The tool weighs around 4 ½ pounds, which means that
it is still light enough to use for short jobs, but you may find
it tiring to clean larger areas using it.

If you don't yet require the power of one of the high end
needle scalers from Ingersoll Rand, then it is probably still
worth considering something like the lightweight pneumatic
scraper kit from Astro Pneumatic. At less than $45, this tool is
perfectly adequate for light surface cleaning, and can even
remove spot welds with a little effort. While it may not have
the effectiveness of a more powerful needle scaler, it will
still give acceptable results in most cases.

About The Author: Jason has been in the construction equipment
and industrial sales business for over 10 years. He owns and
operates Red Hill Supply to better serve the automotive and
industrial industries. -
http://www.redhillsupply.com/Air-Compressors.htm

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22.: A Career Alternative

Posted by: "Lisa Mazurka" submissions@article-distribution.com article_distribution

Thu Feb 7, 2008 7:48 am (PST)

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A Career Alternative

Article Description:
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With the increasing demands in nursing today, many nurse
practitioners are seeking alternative careers to utilize and
compliment their current degrees. Numerous nurses are pursuing
career alternatives as Clinical Research Coordinators;
individuals who aid in the coordination, management and conduct
of clinical research under the supervision of a designated
physician/investigator.

Additional Article Information:
===============================

843 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2008-02-07 10:48:00

Written By: Lisa Mazurka
Copyright: 2008
Contact Email: mailto:lisa.mazurka@thephantomwriters.com

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A Career Alternative
Copyright (c) 2008 Lisa Mazurka
Clinical Research Consulting, Inc.
http://www.eclinicalresearchconsulting.com

The clinical research industry is a rapidly growing field. One
can't turn on the television or read the newspaper without
hearing about the latest and greatest drug approved by the FDA.
With this growth, come new and exciting job opportunities for the
healthcare industry.

The clinical research industry has been responsible for bringing
numerous careers to the forefront for healthcare professionals.
One profession in particular, has been greatly impacted by this
new growing enterprise; nurses.

Particularly, nurses involved in direct patient care are taking
the opportunity to transition from standard clinical care to
roles within the clinical research industry, especially given the
demands on nurses have become greater due to nursing shortages
and numerous healthcare policy changes.

The clinical research coordinator role has become a popular and
sought after career alternative for nurses. Clinical research
coordinators serve to aid in the coordination, management and
conduct of clinical research under the supervision of a
designated physician/investigator. Despite the interest and
eagerness of nurses to leap into this alternative career, it is
not always an easy transition. At least two major obstacles are
often hurdled by nurses; 1) lack of a clear, defined job position
of the clinical research coordinator and 2) lack of education and
training to perform the responsibilities in this new occupation.

A concrete, defined role for the clinical research coordinator is
not well defined in the industry literature. In fact, the ICH GCP
guidelines do not even include a definition for clinical research
coordinator in the definitions section (although you will find
the role of the investigator defined). In a study conducted by
Spilsbury, et. al., 1 the roles, responsibilities and
contributions of clinical research nurses were evaluated.
Findings reported that the clinical research nurse's role can
influence the quality of the research; however the scope of this
role was poorly defined. Further, they analyzed the transition
process from a clinical care nurse to a clinical research
nurse's role through a nursing focus group, and found that the
clinical research nurses reported lack of confidence, role
conflict, challenges in gaining the cooperation of the global
nursing staff, and difficulties maintaining motivation within
their newly defined role.

The second hurdle facing nurses in this new role is lack of
clear, defined responsibilities which can lead to confusion and
misinterpretation. Further, nurses are often not familiar with or
have not been exposed to the specific knowledge or background
required to perform within the function of this position.

To help ease this career transition process and avoid many of the
issues cited by Spilsbury and his colleagues, education and
training is a key factor for a successful career transition.
Without the proper training and education prior to and during
this transition, nurses (and often the physicians supervising the
research and their designated role) are unaware that among
specific job requirements and responsibilities, there are also
federal regulations which they must abide by in the conduct of
clinical research. Further, they are often unaware that there are
specific guidelines (Good Clinical Practice guidelines) which
should be followed. Often, this inexperience results in a naïve
but true noncompliance with the law. Often times, federal
violations resulting from lack of education and training are
found during FDA audits through the FDA's Bioresearch Monitoring
Program.

