Credit repair charging orders in the county court

DEFINITION OF A CHARGING ORDER

Charging orders are filed at the courts by a creditor in order to secure a money judgement ordering the debtor to repay what he owes.

Whenever a charging order is filed, it automatically acts as a safeguard for the debt. That is to say, it becomes a “security” for the debt, much as a mortgage acts as a security for the house or the land.

Before a charging order can be issued, a hearing must take place in court. There are several ways to can prevent a charging order from coming into being.

In this report, you will find a description of country court procedures on charging orders, and the steps you can take when creditors file a petition to serve you with a charging order after suing you in High Court. This report will tell you what to do if you suspect a charging order has been filed against you and you are unsure of the next move you should make.

A CREDITOR CAN PETITION THE COURTS FOR A CHARGING ORDER WHEN…

There are two instances when a creditor can request the court to issue a charging order. One of these is when they already have a county court decision against the you, the debtor, where you are compelled by the court to pay the debt in what is known as a “forthwith” judgement. This means payment of the debt must be made in full straight away, or at a particular date set by the court.

Another case is when there is a previous judgement against you for payment of the debt in instalments, and you have defaulted on one or more of them.

However, if you are currently paying your debt in instalments as ordered by the court, and you have not missed a single one, the court cannot issue a charging order. This is based on the decision in the 1997 landmark case of Mercantile Credit Co Ltd versus Ellis involving debt payments and charging orders.

THE PROCEDURE FOR FILING A CHARGING ORDER APPLICATION

There are two stages in the filing of an application for a charging order:

FIRST STAGE: THE INTERIM CHARGING ORDER

Whenever a creditor applies for the issuance of a charging order against you, the court shall first establish that you partly own or have an interest in the property that is the subject of the charging order. After ascertaining this fact, the court shall release an interim charging order.

Please note that this is NOT the final charging order itself. The court can give this order, with a duplicate sent to you, even without a hearing. A date is then set for a full hearing after the interim order has been issued.

After approximately 21 days, the District Judge should be able to set the hearing to decide on the the issue of whether to make the interim charging order permanent or final. This hearing normally takes place within the private rooms of the District Judge.

Apart from this, the Land Registry will be furnished with a copy of the interim charging order against you. This will serve as a “caution” on your property preventing you from disposing of it prior to the hearing. The Land Registry will likewise inform you of this “caution” in writing.

SECOND STAGE: WHEN THE CHARGING ORDER BECOMES FINAL

At this point, a hearing is set before the District Judge, and the court is tasked to decide whether or not the interim charging order should be made final on the property in question. This is also known as the final charging order. Any objections you might have against the final charging order should be set in writing and sent to both the court and the creditor at least 7 days before the hearing.

The objection letter must be sent through registered mail and should state all of your reasons and present evidence of why a final charging order should not be issued against you and your property.

Sending a letter of objection to the creditor and the courts will allow your explanation to be taken into consideration during the hearing presided over by the District Judge. It is important that you attend the hearing, even if you have sent a written objection. It is even more important for you to be present if you have not submitted any written evidence at all.

The court has the discretion to withhold the charging order, which is why it is necessary for you to serve notice that you will be attending the hearing. If the hearing date is inconvenient for you, you must immediately inform the court so another date can be set. Absenting yourself from the hearing may have a negative impact on your case, as the court can rule in favour of the creditor by making the charging order final and irrevocable.

If the reason you cannot attend a hearing is because it has been filed in another court, you have every right to request that it be heard at a court within your area. There is a form required for this called the N244 application which, for a fee, allows you to fill out your reasons for the transfer, be it the travel time involved, the considerable distance, or the costs you are likely to incur for childcare.

HALTING A CHARGING ORDER IN ITS TRACKS

The court has the responsibility to decide whether or not to issue the charging order. Based on The Charging Orders Act of 1979, there are several considerations that the court has to look into before making its final decision. Among these conditions are:

1.) The “debtor's” personal situation

The court has to take into consideration that you may have other creditors whose rights may be prejudiced with the issuance of a charging order. This means the court will have to look into your personal circumstances - your other outstanding debts, your mortgage, any equity on your house, and if you have sole or joint ownership of your home – before making its decision.

Assuming you have quite a number of outstanding debts with several creditors, issuing a charging order in favour of one creditor will unduly prejudice the rights of the others. It may be a good idea to show evidence that you already have a payment schedule in place with your other creditors to forestall the charging order from being released.

It would be an advantage on your part to present a summary of your debts, including the amount of each, and whether some of the creditors have held out on interest charges.

In like manner, one of the requirements of the creditor in the filing of a charging order is to include a list of all the other creditors that he is aware you have.

Although creditors may be furnished a copy of the interim order to give them a chance to protest its issuance during the hearing, the court is not obligated to supply them with one. This means that your other creditors are unlikely to be aware of the interim order hearing. If you feel that one or more of them may be “unduly prejudiced” by the charging order, you may include this argument in your written objections, as well.

Loan security can also be used as an argument. Whether or not your creditor offered you a secured or an unsecured loan may have an impact on the rights of your other unsecured creditors if a charging order is issued.

You can also request the court for an instalment order to enable you to pay the debt in affordable monthly instalments. This is one other way the court can order as settlement of the debt. If you are employed, you can petition the court to have the payments taken directly from your salary, as long as your employment is not put at risk.

Examine the type of debt that you have and determine if it has been made under the Consumer Credit Act. This may be a factor you can use in filing an application for a Time Order, which can be more advantageous on your part compared to a charging order. The court may consider looking into this to amend your monthly payment schedule and stretch out the paying period.

Part of your argument may also include appealing for an administration order instead of a charging order. This is only applicable if the sum of your debts to all your creditors comes to less than Ј5,000.00

If bankruptcy is just around the corner, point out that your other creditors will be disadvantaged by a charging order which will secure debt payment for only one creditor.

Your mortgage can also be used as a condition to parry the creditor’s application for a charging order. This is particularly true if you have negative equity, that is to say, your home is worth less than your mortgage and would not satisfy the your debt to the creditor even if it is sold off or placed on auction.

On the other hand, if your debt is a paltry sum compared to the market value or equity of your home, you can use this argument to emphasize the unfairness of a charging order.

Call attention to the difficult family situation that may arise if your home is sold off to pay your debt. The debt may singularly be in your name, but your home is owned jointly by you and your partner, which means that the issuance of a charging order would prejudice your family’s rights, as well.

2.) Serious ailments or disability in the family

If there is anyone in your immediate family who is need of special medical care, or who is terminally ill, point out to the court that disposing of your home to pay off your creditor will prejudice the rights of these disadvantaged family members.

There may be a possibility that all the arguments you use will find no grounds and the court decides to issue a final charging order. You may still petition the court not to have your house sold off, as long as you satisfy the debt by paying monthly instalments. Should the court not take into account this request at the hearing, secure an application called N245 which will allow you to pay your debt in instalments.

SINGULAR DEBT, JOINTLY OWNED HOME

The situation in which you have a debt solely under your name while your home is owned jointly by you and another person, can also be used to your advantage. State this fact in your written argument and bring it forward during the hearing, as well. The co-owner of your home must also be furnished with a copy of the interim order to give them a chance to present their own objections during the hearing. Some of the considerations that may be looked into include:

1.) Determining who put down the deposit to purchase the home

2.) Identifying the person who pays the mortgage instalments

3.) Presence of minor children – you can petition the court to amend the conditions of the charging order to state that the home cannot be sold until the children have reached legal adult age.

To add ground to this argument, have your home’s co-owner submit their own written objections to the court at least 7 days before date of the hearing.

In the end, if the court does decide to issue a charging order, then it can only be enforced against your share of the property.

WHERE THERE IS A PREVIOUS INSTALMENT ORDER AND YOU ARE NOT IN DEFAULT

In a 1987 landmark case of Mercantile Credit Co Ltd vs. Ellis, it was decided that if a debtor pays his monthly instalments on time and does not miss a single one, the court should not issue a charging order. Charging orders should only be made if the debtor has already been ordered by the court to pay in monthly instalments or the whole amount in a “forthwith” judgement, but fails to do so. If you find yourself in the situation where you were already issued an instalment order and are up-to-date in making payments, remember to bring up this landmark case during the hearing.

SEPARATION OR DIVORCE

When you are in the middle of divorce proceedings, which may include division of the home or property, it will be a good idea to consult your solicitor for legal advice. Depending on which stage you are at in the divorce proceedings, you may be able to halt the issuance of a charging order.

INTEREST

A creditor may actually include extra interest for the debt provided he files his claim for a charging order with the county court. However, interest cannot be added for the following conditions:

1.) The debt has been secured under the Consumer Credit Act. Debts of this type include ordinary credit agreements and bank overdrafts.

