Term Life Insurance Quotes
By: Peter Emerson
Term life insurance has allowed millions of Americans to secure the financial future for their dependents at affordable prices. As healthcare costs increase, getting an affordable term life insurance quote is now an absolute necessity. With thousands of products to choose from, it is often a daunting task to research for the one which will give you the best value for your money.
Internet based research seems to be the best solution before you decide to meet an insurance agent at an office. There are various online quote processing companies nowadays, who can give you a premium rate quote absolutely free of charge and with no obligations based on your personal requirements. These online intermediaries help do an extensive comparison shopping utilizing the latest technologies. This will facilitate the bench-marking process before you can make a conscientious decision for the term life insurance. Based on this information, you can have a knowledgeable discussion with your insurance agent to make your final choice. Companies offer one-year, five-year, 10 / 20 year polices along with adjustable policies to suit the customer’s priorities. This helps in getting insurance coverage within affordable expenditure levels.
Over the last couple of years, term life insurance has become a commodity due to tough competition among the companies. Moreover, online instantaneous comparison shopping has also transferred the market control to the buyer resulting in lower premiums and better services. If you are not interested in building cash value from your life insurance through investments, term life insurance seems to be the cheapest and the most intelligent decision for just pure life insurance.
Tuesday, August 5, 2008
Plan great future for your loved ones with life insurance
Plan great future for your loved ones with life insurance.
By: Todd Martin
Every human wants a secure future for himself and his entire family, this is possible by having any term life insurance, and according to the needs of the purchaser one can be selected. This kind of policy helps to protect your family by providing them with financial support when the person dies. If a person plans properly before purchasing a policy that is if he gathers all the information about it, then he will be able to benefit lots more than expected. It's always better that not only you but also the whole family has the knowledge about the policy you decided for your loved ones. They also have the right to know whom you have selected as the beneficiary and the intentions why you are purchasing a life insurance policy. In this way everything will be clear and help you to take decisions on any issue.
It is very essential to keep everything planned and organized in one place about the policy, as this will help you to get the entire information whenever you need it. This should include all the information about the finances and estates which will help your loved ones later on. In every discussion and decision you take about any policy, remember to include your family members also. Explain the whole thing about the policy to your loved ones or a trusted friend, so that he will be able to find the documents whenever it is needed. Always remember to make a short list about the documents you prepared and keep it in such a place which can be easily got. This will help your loved ones when there is a difficulty to find them, this can happen when some uncertain situation takes place.
If a person has any difficulty in finding and comparing the different life insurance policies available in the market, then one place which will make your work easy and quick is kanetix. A place which provides its purchaser with the entire information of what is available and at what cost it can be got. There are many policies available in the market, depending on the family needs one can select them. We can also find policies which are useful for people above 50; a person can get them from choicesinc.ca. To change a policy minimum of 5 years are required, this is really a good choice as it allows the policy holder to think what he wants exactly from his life insurance policy. Few policy do not provide this clause, a good clause helps you to change until you are seventy-five.
A person can have many benefits of term life insurance which are very exclusive and make purchasing the policy worthwhile. You can find many experts which will help you in advising on how best to go about getting any policy like whole life insurance. Always go for buying that policy which protects for family's future for the entire life.
By: Todd Martin
Every human wants a secure future for himself and his entire family, this is possible by having any term life insurance, and according to the needs of the purchaser one can be selected. This kind of policy helps to protect your family by providing them with financial support when the person dies. If a person plans properly before purchasing a policy that is if he gathers all the information about it, then he will be able to benefit lots more than expected. It's always better that not only you but also the whole family has the knowledge about the policy you decided for your loved ones. They also have the right to know whom you have selected as the beneficiary and the intentions why you are purchasing a life insurance policy. In this way everything will be clear and help you to take decisions on any issue.
It is very essential to keep everything planned and organized in one place about the policy, as this will help you to get the entire information whenever you need it. This should include all the information about the finances and estates which will help your loved ones later on. In every discussion and decision you take about any policy, remember to include your family members also. Explain the whole thing about the policy to your loved ones or a trusted friend, so that he will be able to find the documents whenever it is needed. Always remember to make a short list about the documents you prepared and keep it in such a place which can be easily got. This will help your loved ones when there is a difficulty to find them, this can happen when some uncertain situation takes place.
If a person has any difficulty in finding and comparing the different life insurance policies available in the market, then one place which will make your work easy and quick is kanetix. A place which provides its purchaser with the entire information of what is available and at what cost it can be got. There are many policies available in the market, depending on the family needs one can select them. We can also find policies which are useful for people above 50; a person can get them from choicesinc.ca. To change a policy minimum of 5 years are required, this is really a good choice as it allows the policy holder to think what he wants exactly from his life insurance policy. Few policy do not provide this clause, a good clause helps you to change until you are seventy-five.
A person can have many benefits of term life insurance which are very exclusive and make purchasing the policy worthwhile. You can find many experts which will help you in advising on how best to go about getting any policy like whole life insurance. Always go for buying that policy which protects for family's future for the entire life.
Benefits of Term Life Insurance policy
Benefits of Term Life Insurance policy.
By: Todd Martin
We can find end number of people who just have no idea about life insurance policies. Why a person purchases a life insurance policy? What is a life insurance policy? What are its benefits? These are a few questions which are there in a person's mind. With the information given below you will be able to understand the importance of a life insurance policy. Many people have no knowledge about these policies; the foremost thing to know is what exactly these policies are called. They are term life insurance, whole life insurance, variable life insurance, universal life insurance, variable universal life insurance policies, etc.
Term insurance reduces the stress for the loved ones that are left behind as if they already did not have enough to deal with. It will help in paying the funeral costs and provide a lot of help for both you and your dear ones. The cost of living is high that it takes two to earn and pay off the bills to have a comfortable living once the bread owner of the home is gone. Term insurance is one sure and safe policy that will take care of all the finances in case of accidental deaths. Term insurance can ensure you have a safe and secure family life in case of unexpected turn of events.
Term life insurance has certain benefits which you won't get with other life insurance policies. First of all this policy is the cheapest among all the insurance policies available. Unlike other policies, this policy also gives you the benefits of being economical incase you have a new member added in your family. This policy is flexible and you can decide the policy the way you want. When ever you make up your mind of buying a term life insurance policy, one thing that you must look into is the conversion clause and get all the possible information about it.
If you have not got a life insurance policies done yet, this is the right time just go and get one to secure your future. This insurance gives your family an assurance of financial support even after your death takes place; it has many benefits to provide which will help your loved ones even when you are gone. To take care of your loved ones and to enjoy all the benefits which it provides its policy holder, it is a must for every human to have an insurance policy.
If you don't have any information about the life insurance policies, then it is always better for you to gather as much information as possible prior to buying one. This can be done by many ways. One good way of gathering the information is by searching it on the internet. The world of internet has many search engines and all you have to do is to type a keyword and you can get good amount of information that can help you. Then you can always talk with your friends and colleagues in your office who can guide you with the best of their knowledge. You can also take the advice of an expert, some one who has complete knowledge about life insurance and their products. These financial advisors or brokers can help you clinch a better deal from the insurance company and also they can help you in making a good policy for you by eliminating certain clauses which are of not any use for you and adding some clause which can help you in future. This way you can save money and get an assurance for your peaceful future.
By: Todd Martin
We can find end number of people who just have no idea about life insurance policies. Why a person purchases a life insurance policy? What is a life insurance policy? What are its benefits? These are a few questions which are there in a person's mind. With the information given below you will be able to understand the importance of a life insurance policy. Many people have no knowledge about these policies; the foremost thing to know is what exactly these policies are called. They are term life insurance, whole life insurance, variable life insurance, universal life insurance, variable universal life insurance policies, etc.
Term insurance reduces the stress for the loved ones that are left behind as if they already did not have enough to deal with. It will help in paying the funeral costs and provide a lot of help for both you and your dear ones. The cost of living is high that it takes two to earn and pay off the bills to have a comfortable living once the bread owner of the home is gone. Term insurance is one sure and safe policy that will take care of all the finances in case of accidental deaths. Term insurance can ensure you have a safe and secure family life in case of unexpected turn of events.
Term life insurance has certain benefits which you won't get with other life insurance policies. First of all this policy is the cheapest among all the insurance policies available. Unlike other policies, this policy also gives you the benefits of being economical incase you have a new member added in your family. This policy is flexible and you can decide the policy the way you want. When ever you make up your mind of buying a term life insurance policy, one thing that you must look into is the conversion clause and get all the possible information about it.
If you have not got a life insurance policies done yet, this is the right time just go and get one to secure your future. This insurance gives your family an assurance of financial support even after your death takes place; it has many benefits to provide which will help your loved ones even when you are gone. To take care of your loved ones and to enjoy all the benefits which it provides its policy holder, it is a must for every human to have an insurance policy.
If you don't have any information about the life insurance policies, then it is always better for you to gather as much information as possible prior to buying one. This can be done by many ways. One good way of gathering the information is by searching it on the internet. The world of internet has many search engines and all you have to do is to type a keyword and you can get good amount of information that can help you. Then you can always talk with your friends and colleagues in your office who can guide you with the best of their knowledge. You can also take the advice of an expert, some one who has complete knowledge about life insurance and their products. These financial advisors or brokers can help you clinch a better deal from the insurance company and also they can help you in making a good policy for you by eliminating certain clauses which are of not any use for you and adding some clause which can help you in future. This way you can save money and get an assurance for your peaceful future.
Now Is the Right Time to Consolidate Student Loans
Now Is the Right Time to Consolidate Student Loans
By: Nessa McHooley
Now Is the Right Time to Consolidate Student Loans
Students graduate from college with that prize possession: the much-anticipated college degree. Then there are those students who graduate college with that added bonus: a stack of student loans. While searching for the ultimate job, the last thing a student needs is worrying about how to pay off a ton of student loans.
Student Loan Consolidation in One Simple Payment
It would make life so much easier to pay one student loan bill instead of five, six, seven or even eight – sometimes more! After graduation there’s so much to think about: finding the ultimate job, finding a place to live, and figuring out how to pay for everything.
Thinking about paying monthly student loan bills certainly will not make life easy or happy. No one enjoys paying bills. The task becomes even worse and more stressful when there are piles of bills to pay. By consolidating student loans life will get easier and payments might be lower.
Fast Track to Student Loan Consolidation
Consolidation isn’t a foreign word and it’s not too big of a word to understand. Consolidation is easy. It combines all of a student’s loans into one payment. It’s that simple. It’s easy as pie and will let you breathe easier too. Student loan consolidation is convenient and allows you to combine all your loans. In addition, consolidation is no longer only geared toward federal loans. Now students also can consolidate their private loans.
The Time is Now for Student Loan Consolidation
There’s no time like the present to consolidate outstanding student loans. Even though interest rates on federal student loans were at their lowest from July 1, 2004 to July 1, 2005, it’s still a great time to combine student loans. The rates most likely will increase in July 2006, so consolidating now is a bright idea. Federal student loan consolidation can be as low as 4.75 percent. Private student loan consolidation depends on the lender, and the borrower’s credit.
Students who have multiple student loans oftentimes are inundated with varying interest rates and repayment terms. Getting it all in order every month can prove to be a literal nightmare.
Student Loan Consolidation Incentives
With federal student loan consolidation, rates are fixed. Students also can take advantage of deferment, forbearance and cancellation options.
Another highlight of student loan consolidation is the extension of payments. Many students find they can extend a 10-year repayment plan to as long as 30 years. This depends on a borrower’s balance, so it’s important to check out the options. Student loan consolidation offers students the same interest rate on the same amount, but for a longer term, hence better affordability.