Despite the importance and growing interest in the clinical
research coordinator role we continue to face challenges and
resistance in supporting education and training for clinical
research coordinators. Bakker, et. al., 2 evaluated a group of
oncology nurses and their perception of research. The study
concluded that the respondents valued research and perceived a
role for nurses in the clinical research industry, however they
did not perceive that there is a strong administrative and
collegial support for their involvement. Many nurses who
transition into this role attempt to seek training and education
from supervisors and senior management but are declined for
various reasons.

Despite the importance to train and educate new clinical research
coordinators, there is no standard requirement for training and
education within the clinical research industry. As nurses
undergo education, training and licensure to practice clinically,
there is no standard requirement when they transition into the
clinical research arena. Until the industry considers education
and training a priority or it becomes a standard job
prerequisite, coordinators will continue to struggle in their
roles and unfortunately not have the ability to function to their
full capacity.

In conclusion, the clinical research industry offers a unique and
stimulating career transitions for nurses. Nurses considering
this transition should first research the roles of the clinical
research coordinator and seek education and training to fulfill
this new occupation. In addition, other suggestions for support
include: membership and involvement in professional clinical
research organizations, peer focus groups and a mentoring
system.

References:

Bakker DA, Trottier T, McChesney C, "Clinical Oncology Nurses'
Perception of Research", Canadian Oncology Nursing Journal, 7
(3): 150-161 (1997)

Spilsbury K, Petherick E, Cullum N, Nelson A, Nixon J, Mason S,
"The Role and Potential Contribution of Clinical Research Nurses
of Clinical Research Nurses to Clinical Trials", Journal of
Clinical Nursing, April 5 (2007

----------------------------------------------------------
Lisa Mazurka is Founder and President of Clinical Research
Consulting, Inc. http://www.eclinicalresearchconsulting.com,
a full service clinical monitoring, project management, training,
and educational service organization committed to raising
standards within the pharmaceutical and biotechnology industries. Lisa is an avid clinical educator and has delivered hundreds of educational programs for hospitals, academia and biotech
start-ups to leading pharmaceutical companies. She has also
taught for the Boston University School of Medicine and
The Massachusetts Biotechnology Council.

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23.: How Do You Implement Alcohol Testing?

Posted by: "Martyn Baker" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 8:11 am (PST)

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Article Title: How Do You Implement Alcohol Testing?
Author: Martyn Baker
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Are your drivers or users of hazardous equipment below the UK
alcohol limit - because if not, when counting the cost, it's the
mourning after that hurts the most.

Key management with compulsory alcohol testing – this system
will not allow vehicle keys or keys to access hazardous
equipment to be released if the user does not pass an alcohol
breath test.

The Health & Safety Executive states legal obligations … you
have a Duty of Care to manage at work … including those
responsible for the management and operation of hazardous
equipment or company vehicles. Whatever the outcome, you and
your company could be left to deal with the potential
consequences.

Key management with compulsory alcohol testing

The highly acclaimed GB Alcolock 500 alcohol tester (Home
Office approved) has been integrated to work with Traka
electronic key management to ensure drivers (or operatives of
any piece of potentially dangerous equipment) must first pass a
breath test before keys can be withdrawn. Testing can be
compulsory for every user or set to test a random sample of
users.

After opening the Traka cabinet using PIN, access card or
biometrics reader the user then selects the required key to a
particular vehicle or piece of equipment. However, before the
key is released the system display requests the user to blow
into the Alcolock.

A five second blow and the system will confirm a Pass or a
Fail. Only if Passed will the key be released. A Fail and the
key will be locked in place. Furthermore the Fail will be logged
in the Traka database together with the user's name.

The Traka integration provides a compulsory breath test before
the keys can be released and is a highly cost effective method
for ensuring staff are safe before driving or using equipment
where excessive alcohol levels may cause danger or impair
judgment.

