Thursday, August 18, 2011

What is Two Cycle Billing?

The term “two cycle billing” may not be common knowledge to all credit card users, but it is a concept that everyone should be aware of. Some issuers have been moving away from the average daily billing cycle and changing over to the two cycle way of calculating the interest earned on balances. Two cycle billing does not greatly affect users that tend the carry a balance, but it does however affect cardholders that pay there balance off monthly.



In order to understand two cycle billing you must first understand the average daily billing method, which will now be explained. Let’s say that you own a credit card with a 15% interest rate and your billing cycle for the month of April runs from the 1st through the 30th of the month. At the beginning of the month you have a balance of $0 on the card. Now, on the 10th of April you make a purchase of $1000, which means you are going to carry that balance for 20 days until the current billing cycle ends. You must now calculate the average daily balance for the month of April. To do so you must first multiply the balance of the card by the number of days the balance was carried ($1000 × 20 days = 20,000), then you will divide that number by the total days in the billing cycle (20,000 ÷ 30 = 666.67). You have now figured out that your average daily balance for April would be $666.67. If this card uses the average daily billing cycle and you started the month with a $0 balance, there will be no interest charged as long as the April balance is paid off in full. This billing cycle essentially gives you a grace period on purchases as long as the balance is paid off in full each month. But, if this credit card uses the two cycle billing method, you would be charged interest for the month of April when you receive your bill in May because your average daily balance is based on the last 2 billing cycles. So, when you receive your bill for May, you will have a finance charge that is due, even though your balance was paid off in full for April and you didn’t make any purchases with the card in May. In order to figure out how much your interest would be, you will take the average daily balance × number of days in the billing cycle × periodic interest rate. Below are the calculations to figure out your interest due in May.



Average daily balance 1000 × 20 ÷ 61 = 327.87

Number of days in billing cycle 30 + 31 = 61

Periodic interest rate 15 ÷ 365 = .0411

Finance charge for May 327.87 × 61 × .000411 = 8.22



Based on the interest rate of 15% stated above, you will receive a bill in May that shows a finance charge of $8.22 even though the balance was paid in full in April. As you can now see, the two cycle billing method of calculating interest is not ideal for users that choose to pay there balance of in full each month. Essentially, a two cycle billing card will start charging interest from the day the purchases is made, which will eliminate the grace period that is provided by a card that uses the average daily billing method.

How To Make Money With Domain Name Investing

Domain name investing is becoming a fairly popular way to make a lot of money on the Internet. It's relatively simple to get involved in and can pay rather big dividends for a very small investment. Understanding what it is and how it works can open the door for lucrative returns.



Domaining, as it is often called, involves nothing more than buying website domain names and parking them through parking services or selling them to others. The prospect takes a little time to master, but the returns can be worth the effort. The financial returns tend to come in one of two different ways - ad revenue or resale value.



Starting out in domaining involves buying website names and having them registered and parked or reselling them to other investors. How much of a return an investor will make will depend on the traffic a particular domain name pulls in or how sought after the name tends to be by others.



There are several ways to determine what kinds of domain names to buy and register. The most common ways center on "type-ins" or "typos." Typos are nothing more than sites whose names are similar to other existing websites or brand name products. The typo sites obtain natural traffic when people accidentally mistype website names or brand name product names into their search engines. This kind of buying tends to be a little tricky, most especially when brand name products are being used. Many investors don't like the typo route because of potential legal issues that can arise. Another option is to buy actual "type-ins." These are names that reflect common web searches. For example, "babygirlclothing" or other real terms and words that are used in searches are used for the domain names. This route is considered more above board. A final option for picking sites is to find those that were formerly used and still have traffic and backlinks. Buying these and parking or reselling them can return decent rewards.



There are many options to go about buying and selling domain names. Some people buy domain names in bulk from places like Moniker.com and then research them to see if they have money-making potential. Other options include going through domaining forums, such as NamePros.com or DNForum.com. These sites are used for buying and selling domain names. These are traded just like real estate might be bought and sold. It is a buyer beware kind of world though. Not all deals come through in the end. Some sites offer a seller and buyer ranking system to enable buyers to check out the integrity of a transaction. Other options for protection include escrowing the money through a payment service, which I prefer.



Arriving at the real value of a domain name can be the hardest part of this venture. The price and value tends to hinge on what a buyer believes a name is worth. Buyers can, however, request revenue and traffic reports in some cases to help them figure a fair price.