There are so many good reasons to get on the road to student loan consolidation. By taking a stack of student loan bills and combining them into one, it’s like a magic trick. However, it’s a trick that will help ease life for many students who are inundated with multiple loan bills, not to mention all of the other daily stresses of life for graduating students.
By: Nessa McHooley
Now Is the Right Time to Consolidate Student Loans
Students graduate from college with that prize possession: the much-anticipated college degree. Then there are those students who graduate college with that added bonus: a stack of student loans. While searching for the ultimate job, the last thing a student needs is worrying about how to pay off a ton of student loans.
Student Loan Consolidation in One Simple Payment
It would make life so much easier to pay one student loan bill instead of five, six, seven or even eight – sometimes more! After graduation there’s so much to think about: finding the ultimate job, finding a place to live, and figuring out how to pay for everything.
Thinking about paying monthly student loan bills certainly will not make life easy or happy. No one enjoys paying bills. The task becomes even worse and more stressful when there are piles of bills to pay. By consolidating student loans life will get easier and payments might be lower.
Fast Track to Student Loan Consolidation
Consolidation isn’t a foreign word and it’s not too big of a word to understand. Consolidation is easy. It combines all of a student’s loans into one payment. It’s that simple. It’s easy as pie and will let you breathe easier too. Student loan consolidation is convenient and allows you to combine all your loans. In addition, consolidation is no longer only geared toward federal loans. Now students also can consolidate their private loans.
The Time is Now for Student Loan Consolidation
There’s no time like the present to consolidate outstanding student loans. Even though interest rates on federal student loans were at their lowest from July 1, 2004 to July 1, 2005, it’s still a great time to combine student loans. The rates most likely will increase in July 2006, so consolidating now is a bright idea. Federal student loan consolidation can be as low as 4.75 percent. Private student loan consolidation depends on the lender, and the borrower’s credit.
Students who have multiple student loans oftentimes are inundated with varying interest rates and repayment terms. Getting it all in order every month can prove to be a literal nightmare.
Student Loan Consolidation Incentives
With federal student loan consolidation, rates are fixed. Students also can take advantage of deferment, forbearance and cancellation options.
Another highlight of student loan consolidation is the extension of payments. Many students find they can extend a 10-year repayment plan to as long as 30 years. This depends on a borrower’s balance, so it’s important to check out the options. Student loan consolidation offers students the same interest rate on the same amount, but for a longer term, hence better affordability.
There are so many good reasons to get on the road to student loan consolidation. By taking a stack of student loan bills and combining them into one, it’s like a magic trick. However, it’s a trick that will help ease life for many students who are inundated with multiple loan bills, not to mention all of the other daily stresses of life for graduating students.
How to Use a Web Conference Call as a Selling Too
How to Use a Web Conference Call as a Selling Tool
By: Christopher J Enders
Holding a web conference call has long been recognized as a
valuable technique for online collaborations; however, the
potential for using a web conference call as a sales tool is
often overlooked. A web conference call, also known as
teleconferencing, has many uses and benefits. In order to
understand how to effectively use a web conference call as a
sales tool, it is beneficial to gain an understanding of the
traditional uses of teleconferencing and how a web conference
call works.
Common uses for a web conference call include conducting training
seminars and continuing education sessions, conducting market
research, holding press conferences, and coordinating meetings
including operational meetings, board meetings, and investor
relation meetings. From a sales perspective, a web conference
call can be used to hold sales meetings, to make sales
presentations, to provide potential retailers or affiliates with
information on new products or services, to provide press
releases, or even to conduct a live, online auction.
There are many advantages to using a web conference call for such
activities. A web conference call enables the sharing of real
time data and web conference call tools make it possible to
provide access to information used in the web conference call
before, during and after the call. Web conference calls are easy
to use and generally interface with other applications without
the need for any special hardware. A web conference call can be
held by either using a web conferencing service, or using web
conferencing software that can be installed on your server.
When using web conferencing services or web conferencing software
to conduct a web conference call, you generally schedule the web
conference call setting the time, date and duration of the web
conference call. Sometimes there is an option to reserve audio
telephone conferencing so that the web conference call can also
be accessed via telephone although with telephone access the
sharing of files is not possible. Once the web conference call is
scheduled and set up, you can choose which guests you want to
invite to the web conference call and send invitations via email.
Most web conference call solutions automate these steps.
When it is time for the web conference call, you present,
collaborate and share information via the internet using tools
provided through your web conference call solution. Most web
conference call solutions use a voice-over-IP technology that
enables conference attendees to talk back and forth if they have
microphones and speakers. Some even have web cam features so the
web conference call is "face-to-face" so to speak. During a web
conference call, attendees can see what you are doing on your
computer. They can view slides used in your presentation and so
forth as well opening files or documents that you share
throughout the web conference call.
Holding a web conference call for the purpose of conducting sales
meetings, sales presentations and press conferences saves time
and money because the attendees can attend the meeting from
remote locations. The web conference call eliminates travel time
and the expenses of travel. Furthermore, through a web conference
call, hand-outs can be provided electronically rather than being
printed resulting in even more cost savings. A web conference
call enables real-time communications between attendees.
One of the greatest benefits of using a web conference call as a
sales tool is that a web conference call makes it possible to
make sales presentations to multiple decision makers in an
organization first hand, rather than them relying upon the
translation of the information from the presentation that may be
necessary if they are physically unable to attend a sales
presentation due to geographic barriers.
By: Christopher J Enders
Holding a web conference call has long been recognized as a
valuable technique for online collaborations; however, the
potential for using a web conference call as a sales tool is
often overlooked. A web conference call, also known as
teleconferencing, has many uses and benefits. In order to
understand how to effectively use a web conference call as a
sales tool, it is beneficial to gain an understanding of the
traditional uses of teleconferencing and how a web conference
call works.
Common uses for a web conference call include conducting training
seminars and continuing education sessions, conducting market
research, holding press conferences, and coordinating meetings
including operational meetings, board meetings, and investor
relation meetings. From a sales perspective, a web conference
call can be used to hold sales meetings, to make sales
presentations, to provide potential retailers or affiliates with
information on new products or services, to provide press
releases, or even to conduct a live, online auction.
There are many advantages to using a web conference call for such
activities. A web conference call enables the sharing of real
time data and web conference call tools make it possible to
provide access to information used in the web conference call
before, during and after the call. Web conference calls are easy
to use and generally interface with other applications without
the need for any special hardware. A web conference call can be
held by either using a web conferencing service, or using web
conferencing software that can be installed on your server.
When using web conferencing services or web conferencing software
to conduct a web conference call, you generally schedule the web
conference call setting the time, date and duration of the web
conference call. Sometimes there is an option to reserve audio
telephone conferencing so that the web conference call can also
be accessed via telephone although with telephone access the
sharing of files is not possible. Once the web conference call is
scheduled and set up, you can choose which guests you want to
invite to the web conference call and send invitations via email.
Most web conference call solutions automate these steps.
When it is time for the web conference call, you present,
collaborate and share information via the internet using tools
provided through your web conference call solution. Most web
conference call solutions use a voice-over-IP technology that
enables conference attendees to talk back and forth if they have
microphones and speakers. Some even have web cam features so the
web conference call is "face-to-face" so to speak. During a web
conference call, attendees can see what you are doing on your
computer. They can view slides used in your presentation and so
forth as well opening files or documents that you share
throughout the web conference call.
Holding a web conference call for the purpose of conducting sales
meetings, sales presentations and press conferences saves time
and money because the attendees can attend the meeting from
remote locations. The web conference call eliminates travel time
and the expenses of travel. Furthermore, through a web conference
call, hand-outs can be provided electronically rather than being
printed resulting in even more cost savings. A web conference
call enables real-time communications between attendees.
One of the greatest benefits of using a web conference call as a
sales tool is that a web conference call makes it possible to
make sales presentations to multiple decision makers in an
organization first hand, rather than them relying upon the
translation of the information from the presentation that may be
necessary if they are physically unable to attend a sales
presentation due to geographic barriers.
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
By: Carrie Reeder
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
By: Carrie Reeder
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
Monday, August 4, 2008
Debt & Bill Consolidation Help & Relief
Debt & Bill Consolidation Help & Relief
* Reduce debt by up to 40%
* Be debt free in as little as 12-30 months
* Lower your monthly payment
* Make one simple monthly payment
* Don’t risk your home or other personal property if you miss a payment
* Don’t pay service fees unless our program saves you money
* Reduce your stress and get a “New Deal”
Credit Consolidation FAQs
Does Franklin Debt Relief offer debt consolidation services?
Yes, we offer a debt consolidation program for consumers with credit card debt, medical bills, repossessions, and accounts in collections.
Are credit card debt consolidation programs the same as debt consolidation loans?
No, debt consolidation programs for credit cards, notably debt settlement and credit counseling, do not involve lending at all. Rather, it involves negotiating with credit card companies to reduce interest, overall payments, and/or the balance owed.
What are some common ways for consumers to consolidate their unsecured debt?
Debt settlement / debt negotiation – This debt reduction option involves negotiating the principal balance owed by the consumer down by 40 to 60 percent. It is the fastest and most cost effective debt consolidation option. This is the alternative offered by Franklin Debt Relief.
Credit counseling / debt management – This option involves negotiating the interest rates charged on the credit cards. Credit counseling plans typically last between 4 and 5 years.
Debt consolidation loans – This option involves taking out a loan to pay off any outstanding credit card balances. Normally it is secured by collateral like your home or vehicle. Unsecured debt consolidation loans are offered by companies like Citifinancial, Beneficial, and American General Finance.
Credit card balance transfers – This option involves taking the balances of all your credit cards and putting them on another credit card with a lower interest rate or minimum payment.
Chapter 13 bankruptcy – This option involves paying back your creditors over 5 years through a court-approved payment plan, which is based on your income.
Is a debt consolidation loan a good option for consumers seeking debt relief?
In many cases, yes. In other cases, however, a consumer may be better off using debt settlement, credit counseling, or bankruptcy for debt relief. In a lot of other cases, consumers who need debt relief are not even eligible for a debt consolidation loan because of bad credit, high debt balances, or any other factor which may raise a red flag to a lender.
What determines whether a debt consolidation loan is a good debt relief option?
Obviously the term, rate, and conditions of the loan are critical. In order for a debt consolidation loan to make sense, clearly the monthly payment, interest, and/or payback term must be less than staying the current course. Assuming these factors are all favorable to the consumer, the most important determinants of the suitability of a debt consolidation loan for your situation is a) the nature of the loan, b) the nature of your debt problem, c) your income stability and the amount of “breathing room” you’ll have if an unexpected expense arises, and d) how these all play into each other.
Why is the nature of the loan important?
The nature of the loan is important for a few reasons. For one, a secured debt consolidation loan raises much different issues for a debtor than an unsecured one. For example, if a consumer takes out a second mortgage to consolidate their credit card debt, they better have sufficient income and “breathing room” because as little as one missed payment can result in the foreclosure of their home. Secondly, the nature of a debt consolidation is important because a high interest, low payment unsecured loan may provide short-term relief, but in the long run, it may cause the consumer to lose thousands of dollars in interest charges and fees.
Why is the nature of the debt problem important?
Some studies show that over 70% of consumers who refinance their property or take out a second mortgage to pay off credit card debt end up in the same financial position in as little as 2 years. Given this fact, a debt consolidation loan rarely makes sense if the borrower’s circumstances are the result of overspending or poor budgeting. After all, a debt consolidation loan will only delay the inevitable---coming to grips with a spending problem---while removing equity from your largest investment---your home.
Why is my income stability or the amount of “breathing room” important?