2.) Debt comes to a total of only Ј5,000, even if not covered by the Consumer Credit Act.

If the two conditions stated above are not present and the debt is over Ј5,000, the court may set the interest based on the standard rate.

Interest may also be charged only after the county court’s final decision depending on the creditor’s arguments.

Hot chocolate 30

I am a meal on the go kind of person. I try to stay on a high protein, low sugar diet. To this end, I usually have a supply of protein shakes in the refrigerator for any time that I need a quick meal. Its getting cold outside and a cold meal sounds depressing. Cold mornings and cold breakfasts do not mix. I want something hot.

I thought that I was at a loss until the answer hit me. It was so simple that I felt like an idiot because I had not thought of it earlier. All I had to do was do a simple modification to my regular breakfast. So came to be the hot chocolate protein shake. Using the microwave, some whey protein, skim milk, and a little sugar-free chocolate syrup, I made a hot, healthy breakfast for those cold mornings. The hot chocolate protein shake tastes just like real thing and is a great way to treat yourself even when you are trying to eat healthy.

If you do not want cold cereal for breakfast or making oatmeal takes more time than you have, the hot chocolate protein shake is a great alternative. In many ways, the shake is very comforting. The warmth, smooth texture, and chocolate are all soothing and appreciated on a cold morning. You can take this breakfast to go and could even replace the milk with coffee if you want a breakfast with a buzz.

You can always skip the milk and use water if you wish. A great whey protein mix will break down well in most liquids and have a smooth texture. You can also use real hot chocolate mix if you wish. Using the skim milk and sugar-free chocolate syrup are ways to cut down on sugar, fat, and calories. If you are not dieting, you can go nuts with the hot chocolate protein shake and make it as sinful as you please. Either way, you are getting good protein which you help you stay fuller longer.

One of the best things about the hot chocolate protein shake is its affordability factor. You can buy enough whey protein to last you a month for about twenty bucks. A few gallons of milk and some chocolate syrup and you are good to go for weeks. You could eat a hot, healthy breakfast for a dollar a day. Where are you going to find a better deal than that?

Finding photo editing software

If you take a lot of pictures, or are getting ready for an event where you’ll want to have lots of quality photos to include in your family album (i. e. weddings, holiday get-togethers), you’ll want to know more about photo editing software that is both affordable and easy to use. Here are some software programs for editing photographs and graphics that you may want to check out.

Virieu has a free photo editing program that is easy to use, and is compatible with most computers. With the program, you can add captions to your pictures, ‘frame’ your portraits digitally, and make your photos into backgrounds for your screen or to send out in your email by using the fade and shade features that come along with the program. The programs will also show you how to darken or lighten certain sections of the picture, so that you can remove certain items from your photograph. You can try the editing software out for free during a 21-day trail, and then the service is $29.00.

www. reallusion. com also has a wide variety of editing equipment to try that will make any picture you take look professional and impressive. You can take advantage of the muscle-based facial enhancement feature, so that you can ‘fix’ the faces of the people you take pictures of to create a more flattering photograph.

Other products from the company include the Effect 3D Studio, a graphics editing and design program that allows you to make animated graphics no matter what your skill level is. You can also purchase CrazyTalk, a program that allows you to create animated talking characters for PowerPoint and DVD presentations. Most computers are equipped to download the programs (a Windows 98 or higher is usually acceptable), and you can try the products out before you purchase any of the programs.

In order for you to download, edit, and save your photos on your computer, you’ll need a digital camera to take your pictures with. Brands like Canon and Olympus have great digital cameras that are easy for you to use, and produce quality photos that you can save on your computer. You may also want to pick up a book or two with some more basic information on photo editing software, so that you’ll know which programs are easiest to use and most affordable. You can also find new and used photo editing programs, such as Instant Photo Editor on sites like www. amazon. com, with complete CD-ROM instructions on how to make sure you edit great photos every time you use the program.

Tips and techniques for colored pencil artists

Colored pencils have become a very popular medium for budding new artists. Beginner artists using this medium find it much easier to express their creativity; mainly because of the control and convenience colored pencils offer. Other mediums like oil paint for instance, appear to present much bigger challenges for new artists. Working with colored pencil is a great way to get your creative juices flowing.

Let's begin our exploration of the colored pencil medium by explaining some of the popular techniques many artists use.

Hatching: Hatching is basically the drawing of closely spaced parallel lines. You can vary the length, angle and spacing of the lines to produce different effects.

Cross-Hatching: First lay down strokes in a horizontal direction, and then overlap in a vertical direction, followed by a diagonal stroke.

Scumbling: Using a sharp pencil move in a circular motion with light pressure, and begin to overlap the circles as you move along. This technique requires a lot of time and patience but the final result is quite rewarding.

Burnishing: When you place many layers of color over another using a lot of pressure until the "tooth" of the paper is no longer able to hold pigment, resulting in a smooth surface. Do not apply too much pressure as you can break your pencil point or damage your paper. This technique works best when using a paper with a good amount of texture or "tooth".

Shading: Use the side of your pencil and use back and forth sweeping motions to cover the desired area. Vary the amount of pressure to create different effects.

Colored Pencil Tips

The type of paper that you choose for your colored pencil art depends on your style of drawing. Every artist is different so it really is best to experiment. Paper comes in a variety of textures, otherwise known as its "tooth". There are rough surfaces with a lot of texture as well as smooth surfaces with very little texture. Rougher textures are better for applying multiple layers; where as smooth surfaces are excellent for blending. You should purchase a few different types of papers to determine the type of surface you are most comfortable working with. Some good choices to consider for your colored pencil drawings are Rising Stonehenge, Canson Mi Tientes, and Strathmore.

When choosing your pencils, it's best not to go for cheap pencils, because you may be disappointed with the results. Cheaper pencils do not have as much pigment and therefore will not produce the brilliance in color you are after. Many artists find the Prismacolor Colored Pencils to be a great choice. Prismacolor pencils have a soft lead that goes on smooth. When built up in layers they produce an almost paint like appearance.

Wax bloom, a build up of wax on the surface of your paper, is something you will more than likely become aware of as you work with the colored pencil medium. The wax in your colored pencil can rise to the surface and form a white hazy buildup that can dull your finished piece. There are two approaches for dealing with wax bloom. One approach is to try and prevent it from happening in the first place. Spraying a workable fixative over the surface after you have finished your drawing may help. There is some concern however that fixatives may alter the colors in a drawing, so it's best to try this on a practice drawing first. The other method is to actually wait a week or so after you complete the drawing. If you see the wax buildup, grab some soft tissue or cotton balls, and rub the surface to remove the wax. Don't apply too much pressure as you can smear your drawing.

Keep a large soft brush handy for brushing away unwanted scraps from your drawings. Artists use a number of things for this purpose, from horsehair drafting brushes, to 2" household paint brushes.

Experiment with various types of erasers to see what type you are most comfortable with. Artists use a variety of tools for removing pigment or fixing mistakes. Kneaded erasers, plastic erasers, electric erasers, and even tape may work well for you.

For softening hard edges or blending, purchase some blending stumps or a colorless blender at your local art store.

Try and avoid electric sharpeners as they tend to eat away too much of the pencil. Many artists keep a piece of sandpaper handy and use that to sharpen the pencil point.

Never be afraid to try different things with your colored pencil art. Try various papers, pencils, etc.

Look for some local colored pencil workshops in your area. You will be amazed at the amount of great information and tips you will discover from your teacher and classmates.

Things to know about swimming pools

Things To Know About Swimming Pools

In the warmer areas of North America, swimming pools are very popular. They provide great fun and exercise, along with plenty of entertainment for your entire family. When you decide to buy a swimming pool, you’ll have two options to choose from - in ground pools or above ground pools. Both types are different, in appearance and what they have to offer you.

Above ground swimming pools are the most affordable, as the prices range from $500.00 - $7,000.00. Above ground pools are also easier to install, and even portable. Normally, you can have this type of pool installed and ready for use in a few hours. You can self install them if you wish, which will save you money. If you have the money to spare, you can always have a professional install it to ensure that everything is done correctly.

Pools that are in the ground cost a lot more. The prices for an in ground swimming pool can reach as high as $50,000.00, depending on the size of the pool, the design, and the materials that are used. The most expensive type of in ground pool is concrete, which is custom poured to virtually any shape you can imagine.

You can also get a heater to help control the temperature of the water in the pool. You can get a standard type of heater or solar heater. If you have a solar heater in mind, you should make sure that your pool has been placed in a location where it will receive a lot of sun. If you use a solar powered heater but don’t place your pool in the sun, it’ll prove to be a waste of money.

