Acne and teenaged psychology

When you look good you feel good is a fact without a doubt. No matter how people look at you & perceive your image, but all the grooming stuff you do is to look good. Everyone wants to portray him or herself as if no one was handsome or smarter ever. Especially people in showbiz and media in general are more conscious about their looks which builds up the self-regard in them is important than life.

Similarly, for teenagers looks are even more important than the person inside. This twisted sense of self-image can backfire and lead to some truly horrible results. More and more teens are suffering from depression. Young girls seeking perfection can become anorexic or bulimic. Some kids even isolate themselves and are extremely uncomfortable in social situations. So when acne strikes, how are teens equipped to deal with the prospect of looking “abnormal” or “ugly”? Teenagers can be cruel to each other, and to themselves.

The American Academy of Dermatology has reported that a staggering 95% of American teenagers will suffer acne breakouts at some point during adolescence. Some kids can hide milder cases with makeup or flesh-colored over-the-counter treatments. Some even use their hair or clothing – longer styles, hats, etc. However, sufferers of severe acne must stand exposed, with all their imperfections, for the world to see.

Since acne occurs so frequently in adolescence, blemished skin makes teens fear how their peers view them. Self-esteem and self-worth can be affected when kids are afraid of being judged by their contemporaries. Teens put up with so many anatomical changes that can make them feel “dirty.” It is particularly vulnerable time when kids worry about being accepted, and about the way, they look. Unfortunately, some parents can trivialize the teen’s fears.

Attitudes like “I went through it…you’ll go through it” and it will go away. However, when that first serious breakout happens…acne typically gets worse before it gets better…the teen may rationally agree that it is probably a passing phase. However, while it is “going away,” the teenager remains afraid of being judged by his peers, and serious self-esteem issues can result. These unsettling feelings about self-image can sabotage a young person already confused by this gateway to adulthood. This is a time in a teen’s life when he/she should get out and be involved in peer activities – but fear of being “different” is strong. Parental support can be vital at a time like this. Even when teen’s appear to “not need” your help, playing a gentle supportive role can help a budding adult’s transition.

Giving a baby bath set as a gift

With so many baby products available on the market today, it’s easy to get lost when trying to decide which ones to purchase. Bath sets tend to be an ever popular product because every baby needs a bath.

With products like baby bath sets and others like it available on the market, it’s always nice to be able to know about some of more popular ones before deciding which products to purchase.

Baby Magic Bath Set with Baby Bath and Creamy Oil

This bath set includes products from Playtex, a delightful baby bath that is extra mild, along with a moisture sealing oil that is applied to the baby after bath time to keep the baby’s skin soft and smooth. The price is moderate, at about $10 depending on where you decide to purchase it.

Gerber Grins and Giggles Baby Bath Time Set

This set includes a lavender baby wash, meant to sooth the mind of baby and parents. A milk and honey lotion is great for after the bath, and even great for the adults! A sweet pea foaming baby wash is also included, with a special oatmeal lotion perfect for bedtime baths.

A comb and a soft bath sponge complete this set, offering everything you need for bath time with your baby. It’s all bundled in a reusable zip bag, makes this set convenient for trips too. This is a hot pick, and priced nicely at about $12.99 and you can find it online at Target.

Gerber Bare Basics Baby Bath Gift Set

This set is perfect as a gift, but great to keep as well! You’ll find that the storage tote offers everything you need for bath time all bundled in a convenient reusable package. The set includes a 2 wash cloths and a toy, 2 different kinds of baby wash, baby lotion, baby shampoo and vapor bath for baths during a cold. You even get bath time music! At about $29.99, it’s a great baby bath set that will last quite awhile and keep baby smiling during bath time.

Compare Your Products

Never forget to compare your products before purchasing them. You’ll want to try and read reviews when possible, and make sure the product is exactly what you want. Once you’ve decided which products to purchase, be sure to comparison shop for price as many websites compete for your business and you can save a lot of money by visiting more than one website.

What is an fha mortgage loan

The Federal Housing Administration (FHA) is operated by the Department of Housing and Urban Development (HUD). The FHA has the responsibility of administering the government insured home loan programs. Like a VA loan, the FHA does not actually lend the money for the home to the borrower but instead insures the loan so that more lenders will be willing to take on the risks of granting the loan to a first time home buyer.

There are many different FHA home loan programs available. One of the most popular is the 203(b) home loan. This particular program is a fixed rate loan for owner-occupied homes and only requires a minimum of 3% down from the borrower. In addition, this particular loan program allows the use of 100% of the closing money to be a gift from a government agency, family member, or non-profit organization.

Overall, the benefits to using an FHA home loan are that the credit requirements for a first-time buyer are less than what might be needed for traditional type loans. In other words, a person or family with some minor credit problems in the past would find it easier to get a home loan through an FHA home loan program than if they tried to go it alone.

FHA home loans are assumable, which allows the buyer to take over a previous mortgage without the additional cost of obtaining a fresh, new loan. Another important factor is that the seller or lender must pay for part of the closing costs (called non-allowable costs) while the buyer's allowable costs can be infused, in part, into the loan.

Most, if not all, mortgages require monthly mortgage insurance but the monthly mortgage insurance premium for an FHA loan is less expensive than what is commonly found in traditional loans. An FHA loan also allows for a higher debt ratio than most traditional loans. Individuals and families who earn a lower income will find this an important factor when shopping for a home loan.

While there are many programs available through the FHA for the first-time buyer, there are also programs for those who have purchased homes in the past. There are also some refinance programs available.

Home shoppers should be aware, however, that the FHA will limit the loan size according to the area of the country in which you live or wish to purchase the home. You should visit the FHA website to learn what the cap is for your particular area, as well as to learn of any other restrictions that may apply to you.

The official website is also a great place to learn more about some of the other programs that are available. Some of the more commonly used programs include:

Standard fixed rate (FHA 203b)

Rehab Loan (FHA 203k)

Condominium Loans (FHA 234c)

FHA adjustable rate mortgage (FHA 251)

FHA Hybrid Adjustable Rate Loans

FHA 2-1 Buy Down

Energy Efficient Mortgage Programs

Reverse Mortgages for senior citizens

All of these FHA mortgage loan programs can help new or existing home owners to get good deals with lenders. They are certainly worth looking into.

Paid online surveys choosing the right market research agencies

Paid online survey programs are a very new concept to earn money by working from home, at the convenience of one’s own time, place and pace of working. This concept is the most ideal way of work for mothers who have been caught between taking care of kids and at the same time who don’t want to sacrifice their career. This is also suitable for working people who want to make an extra income and for students who have the necessity to earn while they learn.

First we should understand what does an online survey mean. To understand the concept let us look in to the following facts.

Nowadays, most of the companies invest a lot of money to find out what the consumers think about their products and services. So that, depending on their needs and wants of the consumers they can modify and make the products reach each and every household of the consumers. Just by advertising the companies only educate about their services and products, but how will they know the feedback about consumers? This valuable input is possible only through online surveys where the consumers directly give their feedback and preferences to the market research companies and in turn to the respective companies.

These facts make this concept work very well both among the companies and the consumers who give their valuable opinion on the products and services. Although it might seem like a very simple concept, yet, it is a very powerful tool, which helps in the decision-making. It is lucrative for an ordinary person because the one who gives his or her valuable opinion gets paid for the feedback. It is fun to work on the Internet and also a great way to earn extra income in their spare time.

Getting started to take online surveys is very easy, as you need to enroll with an online survey company who will give you surveys depending on the data provided by you during the time of enrollment. Marketing research companies will get your opinion on various aspects while consolidating the information and providing the relevant information to their clients (companies). These surveys are targeted to either to improve the existing products and services to make it more suitable to the consumers or helps in launching a new product or service as needed by the consumer.

Most of the free paid online survey websites are free to join which either offer payment in cash directly or award points which can be redeemed after a cut off mark for cash or gifts. Once joined the market research companies provide the person with surveys, which will be notified through emails. It is advised to join as many paid survey sites as each and every survey site will provide a maximum of 4 -5 surveys a month. Sticking on to one survey website will limit the earning potential. Also, there are several fake market research agencies that have entered this arena, who demand a fee upfront for joining as a member but grossly fail to redeem money after completing the paid online surveys. So, utmost care needs to be taken to find the reputed online survey websites. Although, there are a number of online survey sites, which provide opportunities internationally, it has been found that the most benefited are the people hailing from USA and UK. Welcome all to the world of online paid surveys…

Types of data storage systems

Every computer and server stores data. That doesn’t make them data storage systems, however. Usually that term is reserved for the systems that store data for use in recreating files after some kind of computer disaster. These data storage systems can be onsite, nearby or at a remote location. There are varieties of models and media, allowing a system to be designed specifically to meet the needs of a particular company.