After domains have been chosen and purchased, there are several ways to actually make money off them without doing too much work. Parking service sites are the most common way to achieve this. These services let investors "park" their sites with little or no content. This means the sites will pop up as a result of an Internet search. Although content doesn't come along with a parking package, a landing page can have text ads. The owner of the domain will get paid for the returns on the ads. Another option for making money involves nothing more than selling the names to other investors for further development or for them to park themselves.



There are a few rules of the road for parking services, such as Sedo and Parked.com, that need to be kept in mind. While these services will allow text ads on parked pages, they don't allow for a lot of backlink generation. They expect traffic to come in through natural, organic means. This means by accidental hits, normal searches or backlinks that were present from the past. It is possible to have pages taken down by parking services if they are generating more traffic than what comes naturally.



The practice of domaining is a fairly simply way to make money on the Internet. It doesn't take a lot of work to get involved with. Becoming a master of the practice does take some time. Although some forms of the practice are considered unfair and even shady, the overall practice is not and it does work to make a lot of people a fair amount of money.

Lowering Your Credit Card Debt

Most of us have accrued a significant amount of credit card debt. Of course, I'm sure we've all heard that more than once, right? It's become quite personal, correct? I bet your high credit card debt is driving you crazy.



Alright, take a chill pill. Don't be so fast to file for bankruptcy. Bear in mind that it's most advantageous for your creditor to work with you to bring things back into line.



So, below are a couple of ideas to help you manage your credit card debt:



Foremost, get in touch with the company that issued your credit card. Let them know about what is going on with your finances. Request that they lower your credit card interest rate, or request a lowered payment plan in order to repay. Quite often people don't think of this because the are normally polite. It's to your advantage to keep courteous when speaking with your credit card issuer. Stay firm, and polite, but conduct yourself in a manner that says "I know exactly what I want and I expect to receive it". If you have any doubts about what you might be asking for, you might consider taking the time to contact a credit counseling service with a good reputation. There are many honest firms out there where the #1 purpose is to help you in working with your creditors.



Ok, now stop the credit cards from being used. Tear them up, or run them through the shredder. Do whatever you need to to keep them from ending up in your wallet or purse. Allowing them back in there will only create more temptation for you to use them again, perpetuating the problem even more.



Actually, this can be one of the most difficult parts of lowering your credit card debt. You seem addicted to spending money that you don\'t have available to spend. So, you have to quick the habit- COLD TURKEY.



Begin paying the credit cards off with the higher interest rate first. Work down from there. How is that done? Focus your efforts on the high interest rate credit cards by paying more than the minimum payment each and every month. The minimum amount is just designed to keep you enslaved for longer, anyway.



Credit card issuers aren't in business just to lose money. It's in their best "interest", contrary to yours, to keep you making payments for the longest amount of time possible. If you can just pay a small amount each month, it's better in the long run than just skipping the payment.



In the end hold your head high and keep the happy attitude. Many folks just like you have started to cut their credit card debt using these steps. You will, too!

Selling Books on Amazon

Amazon is perhaps one of the most successful businesses that the web has furnished since the Internet Boom. Known for selling books online, the website attracts millions of visitors every day. Some buy books while others just surf and look for new ones in the market. Although it is set-up like any other online store in the country, the Amazon provides great service that is hard to surpass.



Whether it is because of their strength in the market or the continuous upgrading of their site, Amazon has remained to be a market leader for years. What makes Amazon such a hit ? What makes their service different from other sites ? Selling Books on Amazon teaches you how to create your own cash generating business. Discover just how exciting your life can become



1. Visual representations



One important element that Amazon has in its website is the use of visuals and photographs of books. This is a good way to entice people into buying their books. It is also a good guide for people who are purchasing books that have different editions and versions. For instance, a business book will have different editions depending on where it is published and what publishing house made it. People who are looking for a specific version will find the pictures a big help.



2. Professional reviews



Another advantage of selling books on amazon is that other websites has in its site reviews of the book from professionals who are really adept in analyzing and critiquing novels and various kinds of literature. Through this, you can find a no holds barred opinion on what the book is about.



3. User reviews



Amazon.com also has user review corners, which anybody can make use of. People who want to have their opinions about the book heard can upload their reviews, comments or whatever else that they want to say about the book. This way, people will be able to know just what the public thinks about the novel.