To protect yourself in the long run, you should always refer to the zoning laws for your area regarding a swimming pool or a deck. This way, you’ll know what the laws are regarding your swimming pool. Once you know what the laws and regulations are, you should always do anything you can to ensure that you meet the requirements and that your pool is within the guidelines.

Even though heat and hot summer days are the main reasons why most want a pool, there are other benefits as well. Swimming is one of the best exercises you can do for your body, so a pool will offer you a lot of health benefits. Keep in mind that unless you are using a heater to heat your pool, you’ll only be able to use it during the summer. If you choose to use a heater however, you can extend summer and get a lot more enjoyment from your swimming pool.

Once you have bought your pool and have everything going, it can cost you quite a bit to keep everything going. Pools need to be maintained, which can tend to be expensive. You can do this yourself or hire a professional, although either way will cost money. The equipment you’ll need and the chemicals are expensive, and you should know that up front before you make your purchase.

All in all, swimming pools are great for your property. Whether it’s an above ground swimming pool or in ground pool, your family will love it. You’ll have somewhere to go on hot days together, to relax and enjoy the cool water. Once you have a swimming pool you won’t have to use the local pool anymore - and you won’t have to deal with the crowds or long lines anymore.

PPPPP

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Golf galaxy

Golf Galaxy

Golf Galaxy, which opened its first store in 1997, quickly and easily differentiated itself from other golf retailers by becoming the world's first and only interactive golf store. By offering superstore selection and pricing with pro shop knowledge and service, Golf Galaxy became the “Everything for the Game” golf retailer.

Today, Golf Galaxy prides itself on its world-class selection of brand name golf equipment, golf apparel, golf accessories, and golf gifts for golfers of all ages and abilities. Premier merchandise brands include Callaway Golf, TaylorMade, Cobra, Cleveland, PING, Titleist, Ashworth, Greg Norman, Nike Golf, Adidas, and FootJoy. The retailer also sells pre-owned clubs and offers club trade-ins good toward any in-store purchase.

But it's more than merchandise that sets Golf Galaxy apart from other golf retailers. Golf Galaxy also offers a comprehensive array of golf services and interactive golf features. Some of these features include:

* on-staff PGA and LPGA professionals who offer lessons and computer video swing analysis and answer questions about equipment and club fitting;

* on-site certified club technicians who use hi-tech ball launch monitor technology to ensure a proper club fit and who re-grip, re-shaft or simply adjust existing club loft, lie and swing-weight to give customers custom-fitted brand name clubs;

* an electronic, state-of-the-art golf course simulator that allows players to test their skills on the world's most famous courses;

* an indoor driving bay that enables customers to test merchandise so as to make the best purchase possible;

* an on-site, full-sized bent-grass putting green featuring elaborate contours to create the pace and feel of a real golf course.

With 65 stores in 24 states, each averaging 17,000-square feet in size, Golf Galaxy is serving an ever growing golf market and is continuing to grow itself to meet the increasing demand. Recent statistics from the National Golf Foundation indicate there are currently an estimated 26.2 million golfers in the United States who spend approximately $24.3 billion on golf equipment and fees annually.

Golf Galaxy is an innovative, state-of-the-art interactive golf retailer. Designed to contain everything for the game, the stores boast comprehensive collections of golf equipment, apparel, accessories, and novelties for all ages and skill levels, as well as a host of interactive features.

Golf Galaxy also has an amazing website at www. golfgalaxy. com that offers visitors all sorts of information about the game of golf, golf equipment, and even online seminars. You can even order equipment online if there isn’t a Golf Galaxy store near you. For everything golf, be sure to check out Golf Galaxy.

Options trading basics

New to Options? Want to trade option? This is the first step for you.

You many know many wealthy individuals make lots of money using options and you can try too.

Stock and Bond trading strategies run the gamut from the simple 'buy and hold forever' to the most advanced use of technical analysis. Options trading has a similar spectrum.

Options are a contract conferring the right to buy (a call option) or sell (a put option) some underlying instrument, such as a stock or bond, at a predetermined price (the strike price) on or before a preset date (the expiration date).

So-called 'American' options can be exercised anytime before expiration, 'European' options are exercised on the expiration date. Though the history of the terms may lie in geography, the association has been lost over time. American-style options are written for stocks and bonds. The European are often written on indexes.

Options officially expire on the Saturday after the third Friday of the contract's expiration month. Few brokers are available to the average investor on Saturday and the US exchanges are closed, making the effective expiration day the prior Friday.

With some basic terminology and mechanics out of the way, on to some basic strategies.

There are one of two choices made when selling any option. Since all have a set expiration date, the holder can keep the option until maturity or sell before then. (We'll consider American-style only, and for simplicity focus on stocks.)

A great many investors do in fact hold until maturity and then exercise the option to trade the underlying asset. Assume the buyer purchased a call option at $2 on a stock with a strike price of $25. (Typically, options contracts are on 100 share lots.) To purchase the stock the total investment is:

($2 + $25) x 100 = $2700 (Ignoring commissions.)

This strategy makes sense provided the market price is anything above $27.

But suppose the investor speculates that the price has peaked prior to the end of the life of the option. If the price has risen above $27 but looks to be on the way down without recovering, selling now is preferred.

Now suppose the market price is below the strike price, but the option is soon to expire or the price is likely to continue downward. Under these circumstances, it may be wise to sell before the price goes even lower in order to curtail further loss. The investor can, at least, minimize the loss by using it to offset capital gains taxes.

The final basic alternative is to simply let the contract expire. Unlike futures, there's no obligation to buy or sell the asset - only the right to do so. Depending on the premium, strike price and current market price it may represent a smaller loss to just 'eat the premium'.

Observe that options carry the usual uncertainties associated with stocks: prices can rise or fall by unknown amounts over unpredictable time frames. But, added to that is the fact that options have - like bonds - an expiration date.

One consequence of that fact is: as time passes, the price of the option itself can change (the contracts are traded just like stocks or bonds). How much they change is influenced by both the price of the underlying stock and the amount of time left on the option.

Selling the option, not the underlying asset, is one way to offset that premium loss or even profit.

Student credit cards faq

Student credit cards can be a great way to start a student down the path of financial independence and becoming a responsible adult. Many parents of students decide to open up credit card accounts for their children or to add them to their own personal accounts. But, another great option is to help the young adult get his or her own personal student credit card.

Why Should I Get a Student Credit Card?

Since a student credit card is in the young adult's name, it helps to start building credit. The longer a person's credit history, the better his or her credit score. Therefore, the earlier a person can start building that credit history, the better. Conversely, college student with access to his or her parent's account can adversely affect the parent's credit rating if large debts are accumulated. So, not only do credit cards for college students help them build a credit history and learn financial responsibility, it also protects the parents.

Why do Credit Card Companies Offer Special Student Credit Cards?

Obtaining your first credit card can be difficult, particularly if you want to get a decent APR. Credit card companies realize the value of a college education and assume that a student with limited credit history is more likely to responsible with paying back credit card debt than a person who is not working toward a solid future. In addition, student credit cards are a great investment for credit card companies because many people tend to feel a sense of loyalty toward their first credit card. Therefore, credit card companies are hoping to establish a long term relationship with students by being their first card.

Do Student Credit Cards Have Benefits?

Besides the inherent benefits of teaching the student responsibility, many do have additional benefits. Some do have rewards programs and cash back programs. Yet others provide discounts in places that are meaningful to students, such as bookstores. Not all credit cards for college students have these benefits, however, so it is important to compare all of the cards closely before deciding which one you want.

What are the Different Kinds of Student Credit Cards?

When it comes to credit cards for college students, you have two main options: secured or unsecured. Secured credit cards for college students are ones that money is paid up front in order to use, which makes these cards more like debit cards. Many college students and their parents prefer this type of card because it is still in the student's name, it is reported to the credit bureaus, and the parents can provide the young adult with a regular "allowance." In addition, there is no chance of building up a terrible debt with a secured credit card because a line of credit is not extended.

Unsecured student credit cards are like traditional credit cards in that a line of credit is extended to the student. These cards offer more freedom because payments do not have to be made up front. They are also convenient for the college student if he or she requires loans to help get through school. On the other hand, these student credit cards need to be monitored closely to ensure the student does not get into a debt that is impossible to overcome.

Are There Any Differences Between Student Credit Cards and Traditional Cards?

Sometimes, a guardian needs to co-sign for a student credit card, which is not the case with traditional credit cards. In addition, student credit cards generally offer a lower credit limit than other cards. Often, these credit limits can be as low as just $500 or $1,00. Student credit cards also can have higher interest rates than traditional credit cards, though not necessarily higher than the APRs on other credit cards geared toward those with a limited credit history.

California franchise hollywood tan

Hollywood California Franchise Tan Stores: The Answer to Your Worry

Do you love the tan? Are you craving to have one? For sure, you can. People are very much engrossed with any activity which can result to a natural tan. Exposure to the sun is one of the biggest medium one could ever make use of in order to get a tan. But of course, you must take some things seriously.