Models and Media

The different models of data storage systems are usually reserved for medium to large companies. Large, data-driven companies require dependable storage and a means to recreate files quickly. Whether the data is stored close by depends on the type of disaster that can be foreseen. A company based near earthquake country would be foolish to back up onsite computers with onsite servers. They would be better off to have their own servers at some distance or outsource their data storage systems needs.

For example, Wall Street companies keep mirror facilities out of state complete with desks, phones and data copies so that any damage caused by terror attacks will not close their businesses for more than a few hours. The models of data storage systems include full backup with incrementals. This is a backup of all the files which is kept stored in a safe place. The incrementals are copies of changes from the original backup taken at regular intervals. If the files need to be rebuilt, the full backup is copied back on the computer system and all of the incrementals are added.

Another model is the full backup with differentials, which is one of the better data storage systems. The full backup is compared to the current files, and only the differences are copied. Files are rebuilt using only the full backup and the most recent differential. Other data storage systems can stay connected to the computer network and record all activity. Media for data storage systems has always been ruled by magnetic tape. For bulk storage, the dependability, capacity and price can not be any better.

Modern hard discs are beginning to come close, however. Advantages of hard discs include ease of use and quick availability. For individual computers, optical discs like CD’s and DVD’s can be used in various data storage systems. Rather than a company-based backup, many corporations outsource their data storage systems. They can upload their files over a LAN or the Internet and recreate them the same way.

Beating debt with a stick

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Debt is a Product in America

The #1 sickness in America concerning finances right now is debt. Debt is a product in our culture and it is vigorously aimed at you and me everyday, everywhere. As a society, we borrow more money than the last two generations times two and your online credit report reflects these habits! Some companies like Sears make more profit from their credit department than from all the physical products they sell.

But It's the Norm Isn't It?

We are programmed from childhood to make automatic decisions regarding our personal spending habits thus negatively affecting our online credit report. A few 'real world' examples are listed below:
∙ leasing a car instead of paying for it in cash (unheard of right?)
∙ 90 days same as cash (NOT... really the same in more than 75% of the cases)
∙ rent-to-own (translation = paying 2, 3, 4 times the actual value of the product)
∙ 30 year vs. 15 year mortgages (an accepted lengthy and very costly way of purchasing a house)
What to do? Well, I hate to give the obvious answer here but how about saving money! Try saving money in a money market account for a couple years and then paying for a slightly used car in cash or with a 50 to 75% down payment. Wow, imagine having that extra money every month that most people dump into their lease or high rate loan. Try saving money for 3-6 months interest and risk free for that thing that you needed and you might find that you can get it cheaper with hundreds OR even that you want to use your hard-earned money for something more practical. Your credit report will thank you as well.

Penny Pinching is Boring!

Most people today think that to be frugal one must live out of a shack and only make purchases when they are on clearance (or if it's life or death). Well they're only half right. Have you heard the expression "It's the little things that count"? This holds very true when dealing with financial decisions. While large purchases definitely have great effect on one’s online credit report as well as their overall situation, it is often the everyday spending habits that accumulate and hold them back from attaining wealth of any sort. What many people fail to realize is that the majority of true millionaires in America (those with net worths exceeding 1 million dollars) got rich from thinking outside the box and not following the crowd. Try thinking a little more about how you handle your money and you might find that you know more than you think you do.

Summing Up the Debt Sickness Fiasco

A decision as simple as using a debit credit card instead of a credit card shows discipline. Report that paying with cash instead of credit shows that you have properly budgeted your money and it just feels better to own something the day you walk away with it. Your credit report will also reflect these positive actions. Since the average consumer has little control over their own spending habits, the credit report picks up the slack and in turn there are more negative items to show for it. Even statistics show that using cash when making purchases will greatly reduce spending thus causing you to think harder as a consumer before swiping that credit card. Get off to a good start by seeing what is on your online credit report. By removing negative items from your online credit report you can improve your credit rating.

To read more about how you can get your online credit report free with no obligations, see what is on your file and find out how to fix your credit report go to http://www. cleancreditonline. com

You can't spoil a child through love

You Can't Spoil a Child through Love

Though we all worry about spoiling our child, rest assured that you cannot spoil your child with love. Love doesn't spoil children. Love is imperative to a child's healthy development, and it's just not possible to love your child too much. They need caring adults to spend time with them, play with them, teach them, protect them, and enjoy life with them.

It's a parent's job to provide love, safety and encouragement. The process of growing up provides children with lots of challenges. Try to listen openly and understand their situation and communicate honestly with them when they have difficulties and letdowns in their life.

Set appropriate limits with your child and then adhere to them. Establishing limits with your child gives them a sense of safety and security. Sometimes parents do not set limits because they don't want to fight with their children. They don't want to cause bad feelings. They may beg a child to comply. Or they may make a rule and fail to enforce it. They may nag without ever enforcing the rules. None of these helps children. When your child fails to adhere or comply with the boundaries you've set for them, be firm yet kind in your response. This lets them know that you're serious about the rule but dedicated to helping and loving them. Bear in mind though that each child is different and what works for one child may not work for another. For example, one child may respond well to the direct approach of telling them a specific time to be home, where another child may need a gentle reminder that it's now time to come home.

Develop a firm but kind manner of making and enforcing your household's rules and expectations. There's no need to fear our children, and there should be no need to instill a sense of fear in our children in order to get them to comply.

Where to look for holiday home insurance deals

Wouldn’t it be nice to own your own holiday home, to be able to go and take a break whenever you want and in property of your own? The idea of owning a holiday home is a very popular one and more and more people are jumping onto the bandwagon and either having the luxury of owning their own holiday property or taking advantage of renting it out to others. However in order for the venture to get off to the best start you need excellent advice when it comes to the best holiday home insurance deals and mortgage offers.

While we all have the dream of owning our own holiday home, very few of us have the knowledge required when it comes to finding the best holiday home insurance deals and this is where you should consider going to a specialist broker. Brokers who specialise in holiday home insurance and mortgages can save you thousands of pounds - and a lot of worry - in the long run.

Holiday home insurance is different from the general insurance that is taken out on your home. Very often the property will be left empty and this makes it a prime target for burglars. The type of insurance that you need will depend on whether the property is solely for your own enjoyment or if you are going to be letting it as a holiday home to bring in an income. If it’s for a holiday let then the insurance has to be more extensive and cover a wider range of possibilities.

The best holiday home insurance deals can only be found by a specialist broker. If the holiday home is solely for yourself then factors such as the normal which include the shell and contents have to be covered of course. However other factors which should be taken into consideration are the outbuildings, any patio or garden furniture, garages and swimming pools.

If you are going to be letting the holiday home then you will need different types of insurance along with what are considered to be the normal. If the holiday home is a buy to let then you will be considered to be running a business and as such you will need to be covered as a landlord. This means that you will have to think about liability damage, this means that should a tenant get hurt due to neglect on or in the property you will be covered for any claim they might make against you.

You will also have to consider taking out cover against those who let you down with the rent and of course the property should be covered against natural disasters such as fire, flood and subsidence. A broker of course will be able to look around for you and get you the cheapest protection to suit your needs.

Web server hosting types

Web Server Hosting Types

There are different types of hosting services that you can choose from depending on what type of web development and web site that you want to host.

Dial-Up Access Hosting – This is the most basic access/hosting service and these providers also provides a web page for hosting your site. Dial-up access hosting was the first hosting available and is still around. Most ISP’s specialize in just internet access and it’s rare that you will see an ISP do both. These companies make their money off of providing access to the Internet.

Development Hosting - Web site developers are buying their own servers and offering independent hosting services for their clients. This is called development hosting in which they provide web development services along with a host server located at their place of business. The consumer gets charged for the development and the maintenance of the web-site.

Web-Hosting ISP’s. – These are companies that specialize in hosting business web sites. There is no dial up access needed and site owners access their pages via File Transfer Protocol (FTP). This is what the majority of small businesses use to put their site information on the internet. Other services are also included in the Web Hosting ISP package depending on their service plans.

These types of hosting plans are usually for corporations that need a lot of bandwidth to run their web applications. These companies run T1 access lines for big packets of internet data and have multiple connections to an internet backbone. They have fully staffed data processing facilities and the prices are substantial for using these types of services.

Corporate/Industrial Hosting - Companies like Hewlett Packard, Dell or IBM, run the server infrastructure for most of these host companies.

The SOHO business owner will usually need the Web-Hosting ISP services. It is the middle ground between the basic and advanced services.