4. Easy payment system



Amazon is convenience in your fingertips. With just clicking the book and then supplying your credit card information, you can already have the book delivered at your doorstep. You do not even have to move any muscles. Its easy payment system is one of the great conveniences that the site gives. Of course, the price can be pretty expensive if you add up the delivery charge but this is perfect for people who just do not have the time to shop but have lots of money to burn.



5. Cut-off prices



Amazon oftentimes cut off their prices especially for book, which are not so saleable but have lots of stocks left. Hard to find books can sometimes be found here.



6. Synopsis and other details



Amazon provides the complete details of the book, sometimes even posting an excerpt of the book. The experience is actually like shopping inside a bookstore except that you are inside your house and clicking the mouse instead of turning the pages. This is way better than the title and author that other websites provide.



7. Speed of connection



Despite its many graphics and materials, Amazon is a breeze to use. One click and you will already have in front of you the picture of the book as well as all the details that come with it. You do not have to wait ten years just to be able to complete one page unlike other websites that have really slow connections.

Things That Chuck Didn't Tell You

More things that are left out when you”Talk to Chuck”



As promised,I am continuing with some peculiarities of the Charles Schwab brokerage; not advertised for obvious reasons,which have caused aggravation and large losses for me over the years(that’s right… years).Hopefully when you are evaluating prospective Brokers you can use my misfortune to avoid the same problems.



Now as one of the original online brokers,Schwab uses a trading platform which is a “detuned” version of a acquisition they made years ago;Cyber Trader,at the time that company was regarded as having one of the most advanced trading platforms around,which may have been why they bought it; to integrate the trading software into the larger brokerage.Now that was a long time ago,and that trading platform that was state of the art,no longer is,yet Schwab persists in using this platform under the name “street smart pro”.It is neither.



None of that would be that big of a deal if they used there considerable resources and IT department to fix known flaws in the platform.Or replaced it.They just release new versions(read;add ons) with the same known bugs.This trading platform like most ;allows the customer to cancel replace quantity and prices of securities open orders by the customer in order to adapt to market conditions.Obviously this is extremely key feature that must function flawlessly with the increased volatility and quick price moves prevalent in the hedge fund dominated stock market.



The problem is; sometimes the trading platform will lock in the middle of a cancel replace cycle,or if there is a partial execution while the order is executed at the old price.What does this results in?let’s say you were attempting to sell 1000 shares of stock @$ 20.64 you then cancel replace to 20.4 because the price started to move away,but in the mean time you had a partial execution of 173 shares@ the original$ 20.64,the stock continues to fade so you lower your offer to sell to$20.2.This platform will sometimes not execute the remaining portion of the order.Not good ….but not a disaster yet!.The work around procedure should be to cancel the whole order.and start a new order”ticket” (in broker parlance )for the remaining shares not sold right?..and by the way this conveniently ends the original “ticket” which creates a separate commission charge for the portion not sold..that is now a new order.



Well there should be no problem selling the 1000-173=827 shares left right?Wrong! the trading platform doesn’t recognize that the securities have not been sold since the software cannot tell it has not executed,so therefore it will not permit the sale of the remaining stake you were trying to sell.Now what can be done now that the stock is sinking and you want to sell!!! get out!!!. First time this happened in 2002 (that’s right…. that how long they have know of this defect!)I assumed that it would be a matter of calling up the IT department and having them “unlock “the software glitch.That turned out to be a fantasy!,one that Schwab employees encourage by telling the customer; “the order should go through now,it’s all unlocked”.They actually can’t unlock it.The only way to sell the security is with a phone order,then you can beg them to reduce the commission since the order had to be replaced due to a defect in there trading platform.



At one time , discount broker’s had large staffs to take telephone trades.Those days are gone!.Today when this happened i was on hold for 15 minutes waiting for a broker to answer phone ;as usually happens the market moves against you.Telephone trades are simply two slow(even without the 15 minute wait) when you are competing with other traders who are trading online. and i suffered losses.