How does tanning happen? The UVA rays from the sun are what make your skin tan. Yet, such rays can also cause damage to your skin. And the damage is indeed serious. The UVA rays go to penetrate into your skin as compared with the UVB rays. Now, the UVA rays make its way all through the epidermis and to the dermis—the location where all of the nerves and the blood vessels are situated. It is due to this case that the immune system of a person gets affected and therefore damaged so that it will be incapable of shunning away the possible diseases that may arise.

One of the most serious kinds of cancer of the skin is known as the melanoma. Melanoma can kill you if you do not utilize the best kind of treatment. If left ignored, such illness progresses quickly and therefore spreads out starting its point from the skin going to the rest of the body organs.

The United States has long held skin cancer as one of the major epidemics suffered by the people. On a yearly basis, there are more than a million cases of skin cancer which get detected among Americans.

With this regard, the case of melanoma is the most popular of all. What is worst is that cases of melanoma are now inflicting even the youngsters. Experts get to blame these incidents to the overuse of the sun lamps and tanning beds. These equipments have very high levels of the UVA rays. Indeed, vanity can also kill a person.

Who wants to stay outdoors under the extreme heat of the sun and suffer sunburns afterwards? You would not want it for sure. And certainly, you would not want to risk the occurrence of skin cancer! But then, do you want to live your life like that of the hermit? Would you prefer to be like a vampire who is afraid of the daylight sun?

You definitely want to enjoy living your life and yes you can do it! You can also enjoy a couple of activities such volleyball, swimming, hiking, biking, and the likes without the worries! Mind you, it is all about balancing your activities with the heat of the sun with which you get exposed to. If you prefer a tanned skin, you can also have it yet without having to let your skin suffer from the stress and dangers brought about by the harmful rays of the sun.

Hollywood California franchise tan stores are selling the less harmful tan products which are much convenient and easy to use. There are available lotions and sprays which you can buy from the Hollywood California franchise tan stores. You first have to be familiar with your skin type so that you will know whether or not a product will work well for you. If you prefer safety while being vain, you can always check out the branches of Hollywood California franchise tan stores near your place.

2008 top work at home programs

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Work from home programs are in great demand with the coming of another year. Some people are looking to replace their day job, while others are looking to simply make some extra money to pay bills. After the holidays it's no surprise as many people have been forced to use their credit cards to pay for gifts, trips and normal bills.

Some are looking to create additional income so they can buy back some time. Many have a great desire to spend more time with friends and family. I can say that it is very enjoyable to be able to work from the comfort of your home.

Well, you might be wondering what types of work at home programs you could do. Well if you have minimal typing skills, a computer and access to the Internet you can more than likely do the following programs:

1. Data Entry

2. Type At Home

3. Rebate Processing

4. Online Paid Surveys

5. Home Phone Jobs

6. Chat room support

There are also programs whereby you can save money on the things you already buy monthly, which leaves more money for other things. You can share these programs with others and be paid a small affiliate fee. You would be surprised how many different ways there are to free up or create more income monthly. You have to be willing to try. Some people are not willing to change their buying habits. For those people the programs listed from 1- 6 are probably a better fit.

Many people tend to do multiple programs. The reason is, they can create multiple income streams and focus on the types of programs they enjoy the most.

Whatever you reasons or goals are, you can find at home work that will meet your needs. It takes some time and research. I recommend either using a web site like mine, but not necessarily mine, that has done the research or be prepared to do it yourself. It must be done, as there are plenty of companies that will take your time and money giving you nothing in return.

Give yourself a chance; pick a good program, join and start working from the comfort of your home. Who knows you may be pleasantly surprised. I know I was and continue to be.

The time requirements for most work at home programs are very flexible and I found that you can normally do them at your own pace. The important thing to remember is that you will have to have the self-discipline to make sure you put in the work at home. Some people have to have a day job, but many do not. Please feel free to read both this article or one of my many others by visiting my link in the resource box below. I always enjoy getting emails pertaining to my articles or my site. Your feedback is important to me.

If you have a computer, printer, word processor and access to the Internet you more than likely have all the equipment necessary to work from home.

How to get ahead financially when you re the only parent

Facing financial problems when one is a single parent is a very common nightmare among millions. However there are ways to sort this out, and many resources through which one can get help. There could be credit card bills and other loans, and one may not be able to pay back.

You will first need to select a goal, which would suit your financial capacities, and whether you can sort them out. There are many service providers who will do the same, and you will benefit greatly from this.

The last thing you should do is panic, and discussing this will make it better for you. Once you do so, you will know the right steps to take, and this can be done with the help of financial advisors. Planning is the next important thing. When you are a single parent, you will have to make sure that your monthly expenses are always planned. Savings to a certain extent must also be considered. You have to be frugal to an extent as well, as you will have to plan each month within your limits.

One can also seek assistance with certain organizations, which will assist for free. They will be able to give you some help with your financial status and much more. You can also begin to network, and you might be able to source loans as well. Giving priority to certain things will help as well. You need to make a list of what needs attention first.

It could be mortgage or school fees. Whatever it is, only if you are planned, you will get anywhere. Having trustworthy people to advice you, will also make a difference. Keeping track of savings and expenses will also help, as one will know where to cut down on costs.

Keeping this in mind, one should plan the next month’s expenses. Loans should also be tracked, and anything unnecessary should be closed. Anything extravagant can be avoided and should be gotten only once in a while. Once you have everything planned, it will be easier for you to manage finances.

About sterling silver

Sterling silver is a material that can be used for a variety of purposes, fitting to use form almost any event, and comes in many different quality levels and prices range, some people like to use sterling silver beads to create their own unique jewelry.

The sterling silver is commonly referred to as pure silver but in reality it is silver alloy. You see pure silver as the name denotes is 99.9 percent pure silver and because of this it is often very soft for any type of application or use. Sterling silver on the other hand has 92.5 percent silver and the excess 7.5 percent is usually of another metal and very often it is in the form of copper.

There are various things that can be done with sterling silvers like for instance in producing fine tableware like utensils, knives, silver trays, forks, spoons, coffee sets and tea sets. But the most remarkable application of Sterling silver is in the creation of various jewelry pieces.

The beaded silver necklace is one jewelry piece that is very popular around the world and a favorite choice of shoppers almost anywhere. The sterling silver beads enhance the beauty of the necklace so even from a distance you would be captivated by it.

How to Take Care of Your Sterling Silver

Many people find that making your own jewelry is a creative way to get things done and save money at the same time. Many popular clothing and jewelry fashion lines started by someone who set out to make his own clothing or jewelry and because of success continued to make it as a business. Naturally there is a lot of fun making your own jewelry items and sometimes great pride in using them. You can make your own necklaces and bracelets out of sterling silver bead.

Sterling silver also tarnishes once it is exposed in the air. The metal part of the alloy is the one that cause the tarnishing since pure silver just like gold are resistant to oxidation. One way of testing whether a sterling silver is already tarnishing is to feel your thumb over it. If ever you see a dull stain then this implies a tarnishing sterling silver.

Sterling silvers are beautiful if they are shiny. Make use of cotton cloth to polish your sterling silvers. To maintain their shine regularly polished them. For sterling silvers that has been stored for so long you would need a polishing paste to make them shiny again.

Or you can try this simple tip. Get a tin foil and a dishpan. Cover the bottom of the dishpan with the tin foil. Pour hot water on the dishpan and add teaspoons of salt plus baking soda. Place your sterling silver pieces in the mixture that you make and be sure that your silver pieces are close to each other. Be sure also that they touching the foil. The tarnish is then transferred to the foil. Soak your sterling silver pieces for at least five minutes. Afterwards rinse and then dry.

Battling the irs

There was once a song about battling the law and losing. Fortunately, battling the IRS is possible and sometimes inevitable.

Battling the IRS

There comes a time when many Americans must take action against the IRS. The IRS can come down swiftly and without mercy against taxpayers for issues ranging from simple mistakes to genuine tax evasion. When such a situation occurs, usually in the form of an audit and followed by possible federal prosecution, it becomes necessary to stand up to the IRS. As many experts will tell you, knowing the right steps to take and doing things the right way can actually make battling the IRS prove to be a very valuable thing.

Every year, honest, tax-paying Americans worry that their income tax return will end up being audited by the IRS. In fact, the number of audits has increased quite significantly in recent years, lending its hand even further to the worry and stress. Audits can lead to major fees and even criminal prosecution. Needless to say, such a situation can become ugly very quickly.