Alabama mortgage what to expect when buying a home in alabama

Maybe you’re buying your first home in Alabama, or perhaps you’re relocating to Alabama from another state. Either way, it’s important that you educate yourself on Alabama home loans before shopping for a home and mortgage. This article explains what you’ll need to know before buying a home in Alabama:

The average price of a home in Alabama in October of 2005 was $147,678, and homes in Alabama appreciate at one-half of the rate of the average national home appreciation. The rate of job growth in Alabama is equal to the national average. However, income levels in many parts of Alabama are too low to purchase a median-priced home with a conventional loan.

Alabama is a non-community property state. This means that married persons do not have to include their spouse’s income and liabilities on their mortgage if they choose not too. Home buyers can simply leave their spouse’s name off of their application. Additionally, Alabama has a Fair Housing Act that prohibits housing providers from declining housing to anyone based on their race, color, religion, gender, or national origin.

If you’re buying a home in the state of Alabama, you qualify for both federal and state FHA and VA loans. First-time home buyers qualify for Alabama FHA loans with below-market interest rates, and, depending on their income, may also qualify for down payment assistance. Additionally, Alabama’s Step-Up program offers down-payment assistance to home buyers with moderate incomes.

Access Alabama is a state program that makes mortgages more affordable for both disabled residents and residents with a disabled person in their care. Through this program, Alabama residents with disabilities can get technical assistance with the home-buying process and assistance with down payment and closing costs.

Alabama also offers Mortgage Credit Certificates to first time home buyers. Mortgage Credit Certificates help first time home buyers manage the costs of purchasing their first home by reducing the amount of federal income tax that they’re required to pay.

What to do if you lack money management skills

The financial arena is full of places to accrue debts. Some like house loans and car loans are secured by tangible assets; others like credit card bills, small loans, medical expenses, and other miscellaneous debts are not. It is the smaller unsecure loans that are so easily obtained and ultimately that begin to close down upon the unsuspecting borrower and squeeze the air from them. First it’s a feeling of helplessness, then it becomes suffocation, an almost drowning effect that leaves the person feeling there is no other option available but to file bankruptcy.

Filing bankruptcy is never the perfect solution to solving debt management issues. Sure, it relieves the debtor from all the stresses associated with repaying the volumes of debt amassed, but it also leaves a distinct mark on future credit options. Debt management through a consolidation plan may offer a better solution. Debt consolidation when obtained through credit counseling services, can focus energies on creating a result-oriented plan of action for getting out of debt in the shortest amount of time possible. The results are measurable, and the long-term effects of the process are much less drastic on the credit history.

Is Debt Consolidation for you?

There are many debt counseling organizations currently available and working to help individuals recover from the devastating effects of financial mismanagement. These professionals can assist in consolidation and/or negotiation and they can help individuals regain some financial status within a short period of time.

Finding a debt counseling professional to help you has never been easier. There are literally hundreds if not thousands of qualified providers able and willing to assist you. Contact them, and ask what they have to offer. They will ask you to complete some forms identifying your current debts, your income, and other relevant information and then they will look at what particular components of their programs can help you the most. Take time to research the companies that offer the services you are considering. Don’t sign any participation contracts without reading all the paperwork very carefully and do ask around for referrals. This is a business agreement with someone who can realistically make or break your financial future. Take care to make sure you hire the best agent for the job.

After determining whether you are qualified to participate in their various debt management programs, the credit counselor will calculate a feasible budget for you that places monies aside to make your debt settlement payments pursuant to the plan created specifically for your situation. A plan and program like this is nothing short of a life saver if getting out from underneath too much consumer debt is really your goal.

Once you have the current debt problems under control, be sure to enroll in a money management education program to assist you in recognizing the spending habits and issues that led to the debt laden issues in the first place. Debt management is a skill most people are born with, it is a learned behavior. In particular managing credit card debt is an area most individuals are extremely poor at handling. Most debt counseling programs offer programs to help you clear your debts, restore your credit worthiness, and avoid filing bankruptcy. They help you find the light at the end of your short term debt tunnel and they can help create financial goals, budgets and other tools that will keep you debt free for years to come. By identifying behaviors that lead to overspending, they prepare you to deal with future decisions and make sounder choices when it comes to financial planning.

Custom embroidery hats protection and fashion rolled into one

Hats have been around for centuries. They were originally used to protect the head from the heat of the sun, but over the years, hats have been worn for so many different purposes. Men and women alike have used them as fashion accessories and even as status symbols in some parts of the world.

Today, hats are becoming popular once again, especially since people are more aware of the dangers that excessive sun exposure can bring to their health. But instead of wearing plain, boring hats, people are opting to protect themselves with style by wearing custom embroidery hats that reflect their own personal taste. With these custom embroidery hats, they can shield their heads from the sun while standing out from the crowd at the same time.

Many stores today sell a wide variety of custom embroidery hats, but if you are an artistically inclined individual, you may also choose to embroider your own hats. Just buy a plain hat and add your own embroidery designs to it. You can also breathe new life to your old hats just by adding a few decorative stitches to them.

Custom embroidery hats have also become very popular in sports especially in baseball. In almost every corner of the United States, you would see baseball fans proudly sporting custom embroidery hats or caps with the logo of their favorite major league team.

With the advent of embroidery machines that can mass produce custom embroidery hats, many companies have taken to attaching their logos onto caps. They have realized that this is a very effective and inexpensive way of advertising their company to the general public.

Using custom embroidery hats as a marketing strategy started with food chains and pizza parlors. But today, many different kinds of companies in different industries have their own custom embroidery hats.

If you have a business and are planning to promote your product or service by creating custom embroidery hats for your employees, all you have to do is go online and you will see hundreds of websites that can help you out. There are several companies out there that specialize in custom embroidery hats.

The prices for custom embroidery hats are very reasonable, but you would usually save more if you order in bulk. The exact cost would also depend on how complicated your logo is. Some companies would offer you more discounts if you choose to buy the blank hats from them, but that is not always the case.

The best thing to do is to visit several companies that make custom embroidery hats and compare their prices before placing an order.

There are five easy embroidery stitches that are started with. These stitches are known as the cross stitch, the back stitch, the 3/4 stitch, and the half stitch. the back stitch is used to create lines that go around something. The first step in completing this stitch is to find the center of the fabric and mark it. Place the fabric inside of the hoop and put it to the side. Seperate the DMC thread into six seperate threads that are about a foot to fourteen inches long. Do not put the two threads together. Insert them into the end of the needle and tie a knot to make sure that it is tight.

Using your home equity to secure a fast loan

If you own a home with equity, then you are a prime candidate for a fast loan. Those with equity can easily secure loans for large amounts of money, because lenders are assured that borrowers have the means to pay the loan back.

Not only does a home equity almost always guarantee the approval of a loan, but also it expedites the process. But aside from these things, there are other advantages to applying for a loan with home equity. Firstly, you may be able to deduct any interest accrued from it from your final tax returns. And secondly, any interest rates will likely be more modest than the rates of other borrowers without equity.

Many fast loan providers will accept your application online. They are dedicated to providing quick, simple and hassle-free service. And because applicants with home equity are such reliable borrowers, funds can be released the very day the loan is requested! Just be careful when exploring the web, as you want your sensitive information to be secure.

These lenders will not check for your credit history, so even if you’ve made some financial mistakes in the past, your home equity will be valuable enough to these lending institutions.

Moreover, those who apply for a loan with home equity will benefit from flexible interest rates and payment dates – and as mentioned before, interest rates can be tax deductible. Most people don’t know about this latter perk, so make sure to investigate the details so you can find out if you can benefit.

Conclusion

While a person with home equity can find easy success applying for a fast and convenient loan, there are still interest rates. Sure, they aren’t as cumbersome as they might be for people in other situations, but anyone borrowing money is at risk of entering into an ugly cycle of debt. And if you fail to pay off the loan, your entire home may be taken from you as payment.

Executive resumes 101

What makes an executive resume “executive”? Is it the format? Is it the content? Or is it the personal marketing strategy? Executive resumes are different in all these areas. Executive resumes are targeted toward a hiring agent that is seeking more than the typical job seeker’s qualifications. The executive behind the resume must meet specific leadership and visionary qualifications that surpass the regular achievement-based resume. Executive resumes must demonstrate success in leadership in past positions, plus outline success strategies that can or will be carried to the next employer. The document that is the executive resume brings all these finer points together into a highly crafted document.

The executive resumes we produce here at GetInterviews. com not only present a top-tier appearance at first glance, but also incorporate the personal branding and sales strategy that is necessary to achieve the executive interview. Our executive resumes communicate the leadership qualities of our clients and demonstrate the vision our clients have for the future – both their own and for their target employers.