This single defect, caused losses just today of aproxim.6000$,over a bunch of years I would estimate the losses in the $50,000 range just from this defect alone.Here’s the best part..Does this ever “unlock”?yes ;usually after a day or so weather they pretend to unlock it or not.However todays incident resulted from a partial execution on Friday..so you can see that this problem persisted for 3 days and may not resolve itself until tomorrow!!!.Ask yourself if you would be comfortable locking your account access down like this for days at a time,and think about various events such as earning releases,news releases,options expirations,emergencies..etc that would dictate a quick transaction and decide for yourself if this would be acceptable to you?If you would like to learn more about how to shop for a broker,visit Broker detective.com

3 Questions You Must Ask A Drug And Alchol Center

It’s no longer a secret that there are many drug and alcohol rehab centers all over the world. As at the time of writing this, there are more than 15,000 centers in the United States of America alone! Though this is good on the one hand, it creates a problem for the newbie that wants a good and reliable drug and alcohol rehab center. The problem is making the right choice among the over 15,000 centers.



This problem can be reduced if you ask a potential rehab center these questions. A satisfactory answer will mean that you should consider registering with them but if they can’t seem to provide the right answer, delete them from your potential list.



Are you accredited?



This is the first and major question you must ask the center. This is what tells you whether the center will be able to help you or a loved one get and stay off drugs. Though there are many accrediting organizations, the Joint Commission on Accreditation of Healthcare Organizations (JACHO) and Commission on Accreditation of Rehabilitation Facilities (CARF), would suffice. If the center cannot provide their accreditation status for you, then it means that entering such a center will be suicidal as the center is not operating in line with the set national standards.



What are the credentials of your staff?



This is another measure you need to use to know the type of center you want to register for. There is no need for any drug or alcohol rehab center to hide the qualifications of their staffs. In fact the good and reliable ones will boast of the caliber of their staffs since that will give them an edge over the rest. Make sure that the center has qualified professionals skilled in treating drug or alcohol addiction. For instance, the therapist should be a member of the state or national therapist association.



Do you have any testimonial?



Testimonials from past clients can also be used to judge the competence of a drug or alcohol rehab center. Though many of the centers may not want to disclose their failures but at least you should be given the rate of their success. If possible contact the past clients and seek their own opinion about the center. You might also try putting up the question in a chat room, who knows somebody among participants may have gone to the center before.



If the center you want check into is not able to provide adequate and convincing answers to these questions, it means that you should continue searching for those that will do so. The fact that it’s not ideal you try getting off drug or alcohol addiction on your own does not means you should lose all your lifetime savings at an incompetent rehab center.

Gift Baskets Make A Great Gift

We have all been facing the situation one time or another when we need to get a gift for someone, but just don’t know what to get them. Here’s an idea for you – a gift basket! Gift baskets make an excellent gift as each of them contains lots of smaller gifts. They are also great for you as you don’t have to waste lots of time wondering around a store searching for that perfect gift.



If you know someone who doesn’t feel well and needs a little TLC, a get well gift basket makes a great gift. Get well gift baskets should contain items to help them get over feeling under the weather. They should contain items that you too would love to have to help you get through getting over an illness or healing after a major surgery such as some nice hot tea to help you relax and perhaps a few candles and something for a nice hot bubble bath. While they are at home getting better, they will be thinking of you as you have helped make them feel a bit better.



Do you know someone who just loves food? A gourmet gift basket is a wonderful idea to surprise them with for their birthday or Christmas. Gourmet gift baskets can be tailored towards that person’s likes such as a cheese basket or a scrumptious chocolate basket. These types of baskets will contain a variety of items that they will surely enjoy. If they are the type that loves all types of foods, you can get a sampler basket that will contain different samplings of all types of food such as the cheese and chocolate, but also cookies and coffee, and maybe even caviar. Whatever you choose, their pallet is sure to be pleased.



A gift basket is a great idea to give for a new mom and dad. You can have it tailored for a boy or a girl, or if you are not sure what the sex of the baby is, you can get some in a neutral color such as green or yellow. Baby gift baskets usually contain items such as a keepsake, a photo frame, and items for the baby. Such gift baskets may have a little rubber ducky and a hooded towel or maybe a little blanket and pair of pajamas for the little one. But not to forget about mom and dad, they can include a nice candle and perhaps some herbal tea to help them relax over the sleepless nights to come.



Whether you know someone who is ill, loves food, or just had a baby, there are tons of unique gift baskets out there. You can also find a theme or an occasion for a gift basket. From the movie lover, to the fisherman, to the new bride and groom there is always a gift basket waiting to be given to them. If you are the creative type, you can always make your own gift basket putting little things you know they would love into a basket for them. Whoever is on the receiving end, they will know that you made the gift basket with lots of love and with them in mind. ase

Overcoming Anxiety

Overcoming Anxiety

By Robert Najemy



In order to create the healthy, happy and harmonious reality we all desire, we will need to create emotional harmony.