However, many Americans don’t realize that they can fight the IRS. And, not only can they fight, but often times they can emerge with some sort of victory. In fact, recent studies have shown that over 41% of Americans who took their cases to the IRS’s appeals division won at least some degree of relief, while others had their penalties wiped out completely. Not only this, but countless numbers of other Americans have fought cases against the IRS in district courts and also emerged victorious.

What this means for the average American is that the IRS shouldn’t worry you too much. Obviously, an audit can be very scary and can occur at any time. However, as long as you did file your taxes in honesty, they are many venues you can look to for help. Just do some research, online or offline, and find a good tax lawyer to represent you. Whatever steps you take, do NOT talk to the IRS yourself. Your statements are evidence against you and you may inadvertently provide evidence the IRS has no right to obtain.

You will be surprised at your own chances of defeating the IRS and having your penalties reduced or even eliminated. Battling the IRS is something that can prove to be a very valuable tool for many Americans looking for tax relief.

Vending machine manufacturer the source of your vending machine

A vending machine manufacturer is the company that makes a specific type of vending machine. You will not come across manufacturers of several different types of vending machines, such as gumball machines and drink machines. This is why when you want to get started in the vending machine business, it is best to work through a vending machine distributor. The distributor purchases the machines you want from each vending machine manufacturer to offer you a selection of machines for your route.

Most people start out in the vending machine business start out with one or two gumball machines. This gives them an idea of whether or not they can survive in this type of business and the kind of money that they can make if they decide to expand. You will need to find a reputable vending machine manufacturer that makes coin-operated gumball machines. A gumball machine manufacturer usually has several different designs of machines for you to choose from.

Doing an online search is the easiest way to find a vending machine manufacturer with the type of machines that you want for your business. Usually a gumball machine manufacturer also has vending machines for selling all kinds of candy, small toys in bubbles and dried fruits and nuts. You can choose a gumball machine that dispenses one bubblegum, one candy or a handful of candies. You can also get these machines from which you can sell packages of candy.

The gumball machine manufacturer you choose can preset the vending machine to whatever price you want to charge for your product. When you purchase the machine from a vending machine manufacturer, you also get a warranty for a specified period of time so that if anything goes wrong, the repairs won’t cost you any money. Along with the purchase of a vending machine, the manufacturer will provide you with an instruction manual so that you know exactly how to refill the gumball machine and how to make any minor repairs on your own. The warranty is something that you do have to really look at when you are investing in vending machines.

Although it is best for you to deal with a distributor, you need to do your homework about the vending machine manufacturer to make sure that this company does make good machines. The distributor will also help you install the vending machines so you are not left completely out in the cold when you are trying to get your vending machine business off the ground. A vending machine manufacturer only makes the machines – it will not help you get the best locations. That is also an important step in having a successful business.

Tapestries for wall art

Usually large size looms have been used to weave tapestries on. Several types of threads have been used to make laces like gold, silk and silver threads weaving numerous pictures of subjects as well as those of the peasant scenes after Teniers, Biblical history, mythology, etc. Tapestries have been used as wall hangings yet unlike needlework, it was woven on a loom. It was also erected in proportions much larger than would mostly be used in hand-stitched embroidery; tapestry panels ranging from ten or twelve feet in height and twenty feet long are relatively standard. The chief medium was wool, but in special models silk was additionally used. In some of the finest works the use of gold and silver can be seen. The primary heart of tapestry weaving from the year 1500 has been Brussels. But the outputs during the years have greatly varied in quality. Biblical and Roman history, peasant, mythology and scenes subsequent to Teniers were some of the subjects.

A good number of seventeenth-and eighteenth-century works are let down by the truth that within the years a murky brownish image has faded their red dyes. Brussels tapestries normally own a mark with a shield with the letter 'B' on either side. At times weavers add their names or initials, in the work. There were two significant factories in France. Both the Gobelins and Beauvais were based in the second half of the seventeenth century. Although the former was a private worry with State support, the latter was a Royal factory and it was only in the late eighteenth century when one could buy any of its productions. Although both did work of the highest quality, Beauvais was mainly celebrated for a sequence of panels centered on the Fables of La Fontaine, and for several sets of settee covers and chairs. The former was also made at Gobelins, where about 1775 they made beautiful and exemplary sets of furniture covers and matching wall hangings.

Example of these types of decorative harmony is to be seen in a room produced by Robert Adam, remains at Osterley Park, near London. A set of furniture (shorn of its wall-hangings but even now intact Gobelins covers) made for Moor Park in Hertfordshire, is housed in the Museum of Art in Philadelphia. A couple of of these rich ensembles are intact even now, but a collection of tapestries that had been made for a store at Croome Park in Warwickshire has been sold off for a sum of Ј50,000, and is now seen in the New York, Metropolitan Museum of Art. Once more in France at Aubusson, tapestry panels, chair covers and also tapestry carpets were made.

Most of the output belongs to the nineteenth century, though the pattern of work is similar to an earlier era. Philip and Michael Wauters, supplying to global markets, they wove their tapestry in Antwerp. Works popularized by additional plants were copied here with achievement, these Flemish tapestries were also at times confused with the English productions they copied. Brussels was the center head of tapestry weaving.

Instant lan messaging software lan messenger

LAN Messenger, a instant LAN messaging software for home or office users, can be very useful for your work, One LAN instant messenger enables you to communicate with other users connected across the same LAN, allows you to chat with one or more users, or to send an alert message that will show as a small pop-up window on the users desktop. some Land messenger includes many features like auto-reply text, file transfers, multi-user chat, online status, alert messages to all users and more.

This article will help you find one land messenger for your business. These freeware or sharewares combine ease-of-use, power and flexibility.

Bopup Messenger, it is from blabsoft, this instant messenger enables you to communicate with other users connected across the same LAN. It is compatible with standard messengers like WinPopup and Net Send. It has extended message support, scans users and computers on a local network, and supports 10 languages. It includes an ignore list, file transfer, message logging, command line support and group support.

Softros LAN Messenger is another network messenger for your company office with support for file transfers, message broadcasting and encrypted conversations. It does not require a server or Internet connection and will automatically detect any clients that are currently connected to the network. Other features include group messages, message history log, sound notifications, away/busy status and more. Softros LAN Messenger is easy-to-use and can be used immediately without any further configuration.

Bopup Messenger, This instant messenger enables you to communicate with other users connected across the same LAN. It is compatible with standard messengers like WinPopup and Net Send. It has extended message support, scans users and computers on a local network, and supports 10 languages. It includes an ignore list, file transfer, message logging, command line support and group support.

PcMessenger is an easy to use instant messaging software for office communication. It does not require a server or an internet connection and is easy to install. Required. Net Framework 2.0 is included in Setup. Utilizes a small memory footprint; 3,000K. Includes features such as Group messaging, User defined Presets for fast response, Spell Check, Attachment option, capability to insert, cut and paste graphic images and much more.

All these software are easy to setup and does not require a dedicated server or Internet connection. The client is feature rich with chat, notification, conferencing, and file transfer. One business IM system designed for your local area network can help you more.

All about contact lenses

All About Contact Lenses

As most of us know, contact lenses are the best alternative to glasses. They are small, plastic shaped discs that are made to correct eyesight problems like nearsightedness, astigmatism, farsightedness, and other problems. Contact lenses are also used by those who have had cataract surgery, as they can help the eyes to heal a bit faster.

Contacts are used in the eye, where they will float above a sea of tears that rest in front of the cornea. You should always go to a doctor to be fitted, as the proper fitting and design is very important for safety, comfort, and the accurate vision. If you don’t get fitted for your contacts, you could very well get a pair of contacts that could damage your eyes.

There are several types of contact lenses available in two main types - hard contact lenses and soft contact lenses. The hard contact lenses include gas permeable and the conventional hard lenses. Soft contact lenses include daily wear, extended wear, and disposable wear. These are all great contacts, although you should check with your optician to see what he recommends.

If you are just starting to wear hard contact lenses or have thought about them in the past, you’ll need a 2 - 4 week break period, where you will gradually wear the contacts longer and longer with each passing day. Soft contacts on the other hand, will take less time to get used to, as most people who wear them can break them in a few days.

Contact lenses, as we all know, have many different uses. They are mainly used to correct vision, although they can also be used for those who have just had cataracts, especially if the natural lens around was removed. Contacts can also be used in the treatment of various eye diseases, and scars on the cornea that have been caused by infections or injury.

Contact lenses are a great choice for those who have active lifestyles, such as athletes. They won’t fall off like glasses when you run, nor do they hang off your face or fog up. They also offer you a full field of vision as well, which is great for sports. The lens and focus is the same as glass, meaning that you will get the same vision from contacts as you would with a pair of glasses.

A lot of people who have vision problems consider getting Lasik eye surgery to fix their vision problems so that they won’t have to wear glasses or contacts. On the flip side, there are several risks and problems associated with this procedure, besides the fact that it is very expensive. Contact lenses aren’t expensive, and they are a safe alternative to vision correction.