Executive resumes must present a “big picture” overview of the executive client’s career path and how in each position, he or she has demonstrated the ability to take the reins and bring the organization into steady growth, new markets, expanded offerings, or new directions. These issues are quite different than the mid-level or entry-level resumes that concentrate primarily on skills and concrete accomplishments.

To produce an effective executive resume that will win interviews (guaranteed), we work with our clients to gain a close understanding of their management style, their goals, and what they feel are the selling points in their career. We then design a communication strategy to use in the resume that will persuade the hiring agent to contact the client for an interview. A resume not only must portray the executive’s professional experience but must also communicate a desire to succeed and an in-depth knowledge of industry.

While many job seekers feel comfortable writing their own resumes, the successful executive understands the value of investing in good marketing – and marketing is what the executive resume does! Most executives do not have the time or the inclination to attempt such a strategic business communication as an executive resume, and therefore “outsource” it to professional career marketing firms such as ours. A recent survey by a well-known executive placement firm found that 86% of executives who make more than $100,000 a year, engage professional career marketing firms such as GetInterviews. com to develop their resumes.

Are you ready to make that investment in your career success? If so, contact us today. We guarantee interviews within 30 days or we will rewrite your executive resume at no charge!

Legal forms for landlords in ohio

Legal forms for landlords in Ohio

Real estate properties are so valuable these days that most people are unable to sell even if they badly need money. And because these properties are so costly, many people are holding off from buying. There’s no wonder why rentals in Ohio are truly on the rise. Along with this, legal forms for landlords in Ohio are also becoming more and more in demand. Good thing, they are now widely available online.

Downloadable Legal Forms for Landlords in Ohio

Landlords in Ohio nowadays no longer need to pay for the assistance of an attorney or legal professional just to secure legal forms. There are many sites in the internet today that offer both paid and free downloadable legal forms that are designed specifically for the laws of the state of Ohio. Such websites offer not just legal forms but also legal information and resources for people who needs to make their own legal papers. So whether you are leasing a residential or a commercial unit, you can always download the landlord and tenant form you need.

Here’s a list of the lease forms that Ohio landlords may download from the web:

• Residential Landlord Tenant Legal Forms Package

Such package usually includes forms such as Lease Application, state specific lease, Pre and Post Inventory Checklist, Lead Paint Disclosure and many other forms necessary when leasing a residential property.

• Lease Forms for Residential Supplemental Package

If you are an Ohio landlord and you already have form for lease agreement, this package is for you. It contains all the forms included in the above package.

• Lease Application

Such form is filled-out by tenants for the landlord to evaluate. Disclosure forms and authorization for release of information are also included.

• Pre and Post Lease Inventory and Inspection Report

This form contains an inventory and condition of leased premises before and after the lease period.

• Period to Period Residential Leases

It is a residential lease form covering a specific term such as two years or six months. It contains many provisions and you can modify some of them according to the agreement between you and your tenant.

• Month to Month Residential Leases

This residential lease form covers month to month lease. It also includes provisions that you can modify depending on the terms you and your tenant agreed. You may use this form as a guide only and have it modified according to your needs.

• Forms for Lease Termination (Residential and Commercial)

Designed to be very State-specific, such forms include the number of days tenants should vacate the property, correct the default and other necessary provisions. Termination forms for residential properties are different from commercial ones so make sure you download the appropriate form.

• Forms for Lease Closing Statement

This is the document where the landlord notes down the tenant’s deposits and credits.

• Commercial Lease

This is used if you are leasing a commercial space in Ohio. This lease form is very detailed but can also be modified to cater your needs.

• Lead Paint Disclosure

This is required by tint Disclosure. This is required by the Federal Law for residential properties built prior to 1978. It is presented to the buyer in a sale transaction.

• Notice of Lease for Recording (Residential or Commercial)

This form is used if you want your house or commercial space listed to the official records. Through this, people will know that a parcel of a real estate property is being leased.

• Temporary Leases

This form is used when the seller allows the buyer to take possession of the property before the closing of the contract of sale.

With these downloadable forms, it would be way easy for tenants like you to get whatever you need when leasing a residential or a commercial property. However, you should be extra careful as these forms may contain only general format and content for a particular legal document.

Remember that the requirements to make those papers valid and enforceable vary from state to state. So make sure to download legal forms for landlords in Ohio

How to recognize the symptoms of acid reflux

Acid reflux (gastro-esophageal reflux disease) is a physiological condition that causes the content of the stomach to reflux into the esophagus and throat. Although there are many factors that contribute to the development of acid reflux, the main cause is inappropriate activity of the lower esophageal sphincter (muscular valve that seals the lower ending of the esophagus), allowing the stomach acids to reach the upper levels of the body. Additional causes of acid reflux are inappropriate diet, unhealthy lifestyle or other physical dysfunctions and conditions.

Acid reflux can become serious if it is not appropriately treated. The symptoms of acid reflux should be spotted quickly, in order to prevent the development of complications (esophageal inflammation and lesions, damage of the throat, gastro-intestinal disorders, breathing problems). The symptoms of acid reflux are easy to identify and it is best to see a physician as soon as they occur. The condition has a chronic character and usually requires ongoing treatment. For some patients, surgery is best alternative in overcoming acid reflux.

Acid reflux is very common in infants and young children. Although for most babies the symptoms of acid reflux disappear with time, in some cases the condition can persist for years, causing serious harm to the gastro-intestinal system and the esophagus. The most common symptoms of acid reflux in infants are: spitting, vomiting, coughing, irritability, discomfort when feeding and the presence of blood in feces. Other symptoms of acid reflux in babies occur if the condition is severe: pronounced difficulty swallowing, intense pain when feeding, spitting or coughing blood, vomiting blood, presence of blood in stools, problems with breathing.

Common symptoms of acid reflux in adults are: abdominal pain and discomfort (especially after meals), bad breath, bitter taste in the mouth, excessive secretion of saliva, and sleeping problems. People with acid reflux can also develop apnea, a sleeping disorder manifested through respiratory insufficiency.

The extended symptoms of acid reflux in adults are: difficulty swallowing, chest burn and aching, poor appetite, nausea, presence of blood in vomit and stools, throat inflammation and pain, breathing difficulties. If the symptoms of acid reflux become very intense it is a clear sign of aggravation. Acid reflux can cause serious damage at the level of the esophagus, due to its constant exposure to stomach gastric acid. Acid reflux can cause inflammation, swelling and even scarring of the esophageal soft tissue. It is very important to pay attention to the symptoms of acid reflux, and act quickly in overcoming the condition. If acid reflux occurs frequently, it can cause serious complications.

Layout myspace snowboarding

Creating a Layout for a Snowboard-themed Myspace Webpage

We have gone a long way in terms of developing things and activities which we can use and enjoy. Snowboarding and Myspace are two examples of such innovations.

Why would a snowboard enthusiast want to have a Myspace account? For those who are not that familiar with Myspace, it is a system that provides its subscribers with webpages which they can customize according to their specifications up to a certain extent. Al l the accounts are connected to a single worldwide network and it proves to be a great way to be able to find certain people and promote one’s works.

A snowboarder who would like to meet other snowboarders or other people who are snowboarding enthusiasts can use Myspace as an avenue to do so. Some people will also use the system to be able to promote their snowboarding products and services. Myspace is a very user-friendly system that connects people into a single network.

What does a normal Myspace webpage contain? It usually contains general information about the subscriber like his name, age, affiliations, occupations, etc. However, one ca n customize his Myspace account to be able to upload other things like animation, music or video.

So what are some of the important things that one should remember when setting up his snowboarding-themed Myspace webpage? Here are some suggestions:

-General appeal

The first thing that you need to be able to know when customizing your Myspace account layout is to determine the general appeal that you would like your website to have. Do you want it to be a website which has a powerful personal appeal or do you want to speak to your visitors in a professional tone? Knowing this will determine the other things that you would like to do in your layout.

-Background color

In determining the background color, you should always have the general theme of your website in mind. The colors should never clash against each other, rather, they should complement one another. A snowboarding-themed Myspace webpage should revolve around soothing colors such as white or blue.

-Text

The layout of Myspace accounts should maximize the readability of the text that is contained in the said account. It’s all about conveying a message to your visitors and the text should be emphasized. The background colors should not overpower the text color. Of course, substantive content is also important.

-Other elements

You can upload video or audio-visual presentations to your Myspace account by customizing the layout. You might want to consider uploading footages of some of your snowboarding escapades. It’s really a great tool to attract more visitors to your Myspace webpage.

Customizing the layout of a Myspace account can really be tricky. There are some free Myspace layout customizing services that are available in the Internet but they can use your account as a backlink to their own websites and this can complicate things.

There are free tutorials on how to use the html or what we would call the language of the internet to be able to modify the layout of a Myspace webpage. One can simply cut and paste some of the codes that are provided in the Internet to be able to customize the layout of the page.