This process can be divided into six basic steps:



1. Recognize our emotions.

2. Accept them as they are.

3. Release them when necessary.

4. Understand how they are created.

5. Transform the negative ones through understanding and create more positive ones.

6. Transcend them.



Here we will present a short profile of some of the basic emotions. We have developed specific questionnaires for understanding each one.



As this book would have become prohibitively large if we included them here, those who are seriously seeking to understand themselves can download these questionnaires from our web site at http://www.HolisticHarmony.com/research/emotions.html.



Answering those questions will help you discover how those emotions are created and how you might transform them.



ANXIETY AND WORRY



Anxiety and worry, although obviously forms of fear, have become so common that it is worth looking at them separately.



Anxiety often concerns the factors of time and results. We are anxious because we fear that we will not have enough time to complete all that we have planned, or that the result will not be successful, perfect or acceptable to the others.



We worry often for the same reasons, but also when we fear something may not turn out as we hope. That "something" may concern ourselves, our children, or our parents or spouse, which of course, ultimately, through our attachment to these people, has to do with ourselves.



We learn to worry as children, and this becomes a habit causing us to search for issues to be anxious or worrisome about, even when there is nothing really important enough to merit such a concern.



We may wonder at times why our mind thinks so much about a particular matter, creating anxiety and worry, when in reality that matter is not so important to us.



Anxiety and worry contain a feeling of danger, that we are unable to achieve what we want or protect ourselves from others or events. It is a form of self-doubt and lack of faith in ourselves, others and the Divine Laws of the universe.



"Soul-utions"



For this reason, we would do well to employ a daily program of:

1. Exercises

2. Breathing techniques

3. Deep relaxation with positive projection,

4. Meditation

5. A healthy diet

6. Creative self-expression.



These activities will help reorganize our energy patterns, freeing us from the hold of negative thoughts.



Positive antidotes to anxiety and worry could be:



1. Faith in divine wisdom and justice; that all will occur as is necessary and beneficial for our growth process. This belief allows us to surrender to the wisdom of the universe and feel secure even when externally we are being challenged by difficult situations.



This does not mean that we do not seek to create the reality we prefer, but simply that we feel sure that the results of our efforts will be the best for our growth regardless of whether they are what we prefer.



2. Confidence in our ability to deal with whatever life brings us.

Why should we doubt that we can deal with whatever comes? We have encountered so many tests in life, and here we are – alive and reading this. We have survived. We, as spirit, are greater than any possible human experience.



3. Realizing that we are worthy of love and acceptance as we are.



Much of our anxiety has to do with our doubts about our self-worth which we tend to measure by what others think and by the results of our efforts. Accepting ourselves as we are removes much anxiety.



4. Living in and enjoying the present moment.



Our fears, regrets, anxiety and worry seldom have to do with the present, but rather with the past and future. But neither actually exist. The past exists only to the degree that we carry it in our minds. The future is equally an illusion.



Focusing on what we are doing in the present moment releases us from anxiety and worry.



About the Author: Robert Elias Najemy, a life coach with 30 years of experience, is the author of over 20 books, 600 articles and 400 lectures on Human Harmony. Download wonderful ebooks, 100's of free articles, courses, and mp3 audio lectures at http://www.HolisticHarmony.com. Find 8 of his books at http://www.Amazon.com.

Protect Your Income With...

Income protection can give you peace of mind in a world where nothing is certain and the unexpected frequently happens. While we don’t like to think of the worst situation arising, sometimes it pays to give it some thought. For example, if you have monthly commitments such as a mortgage, rent, credit card or loan repayments, then considering protecting your income with income protection insurance is something that needs careful consideration.



Income protection insurance can help to safeguard your income and give you peace of mind if you should come out of work through having an accident, falling sick or becoming unemployed. The cover will protect you for a period of time by providing you with a tax-free monthly income which ensures that you can afford to meet your monthly bills such as credit card and loan repayments. Unless you have your own little nest egg on which to fall back in times such as these, then income protection should be given some serious thought.



However, when it comes to protecting your income it can be expensive depending on where you choose to take your cover from, and that it is why when it comes to saving the most on your premiums, you should shop around. Going to an independent, specialist provider for a quote is a good place to start.