This is particularly important for consumers choosing the secured debt consolidation route because as we mentioned previously, their home can be foreclosed in the event that as little as one payment is missed. Obviously consumers whose income fluctuates dramatically each month or who are in an industry / company that is losing jobs have more to consider before they ever take out a debt consolidation loan. This issue is important for unsecured debt consolidation loans as well because if the likelihood for successfully satisfying the loan is low, the consumer would most likely be better off tackling the debt through settlement or credit counseling. After all, why waste time and money paying back interest charges that you cannot afford? “Breathing room” is often a forgotten variable when a consumer is considering his or her debt relief options. The main reason for this being so important is that unexpected expenses are almost inevitable to arise throughout the pay off term of the loan. Without sufficient savings or surplus income to compensate in the event this does occur a consumer will be forced to miss payments.
Are bill consolidation loans tax-deductible?
The interest from debt consolidation loans that are secured by a home is in fact tax deductible. This is one of the main advantages.
What are some other advantages of using a home-equity debt consolidation loan?
The other advantages are the interest and monthly payment are typically much lower than what you are paying on a credit card. This has to do with the fact that the debt is secured (so the lender is taking on less risk) and the payment term is somewhat long. Another advantage is that consolidating your debt into one payment not only gives you more peace of mind, but it also means you are far less likely to be late on a payment, which improves your credit.
What options do I have for consolidating medical debt?
Consolidating hospital bills is best achieved through settlement or negotiation, credit counseling, or by using a home equity debt consolidation loan. The problem with medical bill consolidation, however, is that sometimes the monthly payment is higher than what you are currently paying. Unfortunately, all too often consumers with medical debt are left with no other choice but to file bankruptcy. Read this article for more information about help for hospital bills.
* Reduce debt by up to 40%
* Be debt free in as little as 12-30 months
* Lower your monthly payment
* Make one simple monthly payment
* Don’t risk your home or other personal property if you miss a payment
* Don’t pay service fees unless our program saves you money
* Reduce your stress and get a “New Deal”
Credit Consolidation FAQs
Does Franklin Debt Relief offer debt consolidation services?
Yes, we offer a debt consolidation program for consumers with credit card debt, medical bills, repossessions, and accounts in collections.
Are credit card debt consolidation programs the same as debt consolidation loans?
No, debt consolidation programs for credit cards, notably debt settlement and credit counseling, do not involve lending at all. Rather, it involves negotiating with credit card companies to reduce interest, overall payments, and/or the balance owed.
What are some common ways for consumers to consolidate their unsecured debt?
Debt settlement / debt negotiation – This debt reduction option involves negotiating the principal balance owed by the consumer down by 40 to 60 percent. It is the fastest and most cost effective debt consolidation option. This is the alternative offered by Franklin Debt Relief.
Credit counseling / debt management – This option involves negotiating the interest rates charged on the credit cards. Credit counseling plans typically last between 4 and 5 years.
Debt consolidation loans – This option involves taking out a loan to pay off any outstanding credit card balances. Normally it is secured by collateral like your home or vehicle. Unsecured debt consolidation loans are offered by companies like Citifinancial, Beneficial, and American General Finance.
Credit card balance transfers – This option involves taking the balances of all your credit cards and putting them on another credit card with a lower interest rate or minimum payment.
Chapter 13 bankruptcy – This option involves paying back your creditors over 5 years through a court-approved payment plan, which is based on your income.
Is a debt consolidation loan a good option for consumers seeking debt relief?
In many cases, yes. In other cases, however, a consumer may be better off using debt settlement, credit counseling, or bankruptcy for debt relief. In a lot of other cases, consumers who need debt relief are not even eligible for a debt consolidation loan because of bad credit, high debt balances, or any other factor which may raise a red flag to a lender.
What determines whether a debt consolidation loan is a good debt relief option?
Obviously the term, rate, and conditions of the loan are critical. In order for a debt consolidation loan to make sense, clearly the monthly payment, interest, and/or payback term must be less than staying the current course. Assuming these factors are all favorable to the consumer, the most important determinants of the suitability of a debt consolidation loan for your situation is a) the nature of the loan, b) the nature of your debt problem, c) your income stability and the amount of “breathing room” you’ll have if an unexpected expense arises, and d) how these all play into each other.
Why is the nature of the loan important?
The nature of the loan is important for a few reasons. For one, a secured debt consolidation loan raises much different issues for a debtor than an unsecured one. For example, if a consumer takes out a second mortgage to consolidate their credit card debt, they better have sufficient income and “breathing room” because as little as one missed payment can result in the foreclosure of their home. Secondly, the nature of a debt consolidation is important because a high interest, low payment unsecured loan may provide short-term relief, but in the long run, it may cause the consumer to lose thousands of dollars in interest charges and fees.
Why is the nature of the debt problem important?
Some studies show that over 70% of consumers who refinance their property or take out a second mortgage to pay off credit card debt end up in the same financial position in as little as 2 years. Given this fact, a debt consolidation loan rarely makes sense if the borrower’s circumstances are the result of overspending or poor budgeting. After all, a debt consolidation loan will only delay the inevitable---coming to grips with a spending problem---while removing equity from your largest investment---your home.
Why is my income stability or the amount of “breathing room” important?
This is particularly important for consumers choosing the secured debt consolidation route because as we mentioned previously, their home can be foreclosed in the event that as little as one payment is missed. Obviously consumers whose income fluctuates dramatically each month or who are in an industry / company that is losing jobs have more to consider before they ever take out a debt consolidation loan. This issue is important for unsecured debt consolidation loans as well because if the likelihood for successfully satisfying the loan is low, the consumer would most likely be better off tackling the debt through settlement or credit counseling. After all, why waste time and money paying back interest charges that you cannot afford? “Breathing room” is often a forgotten variable when a consumer is considering his or her debt relief options. The main reason for this being so important is that unexpected expenses are almost inevitable to arise throughout the pay off term of the loan. Without sufficient savings or surplus income to compensate in the event this does occur a consumer will be forced to miss payments.
Are bill consolidation loans tax-deductible?
The interest from debt consolidation loans that are secured by a home is in fact tax deductible. This is one of the main advantages.
What are some other advantages of using a home-equity debt consolidation loan?
The other advantages are the interest and monthly payment are typically much lower than what you are paying on a credit card. This has to do with the fact that the debt is secured (so the lender is taking on less risk) and the payment term is somewhat long. Another advantage is that consolidating your debt into one payment not only gives you more peace of mind, but it also means you are far less likely to be late on a payment, which improves your credit.
What options do I have for consolidating medical debt?
Consolidating hospital bills is best achieved through settlement or negotiation, credit counseling, or by using a home equity debt consolidation loan. The problem with medical bill consolidation, however, is that sometimes the monthly payment is higher than what you are currently paying. Unfortunately, all too often consumers with medical debt are left with no other choice but to file bankruptcy. Read this article for more information about help for hospital bills.
Sunday, August 3, 2008
Auto Insurance Quote
Get The Lowest Auto Insurance Quote (Get The Lowest Auto Insurance Quote)
Insurance companies take in a variety of factors when they determine what premium you will pay for your car insurance. This includes your driving habits, age, area of residence, who else drives your car and mileage.
Here are some factors that will help you get the lowest auto insurance quote
Drive Carefully - The first step in getting the best possible rates is a clean driving record. If your driving record is accident free, you are bound to get cheaper rates.
Reduce Coverage On Older Cars -Consider reducing the amount of comprehensive coverage on older cars. Car dealers can assess the value of your car and you can reduce the amount insured. For example, a car that you bought in 2001 was worth £7,000 at that time; now its estimated value is around £5,000. So instead of paying the comprehensive insurance for £7,000, you can reduce it to £5,000 to reduce your premium.
Take Advantage Of Low Mileage Discounts - Some insurance companies offer discounts to motorists who drive a lower than average number of miles a year.
Safety And Security Equipment - The equipment installed in your car can have an impact on insurance premiums. If your have an alarm or and anti-theft system installed in your car, you will receive a lower premium rate. If your car is equipped with safety airbags, it will reduce injury-related costs and will also lead to a lower rate.
Seek Out Other Discounts - Companies offer special discounts to clients who have not had any accidents or violations for a year or more. It is often referred to as ‘No Claim Bonus’. Another common discount offered is the multi-car discount. If you insure two or more of your cars with the same insurance company, they will give you special discounts. Therefore, make sure you fully inquire about all other available discounts from the company agent before buying insurance. This extra knowledge will help you save a significant amount of money.
Consider Third Party Cover Only - This type of insurance is the minimum amount of coverage that is legally required, it is also the cheapest. You should consider this policy only if your vehicle is of low value. In any accident, any damage to a third party will be covered but any damage to your vehicle will not.
Insurance companies take in a variety of factors when they determine what premium you will pay for your car insurance. This includes your driving habits, age, area of residence, who else drives your car and mileage.
Here are some factors that will help you get the lowest auto insurance quote
Drive Carefully - The first step in getting the best possible rates is a clean driving record. If your driving record is accident free, you are bound to get cheaper rates.
Reduce Coverage On Older Cars -Consider reducing the amount of comprehensive coverage on older cars. Car dealers can assess the value of your car and you can reduce the amount insured. For example, a car that you bought in 2001 was worth £7,000 at that time; now its estimated value is around £5,000. So instead of paying the comprehensive insurance for £7,000, you can reduce it to £5,000 to reduce your premium.
Take Advantage Of Low Mileage Discounts - Some insurance companies offer discounts to motorists who drive a lower than average number of miles a year.
Safety And Security Equipment - The equipment installed in your car can have an impact on insurance premiums. If your have an alarm or and anti-theft system installed in your car, you will receive a lower premium rate. If your car is equipped with safety airbags, it will reduce injury-related costs and will also lead to a lower rate.
Seek Out Other Discounts - Companies offer special discounts to clients who have not had any accidents or violations for a year or more. It is often referred to as ‘No Claim Bonus’. Another common discount offered is the multi-car discount. If you insure two or more of your cars with the same insurance company, they will give you special discounts. Therefore, make sure you fully inquire about all other available discounts from the company agent before buying insurance. This extra knowledge will help you save a significant amount of money.
Consider Third Party Cover Only - This type of insurance is the minimum amount of coverage that is legally required, it is also the cheapest. You should consider this policy only if your vehicle is of low value. In any accident, any damage to a third party will be covered but any damage to your vehicle will not.
- Best And Lowest Insurance Quote
- Your Health Insurance Quote
- Comparison of Policies
- Cheapest Insurance Quote
- Instant Insurance Quote
- Premiums Can Be Lowered
Saturday, August 2, 2008
Google EBooks
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How to make huge online profits using the power of Google AdWords and ClickBank
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Friday, August 1, 2008
Download My Blogspot Tool Bar
Download My Blogspot Toolbar for Firefox
& Internet Explore
Add buttons to the Toolbar
to search your favorite sites.
Bookmark frequently visited pages
and access them from anywhere
Search smarter with instant suggestions
as you type in the search box
Share web pages with friends
via blog or email
System requirements:
• Windows XP/2000 SP3+, Mac OS X 10.2+, or Linux
• Firefox 2.0+
• Internet Explorer version available here
Click Here To Download Tool Bar
Add buttons to the Toolbar
to search your favorite sites.