However, if you find these things to be a little bit complicated, you can try to hire a professional to do the job for you. This can cost you a little money, but it saves you the hassle of going through all the nitty gritty details of customizing the webpage.

Bank identity theft

Avoid becoming another Hopeless Victim of Bank Identity Theft

Ever wonder how identity theft occurs? It is actually quite fascinating, if it is not a very malicious and dangerous crime.

Identity theft occurs once a thief assumes another person’s identity by using confidential information supposed to be known exclusively by that person. The thief will commit fraud using the person's name and important confidential information without the victim ever knowing about such transactions.

When the person or victim finally finds out about the crime committed, the thief is long gone in excruciating anonymity. They leave behind a ruined reputation, and a paper trail of ruined credit, debts and collectors.

Sometime the implications of identity theft usually cause the wrongful arrest of the victim. Why so? Because, without the identity theft angle in the case, it can be assumed that the victim was the one who committed the crimes because it was done under his/her name.

It is an alarming occurrence and usually, the victims would suffer the implications of the crime for years to come.

The past several years brought about an alarming wave of identity theft crimes in different areas dealing with personal information and economic transactions.

One of the hardest hit by identity theft crimes are the banks. Bank identity theft has been around long before there were credit card, social security, internet, job banks, airline and medical community identity thefts.

Bank identity theft occurrences vary. Some cases involve a thief continuously withdrawing huge amounts of cash from a bank account of another person until there is none left. Another case may involve the identity thief assuming the name and other personal information of another person then files for a bank loan.

Armed with personal information of another person, an identity thief can obtain a driver's license. He/she can open new lines of credit and bank accounts even buy a car and get a mortgage. Bills and statements from these transactions are diverted to the thief's temporary address.

They then bilk the victim’s credit line for all it is worth in cash advances, loans and credit card debt without intent to pay. All these occur with the thief hidden in a shroud of anonymity.

Bank identity theft and other forms of identity theft is a nightmare for millions of people who have become victims of such crime. Indeed, the figures of those victimized have reached into millions already. Sadly, though state and federal laws and stricter bank transactions have been imposed, the number of victims continues to rise each year.

When the walls come crashing in, you are left holding the bag and the thief is long gone. Financial recovery from identity theft can take years.

In United States and Canada, many people have reported unauthorized persons taking out funds form their bank or financial accounts. There are even worst cases when the victims report of an identity thief who has totally taken over their identities. With it, the thief have run up huge debts and committed crimes all under the name of the victim.

There was a notorious case of identity theft wherein the criminal, a convicted felon incurred more than $100,000 of credit card debt. Aside from this, the felon also obtained a federal home loan, bought homes, motorcycles, and handguns using the victim's name.

With maniacal pride, he called his victim to taunt him. He declared that he could continue posing as the victim for as long as he wanted. During that time, identity theft was not yet a federal crime. Then, the thief filed for bankruptcy still using the victim’s name.

Very bitter was the fact that the criminal only served a brief sentence while the victim and his wife spent more than four years to restore their reputation and credit. They also spent more than $15,000 of their own money to win back their credit. The criminal did not even made restitution for all the danger he had caused.

The only positive thing that came out of this case and the others similar to this is when the Congress created a new federal offense against identity theft in 1998.

You can avoid being a victim of bank identity theft by identifying red flags that may indicate

Here are several red flags that indicate you may be a victim of identity theft:

1. There are bills for a credit card account you did not open.

2. There are notice charges, which you did not authorize on your credit card statement

3. No bills and credit card statements arrive on the days you expect them.

4. Unauthorized transfers or withdrawals on your bank statements show.

5. Notifications from collection agency about accounts you never opened.

6. Calls or notices from businesses about merchandise you did not buy.

7. Debts showing up on your credit reports that you did not file.

Mortgage life insurance shopping

You thought you were finished signing the papers, but suddenly you are handed an insurance application asking you to confirm you are healthy and offering to pay off your mortgage in the case of your death. And if you're like most people, you sign it and think nothing of the cost as the quote is a low weekly or monthly figure. For most people that's a mistake, as they don't realize that a personal mortgage life insurance policy can cost a lot less and offer you a lot more.

But What Does "Mortgage Life Insurance" Mean ?

Mortgage life insurance you purchase through your bank is a group policy between two parties - the bank and an insurance company. You, in any way, are not a party to this contract. That means that the benefits you get as a member of the group - like having your mortgage paid off if you die - end the moment you stop being a member of the group, i. e. you stop paying or if you move your mortgage.

A personal mortgage life insurance policy is yours regardless of which bank or lender your mortgage is with. Mortgage brokers offer mortgage life insurance to clients but often encourage them to look into getting personal insurance instead.

Why Personal Mortgage Life Insurance?

People who buy houses should be looking for quotes from independent insurance agents. With mortgage life insurance from a bank you're insuring a declining balance for the same premium. Private insurance isn't like that; it remains level

Buyers should have some coverage for all debt as first-time buyers, who tend to be younger, and with larger purchases, are significantly increasing their debt load. Should the unforeseen happen, their family may have no choice but to lose the home.

And there's more. While you may make extra payments to be pay off your mortgage early, your life insurance with your lender is fixed as we mentioned above.

And that's even before you take the control and flexibility available from personal insurance into account. The bank says is that it will pay off your mortgage if you die, but without a new mortgage, it won't lend your family any money.

The bank is the beneficiary, and even if the family might need the money for something else they aren't able to remortgage the home because they aren't the beneficiaries.

How Much Mortgage Life Insurance Do You Need?

Your first step should be to determine if you even need any more insurance than what you already have.

People need to see their insurance needs as a whole, rather than a bunch of problems; you don't want to end up with too much or too little.

You may also find that you want enough life insurance to cover other potential expenses in the case of your death. Mortgage Life Insurance through your life insurance company is really life insurance in an amount sufficient to cover your mortgage. In addition you can purchase more life coverage to include education and debt. And you can decide who will be your beneficiaries, which is not the case with bank mortgage life insurance.

Property rights and the eu

The European Community (also referred to as the European Economic Community) has as its task the establishment of a common market and the progressive approximation of the economic policies of Member States. The term common market has been defined as an area, which consists of two or more Member States that abolish tariffs and other trade barriers in their mutual trade, set-up a Common External Tariff with third non-EU countries and apply the principle of the free movement of the sources of production (goods, labor, capitals) within the territory of that area.

One of the fundamental principles of the European Union is the free movement of goods between Member States. Thus, Member States are prohibited from imposing any restriction on imports or exports might hinder the free movement unless EC Law allows it. The European Union's Institutions through their instruments and law regulations strive to develop a free commercial network that does not suffer from custom duties, quantitative restrictions, or other charges having equivalent effect on imports or exports.

While Member States impose these kinds of restrictions in order to protect their own interests, the Court of Justice, through its decisions, acts to ensure that EC Laws are applied. Free movement of goods means in practice that no regulations or restrictions take place on Member States' borders as Articles 25, 28 & 29 (ex Articles 12, 30 & 34) prohibit them. Specifically, while European Union Members try to impose restrictions of non-pecuniary or pecuniary nature on borders, the Court of Justice acts a "guard" by examining the legal basis and the purpose of the charge imposed.

Such restrictions or prohibitions shall not, however, constitute a means of arbitrary discrimination or a disguised restriction on trade between Member States. A Member State may have resource to Article 30 (ex Article 36) of the Treaty providing for the said exceptions to justify a measure having equivalent effect to quantitative restriction on imports or exports only if no other measure, less restrictive from the point of view of the free movement of goods, is capable of achieving the same objective.

Although the Treaty does not provide any exceptions, the Court has held in the past, that charges levied for tasks required by EC Law or charges for services rendered, do not breach Article 25 (ex Article 12). Regarding Articles 28 & 29 (ex Articles 30 & 36), the Court has introduced an exception called the Rule of Reason. It permits that restrictions can be imposed on goods as long as the Court of Justice allows them.

Concluding, the burden of proof that a measure is justified lies on the Member State's concern and on the Court of Justice's decision. In the case of industrial and commercial property rights litigation between private parties, the burden lies on the party seeking to oppose the importation or sale of the product concerned. Save measures relating to the protection of public policy or public morality, the adoption of other measures banning circulation of products and being able to jeopardize the free movement of goods lawfully marketed in another Member State, obliges the Member States concerned to exchange information with the Commission so that the latter to be enabled to manage such measures affecting the free movement of goods and settle satisfactorily for business and consumers any problems arising in connection with the internal market.

Flyer that says get me

Whether you are promoting an event, advertising a product or service, at one point you are might probably be tempted to advertise with the use of flyers.