It is important that you understand any policy that you take out. As with any type of insurance there are factors that have to be taken into account and there normally are exclusions within policies. Again this is where you gain the benefit from going with a standalone provider. A reputable provider will have the expertise and knowledge to not only pass the savings onto you for the policy, but also to be able to give you the best advice possible. Income protection insurance can be a good thing to have, but only when purchased correctly and from a reliable provider.



About the Author: Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of low cost income protection insurance, mortgage payment protection insurance and loan payment protection insurance.

Get A Cash Payout On A Structured Settlement

Individuals who are beneficiaries of a structured settlement can exchange their installments for a cash payout if they so wish. The need for quick cash can be fulfilled with the help of structured settlement companies that give a cash payout on structured settlements.



The important issues to keep in mind when considering a cash payout include the acuteness of the need for quick cash and the minimum ready cash that will suffice. This is because structured settlement companies charge a fee and along with other costs, such as legal expenses, incurred in the process of selling a structured settlement the lump sum that one receives can be more than 15% less than the value of the settlements sold. There are a number of structured settlement companies with a strong online presence. One should research the credentials and the payment policies of these companies. A comparison of buyers helps to narrow down the choice to those who offer maximum cash payout on a structured settlement and also appear to have the necessary skills and contacts to negotiate smoothly with insurance companies.



Financial advisors and brokers have a role to play in the sale of a structured settlement. Financial advisors offer valuable advice on the tax implications and the impact of the sale of settlements on one’s resources. Brokers act as intermediaries between buyers and sellers and because of their contacts they are in a position to introduce a seller to the most appropriate buyer for his requirement. Brokers can also offer useful advice for managing the legal process for selling a structured settlement. This is because the sale of structured settlements is subject to federal and state laws.



The entire process for selling a structured settlement for a cash payout can take up to sixty days which includes the application procedure, the presentation of the closing documents by the buyer, and the legal procedure. The legal procedure involves an assessment by the court of the genuineness of a seller’s needs and whether selling a structured settlement is the best option available. The court approves the sale only when it is satisfied that a cash payout is in the best interests of the seller and his dependents. A court-approved sale is tax exempt for the buyer and the seller. A cash payout for a structured settlement without a court approval can invite hefty punitive taxes.

Finding A Niche Market For Your Home Business

Finding a niche market for your home business is important, because this factor will help you compete in the global market place on the world wide web. Starting a new home business can be a gamble, but by finding and occupying a niche market, your odds of building a successful home business are greatly increased. A niche market will help your home business stand out among bigger competitors.



If you are planning to open an online store for your home business, you are not going to want to compete with the giants like Amazon.com right away. By finding a niche market, you can greatly increase your home business and have less competition in the marketplace. Finding a niche market is relatively easy, just figure out what you are good at and what you want to sell. If you plan on selling baseball memorabilia, then you have found your niche market.



It is easier to get higher in the search engine results if you have identified a niche market for your home business. Instead of a search word that is generic, like shopping, which may have hundreds of thousands of results, specific search terms that relate to your niche market may only pull up hundreds or thousands of results. This makes it much easier to get your home business in the top of the search results, and to get your home business seen. More visitors from the search sites means more potential customers, so finding a niche market for your home business can make your business a huge success.



A niche market can help your home business grow and become successful, as well as giving you much needed publicity. Why compete with the big names in website shopping or e-commerce when you do not have to. Finding a niche market is as simple as finding a unique need that your home business can fill, and then making everyone aware of your home business and the niche market you are operating in. A niche market is a way to increase the visibility and popularity of your home business without having to compete with online businesses that have been in the game a lot longer. A niche market fills a unique need that customers have without having to compete with millions of other businesses and websites. Finding a niche market for your home business is not hard, you just have to identify a need and then find a way to fill it. Operating in a niche market will greatly increase the chance for success in your home business.

How To Make Money Buying Master Resell Rights

Can you really make money with master resell rights for digital information products? Yes you can and I will explain how. With resale rights you will only be able to sell the product itself. Granted you will be able to keep all of the profits that you make. However, with master resell rights you will not only be able to sell the product but you will also be able to sell the resell rights to other people. With master resell rights for digital information products you profit potential is doubled over what it would be with regular resell rights products.



The two ways that you will make the money from these information products is to sell the product to customers or to offer them the complete package which means the right for them to resell it also. When you have master resell rights you will have more control on the outcome of what you make.