Bookmark frequently visited pages
and access them from anywhere
Search smarter with instant suggestions
as you type in the search box
Share web pages with friends
via blog or email
System requirements:
• Windows XP/2000 SP3+, Mac OS X 10.2+, or Linux
• Firefox 2.0+
• Internet Explorer version available here
Click Here To Download Tool Bar
Thursday, July 31, 2008
Ishmeet singh Died
Ishmeet Singh Died
Ishmeet Singh" is the winner of its first musical reality talent hunt show. After six months of overcoming many challenges and scoring over other talented singers of Amul STAR Voice of India
Ishmeet Singh (September 2, 1989 - July 29, 2008) a well-known Voice of India winner and playback singer has died in the Maldives where he had gone to perform for the 'Star Voice of Maldives' contest to be held on the 1st of August, 2008. He drowned in the swimming pool of the Chaaya Island Dhonveli resort, at which he was staying, on Tuesday the 29th of July 2008 only two days before he was scheduled to perform.
The news of his untimely death has shocked the Indian music industry and his fans.
Ishmeet Singh (September 2, 1989 - July 29, 2008) a well-known Voice of India winner and playback singer has died in the Maldives where he had gone to perform for the 'Star Voice of Maldives' contest to be held on the 1st of August, 2008. He drowned in the swimming pool of the Chaaya Island Dhonveli resort, at which he was staying, on Tuesday the 29th of July 2008 only two days before he was scheduled to perform.
The news of his untimely death has shocked the Indian music industry and his fans.
Tuesday, July 22, 2008
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Monday, July 21, 2008
Science Is Silent On This Mystery
The "Bermuda Triangle" or "Devil's Triangle" is an imaginary area located off the southeastern Atlantic coast of the United States of America, which is noted for a supposedly high incidence of unexplained disappearances of ships and aircraft. The apexes of the triangle are generally believed to be Bermuda; Miami, Florida; and San Juan, Puerto Rico. The US Board of Geographic Names does not recognize the Bermuda Triangle as an official name. The US Navy does not believe the Bermuda Triangle exists. It is reported that Lloyd's of London, the world's leading market for specialist insurance, does not charge higher premiums for vessels transiting this heavily traveled area.
The Bermuda Triangle is a strange and mysterious place in the southern Atlantic Ocean. It is roughly the shape of a triangle and it is said to have sucked planes and boats into its dark and murky waters. No one knows what happened to the planes and boats. When some enter the waters of the triangle they disappear forever.
Bermuda-Triangle.Org is the web site of Gian J. Quasar. It originally began in 1999 as his massive database on the Bermuda Triangle until the publication of his book, Into the Bermuda Triangle. Now it is also the personal website of the author, not only containing the Bermuda Triangle database but keeping everyone updated on his several other books, events and projects.
Triangular Shape: The triangle has had mystical and magical connotations attached to it since before written history - after all, the Great Pyramid is sitting out there for all to see - and it is a perfect triangle with a whole slew of unknowns surrounding it. Having said that, is the triangular shape of the Bermuda Triangle of any significance? Yes, but not like one might think........it indeed does appear to be on a strong energy line or vortex in addition to all the variations described above, but this appears to be more relevant to its placement on earth than the actual triangular shape made by the 3 reference points by which we identify it.
The US geological Survey has estimated that just two small areas off the coasts of North and South Carolina, which are a part of the Bermuda Triangle, contain about 70 times the quantity of gas consumed annually in USA. The sea bed and the areas of permafrost are therefore storehouses of a great energy source. It has been estimated that just 1% of gas hydrate is equivalent to half the present conventional gas reserves. But the bad news is that methane is a greenhouse gas and it is vulnerable to blowouts when drillings go wrong. It is only stable under narrow temperature and pressure conditions and would decay due to global warming. We will have to wait and see whether it gives us energy to burn or it burns us up instead.
The Bermuda Triangle is a stretch of the Atlantic Ocean bordered by a line from Florida to the islands of Bermuda, to Puerto Rico and then back to Florida. It is one of the biggest mysteries of our time - that isn't really a mystery.
The term "Bermuda Triangle" was first used in an article written by Vincent H. Gaddis for Argosy magazine in 1964. In the article Gaddis claimed that in this strange sea a number of ships and planes had disappeared without explanation. Gaddis wasn't the first one to come to this conclusion, either. As early as 1952 George X. Sands, in a report in Fate magazine, noted what seemed like an unusually large number of strange accidents in that region.
In 1969 John Wallace Spencer wrote a book called Limbo of the Lost specifically about the triangle and, two years later, a feature documentary on the subject, The Devil's Triangle, was released. These, along with the bestseller The Bermuda Triangle, published in 1974, permanently registered the legend of the "Hoodoo Sea" within popular culture.
Several books suggested that the disappearances were due to an intelligent, technologically advanced race living in space or under the sea.
The only problem was that the mystery was more hype than reality. In 1975 a librarian at Arizona State University, named Larry Kusche, decided to investigate the claims made by these articles and books. What he found he published in his own book entitled The Bermuda Triangle Mystery-Solved. Kusche had carefully dug into records other writers had neglected. He found that many of the strange accidents were not so strange after all. Often a triangle writer had noted a ship or plane had disappeared in "calms seas" when the record showed a raging storm had been in progress. Others said ships had "mysteriously vanished" when their remains had actually been found and the cause of their sinking explained.
More significantly a check of Lloyd's of London's accident records by the editor of Fate in 1975 showed that the triangle was a no more dangerous part of the ocean than any other. U.S. Coast Guard records confirmed this and since that time no good arguments have ever been made to refute those statistics. So the Bermuda Triangle mystery disappeared, in the same way many of its supposed victims had vanished.
Even though the Bermuda Triangle isn't a true mystery, this region of the sea certainly has had its share of marine tragedy. Perhaps the best known one was the story of Flight 19.
The Bermuda Triangle is a strange and mysterious place in the southern Atlantic Ocean. It is roughly the shape of a triangle and it is said to have sucked planes and boats into its dark and murky waters. No one knows what happened to the planes and boats. When some enter the waters of the triangle they disappear forever.
Bermuda-Triangle.Org is the web site of Gian J. Quasar. It originally began in 1999 as his massive database on the Bermuda Triangle until the publication of his book, Into the Bermuda Triangle. Now it is also the personal website of the author, not only containing the Bermuda Triangle database but keeping everyone updated on his several other books, events and projects.
Triangular Shape: The triangle has had mystical and magical connotations attached to it since before written history - after all, the Great Pyramid is sitting out there for all to see - and it is a perfect triangle with a whole slew of unknowns surrounding it. Having said that, is the triangular shape of the Bermuda Triangle of any significance? Yes, but not like one might think........it indeed does appear to be on a strong energy line or vortex in addition to all the variations described above, but this appears to be more relevant to its placement on earth than the actual triangular shape made by the 3 reference points by which we identify it.
The US geological Survey has estimated that just two small areas off the coasts of North and South Carolina, which are a part of the Bermuda Triangle, contain about 70 times the quantity of gas consumed annually in USA. The sea bed and the areas of permafrost are therefore storehouses of a great energy source. It has been estimated that just 1% of gas hydrate is equivalent to half the present conventional gas reserves. But the bad news is that methane is a greenhouse gas and it is vulnerable to blowouts when drillings go wrong. It is only stable under narrow temperature and pressure conditions and would decay due to global warming. We will have to wait and see whether it gives us energy to burn or it burns us up instead.
The Bermuda Triangle is a stretch of the Atlantic Ocean bordered by a line from Florida to the islands of Bermuda, to Puerto Rico and then back to Florida. It is one of the biggest mysteries of our time - that isn't really a mystery.
The term "Bermuda Triangle" was first used in an article written by Vincent H. Gaddis for Argosy magazine in 1964. In the article Gaddis claimed that in this strange sea a number of ships and planes had disappeared without explanation. Gaddis wasn't the first one to come to this conclusion, either. As early as 1952 George X. Sands, in a report in Fate magazine, noted what seemed like an unusually large number of strange accidents in that region.
In 1969 John Wallace Spencer wrote a book called Limbo of the Lost specifically about the triangle and, two years later, a feature documentary on the subject, The Devil's Triangle, was released. These, along with the bestseller The Bermuda Triangle, published in 1974, permanently registered the legend of the "Hoodoo Sea" within popular culture.
Several books suggested that the disappearances were due to an intelligent, technologically advanced race living in space or under the sea.
The only problem was that the mystery was more hype than reality. In 1975 a librarian at Arizona State University, named Larry Kusche, decided to investigate the claims made by these articles and books. What he found he published in his own book entitled The Bermuda Triangle Mystery-Solved. Kusche had carefully dug into records other writers had neglected. He found that many of the strange accidents were not so strange after all. Often a triangle writer had noted a ship or plane had disappeared in "calms seas" when the record showed a raging storm had been in progress. Others said ships had "mysteriously vanished" when their remains had actually been found and the cause of their sinking explained.
More significantly a check of Lloyd's of London's accident records by the editor of Fate in 1975 showed that the triangle was a no more dangerous part of the ocean than any other. U.S. Coast Guard records confirmed this and since that time no good arguments have ever been made to refute those statistics. So the Bermuda Triangle mystery disappeared, in the same way many of its supposed victims had vanished.
Even though the Bermuda Triangle isn't a true mystery, this region of the sea certainly has had its share of marine tragedy. Perhaps the best known one was the story of Flight 19.
Bermuda Triangle
“The region involved, a watery triangle bounded roughly by Florida, Bermuda, and Puerto Rico, measures less than a thousand miles on any one side.”
So George X. Sand introduced the Triangle to his readers in October 1952 in a short article for Fate magazine, entitled “Sea Mystery at our Back Door.”
Sand’s article recounted the latest disappearance (the Sandra in 1950) and went on to discuss some of the other recent baffling mysteries like NC16002, Star Tiger and Star Ariel, aside from devoting most of the article to Flight 19.
The Triangle remained a colloquial expression throughout the 1950s, employed by locals when another disappearance or unexplained crash happened.
By the early 1960s, it had acquired the name The Deadly Triangle. In his 1962 book, Wings of Mystery, author Dale Titler also devoted pages in Chapter 14— “The Mystery of Flight 19”— to recounting the most recent incidents of disappearances and even began to ponder theories, such as electromagnetic anomalies and the ramifications of Project Magnet. His book would set the temper for Triangle discussions thereafter. (Just in April 1962 Allan W. Eckert had written a sensational piece in the American Legion Magazine on Flight 19 ((“The Mystery of the Lost Patrol”)) which introduced some of the most popular but erroneous dialogue purported coming from Flight 19, including lines like the ocean looks strange, all the compasses are going haywire, and that they could not make out any directions, “everything is strange.” This became a may pole for electromagnetic discussions).
However, popularity on the subject was beginning to spread beyond the area of the Atlantic seaboard. But the moniker “Deadly Triangle” contained absolutely no geographic reference in it— in other words “Deadly Triangle” could be anywhere.
Then in February 1964 Vincent Gaddis wrote an article for Argosy Magazine. The article was little different from others, though it added a few more recent cases like Marine Sulphur Queen. However, it was his title that finally clinched with the public: “The Deadly Bermuda Triangle.” Adding “Bermuda” finally materialized the location for everybody, though Gaddis clarified “in and about this area” many have disappeared.
In his popular 1965 book Invisible Horizons, Gaddis devoted chapter 13 to “The Triangle of Death.” The concept of the Bermuda Triangle was spreading rapidly.
Ironically, the first book published devoted to the subject was entitled Limbo of the Lost (1969) by John Spencer, in which he proposed the area had no real shape at all and elaborately tried to include the Gulf of Mexico as well as New Jersey. It sold in limited quantities, but was later reproduced in paperback in the early 1970s and did well.
Dozens of magazine and newspaper articles came out in the early ‘70s, each author offering a general shape. Richard Winer proposed “The Devil’s Triangle” and extended it nearly to the Azores near Portugal. Ivan Sanderson was sure it was an oblong shape centered almost entirely north of Bermuda.