The Alcolock enables management to ensure that operatives are
safe in their work environment. Furthermore the duty of care
that every business needs to implement is reinforced if every
user is proven to be below legal alcohol limits.

Typical applications include:

• Fleet and Delivery vehicles

• Bus, Coach and Public Service vehicles

• Distribution Centres and Fork Lift Trucks

• Plant vehicles – excavators, dumper trucks and cranes

• Environments where dangerous or hazardous equipment is used

• Firearms and weaponry establishments

Electronic key management is used to ensure drivers only take
keys to vehicles they are allowed (or to equipment that
operatives are permitted to use) and that a record is kept as
the key is withdrawn.

This ensures that the drivers have valid permits for the
vehicle type (or equipment use) and that a computerized audit
trail is generated so that in the event of driving offenses or
dispute there is positive evidence of the driver concerned.
Traka also ensures that the keys are returned after use and
provides an easy method for finding out who has the key now or
at any time in the past.

Electronic key management also makes it easy to record vehicle
(or equipment) defects both to ensure the repairs are carried
out quickly and efficiently and to quarantine dangerous or VOR
vehicles.

Traka is in use extensively in the UK for all sizes of vehicle
fleet and equipment management and typically shows significant
operator savings, often with paybacks inside twelve months.

About The Author: This article was written by Martyn Baker,
Marketing Manager for http://www.traka.com electronic key
management company Traka plc.

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24.: What They Don't Want You To Know About Natural Breast Enlargement Pi

Posted by: "Crystal A" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 8:11 am (PST)

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Article Title: What They Don't Want You To Know About Natural
Breast Enlargement Pills
Author: Crystal A
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Would you like to have fuller, bigger, shapelier, beautiful
breast without the risk, pain, and stress or recovery time of
breast implant surgery?

Breast enhancement pills have become quite popular in recent
years as more and more women are shying away from augmentation
surgery. Due to the high costs as well as the risk of serious
health complications, pain, and recovery time.

For herbal breast enhancement pills many different herbs are
used. But these herbal breast enhancement pills only trick you
body to have water retention in the breast, thusly increasing
your breast size. Because it's just water retention you need to
stay on a maintains program (continue to buy, and take the
herbal pills, often several times a month) to keep your water
retention. The worst part is that water retention is bad for
your health because it lowers your bodies' ability to maintain
proper circulation needed to maintain healthy cells. Herbs can
help you get healthier but herbs can not change the structure of
your body.

The dirty little secret is that despite the claims, herbal
(also known as phyto-oestrogens) breast enhancement pills and
creams only work for about 15% of all kinds of women who take
them. The higher claims can be made because the test subjects
for that study are done on a very select group of individuals
that have the attributes that make them the best candidates for
success. In this way very high claims can be made because the
perimeters of the study are never disclosed.

But there is hope. Yes there is something that really works! A
breast enlargement pill, which stimulates your pituitary gland,
the body's major hormone regulator, to reactivate your body's
natural breast growth hormones. This is a form of glandular
therapy also known as homeopathy and it has no side effects or
weight gain!

Now there is BountifulBreast® Enhancement Formula. The
completely natural and truly revolutionary breast enhancement
alternative to expensive and painful surgery and ineffective
herbal pills and creams.

Our breast enlargement pills are unlike any other breast pills
on the market in both ingredients and manufacturing process. One
process we invented is called NutriPotentized. We believe this
process makes our pills more effective than solely the
ingredients and manufacturing processes alone. We use only
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approved laboratory.

BountifulBreast® natural breast enhancement pill is an
outstanding and truly revolutionary product. Our phenomenal
success rate is exactly why you need to try BountifulBreast® now
to get the beautiful breast you have always wanted. With
BountifulBreast® you have our 100% money back Guarantee!

How do your breast augmentation capsules work?

The aesthetic breast develops in advance of the glandular
breast. Early in adolescence, the brain begins secreting regular
bursts of hormones that stimulate the body to lay down fat
deposits in the breasts. That adipose tissue is suspended in a
gelatinous matrix of connective fibers that extend from the
muscle of the chest to the underside of the breast skin.
Connective tissue can stretch and stretch, to accommodate as
much fat as the body inserts between its fibers; the connective
tissue's spring gives the breast it's bounce.