Keep in mind that contact lenses aren’t available without a prescription. Although you can get certain contacts without a prescription, they won’t correct your vision. To get contacts that correct your vision, you’ll need to visit an eye doctor and get fitted for them. Your doctor will tell you the health of your eyes, as well as the contacts you need to correct your vision.

For several years, contact lenses have been an ideal way to correct your vision. They are more popular than glasses, and they won’t limit what you can and can’t do. Contacts fit snugly in your eyes and they won’t make you feel out of place. You can wear them with any type of clothing you desire - as it is very hard to tell if someone is wearing them or not.

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Heart diseasein children

Heart Defects in Children

A Congenital heart is when a heart develops a problem from before birth. Often this is such things as a hole in the heart. These problems usually develop before anyone is aware that they exist. Heart defects can have a wide degree of severity. There are simple problems such as holes between the chambers of the heart to extreme malformations such as the complete absence of one or more chambers or valves within the heart.

Anyone can have a child with a congenital heart defect. Statistics have shown that out of one thousand births, eight babies will have some form of congenital heart disorder, most of which are mild. If some family members have already had a baby with a heart defect, the risk of having a baby born with a heart disease may well be higher.

This is something that most of the time cannot be predicted. The main reason defects occur is presumed to be genetic, only a few genes have been discovered that have been linked to the presence of heart defects. Rarely the ingestion of some drugs and the occurrence of some infections during pregnancy can cause defects.

Most heart defects in children are congenital. They are usually but not always diagnosed early in life. There are rare case where hear disease in children is not congenital. This type of heart disease is called acquired; examples include Kawasaki disease and rheumatic fever. Children also can be born with or develop heart rate problems such as slow, fast, or irregular heart beats, known as "arrhythmias".

Severe heart disease generally becomes evident during the first few months after birth. Some babies are blue or have very low blood pressure shortly after birth. Other defects

may cause breathing difficulties, feeding problems, or poor weight gain.

Guide to balance transfers

Are you tired of fighting high credit card fees? Why not lower your interest payments by transferring your balance to another card. Balance transfers are one the smartest and easiest ways to reduce credit card costs. Just be sure you understand the terms and conditions of the new card, so you can maximize your savings.

Before you run out and switch credit cards, consider whether you want to keep your current card. If you do, simply ask for a lower interest rate. Tell your credit card company you've found another card with a much lower rate and you'll have to transfer your balance if they can't cut you a deal. However, be prepared to do so if they refuse your request.

Why Use a Balance Transfer?

Balance transfers can provide card holders with a number of advantages. Transferring balances to a lower rate credit card can drastically reduce your interest rate and fees. Credit card companies charge varying interest rates on balance transfers and purchases. The most common rate is 0 percent for six through 12 months.

For example, the Chase Ultimate Rewards MasterCard and Citi Platinum Select MasterCard charge no interest for 12 months on balance transfers and purchases. The Discover Platinum Card and the Hess Visa from Chase drop the introductory rate after eight and six months, respectively.

Some cards link the introductory annual percentage rate (APR) to billing cycles. The GM Card and Fifth Third Bank Cash Rewards MasterCard, respectively, charge 0 percent APR for the first six and four cycles.

Transferring balances can also give you access to more perks. For example, you may be able to get a new card that has no annual fee, a longer payment grace period or cash back on purchases and other rewards. Some cards also offer car rental insurance, identity theft protection programs and money saving discounts.

How to Transfer Balances

Credit card companies commonly use low interest rate balance transfers to attract new customers. There are three main ways to transfer the balance on a card. One way is by simply filling out the paperwork provided by your new card issuer. Or you can contact the credit card company that you want to transfer a balance to and make arrangements for a balance transfer.

You can also shift balances by writing balance transfer or convenience checks. These simple checks look and act like regular checks. You simply write a check for the amount of the balance transfer and send it to the company you want to transfer a balance from. Some checks have an expiration deadline, so make sure you use them within the appropriate time frame. If you don't, you'll be charge the regular interest rate set for your card.

Regardless of which transfer method you use, you can only transfer as much as your credit limit on the card you are transferring allows.

Transaction Cost and Other Fees

Banks generally treat balance transfers like cash advances and have similar transaction fees. There's no fee for balances transferred in response to special offers. But for Citi Platinum Select and many other companies, the transaction fee for balance transfers is 3 percent of the amount of each balance transfer, with a $5 minimum and $50 maximum. Keep in mind that a small amount of funds may not be worth transferring because the transaction fee may outweigh your potential savings.

In addition to standard transaction costs, banks also charge special fees that can take you by surprise. Some of the most common special fees include:

Late fees - Some banks wait a few days before assessing a late fee, but many impose it the day after the payment was due. Companies either charge a flat fee, such as $10 or $15, or a percentage, such as 5 percent, of the minimum payment due. To avoid late fees, mail off your payment so it arrives in plenty of time before it's due. If you pay your bill at the bank's branch or ATM, find out how long it will take to process your payment. Sometimes payments made at a branch or ATM aren't credited for a few days.

Over-credit-limit fees - Most cards assess a fee if you charge more than your credit limit. These fees are charged each time you go over your limit, so you could be hit with several of them during the same billing period. Banks typically charge $10 or $15 for this fee or up to 5 percent of the amount you're over your limit. These fees are in addition to interest charges.

Lost card replacement fees? If your card has been lost or stolen more than once and you need a new one, some companies will charge you for a replacement. These fees are range from $5 to $10.

Making Payments

After you transfer balances, be sure to make all your payments in full and on time or you'll automatically be hit with higher fees. Generally, there's no grace period for repaying balance transfers, so interest will accumulate immediately. (No interest will actually accumulate if you have an introductory 0 percent APR.)

When making payments, it's important to understand that the payments you make will first be applied to balances with lower or promotional balances and then allocated toward higher APRs. That means you'll be paying down 0 percent balance transfers before you even touch the balance on regular purchases which can be charged at a rate of 9 to 18 percent. As a word of advice, consider using a different card for your regular purchases and pay off the balance each month. Keep your balance transfers restricted to a separate card.

After the Promotional Honeymoon Ends

You need to keep a close eye on the promotional period. As soon as it expires, normal interest rates will apply. The standard variable APR for Citi Platinum purchases (8.99 percent) will be applied to all remaining purchase and balance transfer amounts. Likewise, the standard variable APR for cash advances (19.99 percent) will be applied to all remaining cash advance amounts. If you default on Citi Platinum's card agreement, the company can immediately increase the APR on all balances including any promotional balances to a variable default rate of 28.99 percent.

Your post-introductory APR will depend on your credit history. If this interest rate is significantly higher than the rate on your old card and you have a remaining balance, you'll wind up losing money. Of course, you could always transfer your balance to a new card with a lower promotional rate. Just be careful not to entangle yourself in a vicious cycle that could backfire later

To Compare Credit Card

http://www. bestcreditrates. net

Homeowners insurance quotes

What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms?

Or is it the fact that your home probably makes up maybe the biggest part - of your total net worth?

Either way, you have to protect what you have, using homeowner's insurance.

Although there were reports a few years ago of higher prices and limited availability for homeowners insurance, the market has opened up again, according to J. Robert Hunter, insurance director for the Consumer Federation of America. Premiums are expected to rise by no more than the inflation rate this year, he said.

"The market remains a competitive one where homeowners' insurance shoppers can be selective," said Marshall McKnight, a spokesman for the state Department of Banking and Insurance.

Here are several ways to save on home insurance:

Shop around. While many homeowners believe that all insurance companies charge the same, that's an expensive mistake. Use a service such as ours to compare rate quotes from different companies if YOUR area. To get started, just use the form on the right.

"You can go from one company to another and pay twice as much," said Hunter.

And don't just call an agent and expect him to do the shopping for you, Hunter advised, because agents don't represent all companies and might not get you the best deal.

Insure for "replacement cost" rather than "actual cash value." After all, if your belongings are destroyed, do you want the insurance company to send you enough to buy a new couch - or do you want a $50 check for the actual value of your 11-year-old couch?

Make sure you are covered for at least 80 percent of the cost of replacing your home. If you're not, it could hurt you even if your home does not need to be completely replaced.

Let's say your home would cost $200,000 to replace and you're insured for only $100,000, half of the replacement cost. If you have a $10,000 loss, you would get only half of that amount, or $5,000.

Of course, knowing how much it would cost to replace your home is not always easy. For example, I know how much I paid for my home, and how much I could probably sell it for, but I don't have a clue how much it would cost to rebuild if it burned down.

The state Department of Banking and Insurance and the Insurance Council of New Jersey recommend that homeowners in this situation should consult their insurer, who will be able to estimate the cost of rebuilding based on the size and location of the home.