But no book sold as well as Charles Berlitz’s 1974 bestseller, The Bermuda Triangle. Selling way over 5,000,000 copies in hardback, it became a phenomenon. Berlitz also cautioned about the exact shape, as had the others. But to this day Bermuda Triangle is deferred to for the same reason “Deadly Triangle” failed—there is simply no other name that calls to mind the general area as does Bermuda Triangle.
So George X. Sand introduced the Triangle to his readers in October 1952 in a short article for Fate magazine, entitled “Sea Mystery at our Back Door.”
Sand’s article recounted the latest disappearance (the Sandra in 1950) and went on to discuss some of the other recent baffling mysteries like NC16002, Star Tiger and Star Ariel, aside from devoting most of the article to Flight 19.
The Triangle remained a colloquial expression throughout the 1950s, employed by locals when another disappearance or unexplained crash happened.
By the early 1960s, it had acquired the name The Deadly Triangle. In his 1962 book, Wings of Mystery, author Dale Titler also devoted pages in Chapter 14— “The Mystery of Flight 19”— to recounting the most recent incidents of disappearances and even began to ponder theories, such as electromagnetic anomalies and the ramifications of Project Magnet. His book would set the temper for Triangle discussions thereafter. (Just in April 1962 Allan W. Eckert had written a sensational piece in the American Legion Magazine on Flight 19 ((“The Mystery of the Lost Patrol”)) which introduced some of the most popular but erroneous dialogue purported coming from Flight 19, including lines like the ocean looks strange, all the compasses are going haywire, and that they could not make out any directions, “everything is strange.” This became a may pole for electromagnetic discussions).
However, popularity on the subject was beginning to spread beyond the area of the Atlantic seaboard. But the moniker “Deadly Triangle” contained absolutely no geographic reference in it— in other words “Deadly Triangle” could be anywhere.
Then in February 1964 Vincent Gaddis wrote an article for Argosy Magazine. The article was little different from others, though it added a few more recent cases like Marine Sulphur Queen. However, it was his title that finally clinched with the public: “The Deadly Bermuda Triangle.” Adding “Bermuda” finally materialized the location for everybody, though Gaddis clarified “in and about this area” many have disappeared.
In his popular 1965 book Invisible Horizons, Gaddis devoted chapter 13 to “The Triangle of Death.” The concept of the Bermuda Triangle was spreading rapidly.
Ironically, the first book published devoted to the subject was entitled Limbo of the Lost (1969) by John Spencer, in which he proposed the area had no real shape at all and elaborately tried to include the Gulf of Mexico as well as New Jersey. It sold in limited quantities, but was later reproduced in paperback in the early 1970s and did well.
Dozens of magazine and newspaper articles came out in the early ‘70s, each author offering a general shape. Richard Winer proposed “The Devil’s Triangle” and extended it nearly to the Azores near Portugal. Ivan Sanderson was sure it was an oblong shape centered almost entirely north of Bermuda.
But no book sold as well as Charles Berlitz’s 1974 bestseller, The Bermuda Triangle. Selling way over 5,000,000 copies in hardback, it became a phenomenon. Berlitz also cautioned about the exact shape, as had the others. But to this day Bermuda Triangle is deferred to for the same reason “Deadly Triangle” failed—there is simply no other name that calls to mind the general area as does Bermuda Triangle.
Google Adsense Money
Keywords: make money, make money online, making money, make money fast, how to make money, make money on the internet, make money from home, ways to make money, make easy money, make big money, internet business make money online, business home make money online, Google Adsense Money.
Google AdSense is a Pay-Per Click (PPC) service. Webmasters are paid a portion of the revenue which Google collects from advertisers each time a web site visitor clicks on an AdSense advertisement.
Each click may pay anywhere from a few cents to several dollars. The average click seems to be worth about $.20. The more clicks AdSense advertisers receive from your web pages, the more money you make.
The basic formula for thinking about revenue from Google AdSense is:
Revenue = (Impressions * CTR * CPC)
The methods of increasing your revenue from Google AdSense are:
Increase Impressions
Increase Click-Through-Ratio (CTR)
Increase Cost-Per-Click (CPC)
Increase Impressions:
The most basic method of increasing your number of impressions is to increase the traffic to your web site.
The topic of increasing traffic to your web site is beyond the scope of this article, and most likely something you are already working on.
One technique for increasing the number of Google AdSense impressions without an increase in traffic to your web site is to motivate your users to enable JavaScript. Google AdSense ads require JavaScript. Visitors to your website who do not have JavaScript enabled in their browsers will not see your Google AdSense ads.
To encourage your users to enable JavaScript, create content for your web page which is only available via JavaScript. Implement browser JavaScript detection in your HTML to notify visitors without JavaScript enabled that they are only receiving a portion of your available content.
Increase Click-Through-Ratio (CTR)
A small increase in Click-Through-Ratio can mean a large increase in revenue. A rise from a CTR of 1.0 to a CTR of 1.1 should mean an increase in revenue of 10%.
Several on-page factors can influence your Click-Through-Ratio. These factors include:
Ad placement
Ad color
Ad unit style
Total number of links
Ad Unit Style:
The Google AdSense programs offers a wide variety of ad unit styles and sizes. The ad unit styles include:
Ad UnitDimensions Leaderboard728x90 Banner486x60 Half Banner234x60 Button125x125 Skyscraper120x600 Wide Skyscraper160x600 Medium Rectangle300x250 Large Rectangle336x280 Small Rectangle180x150 Square250x250
Leaderboard and Banner ad units are obvious choices to placement in page headers and footers. Leaderboards are preferable, because they are able to show more ads. Banners are a classic web format, and may be necessary where the width of your available space is limited.
Skyscrapers are an excellent choice for advertisements, because they appear to be less vulnerable to ad blindness than the horizontal ad formats. Google recently added the wide skyscraper format. This new ad unit displays one more ad than the classic 120x600 skyscraper unit. If you are currently using the 120x600 skyscrapers, switching to the new wide skyscraper format may increase your revenue from the Google AdSense program.
Rectangles, Squares, and Buttons are best used when placed inside a content area. This makes rectangles more difficult to place, but also gives then the best revenue potential.
Increase Cost-Per-Click (CPC)
Not all Google AdSense ads are created equal. Google AdWords advertisers bid for keyword combinations, and some combination are much more expensive than others.
The Google AdSense robot, Mediabot, automatically scans your web pages and determines the appropriate ads to display on your page.
It is possible to create web pages which are designed specifically to attract certain keywords from the Google AdSense program.
To determine which keywords have a higher Cost-Per-Click, create a Google Adwords account in the Google AdWords advertiser interface. This will enable you to determine roughly what AdWords advertisers are paying for each keyword combination.
Based upon this information, you may decide to create a new web page or a whole new web site.
Google AdSense is a Pay-Per Click (PPC) service. Webmasters are paid a portion of the revenue which Google collects from advertisers each time a web site visitor clicks on an AdSense advertisement.
Each click may pay anywhere from a few cents to several dollars. The average click seems to be worth about $.20. The more clicks AdSense advertisers receive from your web pages, the more money you make.
The basic formula for thinking about revenue from Google AdSense is:
Revenue = (Impressions * CTR * CPC)
The methods of increasing your revenue from Google AdSense are:
Increase Impressions
Increase Click-Through-Ratio (CTR)
Increase Cost-Per-Click (CPC)
Increase Impressions:
The most basic method of increasing your number of impressions is to increase the traffic to your web site.
The topic of increasing traffic to your web site is beyond the scope of this article, and most likely something you are already working on.
One technique for increasing the number of Google AdSense impressions without an increase in traffic to your web site is to motivate your users to enable JavaScript. Google AdSense ads require JavaScript. Visitors to your website who do not have JavaScript enabled in their browsers will not see your Google AdSense ads.
To encourage your users to enable JavaScript, create content for your web page which is only available via JavaScript. Implement browser JavaScript detection in your HTML to notify visitors without JavaScript enabled that they are only receiving a portion of your available content.
Increase Click-Through-Ratio (CTR)
A small increase in Click-Through-Ratio can mean a large increase in revenue. A rise from a CTR of 1.0 to a CTR of 1.1 should mean an increase in revenue of 10%.
Several on-page factors can influence your Click-Through-Ratio. These factors include:
Ad placement
Ad color
Ad unit style
Total number of links
Ad Unit Style:
The Google AdSense programs offers a wide variety of ad unit styles and sizes. The ad unit styles include:
Ad UnitDimensions Leaderboard728x90 Banner486x60 Half Banner234x60 Button125x125 Skyscraper120x600 Wide Skyscraper160x600 Medium Rectangle300x250 Large Rectangle336x280 Small Rectangle180x150 Square250x250
Leaderboard and Banner ad units are obvious choices to placement in page headers and footers. Leaderboards are preferable, because they are able to show more ads. Banners are a classic web format, and may be necessary where the width of your available space is limited.
Skyscrapers are an excellent choice for advertisements, because they appear to be less vulnerable to ad blindness than the horizontal ad formats. Google recently added the wide skyscraper format. This new ad unit displays one more ad than the classic 120x600 skyscraper unit. If you are currently using the 120x600 skyscrapers, switching to the new wide skyscraper format may increase your revenue from the Google AdSense program.
Rectangles, Squares, and Buttons are best used when placed inside a content area. This makes rectangles more difficult to place, but also gives then the best revenue potential.
Increase Cost-Per-Click (CPC)
Not all Google AdSense ads are created equal. Google AdWords advertisers bid for keyword combinations, and some combination are much more expensive than others.
The Google AdSense robot, Mediabot, automatically scans your web pages and determines the appropriate ads to display on your page.
It is possible to create web pages which are designed specifically to attract certain keywords from the Google AdSense program.
To determine which keywords have a higher Cost-Per-Click, create a Google Adwords account in the Google AdWords advertiser interface. This will enable you to determine roughly what AdWords advertisers are paying for each keyword combination.
Based upon this information, you may decide to create a new web page or a whole new web site.
~*~ Lottery, More Than Just Gambling ~*~
A lottery is a popular form of gambling which involves the drawing of lots for a prize. There are some states where lottery is forbidden but others endorse it to the extend of organizing a national lottery. Lotteries date back to the period of Romans. And it was common for emperors to give their dinner party guests gifts like slaves to lavish villas after drawings. Two common lottery myths* Lottery is tax* Lottery take advantage of the poor economic strata of our society Lottery facts* In China lottery was first played to fund the Great Wall* U.S. lotteries helped fund the Colonial Army in the Revolutionary War* At one point of time many churches and universities such as Harvard, Yale and Princeton were funded in part by lotteries Where does the Lottery revenue expenditure go?
* A good amount of lottery earnings is spend on economic development of the country Steps are taken to improve job opportunities* Educational purposes* Human resources* Natural resources[environmental protection]* Transportation* Public health finance* Keeping apart money to improve the economic development of a country, lottery gains also go to cancer organizations, child care canters and places where it is needed Today, many religious and social organizations condemn lotteries saying that it’s a one way ticket to accumulating lots of wealth. Since lotteries lotteries tempt people to play with money and gain huge amounts back if they got lucky, it can easily become an addiction. Many individuals waste much money over lotteries and other gambling games without taking care of their families properly. This is unethical to a population of today’s society. Of course, it is not right to spend all the money you earn on lotteries. But by taking part in lotteries you contribute a little to the development of your own country. That’s why we say lotteries are not just about gambling. It’s a lot about winning and giving.