When you are looking to purchase products that offer master resell rights you can find all kinds of them online. There are products like these for almost every topic you can think of. However, you want to find a product that is about the business you are in or a topic that will benefit your business. All you need to do is to go to a search engine and type in the topic you are looking for and include the words “master resell rights” after the topic search term.



One thing that you want to be aware of is that when you want to purchase master resell rights it will cost you more than it would for regular resell rights. These products can go for anywhere from $297 - $1,000. It will depend on what is being offered in the package that will determine the price range. In other words, when you purchase master resell rights you will be getting more control of the content which will mean the chance to make more sales.



When you do buy these products you want to make sure that you are given everything that you have bought. Make sure that you go through the package to see if anything is missing. This is important to do so that you don’t get ripped off. You also want to make sure that the person who is selling the master resell rights is not selling them to hundreds of people. When they do this it can make it harder for you to make money with it because the market for this product will become saturated faster.



You should be choosy about the master resell rights for digital information products because there are so many of them available. You want to make sure that you don’t get just any of them. Do some research to find out what the best one would be for your business. You want to make sure that you find a product that your customers want, when your customers are hungry for a product that you sell you will have a much better chance of making money with it.



Finding a product that your customers are hungry for is the secret to making money with master resell rights for digital information products. When you find the right product you will have no problem making money with it. You will be able to have a successful business when you learn how to find the products that your customers really want to get their hands on. The more they want it the more money you make. Take the time to do your research and you will not regret the time that you spent on finding the perfect master resell rights product.

Seo Writing For Your Own Website

Writing copy for your own website is a complex business. Not only do you have to write good copy to publicise your business and sell your services but, if you want your website to get seen, you have to understand a little about how the web works. SEO, Search Engine Optimization is the buzz word. Big businesses will pay for specialist SEO services, but what can small business owners do, if they are writing and building their own websites?



The first thing to look at, before you even start writing, is the choice of keywords. Keywords are the words that search engines pick up on, the words that people type in to the Google Search Bar. You can purchase programs that research keywords and rate their effectiveness and if your business is internet based with multiple websites it is an excellent investment. If however you have one small website and just want to do the best you can yourself, there is still a lot you can do in a low-tech way to improve your chances.



Think about your business. What words would someone type in if they were searching for the type of services or products you offer? If you are a specialist supplier or technical expert, catering to other knowledgeable clients, then the terms they are likely to type in to search might be quite technical and specific, but if your business serves the general public then you may need to exercise your imagination. Try it for yourself. Use a search bar to type in a few keywords that you think relate to your business and see what results you get. If the selection on the front page represents mainly businesses similar to yours then you are on the right track. If not, keep trying new words and combinations of words.



Spend plenty of time on this research. Have a look at what keywords your competition are using. What words recur in their titles and sub-headings, what search terms find them?



Try to get the balance right between too general a term and too narrow a phrase: eg typing in just 'travel agents' would produce such a huge mass of results that you are unlikely to feature on the front page ever. Typing in rather 'travel agents San Diego', would narrow it down to a geographical area, and typing in a specialist area as well, would again narrow down the search results. So look for your specialist areas and find a phrase that covers them, but one that people might realistically think of and be able to spell.



This is another area to consider. There are loads of misspelt words that make good search terms, just because people frequently spell them wrong when searching. So you could decide to misspell a word on your website on purpose to attract that traffic. This has to be offset against the detrimental effect of misspelt words to your professional image. Only you can decide that - it depends on your area of business and likely clientele.



Once you have found a few keywords that reflect your main areas of business, select two or three of the most relevant and start writing your home page copy. Your chosen keywords need to be used several times each, but you must be careful to use them in natural language. Resist the temptation to over-use them. Search Engines get suspicious if you pack in keywords in artificial language and will mark you down on it. Use the keywords in the first sentence and in the last sentence of each page and, when they fit naturally, about once in each paragraph. Use your prime keywords in headings in bold too. This adds to their impact, weighting the importance and relevance that the search engines give to them.



If your website is several pages long, choose different keywords according to the main subject of each page.



Search engines value content above all and content that is regularly updated will maximise your chances of being seen. Build a text space into your home page that you can update every week, with latest news, a new article or whatever is relevant to your business. Do remember that Search Engines are looking for relevant content, so splashing an article about travel when your business is in catering won't help your ratings - choose to feature latest food trends rather.