Flyers are handy. You can mail it, leave it or hand it out. In addition it is the easiest to make and produce. It is also the most affordable marketing tool. Nonetheless, these features did not make it a lesser marketing tool.

How do you secure its effectiveness? Well, there are two points to consider - the artistic and the technical side.

First things first, let us tackle about the artistic side of it. The first step is to formulate a creative concept - a concept that will both catch the eye and the heart. You can use photographs to tell a story and sell your ads. Make sure that your concept is eye-catching that the moment an individual stare at it, he will surely grab it. Establish a center-attention. Choose the most important image or phrase to put emphasis to. You can play with the size, density, brightness and position in order to give it the right prominence. Bear in mind that you only have limited space. Moreover, use images that can say what the words can’t at the given circumstance.

Do not create false claims. Your selling point is to say the truth. That way, your company can yield trust and loyalty from the readers. Be enthusiastic, tickle their fancy in a positive light but do not overdo it by uttering statements of make-believe.

Organize your page. You can use boxes and borders. However, maintain the flyers simplicity. It need not be complicated to be catchy, right? Illustration need not amount to ornamentation. Simplicity is still preferred by many so stick with it.

Spend time on wordings. Proof-read it for several times. Also ask other people to read and proof-read your contents. It will be a waste of money to print an erroneous flyer. Thus, before printing the same, be sure that there are no flaws and errors.

Let us come to the technical side of flyers – the flyer printing. Be sure to get a reputable and skilled printer to secure quality printing results. Also, choose the right printing technique to complement your design.

Now, you are ready to create a flyer that shrieks “Get Me”. No need to offer it. For sure, your flyer can manage even without your initiative.

Students consolidate loans now to save thousands in interest

Going to college is about to get even more expensive.

At a time when rising tuition costs already weigh heavily on future college graduates and their families, Congress recently passed a Bill raising interest rates on student loans and cutting $13 billion from the federal student loan program. These higher rates promise to have a significant impact on the cost of repaying student loan debt for years to come.

The Bill impacts Stafford loans - popular because they require no credit check or test to qualify-and PLUS loans, available to parents of dependent undergraduate students, regardless of financial need.

Under the new legislation, the interest rate on new Stafford loans will jump to 6.8% from the current rate of 5.3%, while the rate on new PLUS loans will jump to 8.5% from the current rate of 6.1%. Both rates will be fixed.

The average cost of tuition, room and board has climbed at more than double the rate of inflation over the last eight years. Such hikes have also meant skyrocketing student loan debt, which rose more than 70% from $11,400 in 1997 to more than $20,000 in 2005.

The good news for recent grads or students who will graduate this spring is that they CAN still lock in a low fixed rate. But there's not much time. With rate hikes expected to take effect on July 1st of this year, loans must be consolidated by June 30, 2006.

"Time is absolutely of the essence-particularly for this year's graduates," said Frank Ballmann, student loan expert and an executive vice president at consolidation leader Educational Direct. "They'll need to act quickly after graduation to get the pre-July 1 rates, which would rise by over 1.5% on July 1 based on today's interest rates."

Ballmann offers the following tips for students and their parents:

• Students with $20,000 in student loan debt would pay an extra $300 in interest next year, based on the recent rise in interest rates, if they don't lock in the current loan consolidation rate.

• The interest rate for consolidation loans can be locked in at a fixed rate for as long as it takes you to repay your loan.

• Consolidation saves money and time-lowering monthly payments with a single fixed interest rate and simplifying the loan repayment process with one monthly payment.

• There are no fees or credit checks to consolidate student loans; it is free and is a right given to borrowers under the federal loan programs, authorized in the Higher Education Act.

Postmodernism and architecture

What is postmodernism? Are the postmodern characteristics still apparent in contemporary architectural design? According to scholars, "Postmodernism, by definition resists definition". If postmodernism is then difficult to be defined, on what principles can one judge if postmodernism in architecture is in still emerging? Postmodernism in its regional/vernacular forms reflects neighborhood culture. Some argue that postmodernism is a reaction to the forces of "creative destruction." But it can be a tool for those powers as well. The end of the assembly line, created by the instant flexibility of computer technology, means that in this post-Fordist world people can all have a unique, neighborhood specific thing, as well as having the same reference.

Evaluating and categorizing architects according to styles, periods, theoretical backgrounds, and philosophical ideas, from Itkinos and Brunelleschi, to Borromini and Le Corbusier, is a very challenging process that requires a deep understanding of the key elements that influence the architects' design. What appears though to be a constant value in this type of analysis, is that the evolution of architecture, from the period of the Greek civilization (Parthenon in Athens 447-433 BC), to the present day's Santiago Calatrava's projects, signifies that the architect's pursuit for the myriad idea of beauty is actually a leitmotif of his/her past influences.

Postmodernism is differentiated from other cultural forms by its emphasis on fragmentation which replaces the alienation of the subject that characterized modernism. Postmodernism is concerned with all surface, no substance. There is a loss of the center. Postmodernist works are often characterized by a lack of depth; a flatness. Individuals are no longer anomic, because there is nothing from which one can sever ties. The liberation from the anxiety which characterized anomie may also mean liberation from every other kind of feeling as well. This is not to say that the cultural products of the postmodern era are utterly devoid of feeling, but rather that such feelings are now free-floating and impersonal. Also distinctive of the late capitalist age is postmodernism's focus on commodification and the recycling of old images and commodities.

In architecture, postmodernism, in its regional or vernacular forms, reflects neighborhood culture. In this way, it can function as a tool in class struggle and can probably be used by any player in the struggle. Thus, postmodernism when examined as a resistive force is closely linked to the historic preservationists. In trying to maintain the collective memory of a place the postmodernist agenda can be used in a way that is antithetical to the forces. Public or private partnerships that wipe out neighborhoods can use the postmodern vocabulary in their new ventures. Neighborhoods can hope to have at best just a mere palimpsest of a memory of what they were in the past.

One day perhaps, neuroscience will explain why some infrastructures seem to reach far beyond their physicaldimensions. But one does not need to wait for that explanation in order to experience their postmodern orpost-postmodern effect. It turns out that bodies, buildings, streets and cities are still useful for certain things inthe global age of digital information. People are only beginning to uncover how they work.

0 apr credit cards true benefits

A 0% APR credit card is an opportunity for you to cash in on a good amount of savings across the board. If you are like many, you are realizing that this might be a great way to realize true benefits from a credit card without having to pay much for it. Yet, there is much more to know about these 0% APR credit cards. You should take the time necessary to find the right opportunities for your specific needs. In many cases, this is a great option, if used in the right manner.

What Is 0% APR?

When a company offers you a credit card at a 0% APR, they are basically allowing you to borrow funds for no interest. There are generally some fees that are associated with the credit offers, but in most cases, you will see that they are still quite an affordable option. In most cases, the APR that is offered to you will one of two types. Some credit cards will offer you a standard APR, or annual percentage rate that is the rate you will likely hold for the time that you hold the line of funds. Others will offer a lower introductory offer. Normally, a 0% interest credit card is offered for an introductory time period only.

Should You Use It?

If you have the choice between two offers of credit, one with a lower rate than the other, you may be tempted to just go with the lowest offer. Yet, there is more to it than just that. In fact, you need to consider what the interest rate will be after the introductory period is over. For example, if you have two offers, one lower in the six month introductory period than the other, you may be tempted to go with the lowest offer. Yet, in the long term, that line of credit may have a higher rate. Determine which offers the best overall ability for you to get what you need in the least expensive manner.

The Benefits Of 0%

Yet, even with that said, there are plenty of benefits of selecting a 0% APR credit card. For example, if you know that you will be paying off that line of credit quickly, within the introductory period, it is well worth making the switch. After all, there is not anything better than borrowing money for free. If you have a credit card currently that has a much higher interest rate, you can save yourself quite a few fees if you do a balance transfer to the 0% APR credit cards as well. Here, make sure that the rate applies to balance transfers before making the move.

In short, a 0% APR credit card is an opportunity for you to invest in paying less. To benefit from them, make sure to get all the facts and take the time necessary to compare them. To find these offers, simply check out the opportunities offered by the lenders. Most credit card companies do offer some form of introductory rate reduction offer including 0% interest credit cards.

Basics of buying art whether youre a pro or not

Basics Of Buying Art: Whether You’re A Pro Or Not

Buying and collecting art intelligently can be done by

anyone. That's right, anyone. You do not need to have

experience in collecting art, previous knowledge about

the art business, or even a degree in art history. The

truth is, all you’ll need is love for and appreciation

of fine art; plus a yearning to collect; lastly,

willingness to learn a some simple techniques that

would help you evaluate any kind of art work coming

from any period of history, whomever the artist is and

whatever his or her nationality is.