Gambling Tips::
In order for a player to enjoy a more pleasant and memorable time at a casino, while taking precautions to minimize one’s losses, it is very important to follow a basic set of gambling tips or guidelines.Understand the game: This may seem like a very obvious rule, but you would be surprised at how many people place bets on games they don’t fully understand. This rule may apply more to certain games (i.e. Roulette) than other games (i.e. Slots), but generally speaking, it is more advantageous for a player to fully understand the rules of a game before betting on it.Budget your money: Place a limit on the money that you can afford to gamble with and lose. Never exceed that amount or gamble with money that you can’t afford to lose. Leaving your ATM cards and credit cards at home may be a good way to ensure that you won’t be tempted to exceed your budget limit.Never borrow money to gamble: To fall into the habit of gambling with borrowed money is one of the most serious mistakes any person can make. Not only can one run the risk of falling heavily into debt and perhaps having to sell one’s possessions to payback the borrowed money, but the risk of alienating friends and family members, or infuriating the “money lenders” should be enough reason to avoid this practice at all costs.Pace yourself: Avoid betting all your money in one go. Remember, the objective is to have fun and enjoy yourself. If your gambling budget is $50, then place bets of $1 or $2 instead of betting the entire $50 on one single bet, losing it and walking away empty handed. As long as the entire sum of money is not lost in one single bet, the player has a chance to win.Know when to quit: Always quit while you’re ahead. The best time to quit is when you are ahead of the casino. Many players make the mistake of thinking that their streak of luck will last forever and continue to gamble until they eventually lose it all. This is mainly the result of overconfidence and greed.Chasing losses: "Chasing a loss" is a term used to describe the act of trying to win back money that was lost during a previous bet. The problem with this is that the player stands to lose even more money. In this case, it is better to just accept the loss and quit or continue playing for the sole purpose of just having fun.Maintain a low profile: Whether you are playing for fun or money, winning or losing, always maintain a low profile at a casino. The main reason for this is that one never knows what types of unsavoury characters may be present at a casino. It is in the best interest of every player not to draw attention to his/her own money or winnings.Emotional states: Never gamble when you are angry or depressed. Emotional states such as anger and depression usually cloud a person’s judgment and impair his/her ability to play the games properly. A person who is experiencing an intense emotional state usually lacks the ability to think as clearly as someone who is not.Don’t gamble alone: In some way, it is better to visit a casino with friends or family members if you are planning on gambling. Friends and family members will usually tell you if you are spending too much, drinking too much or not playing properly. In the very least, it is in everyone’s best interest to have a sober person in the group who can safely drive everyone home.Take frequent breaks: As in any other activity be it reading, writing or playing computer games, one should always take frequent breaks to feel refreshed and alert. Although this may not apply to a person who places a few bets before leaving the casino floor, it does apply to gambler who intends on spending a considerable amount of time betting in a casino.Have fun: Gambling should be viewed as a fun and exciting recreational activity as opposed to a means of making money. Even though most of us have heard of, or read about the occasional gambler who won the big jackpot that changed his/her life, this is usually not the case for the majority of players. Let’s face it. The glitz and glamour of casinos were not built on the good fortune of winners. Therefore always play for fun and never for the sole purpose of making money.Avoid alcohol: Never drink and gamble. Not only can alcohol impair one’s judgment, but it can also inflate one’s sense of self confidence to the point where the person gambles away money which he/she would never have gambled if he/she was sober. This is one of the main reasons as to why some casinos offer free alcohol to their players.Avoid distractions: Distractions can come in many forms from the occasional cellular phone ringing to the sexy girl walking past the table, and one should always be mentally prepared to ignore them in order to better focus on the game. Additionally, the loud sounds and flashing lights of a casino may look and sound very exciting, but they are not there to help you concentrate on the game. Try not to become distracted.By following these basic set of guidelines, one can enjoy his/her visit to a casino and have plenty of fun while minimizing the risk of falling into any financial difficulties.
* A good amount of lottery earnings is spend on economic development of the country Steps are taken to improve job opportunities* Educational purposes* Human resources* Natural resources[environmental protection]* Transportation* Public health finance* Keeping apart money to improve the economic development of a country, lottery gains also go to cancer organizations, child care canters and places where it is needed Today, many religious and social organizations condemn lotteries saying that it’s a one way ticket to accumulating lots of wealth. Since lotteries lotteries tempt people to play with money and gain huge amounts back if they got lucky, it can easily become an addiction. Many individuals waste much money over lotteries and other gambling games without taking care of their families properly. This is unethical to a population of today’s society. Of course, it is not right to spend all the money you earn on lotteries. But by taking part in lotteries you contribute a little to the development of your own country. That’s why we say lotteries are not just about gambling. It’s a lot about winning and giving.
Gambling Tips::
In order for a player to enjoy a more pleasant and memorable time at a casino, while taking precautions to minimize one’s losses, it is very important to follow a basic set of gambling tips or guidelines.Understand the game: This may seem like a very obvious rule, but you would be surprised at how many people place bets on games they don’t fully understand. This rule may apply more to certain games (i.e. Roulette) than other games (i.e. Slots), but generally speaking, it is more advantageous for a player to fully understand the rules of a game before betting on it.Budget your money: Place a limit on the money that you can afford to gamble with and lose. Never exceed that amount or gamble with money that you can’t afford to lose. Leaving your ATM cards and credit cards at home may be a good way to ensure that you won’t be tempted to exceed your budget limit.Never borrow money to gamble: To fall into the habit of gambling with borrowed money is one of the most serious mistakes any person can make. Not only can one run the risk of falling heavily into debt and perhaps having to sell one’s possessions to payback the borrowed money, but the risk of alienating friends and family members, or infuriating the “money lenders” should be enough reason to avoid this practice at all costs.Pace yourself: Avoid betting all your money in one go. Remember, the objective is to have fun and enjoy yourself. If your gambling budget is $50, then place bets of $1 or $2 instead of betting the entire $50 on one single bet, losing it and walking away empty handed. As long as the entire sum of money is not lost in one single bet, the player has a chance to win.Know when to quit: Always quit while you’re ahead. The best time to quit is when you are ahead of the casino. Many players make the mistake of thinking that their streak of luck will last forever and continue to gamble until they eventually lose it all. This is mainly the result of overconfidence and greed.Chasing losses: "Chasing a loss" is a term used to describe the act of trying to win back money that was lost during a previous bet. The problem with this is that the player stands to lose even more money. In this case, it is better to just accept the loss and quit or continue playing for the sole purpose of just having fun.Maintain a low profile: Whether you are playing for fun or money, winning or losing, always maintain a low profile at a casino. The main reason for this is that one never knows what types of unsavoury characters may be present at a casino. It is in the best interest of every player not to draw attention to his/her own money or winnings.Emotional states: Never gamble when you are angry or depressed. Emotional states such as anger and depression usually cloud a person’s judgment and impair his/her ability to play the games properly. A person who is experiencing an intense emotional state usually lacks the ability to think as clearly as someone who is not.Don’t gamble alone: In some way, it is better to visit a casino with friends or family members if you are planning on gambling. Friends and family members will usually tell you if you are spending too much, drinking too much or not playing properly. In the very least, it is in everyone’s best interest to have a sober person in the group who can safely drive everyone home.Take frequent breaks: As in any other activity be it reading, writing or playing computer games, one should always take frequent breaks to feel refreshed and alert. Although this may not apply to a person who places a few bets before leaving the casino floor, it does apply to gambler who intends on spending a considerable amount of time betting in a casino.Have fun: Gambling should be viewed as a fun and exciting recreational activity as opposed to a means of making money. Even though most of us have heard of, or read about the occasional gambler who won the big jackpot that changed his/her life, this is usually not the case for the majority of players. Let’s face it. The glitz and glamour of casinos were not built on the good fortune of winners. Therefore always play for fun and never for the sole purpose of making money.Avoid alcohol: Never drink and gamble. Not only can alcohol impair one’s judgment, but it can also inflate one’s sense of self confidence to the point where the person gambles away money which he/she would never have gambled if he/she was sober. This is one of the main reasons as to why some casinos offer free alcohol to their players.Avoid distractions: Distractions can come in many forms from the occasional cellular phone ringing to the sexy girl walking past the table, and one should always be mentally prepared to ignore them in order to better focus on the game. Additionally, the loud sounds and flashing lights of a casino may look and sound very exciting, but they are not there to help you concentrate on the game. Try not to become distracted.By following these basic set of guidelines, one can enjoy his/her visit to a casino and have plenty of fun while minimizing the risk of falling into any financial difficulties.
~*~ Find A Drug Rehab In Florida ~*~
When you're in need, the quickest way is the best: if you put “drug rehab in Florida” in your search engine, the first page it finds will be the right one. There you'll find all the information you need, including addresses, contact information as well as some number and explanations to how they are going to help drug addicts.Just be warned that there are two kinds of treatments: “inpatient” and “outpatient”. Unlike you probably think, both of them should be attended for a long time (the longer the better), the difference is elsewhere. “Inpatient” one requires patients to move to a rehab center, while “outpatient” allows them “onsite” drug rehab. In Florida there are plenty of treatments of both kinds - as far as I know the first ones are used to cure more serious cases, while the second is usually just prophylactics.Detox: a necessary step in drug rehab programs.Whichever kind of treatment you choose, detox will be the first step in your drug rehab. Florida is no exception here: at all treatment centers patients have to go through the detox. There are three stages of it:(1) Medical, when your body gets clear of narcotic. The process is supervised by doctors to ensure the safety of your health. When this stage ends, you may be sure that the most painful phase is behind you and you're ready to go to the next stage:(2) Physical detox. When you're no longer poisoned, the time comes to build up your ruined body. In this stage of drug rehab the most important person is your nutritionist, who helps you to create the diet that will suit your needs. It ends at the moment when your body is healthy. The only remaining problem is your psyche.(3) Emotional detox. Here comes the last, the least painful, but the most important part: curing your emotional addiction. Every drug rehab in Florida offers you some counseling in the process. It doesn't really matter what exactly they do. All of it works as long as you COMPLETE THE PROCESS. After three-four months of therapy your addiction is no more as long as you don't start it again - and that's why you need this stage. You have started to use drugs for some reasons, haven't you?Jeff Lakie is the founder of http://www.alcohol-treatment-program.com a website providing information on drug and alcohol abuse treatments.
Drug And Alcohol
Just what is addiction, you asked? Addiction is a physiological dependence on something, and is both physical and psychological in nature. When a person is addicted they literally need to feed that addiction constantly. Addiction is a traitor it sneaks up on you. People who are addicted often do not recognize that they have a problem, they think that the problem is with everyone. Addiction is different from abuse, a person can abuse drugs and not be addicted. The two most vital factors in determining addiction are tolerance and physical dependency. Addiction is very destructive, and most of the time people who are suffering from it end up hurting themselves and their love ones. It is hard to overcome but once the person began to see addiction as a problem in their life they can immediately seek alcoholism treatment or addiction treatment.
Teens partying late at night and imbibing drugs and alcohol for added fun, often dominated the silver screen. Quite a pretty picture isn't it? Oftentimes teens see it as an epitome. Although Hollywood does its part to show a different side of alcohol and drug addiction with movies like "Trainspotting" and "Girl Interrupted", the character still ended up being glamorous and ideal in nature and often overshadows the dark side of addiction. It is important to look at this depiction with a cynic eye. Movies are after all for entertainment purposes only, and there is nothing remotely entertaining about the reality of alcohol abuse and drug addiction. Addiction can be hell on earth and life in an Alcohol rehab and Drug Rehab can be a nightmare.
Illegal drugs and alcohol are addicting. Records show that the younger you are when you experiment with illegal drugs or alcohol you are more prone to become an addict in the future. Addiction often runs in families; you do not choose addiction, addiction chooses you. Experimenting with drugs and alcohol is a gamble, and the stake is your life, your personality, and your future.