Female breasts are comprised mainly of fatty tissue held
together by connective tissue. All women have approximately an
equal number of mammary glands. BountifulBreast® stimulates your
body to re-release hormones which in turn cause an accumulation
of fatty breast tissue. This method of breast augmentation and
enhancement does NOT cause a gain in general body weight!

Our products are shipped discreetly and we never sell, rent or
divulge any customer information to any third parties except in
the performance of delivering your package.

About The Author: Thank you reading my Article. I have given
some important and little known information here and I hope you
have found it helpful. I personally wasted hundreds of dollars
on many different herbal pills that did not work at all! Then I
found "BountifulBreast" and it worked
http://www.letslivebetternow.com

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25.: Key Features In A Computer Printer

Posted by: "Pencil Writer" distribution@isnare.com articles_isnare

Thu Feb 7, 2008 8:12 am (PST)

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A printer is a useful output device that prints the data from a
computer into a printing material like paper. There are various
types, the most common ones being inkjet and laser. Inkjet is
very useful to reproduce true colours, which only a very
expensive laser one can produce. However, the printing speeds
are lower and the text quality can be low when compared to
laser. The running costs can be higher as well. But overall, for
an all-round use, the inkjet is useful.

In a laser printer, the speed is very good and the output
quality is also very high. However, the cost of toner cartridges
for the laser types is higher when compared to the ink
cartridges.

The next feature is monochrome or colour printer. A monochrome
produces black and white images only, which is useful for
printing text, but is not very appropriate for photo printing
and other colour printouts. For an inkjet printer to print both
black and white text and colour images, 4 colours should be
available in the cartridge.

There is a feature called PictBridge, which allows transfer of
photos from a memory card of a digital camera into the printer
directly and produce colour photos printout. The print size and
other features can be altered in the camera itself and the
printout can be taken directly.

While purchasing printers, it is better to have an idea of the
cost of cartridges and the availability, as at first some
printers might be cheaper to buy, but the cost of the
consumables would be so high and also difficult to locate, that
buying the expensive version becomes more cost effective in the
long run! Also in all-in-ones, it is important to check out the
memory capacity, when it falls short of printing papers. This is
evaluated in MB; the more the memory capacity, the speeder the
printer.

The drivers are given along with the software. The updates for
the drivers are made available in the manufacturer's website
itself. Many all-in-ones give the facilities to fax, copy and
scan without the PC switched on, which saves time. Printing
speeds should also be considered, while buying. The competent
ones give about 20-25 black and white pages per minute. However,
the colour pages take time depending upon the image resolution
etc.

Power consumption has to be taken into consideration. Some
models can waste a lot of electricity, when in stand-by mode.
Also the various types of printing modes offered has to be
analyzed as well, with the common ones being standard, typically
draft and best designed. This allows the running costs to be
kept minimal. There are various media types wherein the print
can be done. This includes different shapes, sizes and types of
papers, CD/DVD, labels etc. Appropriate printers should be used
for the specific needs.

Some also offer printing at both the sides, which is a very
good and useful feature for many. The final thing to be noted is
the connections. Mostly the latest versions have USB ports to
attach to different USB devices. Also some are equipped with
Ethernet facilities as well.

Printers are very advantageous and also come in various models
and types, to suit different needs and necessities. Choosing the
right model saves time and also proves useful, along with being
cost effective as well.

About The Author: Visit http://www.computer-printers.org.uk/
Computer Printer Reviews website to find best buys and reviews
on http://www.computer-printers.org.uk/category/dell-printers/
Dell Computer Printers.

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Anonymous said...: Affiliate Marketing is a performance based sales technique used by companies to expand their reach into the internet at low costs. This commission based program allows affiliate marketers to place ads on their websites or other advertising efforts such as email distribution in exchange for payment of a small commission when a sale results.
www.onlineuniversalwork.com; January 6, 2010 at 9:28 PM

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