Anything Goes

Although you might read some specific suggestions and

recommendations describing specific works of art, you

should take note that there is really no right or

wrong kind of art and that there’s no right or wrong

method to collect or buy art.

Everyone has the freedom to collect whatever it is

that they feel like collecting and buy whatever pieces

they feel like buying. It doesn’t really matter

whenever and wherever you feel like purchasing art,

for whatever reason, and for how much you feel like

spending on the purchase. As a result, the following

tips are not for everyone, but are typically designed

for those who want to spend their money wisely on

worth it pieces.

If you happen to be one of those people, then here are

some tips on how you can be a better art collector.

Four Way Questions On Buying Art

If the time comes that you see a piece that you want,

whether it be a painting, sculpture or a print, there

are generally four questions that you should ask

yourself to start your decision making.

Who’s The Artist?

To answer this, you have 2 reliable sources: spoken

and written information. Spoken info usually comes

from the artist himself, gallery exhibiting the piece

or the dealer. It can also com from other collectors,

friends, family, and other people that are familiar

about the art or the artist being considered. On the

other hand, written info could come in a number of

forms like artist career resumes, gallery exhibit

catalogues, art reference books and exhibition

reviews. How Important Is It?

This could be answered by simply looking at as many

possible pieces done by the artist. Try to be familiar

with the range of the artists’ art and see where that

particular piece falls. You can start by asking the

seller to show you a number of pieces done by the

artist, whether original, in print, or in photographs.

Also try to see works from all periods of the artist’s

career; doing this can teach you a lot about the

artwork and the artist at hand.

Where Has It Been?

Third, it’s also important to know where that

particular piece of art has been. This is done by

accumulating all incidental information about the

piece. It’s similar to making a biography of the

piece, from its birth, which is the artists’

completion of it, up until the present day.

This can be helpful since good provenance and

documentation can increase an artwork’s desirability,

collectability, and market value. Having a good

provenance in the art world is analogous to having

good pedigree in the pet world. For example, if a

painting was exhibited at a notable and important art

show, then it is more collectible than a similar

painting that wasn't; just the same with awards and

prizes.

Is The Price Fair?

For this question, it doesn’t really matter what the

piece’s value may be in the future, since nobody can

really answer that. What you should want to know is

whether the piece is fairly priced today or not. This

is a very important question, because just like other

services or goods, art can sometimes come overpriced.

Saliva drug test 16

Whenever we think of drug tests, we commonly think of blood or urine samples. However, a saliva drug test is a useful tool that employers and organization leaders can use. These tests are crucial to ensure safety for staff and members of various organizations.

Basically, the saliva drug test is a tool designed to find certain substances. These substances may interfere with the individual’s ability to complete his job or operate machinery. Common elements include the following:

Cocaine and amphetamines are drugs commonly taken to energize the individual. The saliva drug test can detect these substances. A person who takes this type of substance may appear agitated and disoriented.

Opiates and cannabinoids are quite different but they still interfere with the individual’s ability to function normally. These substances can be found with a saliva test as well. The individual who takes these types of drugs may seem sleepy and a little out of sorts.

Phencyclidine is also known as PCP. This element can be found with a saliva drug test, too. This drug may cause hallucinations and the user may be disoriented for several hours after taking a small dose of this substance.

Any of these substances can wreak havoc on an individual’s ability to function safely in a normal environment. Considering the cost of healthcare and workman’s compensation, many employers choose to have their employees tested for drugs if there is an accident at work. This is a prudent choice.

Employees agree ahead of time that if there are any drugs found in their systems they will be ineligible for compensation. A saliva drug test may be the prime choice for employers who have this kind of policy. There are a few reasons that this type of drug testing is superior to other methods.

First and foremost, the saliva drug test is the least intrusive. The last thing an injured person wants to do is provide a urine sample or a blood sample at the physician’s office. The saliva drug test is quick, simple and painless.

The saliva drug test is also better at determining recent use of a substance. Blood and urine tests detect substances that may have been in the person’s system a few days ago. The saliva drug test is useful in determining direct use within a few minutes.

Drug testing whether it is random or specific to a certain event, is very common today. Choosing an approach that is reliable and unobtrusive is an excellent approach to dealing with this task. The saliva drug test is the ideal approach for many organizations.

Life coach objective

Life Coach Objective

The Requirements

There are a lot of academic institutions which offer courses, trainings, and seminars on how to become a life coach. Many of these contemporary schools of thought and practice are situated in UK and adjacent countries like Scotland, Denmark and other European countries. Including the United States of America, the thought of life coaching has easily spread and gained popularity in every corner of the world.

So what does it take to become a life coach? One may actually try and seek for courses offered in the internet and access institutions offering them. Some may even try and think that there are set authorities in determining what a life coach student may have, feel, undergo, and train for in order to become a licensed practitioner.

Fortunately, this social science is not considered to be the basis for self stature in relation to commerce and industry, or any other thing. Life coaching is more than that.

Being a life coach does not require anything obligated to academics. Training to become one is more of guidance from previous successful life coaches like Judge, Cowell, Whitworth, Kimsey-House, and other similar personalities. Requirement to become a possible life coach is just a sane, sound, and an open mind. Starting with the self in preparing to be a sponge eager to be filled with life’s experiences as if it was water, a potential and successful life coach is about to be molded.

The Objective

Sure it is easy to be a mentor, adviser, confidante, consultant, and a friend whose purpose is to help out someone in need of a certain thing. A life coach does all that as well. Now you may ask what differences set life coaches apart from mere consultants or advisers.

Objective. Life coaches have an objective to deal with in seeing to it that the one they are coaching would get to what goals are set prior to the coaching. In contrast to just confidantes who give support, life coaches are there to go along with the success of his pupil.

The life coach becomes more than just a teacher imparting words of wisdom and encouragement to his pupils. He becomes a pupil himself to know how things work with the people he is coaching. It is co-active coaching. The objective of the students become the objective of the coach himself as if he was the actual person needing coaching.

Training with the experts may have brought about all the knowledge and techniques to properly conduct life coaching, but there are still many instances wherein experiences in real life become the solidifying agent of all the dust we refer to as learnings in life. Our objective as a life coach begins with the self.

After we have set our personal objective to be a sponge ready to absorb water, we then start dealing with other people’s objectives and help them reach it through active participation. It may sound silly but as social people, we need to participate in other people’s affairs.

Fruit basket checklist are you in the know

How many of these mistakes are you making?

1)You buy items on impulse and nothing else.

2)You don't comparison shop before spending your hard earned money.

3)You like spend more money and get less than you really should.

Well, I was like you too until I discovered a little thing called the internet. The internet makes comparison shopping much easier than it was just 10 years ago. Finding that a product is similarly priced between vendors makes the decision process a lot easier. Fruit basket shopping is no different than any other type of shopping and the internet has revolutionized it as well.

Let's take a look at your fruit basket shopping checklist and help you get a feel for what you should be looking for when fruit basket shopping.

1) Delivery. This is one of the most important things to look for when shopping for a fruit basket. I'm gonna go out on a limb here and guess that you are buying a fruit basket for someone else as a gift instead of yourself. Not that many people buy fruit baskets and deliver them to themselves. Pay special attention to the delivery qualifications of the vendor you are looking at. In my opinion, FedEx is always the way to go. They get things delivered all over the world. A fruit basket delivered by FedEx can make quite an impression.

2) The quality of the fruit in the basket. Fruit varies in quality from the perfect to the rotten. So do fruit baskets. If you are buying a basket for the first time, make sure the merchant has a reputation for delivering quality goods. Look around the merchant's website for testimonials from happy customers who have used and liked merchant's services and goods before.

3) Get informed about the different types of fruit baskets. The first 2 points pale in comparison to getting in the know about the different types of fruit baskets. Some are great, some aren't. Learn all about them by doing some homework.

Market timing a danger to your financial success

Market timing are the two most dangerous words in investing - especially when practiced by novice traders.

Market timing is the strategy of attempting to predict future price movements through use of various fundamental and technical analysis tools - and when used to predict trending moves, ends in disaster, and losses.

Many investors feel that market timing is the same as trend following and the two go hand in hand, they don’t.

Trend Following and Market Timing

Trend Followers REACT to market movement and act on these moves when they occur.

Traders who believe in Market Timing think they can PREDICT turning points in advance and buy at a low or sell at a high.

This is impossible to do; no one can predict the market.

Market timing advocates “buy low and sell high” but this is not the way to make money from trend following.

The Real aim of Trend Following

To increase your chances of success in trend following you need to wait for confirmation of a move and for a trend to develop.

You are going to miss the start of the trend and not buy the bottom or sell the top, but this is hindsight.