Individuals often hide their drinking or deny that the fact that they have a problem. Signs of a possible alcoholism include having friends or relatives express concern, being irritated when people comment on their drinking, feeling guilty about their excessive alcohol consumption and thinking that they should moderate it but finds themselves unable to do so, or needs a morning drink to steady their nerves or relieve a hangover.
On the other hand, drug dependence often begins with the misuse of legal drugs like prescription drugs and inhalants. Inhalants are legal substances that becomes illegal when use in a manner that causes a person to get high. These also include aerosol cleaners, gasoline, cleaning fluids, butane, and acetone. These things are legal to sell or buy however, they are not controlled substances and they are relatively cheap when compared with drugs.
People with addiction work hard to resolve them, and with the support of family members and friends they are able to recover on their own. However in most cases, people they usually cannot stop drinking or using drugs by willpower alone. A lot of them require outside help, mostly from Alcohol Rehab or Drug Rehab. Alcoholism treatment and addiction treatment may need medically supervised detoxification to avoid possible life-threatening withdrawal symptoms such as seizures and convulsion. Once they are stabilized, they need help resolving psychological issues associated with their problem drinking.
a free professional consultation to get help for yourself or a loved one call 800-559-9503 anytime day or night or visit
1 http://www.helpaddicts.com
2 http://www.drugrehabcenter.com
3 http://www.dual-diagnosis.net
4 http://www.detox-center.com
Drug And Alcohol
Just what is addiction, you asked? Addiction is a physiological dependence on something, and is both physical and psychological in nature. When a person is addicted they literally need to feed that addiction constantly. Addiction is a traitor it sneaks up on you. People who are addicted often do not recognize that they have a problem, they think that the problem is with everyone. Addiction is different from abuse, a person can abuse drugs and not be addicted. The two most vital factors in determining addiction are tolerance and physical dependency. Addiction is very destructive, and most of the time people who are suffering from it end up hurting themselves and their love ones. It is hard to overcome but once the person began to see addiction as a problem in their life they can immediately seek alcoholism treatment or addiction treatment.
Teens partying late at night and imbibing drugs and alcohol for added fun, often dominated the silver screen. Quite a pretty picture isn't it? Oftentimes teens see it as an epitome. Although Hollywood does its part to show a different side of alcohol and drug addiction with movies like "Trainspotting" and "Girl Interrupted", the character still ended up being glamorous and ideal in nature and often overshadows the dark side of addiction. It is important to look at this depiction with a cynic eye. Movies are after all for entertainment purposes only, and there is nothing remotely entertaining about the reality of alcohol abuse and drug addiction. Addiction can be hell on earth and life in an Alcohol rehab and Drug Rehab can be a nightmare.
Illegal drugs and alcohol are addicting. Records show that the younger you are when you experiment with illegal drugs or alcohol you are more prone to become an addict in the future. Addiction often runs in families; you do not choose addiction, addiction chooses you. Experimenting with drugs and alcohol is a gamble, and the stake is your life, your personality, and your future.
Individuals often hide their drinking or deny that the fact that they have a problem. Signs of a possible alcoholism include having friends or relatives express concern, being irritated when people comment on their drinking, feeling guilty about their excessive alcohol consumption and thinking that they should moderate it but finds themselves unable to do so, or needs a morning drink to steady their nerves or relieve a hangover.
On the other hand, drug dependence often begins with the misuse of legal drugs like prescription drugs and inhalants. Inhalants are legal substances that becomes illegal when use in a manner that causes a person to get high. These also include aerosol cleaners, gasoline, cleaning fluids, butane, and acetone. These things are legal to sell or buy however, they are not controlled substances and they are relatively cheap when compared with drugs.
People with addiction work hard to resolve them, and with the support of family members and friends they are able to recover on their own. However in most cases, people they usually cannot stop drinking or using drugs by willpower alone. A lot of them require outside help, mostly from Alcohol Rehab or Drug Rehab. Alcoholism treatment and addiction treatment may need medically supervised detoxification to avoid possible life-threatening withdrawal symptoms such as seizures and convulsion. Once they are stabilized, they need help resolving psychological issues associated with their problem drinking.
a free professional consultation to get help for yourself or a loved one call 800-559-9503 anytime day or night or visit
1 http://www.helpaddicts.com
2 http://www.drugrehabcenter.com
3 http://www.dual-diagnosis.net
4 http://www.detox-center.com
~*~ Mesothelioma ~*~
Mesothelioma (cancer of the mesothelium) is a disease in which cells
of the mesothelium become abnormal and divide without control or
order. They can invade and damage nearby tissues and organs. Cancer
cells can also metastasize (spread) from their original site to other
parts of the body. Most cases of mesothelioma begin in the pleura or
peritoneum.
How common is mesothelioma?
Although reported incidence rates have increased in the past 20
years, mesothelioma is still a relatively rare cancer. About 2,000
new cases of mesothelioma are diagnosed in the United States each
year. Mesothelioma occurs more often in men than in women and risk
increases with age, but this disease can appear in either men or
women at any age.
What are the risk factors for mesothelioma?
Working with asbestos is the major risk factor for mesothelioma. A
history of asbestos exposure at work is reported in about 70 percent
to 80 percent of all cases. However, mesothelioma has been reported
in some individuals without any known exposure to asbestos.
Who is at increased risk for developing mesothelioma?
Since the early 1940s, millions of American workers have been exposed
to asbestos dust. Initially, the risks associated with asbestos
exposure were not known. However, an increased risk of developing
mesothelioma was later found among shipyard workers, people who work
in asbestos mines and mills, producers of asbestos products, workers
in the heating and construction industries, and other tradespeople.
The risk of asbestos-related disease increases with heavier exposure
to asbestos and longer exposure time. However, some individuals with
only brief exposures have developed mesothelioma. On the other hand,
not all workers who are heavily exposed develop asbestos-related
diseases.
There is some evidence that family members and others living with
asbestos workers have an increased risk of developing mesothelioma,
and possibly other asbestos-related diseases. This risk may be the
result of exposure to asbestos dust brought home on the clothing and
hair of asbestos workers.
What are the symptoms of mesothelioma?
Symptoms of mesothelioma may not appear until 30 to 50 years after
exposure to asbestos. Shortness of breath and pain in the chest due
to an accumulation of fluid in the pleura are often symptoms of
pleural mesothelioma. Symptoms of peritoneal mesothelioma include
weight loss and abdominal pain and swelling due to a buildup of fluid
in the abdomen. Other symptoms of peritoneal mesothelioma may include
bowel obstruction, blood clotting abnormalities, anemia, and fever.
If the cancer has spread beyond the mesothelium to other parts of the
body, symptoms may include pain, trouble swallowing, or swelling of
the neck or face.
These symptoms may be caused by mesothelioma or by other, less
serious conditions. It is important to see a doctor about any of
these symptoms. Only a doctor can make a diagnosis.
More asbestos and mesothelioma information is available online, but
hopefully this is a start. Mesothelioma lawyers are also available
and may be able to assist you. Mesothelioma lawyers specialize in
mesothelioma law and related cases, so if you decide, contact a
mesothelioma
Structured Settlement
A Structured Settlement is an agreement between a personal injury
victim ( a Plaintiff ) and an Insurance company ( the Defendant ) to
compensate the Plaintiff by the defendant with long term periodic
payments instead of a single cash lump sum.Payments can be tailored
to each individual plaintiffs needs, to help meet expenses such as
on-going medical and living expenses, education, children needs &
support etc’ The fixed annuity payments are tax-free to the claimant,
a cost-of-living adjustment (COLA) feature is available, that can
help offset the effects of inflation over time, payments can continue
as long as the claimant lives thus providing him the maximum
benefits.Structured settlements are encouraged by plaintiffs lawyers,
Courts, Insurance companies and the legislators alike as they all
agree it is the best solution to all parties involved especially for
the claimant.The annuity can be transformed in part or in full to a
cash lump sum via private funds and should be approved by the Court.
The funds are most interested to make these deals as they are very
profitable to them because they take the long term tax free payments
and in exchange pay the annuity holder less than the face value but
in cash.These same funds are handling Lottery winners long term
payments into one single lump sum as well as all kinds services of
cash against future payments.
of the mesothelium become abnormal and divide without control or
order. They can invade and damage nearby tissues and organs. Cancer
cells can also metastasize (spread) from their original site to other
parts of the body. Most cases of mesothelioma begin in the pleura or
peritoneum.
How common is mesothelioma?
Although reported incidence rates have increased in the past 20
years, mesothelioma is still a relatively rare cancer. About 2,000
new cases of mesothelioma are diagnosed in the United States each
year. Mesothelioma occurs more often in men than in women and risk
increases with age, but this disease can appear in either men or
women at any age.
What are the risk factors for mesothelioma?
Working with asbestos is the major risk factor for mesothelioma. A
history of asbestos exposure at work is reported in about 70 percent
to 80 percent of all cases. However, mesothelioma has been reported
in some individuals without any known exposure to asbestos.
Who is at increased risk for developing mesothelioma?
Since the early 1940s, millions of American workers have been exposed
to asbestos dust. Initially, the risks associated with asbestos
exposure were not known. However, an increased risk of developing
mesothelioma was later found among shipyard workers, people who work
in asbestos mines and mills, producers of asbestos products, workers
in the heating and construction industries, and other tradespeople.
The risk of asbestos-related disease increases with heavier exposure
to asbestos and longer exposure time. However, some individuals with
only brief exposures have developed mesothelioma. On the other hand,
not all workers who are heavily exposed develop asbestos-related
diseases.
There is some evidence that family members and others living with
asbestos workers have an increased risk of developing mesothelioma,
and possibly other asbestos-related diseases. This risk may be the
result of exposure to asbestos dust brought home on the clothing and
hair of asbestos workers.
What are the symptoms of mesothelioma?
Symptoms of mesothelioma may not appear until 30 to 50 years after
exposure to asbestos. Shortness of breath and pain in the chest due
to an accumulation of fluid in the pleura are often symptoms of
pleural mesothelioma. Symptoms of peritoneal mesothelioma include
weight loss and abdominal pain and swelling due to a buildup of fluid
in the abdomen. Other symptoms of peritoneal mesothelioma may include
bowel obstruction, blood clotting abnormalities, anemia, and fever.
If the cancer has spread beyond the mesothelium to other parts of the
body, symptoms may include pain, trouble swallowing, or swelling of
the neck or face.
These symptoms may be caused by mesothelioma or by other, less
serious conditions. It is important to see a doctor about any of
these symptoms. Only a doctor can make a diagnosis.
More asbestos and mesothelioma information is available online, but
hopefully this is a start. Mesothelioma lawyers are also available
and may be able to assist you. Mesothelioma lawyers specialize in
mesothelioma law and related cases, so if you decide, contact a
mesothelioma
Structured Settlement
A Structured Settlement is an agreement between a personal injury
victim ( a Plaintiff ) and an Insurance company ( the Defendant ) to
compensate the Plaintiff by the defendant with long term periodic
payments instead of a single cash lump sum.Payments can be tailored
to each individual plaintiffs needs, to help meet expenses such as
on-going medical and living expenses, education, children needs &
support etc’ The fixed annuity payments are tax-free to the claimant,
a cost-of-living adjustment (COLA) feature is available, that can
help offset the effects of inflation over time, payments can continue
as long as the claimant lives thus providing him the maximum
benefits.Structured settlements are encouraged by plaintiffs lawyers,
Courts, Insurance companies and the legislators alike as they all
agree it is the best solution to all parties involved especially for
the claimant.The annuity can be transformed in part or in full to a
cash lump sum via private funds and should be approved by the Court.