Think twice before calling your insurance company with small claims for minor home damage. There have been reports of homeowners facing much higher premiums after putting in only two claims. So if it's a loss you can handle, take care of it yourself.

And, in that vein, consider a higher deductible.

"If you're not going to file a small claim, it's no use paying a premium to be covered for an amount you wouldn't file for," Hunter said.

"Every dollar you give to an insurance company, on average you only get back 60 cents," Hunter said. The rest goes to the insurance company's profit and overhead. So if you can self-insure for smaller losses, you should.

About 20 years ago, Hunter raised |the deductibles on both his car and |home policies, and banked the money he saved on premiums in a special account. Over the years, he used that account to pay for about $2,000 to $3,000 in losses, mostly auto-related. He still has $4,000 - money that the insurance company |could have had.

"Nowadays, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25 percent," according to the Insurance Information Institute, an industry group.

Make sure your home insurance policy includes enough liability insurance, in case someone is injured on your property.

Consider buying your home and auto insurance policies from the same insurer. Some companies will take 5 to 15 percent off your premium if you buy two or more policies from them.

You can get discounts if you install smoke detectors, deadbolt locks or burglar alarms.

Keep your credit history clean. Insurance companies are increasingly checking credit reports to set their rates.

Improve your health through colon therapy

Are you a junk food freak or a die hard fan of soft drinks? Or do you prefer a diet rich in fat and red meat but low in fiber? Are you a workaholic who finds no time for sweating out? Or are you a person who has a family history of bad colon? If you happen to fall in any one of these categories, be cautious-- there is every possibility of your developing a colorectal cancer!

Well, it was not my intention to upset you or scare you. The objective of this article is to draw your attention to the truths of modern living where we ourselves are responsible for inviting such curses as colon cancer. Now that the holistic approach of modern medical science puts so much emphasis on maintaining a healthy colon, as a toxic colon is where most diseases originate, we are well aware of the value of a healthy lifestyle. But a simple and hygienic lifestyle is not all. Just like we take so much trouble in cleaning our outer body, the same way we have to go for a periodic cleansing and detoxification of the internal organs to keep our system free from toxin build up. And this is precisely what a colon therapy tries to accomplish.

You can rarely find a person who never in his or her life has taken the enema to relive himself from the bout of constipation. It helps to force out the bowels that are not coming out naturally for a prolonged period, say five to seven days. In these cases enema becomes helpful to clear the fecal matters clogged in the lower portion of colon. Colon therapy is basically similar to enema application, only works more thoroughly in flushing out the colon, or large intestine by cleansing a larger area that is nearly five feet in length. In the process the entire colon tract is cleared of the toxins, fecal wastes and bacteria that eventually clog the internal walls of colon.

Colon therapy is a simple procedure in which a disposable plastic tube is inserted through the rectum and through this tube a specific amount of purified water is gently fused into your colon. A machine or pump is used to supply the fluid into colon. An abdominal massage is also the part of the therapy, as it helps to dislodge the impacted feculent matters from the colon. After the flushing, the pump of the machine is reversed and the wastes are sucked back through the same tube through which water reached the colon. The therapy requires to be repeated for more than one sessions and each session lasts for up to sixty minutes.

Colon therapy brings you immense health benefits. In addition to improving the general health of the colon by detoxifying the organ, it also stimulates the growth of helpful bacteria residing in the colon. You get rid of the typical symptoms of colon dysfunctions like constipation, indigestion or fatigue through a colon therapy. Generally the people who have undergone this procedure are reported to feel more energetic and lighter. You also have every possibility of getting back the glow of your skin.

So make it a point to find out time for undergoing colon therapy at regular intervals, as suggested by your physician and live a life happier and healthier.

Does the atkins diet work 19

The people in America are becoming more obsessed with weight and dieting. We are also getting heavier than any other time in the nations history. There are diets, surgeries and supplements that are geared towards helping people lose weight, but most of them fail to get people to address the true issue of looking at how they need to change their lifestyle to keep the weight off.

My husband and I decided that we needed to address our weight. We were both carrying more weight than we needed to be. Friends of ours were on the low carbohydrates diet, and had lost weight quickly, but our question was does the atkins diet work in keeping the weight off. We decided that we would research this and other diets to see what we would be able to fit into our lives the easiest. We knew that the plan had to be easy to follow and flexible in order for us to stay on it. We knew that most diets would give you results if followed faithfully, yet we were concerned about what happens in the long term.

My husband had me look into low carb dieting to know does the atkins diet work and he was going to look into lower fat dieting. In a way asking the question does Atkins diet work seemed silly considering that the number of people that were following some form of it was growing on a national level. Restaurants and fast food chains were changing their menus to accommodate the number of people that were looking for foods that were lower in carbohydrates. Due to the number of people that are following the Atkins diet it was easy to find information on it.

After doing research on does the atkins diet work I found that the entire process is dedicated to changing your eating habits for a life time. The strict low carbohydrate intake is used to drop weight, but then a full regiment for adding some healthy carbs back into the diet is outlined in the books and other materials that are available. The goal is to add enough carbohydrates back into your daily routine to satisfy your hunger and cravings, without over doing to the point of gaining weight back. The consistent report that successful dieters gave was that they did not feel hungry while cutting back on the carbohydrates. Most people reported having increased energy as well. We have decided that we will try reducing the carbohydrates in our diet and also cut the amount of fat we take in. We are creating a hybrid system that we hope will give us results as well as change our eating habits for the rest of our lives.

How to deal with herpes rejection

He or She Just Aint That Into You.

If you have herpes and have the integrity to tell someone about it before you get sexually involved and they reject you because of it, it is one of the most devastating forms of rejection imaginable. Just as bad as being rejected because of your race, or physical disability or anything else not under your control, and just as ignorant and intolerable.

When the people I treat tell me their rejection stories I feel for them. Some are so shaken by it that they stop dating for years or ghettoize themselves to only dating others with herpes.

What I say to them is that "He or She was Just not that into You". No one who really wants a person, and I do mean want the person, the whole person and the package that comes with them, will reject them just because they have herpes. Who would want that kind of superficial love anyways?

Herpes is a great litmus test to let you know who really cares about you and desires you.

It reasonable for someone to want the risks and consequences explained to them. It's reasonable for someone not to be enthusiastic about you having herpes - who would be? But anyone who really loved or or though you were sexy before finding out about your herpes will still think so afterwards.

When you further explain to them that you are managing your herpes with herbal medicine or drug therapy and that you practice safer sex with a condom and an anti-viral gel there should be no reason for them not to want to sex you up right then and there.

What it all comes to is fear. Do not be afraid of being rejected because of having herpes.

Dear member of the Herpes Nation: Hold you head up high. Remember who you are. How special you are. How deserving you are of love and all it's fruits. Don't let anyone diss you or make you feel less than. Anyone who wants you must accept the whole package of your life. Don't settle for anything less than that.

If you've been rejected or made to feel less than. Remember that although you cannot control what happens to you in this life you can control how you choose to react to whatever happens. You are still a prize and whoever is fortunate enough to be in your life is blessed.

Christopher Scipio

Homeopath/Herbalist

Holistic Viral Specialist

The cost of solar energy

Solar energy is a natural source of energy that comes directly from the sun. When solar energy hits the earth it spreads over the earth's surface and provides warmth evenly. If you could capture the sun's rays into a particular area for a long period of time it would provide enough warmth for nighttime or on cloudy days. Learning where to find solar energy can help you to get started today. Solar energy does not cost anything because it comes from the sun. The source that you choose may cost some but in the long run it should be your only expense, unlike gas or oil heaters that you continue to pay for monthly in order to have power or gas heat in your home. Solar power can provide heating, cooling and ventilation.

If you want to make your own solar power to capture the energy for heating its easy to do if you can find a solar collector, which is anything that attracts the heat from the sun in a concentrated amount, such as glass or clear plastic. Getting into your car that has sat out in the hot sun all day long can be extremely hot and you have to roll down your windows to cool it off inside. That is because the glass has attracted the sun and the objects in your car, including your seats, have trapped the heat not allowing it to escape. When you roll your windows down you are allowing the heat to escape causing your car to cool down. The same thing is true about greenhouses. The glass or clear plastic can attract the sun and not allow it to escape causing the greenhouse to maintain the heat for the plants to grow effectively.

In order to heat your home using solar energy, you need to know the information on a passive and an active home. These two types of solar homes offer the homeowner options to choose from and your cost of heating may be down. Solar energy does not only heat your home but it also heats your water and if you use solar energy lights it can light your home at night.