By waiting for the confirmation for the trend to develop, the probability of the trend continuing and you getting a proportion of the profits are vastly increased.

The real way to make money don’t predict wait for confirmation!

The real way to make money is by “buying high and selling higher” and “selling low and buying lower” You will have far less losses this way and still make healthy profits than if you try to predict with market timing techniques.

Market timing is doomed to failure - as the market never does exactly what we expect, and no scientific law governs the market (despite what the followers of predictive theories such as Gann and Elliott wave might tell you).

We are only dealing with probabilities - not certainties.

Trading is an odds game and your entry and exit levels from the market need to reflect this.

This means trading only when the trend is underway and likely to continue.

Dealing with Volatility

When dealing with market timing many traders are attracted to it as they feel it controls risk.

One of the major problems for traders is when they enter a trend in motion and they get stopped out.

The most effective way of entering a trend is a breakout method, but very often the trade dips back stops out the trader and then goes back they way they thought, but there is a solution:

Enter the Trade with Options

Options give you staying power to ride out short-term pullbacks against you, but you need to know how to use them correctly and this means:

1. Buying in the money or close to the money options 2. Make sure you have plenty of time value on your side

This will increase your chances of success dramatically; give you staying power, limited risk and unlimited gains!

The best Method, Market and Vehicle for Trading

The best method to get in on a trend is a breakout method (read our other articles for more information on why) the best vehicle to control and manage risk on entry is options.

Finally, the best markets with the best trends to lock into for profit are:

The global FOREX markets, all the major currencies offer great long-term trends, many of which last for years.

These trends last so long that you can forget trying to predict with market timing and just take a proportion of the trend, which will still give you big profits over the longer term.

As you can see market timing is misunderstood and has nothing to do with making money from trend following and actually creates risk, rather than reducing it.

Treatment options for people with lung cancer

Several lung cancer treatments are currently available and the determination as to which one is prescribed depends on the lung cancer stage that has been diagnosed, the location of the cancer, and the patient’s health. The most common treatments for lung cancer include Surgery, Radiation, Chemotherapy, and Targeted Therapy.

Surgery

Surgery involves cutting away a cancerous tumor and a portion of the tissue that has surrounded the tumor. Sometimes the surgical treatment involves removal of the entire affected lung. Surgery is often effective, but recovery time can be long. Because the surgeon will have to cut through the rib cage to get to the lungs, there will be pain and bed rest for one to two months after the procedure.

In addition to traditional surgical methods, other types of surgical procedures can be used depending on the location of the tumor and also the patient’s physical condition. A craniotomy, which is basically surgery performed through a hole made to the skull can be prescribed to tumors located in the brain. For small tumors, a procedure whereby a video camera is inserted into a tiny incision helps the surgeon zero in on a tumor. Because the incision is small, pain is generally reduced.

Radiation

Radiation can either be used by itself or in conjunction with a surgical procedure. Radiation can be beamed directly at the cancerous tumor from the outside of the body using a laser, or radiation can be delivered directly to the tumor via a small pellet. When a patient’s overall state of health is poor, radiation is a better alternative than undergoing a surgical procedure. In cases where surgery has been performed, radiation might also be prescribed as a way to remove the cancerous cells that for whatever reason could not be surgically removed. Radiation to remove brain tumors can result in changing the brain’s functionality later on, but may be the only option.

Chemotherapy

Chemotherapy is actually a drug that works to remove cancer by way of the bloodstream. Chemotherapy drugs can be taken either orally or administered via an injection into a vein. Because the bloodstream can carry the drug throughout the body, Chemotherapy is often the preferred treatment when lung cancer has spread well beyond the lungs. One problem associated with chemotherapy is that it can also cause damage to healthy cells and the cells that produce blood that reside within the bone marrow. Low blood counts can lead to a number of different problems so Chemotherapy treatment must be closely monitored.

Targeted Therapy

Targeted Therapy is a relatively new treatment option that does show promise. Instead of focusing on destroying damaged cells (which can also damage healthy cells), these drugs instead are designed to interfere with a cancerous cell’s ability to grow. Right now, Targeted Therapy drugs are given to patients only after other treatment options have been attempted. And unfortunately, Targeted Therapy has not been effective for all patients.

Each lung cancer treatment option has benefits, risks and frequently, side effects. Deciding which option is best is something that only a doctor and patient can determine.

Sales management tools

Sales management, in most companies, is controlled by customer relationship management (CRM) software. There are a number of options available, including the market leaders, GoldMine® software and ACT!® software. Within these contact management software programs there are dedicated modules for sales management.

The customer relationship is what governs sales. A good relationship where the customer trusts and respects the company will mean repeat business and healthy sales. A poor relationship instills the opposite. By first cultivating a good customer relationship you can position yourself to fully implement the necessary sales management tools.

While a happy customer is essential to healthy sales, a happy and motivated mobile sales team is equally important in maximizing efficiency. Many wise words have been said in this respect. Quotes may not be what immediately spring to mind when we think of sales management tools, but if it helps to motivate and inspire, then they are useful tools indeed. A few of the best quotes in this respect are as follows:

* "The majority of men meet with failure because of their lack of persistence in creating new [sale management] plans to take the place of those which fail." - Napoleon Hill

* "Success in almost any field depends more on energy and drive than it does on intelligence." - Sloan Wilson

* "Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great." - Mark Twain

* "The roots of true achievement lie in the will to become the best that you can become." - Harold Taylor

* "Nothing can stop the man with the right mental attitude from achieving his goal; nothing on earth can help the man with the wrong mental attitude." - W. W. Ziege

The award-winning GoldMine® suite of CRM tools is a popular tool for managing sales. With the proper input from field operatives, which you can control to a high degree by setting rules, GoldMine® can help to make productivity increase by automating the marketing activity, and thereby streamlining sales.

The sales process starts with winning customers. Mobile sales people can enter their customer data remotely, and the GoldSync module of GoldMine® will synchronize the data across the network, regardless of individual dispersion. A sales manager can use this data to produce meaningful reports, which can highlight the best leads and prospects. These leads can be targeted in a marketing campaign to optimize the likelihood of increased sales.

The costs involved in acquiring new customers are considerably higher than that of getting repeat customer sales. Using the reporting facilities of GoldMine® or ACT!® to identify those who customers who bought your products or services previously, and targeting them with fresh promotional offers, makes good economic sense if it can lead to additional future sales. This approach generally has a high rate of success.

Sales management reports from GoldMine® or ACT!® can include details of your sales pipeline and your sales forecasts. You can see at a glance the projected close dates and the estimated value of any potential deals. The type of information you need, the tools if you will, to drive forward the sales management process is available when you need it through the sophisticated reporting facilities of a good CRM software tool.

Perhaps the best way to be convinced of the effectiveness of a CRM such as GoldMine® or ACT!® is simply to download GoldMine® or download ACT!® from their respective web sites. GoldMine® is produced by FRontRange, and ACT!® is produced by Sage Software.

Legitimate home business

There are several opportunities to start a home business, just look at the e-mails that are sent to you multiple times during the day asking you to join their business – how do you know which are legitimate and which are not?

In considering a home-based business determine whether-or-not you work well under the direction of someone else who has already established their business which you are entering in as a franchise. Unless you are starting something completely new, you will have to follow the guidelines that have already been set in place. The best way to determine if a business venture is legitimate and right for you is to do some research and footwork. Start asking around about the business, if you know someone who has joined a particular home-based business that you are interested in, talk to him or her about the positives and negatives. Do not go into the business venture with your eyes closed.

Look at the advantages and disadvantages of the business opportunities that come with everything when you need to start. This is a very personal decision based on what works best for your personality as much as it is a financial decision. If you choose to invest in a business or franchise that has an already established a workable concept, you are not starting from scratch or trying to invent something new for consumers. This type of business venture will often bring in earnings at a faster rate than starting from scratch, and you will often have support in the initial phases and throughout the lifetime of the business.

The potential disadvantages of joining a franchise is that out of ten corporations that offer to sell franchises and other business opportunities nine of them fail in the first five years of being in operation. So when you are looking into this type of business venture, take notice as to how long they have been in service. The other side of this is if you rule out all companies that have been in business for five years or less you could miss the opportunity of joining a business on the ground floor that has a great potential for profit.

After careful research and looking at the financial risks and benefits you have decided that a franchise is what you are interested in consider carefully the following questions:

* Is there a particular district you will have to work in?

* Do you like the product line?

* Does the business have an established business record?

* Is there a name brand that is associated with this opportunity

* Is training and support part of the business package or are you on your own once they receive your money?

Starting a home-based business is a serious matter and you do not want to enter into a venture without thoroughly checking it out first.