The funds are most interested to make these deals as they are very
profitable to them because they take the long term tax free payments
and in exchange pay the annuity holder less than the face value but
in cash.These same funds are handling Lottery winners long term
payments into one single lump sum as well as all kinds services of
cash against future payments.
Sunday, July 20, 2008
Money For Every one
How I Earn Lakhs of Rupees by Investing Just Rs.300 in less than 7 days?
Hello gentleman,
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Nobody loves me, nobody cares
Nobody loves me, nobody cares
If life is empty and full of tears
I longed for true love, searched everywhere
Nobody loves me, nobody cares
Searching for true love has been in vain
Two years my heart has suffered with pain
Lifes lonesome burden now I must bear
Nobody loves me, nobody cares
Nights on my pillow, I dream of love
though space I gaze at the stars above
They seem to whisper from way up there
Nobody loves you, nobody cares
A lonesome heart and a troubled mind
In this old world now is all find
I look to heaven for I know there
Someone will love, someone will care
If life is empty and full of tears
I longed for true love, searched everywhere
Nobody loves me, nobody cares
Searching for true love has been in vain
Two years my heart has suffered with pain
Lifes lonesome burden now I must bear
Nobody loves me, nobody cares
Nights on my pillow, I dream of love
though space I gaze at the stars above
They seem to whisper from way up there
Nobody loves you, nobody cares
A lonesome heart and a troubled mind
In this old world now is all find
I look to heaven for I know there
Someone will love, someone will care
Nobody likes me, everybody hates me
Version I:
Nobody likes me, everybody hates me,
Guess I'll go eat worms,
Long, thin, slimy ones; Short, fat, juicy ones,
Itsy, bitsy, fuzzy wuzzy worms.
Down goes the first one, down goes the second one,
Oh how they wiggle and squirm.
Up comes the first one, up comes the second one,
Oh how they wiggle and squirm.
Version II:
Nobody likes me, everybody hates me,
Think I'll go eat worms.
Big fat juicy ones, Eensie weensy squeensy ones,
See how they wiggle and squirm.
Chomp off their heads and squeeze out the juice
And throw their tails away
Nobody knows how I survive
On worms three times a day.
Version III:
Nobody likes me, everybody hates me
I'm goin' down the garden to eat worms
Long thin slimy ones, short fat fuzzy ones
Ooey gooey, ooey gooey worms
Long thin slimy ones slip down easily
Short fat fuzzy ones don't
Short fat fuzzy ones stick in your teeth
And the juice goes slurpin' (slurping noise) down your throat
Version IV:
Nobody likes me, everybody hates me,
think I'll go eat worms...
big fat juicy ones, little slimy skinny ones,
hope they don't have germs!"
Nobody likes me, everybody hates me,
Guess I'll go eat worms,
Long, thin, slimy ones; Short, fat, juicy ones,
Itsy, bitsy, fuzzy wuzzy worms.
Down goes the first one, down goes the second one,
Oh how they wiggle and squirm.
Up comes the first one, up comes the second one,
Oh how they wiggle and squirm.
Version II:
Nobody likes me, everybody hates me,
Think I'll go eat worms.
Big fat juicy ones, Eensie weensy squeensy ones,
See how they wiggle and squirm.
Chomp off their heads and squeeze out the juice
And throw their tails away
Nobody knows how I survive
On worms three times a day.
Version III:
Nobody likes me, everybody hates me
I'm goin' down the garden to eat worms
Long thin slimy ones, short fat fuzzy ones
Ooey gooey, ooey gooey worms
Long thin slimy ones slip down easily
Short fat fuzzy ones don't
Short fat fuzzy ones stick in your teeth
And the juice goes slurpin' (slurping noise) down your throat
Version IV:
Nobody likes me, everybody hates me,
think I'll go eat worms...
big fat juicy ones, little slimy skinny ones,
hope they don't have germs!"
Saturday, July 19, 2008
Top Ten Antivirus for 2008
1 Kaspersky Antivirus
Kaspersky also receives a perfect score on our review, passes nearly all of the major virus tests, has hourly definition updates and offers an extensive feature set. This is the “Top Ten REVIEWS Silver Award”anti-virus software.
Download Full Version Via Rapidshare: http://rapidshare.com/files/35431643/Kaspersky-7.0.0.119_key_tr_setup.rar
=============================================
2 Trend Micro Antivirus
Get real–time monitoring and antispyware protection with Trent Micro Anti–Virus plus spyware. Formally known as PC-Cillin, this program comes with free email, chat and telephone support and works with all versions of Vista
Download Trail Version Via Web:Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/20973692/pc-cillin2007.rar
=============================================
3 McAfee Antivirus
McAfee is an industry leader in computer protection and Virus Scan is their #1 defense against viruses. This software comes with a Script Stopper, to prevent virus to propagate from one computer to another via email, and Worm Stopper.
Download Trail Version Via Web:Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/69112750/McAfee.Total.Protection.With.SiteAdvisor.2008.rar
=============================================
4 BitD
efender Antivirus
The best line of defense against computer viruses, spy ware, hackers and spam is BitDefender 2008, our #1 ranked anti–virus software and winner of “Top Ten REVIEWS Gold Award.” BitDefender 2008 is an outstanding product with a user–friendly interface that will scan all existing files on your computer, all incoming and outgoing emails, IM transfers and all other network traffic.
Download Trail Version Via Web:Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/31493535/BitDefender_Antivirus_Plus_10.2.rar
=============================================
5 AVG Antivirus
AVG Anti-Virus has everything you need in an antivirus program: email scanning to include email attachments, boot scanning and auto updating of the virus definitions. From the basic interface, you can quickly do one of three tests: the Complete Test, Removable Media Test and Quick Test.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare:
http://rapidshare.com/files/20995680/AVG.Anti-Virus.v7.1.405.791.Incl.Keygen-SSG.rar
=============================================
6 CA Antivirus
Formerly known as eTrust EZ Antivirus, CA Antivirus is an easy-to-use program that's good for computer novices and does a good job protecting your files and your computer from viruses.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/53737976/CA_Antivirus_2007_v8.3.0.3.rar
=============================================
7 Avast Antivirus
When you open AVAST 4 you'll find two different interfaces-one for the average user and one that is for the more advanced user. The simple interface has the look and feel similar to that of DVD player software. It is very easy to use and navigate. The advanced interface provides plenty of options to customize the program to fit your needs.
This software provides good protection with the on-demand scanner and the resident scanner. The email protection is adequate for POP3, SMTP and IMAP accounts.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/55931318/Avast.Pro.v4.7.1043.rar
=============================================
8 PCTool Antivirus
PC Tools AntiVirus program is easy to use and navigate. You can choose from two different scans. The full scan is what the average user will most often use. This will scan your entire computer. The other is a custom scan where you can choose which files you would like to scan.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare:
http://rapidshare.com/files/76976096/PC.Tools.Internet.Security.v2008-YAG.rar
=============================================
9 Norton Antivirus
Norton, a big player in security software, offers competitive antivirus protection. The Anti Virus 2007 suite is easy to use and has extensive security features to protect your PC from malicious programs. Some of this protection includes instant messaging scanning, script blocking and POP3 and SMTP email protection. However, this software doesn’t provide protection from P2P or file sharing transfers
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare:
http://rapidshare.com/files/57498720/NAV-2007-Vista-by_iurkin.rar
=============================================
10 F-Secure ANTIVIRUS
F-Secure AntiVirus is a user-friendly program loaded with scanning capabilities that will keep your PC secure and safe. This suite provides registry startup protection and screens emails and instant messages-to name just a few of its defensive features.
Download Full Version Via Rapidshare:
http://rapidshare.com/files/23826798/F-SECURE.CLIENT.SECURITY.V7-DWP.rar
Kaspersky also receives a perfect score on our review, passes nearly all of the major virus tests, has hourly definition updates and offers an extensive feature set. This is the “Top Ten REVIEWS Silver Award”anti-virus software.
Download Full Version Via Rapidshare: http://rapidshare.com/files/35431643/Kaspersky-7.0.0.119_key_tr_setup.rar
=============================================
2 Trend Micro Antivirus
Get real–time monitoring and antispyware protection with Trent Micro Anti–Virus plus spyware. Formally known as PC-Cillin, this program comes with free email, chat and telephone support and works with all versions of Vista
Download Trail Version Via Web:Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/20973692/pc-cillin2007.rar
=============================================
3 McAfee Antivirus
McAfee is an industry leader in computer protection and Virus Scan is their #1 defense against viruses. This software comes with a Script Stopper, to prevent virus to propagate from one computer to another via email, and Worm Stopper.
Download Trail Version Via Web:Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/69112750/McAfee.Total.Protection.With.SiteAdvisor.2008.rar
=============================================
4 BitD
efender AntivirusThe best line of defense against computer viruses, spy ware, hackers and spam is BitDefender 2008, our #1 ranked anti–virus software and winner of “Top Ten REVIEWS Gold Award.” BitDefender 2008 is an outstanding product with a user–friendly interface that will scan all existing files on your computer, all incoming and outgoing emails, IM transfers and all other network traffic.
Download Trail Version Via Web:Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/31493535/BitDefender_Antivirus_Plus_10.2.rar
=============================================
5 AVG Antivirus
AVG Anti-Virus has everything you need in an antivirus program: email scanning to include email attachments, boot scanning and auto updating of the virus definitions. From the basic interface, you can quickly do one of three tests: the Complete Test, Removable Media Test and Quick Test.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare:
http://rapidshare.com/files/20995680/AVG.Anti-Virus.v7.1.405.791.Incl.Keygen-SSG.rar
=============================================
6 CA Antivirus
Formerly known as eTrust EZ Antivirus, CA Antivirus is an easy-to-use program that's good for computer novices and does a good job protecting your files and your computer from viruses.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/53737976/CA_Antivirus_2007_v8.3.0.3.rar
=============================================
7 Avast Antivirus
When you open AVAST 4 you'll find two different interfaces-one for the average user and one that is for the more advanced user. The simple interface has the look and feel similar to that of DVD player software. It is very easy to use and navigate. The advanced interface provides plenty of options to customize the program to fit your needs.
This software provides good protection with the on-demand scanner and the resident scanner. The email protection is adequate for POP3, SMTP and IMAP accounts.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare: http://rapidshare.com/files/55931318/Avast.Pro.v4.7.1043.rar
=============================================
8 PCTool Antivirus
PC Tools AntiVirus program is easy to use and navigate. You can choose from two different scans. The full scan is what the average user will most often use. This will scan your entire computer. The other is a custom scan where you can choose which files you would like to scan.
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare:
http://rapidshare.com/files/76976096/PC.Tools.Internet.Security.v2008-YAG.rar
=============================================
9 Norton Antivirus
Norton, a big player in security software, offers competitive antivirus protection. The Anti Virus 2007 suite is easy to use and has extensive security features to protect your PC from malicious programs. Some of this protection includes instant messaging scanning, script blocking and POP3 and SMTP email protection. However, this software doesn’t provide protection from P2P or file sharing transfers
Download Trail Version Via Web: Download
Download Full Version Via Rapidshare:
http://rapidshare.com/files/57498720/NAV-2007-Vista-by_iurkin.rar
=============================================
10 F-Secure ANTIVIRUS
F-Secure AntiVirus is a user-friendly program loaded with scanning capabilities that will keep your PC secure and safe. This suite provides registry startup protection and screens emails and instant messages-to name just a few of its defensive features.
Download Full Version Via Rapidshare:
http://rapidshare.com/files/23826798/F-SECURE.CLIENT.SECURITY.V7-DWP.rar
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