Passive homes do not use any equipment to heat the home. Passive homes use windows that are made to allow the maximum amount of sunlight into your home. The sunlight is controlled by keeping the doors closed in the hottest part of the day not allowing any heat to escape. At night thick curtains may be used on these windows so that the warmth stays inside during the night. This allows the sun to naturally heat your home without any help.

Active homes do use equipment to help circulate the heat in the home. Some of the equipment that may be used includes pumps, blowers and an alternative heating source in case the sunlight was not enough during the daytime. In order to heat the home with sunlight these homes use special boxes on the outside that attract the sunrays to it. They are made from a dark colored metal to help attract the sun more. The water or air that is carried in the pipes and ductwork is heated by this glass box that has captured the sunlight. Then the heated water or air is then carried to the rest of the home.

In the long run, solar energy helps to heat the home naturally and without depending on a company to supply it for you. Solar energy can be found anywhere the sun is.

The fundamentals of tennis

THE FUNDAMENTALS OF TENNIS.

I trust this initial effort of mine in the world of letters will find a place among both novices and experts in the tennis world. I am striving to interest the student of the game by a somewhat prolonged discussion of match play, which I trust will shed a new light on the game.

May I turn to the novice at my opening and speak of certain matters which are second nature to the skilled player?

The best tennis equipment is not too good for the beginner who seeks really to succeed. It is a saving in the end, as good quality material so far outlasts poor.

Always dress in tennis clothes when engaging in tennis. The question of choosing a racquet is a much more serious matter. I do not advocate forcing a certain racquet upon any player. All the standard makes are excellent. It is in weight, balance, and size of handle that the real value of a racquet frame depends, while good stringing is, essential to obtain the best results.

After you have acquired your racquet, make a firm resolve to use good tennis balls, as a regular bounce is a great aid to advancement, while a "dead" ball is no practice at all.

If you really desire to succeed at the game and advance rapidly, I strongly urge you to see all the good tennis you can. Study the play of the leading players and strive to copy their strokes. Read all the tennis instruction books you can find. They are a great assistance.

More tennis can be learned off the court, in the study of theory, and in watching the best players in action, than can ever be learned in actual play. I do not mean miss opportunities to play. Far from it. Play whenever possible, but strive when playing to put in practice the theories you have read or the strokes you have watched.

Never be discouraged at slow progress. The trick over some stroke you have worked over for weeks unsuccessfully will suddenly come to you when least expected. Tennis players are the product of hard work. Very few are born geniuses at the game.

Tennis is a game that pays you dividends all your life. A tennis racquet is a letter of introduction in any town. The brotherhood of the game is universal, for none but a good sportsman can succeed in the game for any lengthy period. Tennis provides relaxation, excitement, exercise, and pure enjoyment to the man who is tied hard and fast to his business until late afternoon. Age is not a drawback. The tennis players of the world wrote a magnificent page in the history of the World War. No branch of sport sent more men to the colours from every country in the world than tennis, and these men returned with glory or paid the supreme sacrifice on the field of honour.

The following order of development produces the quickest and most lasting results:

1. Concentration on the game.

2. Keep the eye on the ball.

3. Foot-work and weight-control.

4. Strokes.

5. Court position.

6. Court generalship or match play.

7. Tennis psychology.

concentration.

--------------

Tennis is played primarily with the mind. The most perfect racquet technique in the world will not suffice if the directing mind is wandering. There are many causes of a wandering mind in a tennis match. The chief one is lack of interest in the game. No one should play tennis with an idea of real success unless he cares sufficiently about the game to be willing to do the drudgery necessary in learning the game correctly. Give it up at once unless you are willing to work. Conditions of play or the noises in the gallery often confuse and bewilder experienced match-players playing under new surroundings. Complete concentration on the matter in hand is the only cure for a wandering mind, and the sooner the lesson is learned the more rapid the improvement of the player.

The surest way to hold a match in mind is to play for every set, every game in the set, every point in the game and, finally, every shot in the point. A set is merely a conglomeration of made and missed shots, and the man who does not miss is the ultimate victor.

A morning smoothie to help you stop constipation

Chronic constipation can be hard to stop or elimination, since the colon have become weak. In most cases it will have to be retrained on how to have a bowel movement.

For those of you that have mild constipation, here is a morning smoothie that will help activate your colon. This smoothie is packed with nutrients that your body will use to regenerate your colon and body.

I have been making this smoothie for a few years. I make enough to drink right away and to put into my thermos to drink around 10am.

When I make this drink I just start putting things in the blender without measuring. You can do the same and make adjustments as you go.

* one peeled banana

* 4-5 strawberries or other type of berries, or fruits

* one tablespoon of lecithin granules

* one - two teaspoons of flax seed oil

* half and half almond milk and apple juice

In a coffee grinder, grind up around a teaspoon or less of the following:

* brown sesame seeds - are high in lecithin, vitamin C, E, and Calcium. They improve liver function and help in constipation

* sunflower seeds - are high protein, Calcium, and iron. They are one of the best natural foods which feeds the entire body.

* flax seeds - are high in fiber and provide bulk for your stools.

* almonds - use around 6-7 or more. They are high in Calcium, Phosphorus and have some B-vitamins. Only eat a few. They are high in calories.

After grinding the seeds, place them in the blender and blender everything for about 3-4 minutes. If you need a little sweetness, you can add a small amount of honey. I find this drink plenty sweet without any honey.

Sometimes I will add the powder of a few acidophilus capsules.

If I don't add the almonds, I just put all the tiny seed into the blender without grinding them up. The blender will break them up.

This is a powerful smoothie to give you morning power and to activate your colon to get moving.

Pub table sets attractive and functional in any family room

A well crafted pub table set can be just the thing you have been looking for to add a little more functionality to your family room. They are available in almost any style and finish that you can think of. If you require a more elegant and sophisticated style you can find one, or a simple design to compliment your existing dйcor. Regardless of you needs and style you can rest assured that you can and will find one that is all you want and need it to be.

When attempting to make the perfect selection for your home you may want to take into consideration the type of furniture and dйcor you already have going on in the room in which you will be putting you pub style table. When adding anything new to a room you would want it to perfectly accent you existing furniture. A great way to do this is to take some pictures with when you go shopping. This will help you in not only choosing the one that you like but one that will look nice where you want it. In making your decision I would suggest in taking some picture of you existing style and layout of furniture. This can be the perfect device to aid you in getting an appropriate size and style to go neatly into your room.

If your new elegant piece of furniture will be going into a high traffic location you may want to get something that can handle a little more abuse. This can also be true if you have small children living in the home or if they visit frequently. Something with defined corners can also pose a hazard in a smaller space. If your pub style table will be in a smaller space it may be a wise decision to get a round or oval top on your table.

Another good idea might be to do some comparison shopping. This is a great way to find out how well crafted a product is by a particular manufacturer and get some customer reviews. Going online to find out this information may well be the best and fastest way of getting the most up to date and accurate information. As well as finding possibly the best price for the exact piece of furniture that will perfectly suit your households needs.

After you have done your homework and have decided on the table that you will be bringing into your home you now have to decide on how you are going to purchase it. The two easiest ways to make this type of purchase would be either online or in your local store. Since you have done your research you know for the most part how much it will cost you to have an item of this size shipped to your door. Is it cheaper than the one in the furniture store? Are you in need of the pub table right away or can you wait the few days it will take to ship?

Getting a cheap used car

When it comes to getting a cheap used car there is no better place to start looking than online. The internet holds a huge amount of resources when it comes to anything and everything you should know about getting a good quality used car and which can make all the difference to you making a great choice or buying an old banger.

In order to make a good choice when it comes to getting a bargain you will of course have to do a little research before paying out your hard earned cash, of course you will first have to choose the make and model of the car and get a good idea of the average prices that are being asked for a second hand model.

Once you have decided this then you can make a start on your search, there are many choices when it comes to getting a cheap used car online. One of the first places you can start looking is by conducting a search using one of the popular search engines, this will lead you to many online auctions, used car dealer sites, car brokers, private ads and listings.

One of the best ways of getting a cheap used car is to buy from an online car auction, by going this way you can sometimes you can get a great bargain which is often far below the trade-in value. However this is only really suitable if you aren’t looking for a particular make and model, if you do have something in mind then it is still possible to get it but it might take several trips.

However one of the most popular choices for getting a cheap used car is by looking through the many websites that have listings by owners who want to sell them. This is an excellent way to purchase an exact model and make, if you have a particular model in mind then you simply type it into the search option and any matches are presented to you.

Whichever way you choose to go when it comes to getting a cheap used car you will have to bear some things in mind. Whichever car you choose to go for, you should do all you can to make sure that you know something about the car, for example the sound of the engine, what to look for in the bodywork and where to look for rust spots? If you are unsure then take someone with you who know about cars and has preferably had experience when it comes to getting a cheap used car.