After you have written up your copy with keywords in mind, read through it afresh. There is no point in perfect keyword research and placing, unless that copy also speaks to your potential clients. Your copy needs to appeal to humans as well as search engines!

How To Find What Your Items Worth

Setting prices on eBay can sometimes feel like shooting while blindfolded. As convenient as it would be, no one has put together a helpful little guide you can grab to find the average price for Item X. Trying to assemble the seemingly unlimited categories and products being sold on eBay, along with the prices they typically go for, into one handy compilation would be a task that could make anyone throw their hands up in despair.



EBay Pricing Made Easy

Well, almost anyone… but author Julia Wilkinson (http://www.YardsalersEBayers.com) thought she was up to the challenge. And she’s spent the last year organizing all that information into one useful, time-saving aid, The EBay Price Guide. This paperback volume can be a tremendous resource, especially if you’re just getting started on eBay and have no idea what to expect, in terms of pricing. It provides a terrific overview — just flip through the pages and see what’s selling and for how much.



The Highlights

While not entirely exhaustive (publishers actually insisted on cutting it down by two thirds), the book contains many pertinent facts and figures:



•It covers eBay’s thirty-some top categories in the order they appear on the site and discusses standout auctions and relevant trending info.



•It lists the most popular subcategories and the fifteen high and fifteen average prices within those subcategories.



•It includes compilations of fun, interesting data, such as the top keywords from A-Z, twenty-five things you can’t sell on eBay, and the fifty top eBayers with the most feedback.



•It compares eBay prices to retail, so you can see what kind of bargains people are really getting. Wilkinson discloses, “I found a rule of thumb that people often get a bargain of about a third to half off of what they would expect to pay retail.”



Gauging Your Choices

The price guide is a great research supplement. The data was gleaned primarily from http://Hammertap.com’s DeepAnalysis research tool, using the data in the auction title and the final prices. You don’t get the product specifics, such as year and condition, so once you find your specific niche, you’ll want to do more extensive fact-finding with a tool like http://Terapeak.com or http://mpire.com. But the book can quickly put your product ideas into perspective and shave a lot of time off the top of the research process.



Whether you’re looking to buy or sell, The EBay Price Guide is a great starting point. You can keep it on your desk as a quick reference, rather than having to go sort through a lot of data online, which can be very time-consuming. Wilkinson explains, “When you’re trying to decide what you’re going to sell on eBay, you’re looking for initial numbers. So you can go into this guide and come up with a really quick idea of whether or not an item is worth doing.” Not only can you check out the products you’re considering, but you might also get ideas for products you hadn’t even thought about.

Giving Up The Diet

If you're thinking of going on a diet to lose those extra pounds think again. Long-term weight control through dieting is near impossible, for the simple reason is that diets promote only short term solutions not long term.



After dieting you’ll certainly look lighter on the scales, but in most cases this is because you've dumped a few pounds of body fluid and muscle, and not because you've lost any significant amounts of body fat.



One of the main reasons diets don't work is because they send the body into starvation mode - a survival mechanism for times when humans faced periods of famine. Cutting back on our energy intake causes the body to lower its metabolic rate, which reduces its ability to burn fat.



At the same time, hunger signals increase and we quickly start to crave high energy foods loaded with fats and sugars - the exact foods we are trying to do without!



Alarmingly, research has shown that repeated dieting actually makes it harder to lose weight and easier to put it on.



This is because when you dump the diet and return to normal eating habits, the drop in metabolic rate caused by the diet means that your old eating habits actually represent an excess in calories. Not only do you regain the fat stores just lost, but you may even gain a bit extra.



"Five more reasons to stop dieting"



· Diets sap energy - Too little food means not enough energy for physical activity.



· Diets lower your metabolism - Dieting causes your body to conserve energy, making results harder to achieve.



· Diets are unhealthy - A cycle of rapid weight loss followed by weight gain can lead to a loss of lean tissue from your body and calcium from your bones. It also strips the body of essential vitamins and minerals.



· Diets make food the enemy - Food provides nourishment and comfort. Diets can make you afraid to eat, depriving you of one of life's pleasures.



· Diets cheat your confidence - Going from one failed diet to the next can leave you feeling depressed and create a cycle in which guilt battles against food.



Regular physical activity and a healthy, balanced diet aren't as glamorous as the quick fixes, but they do get better results.



Start with one extra exercise session and one less fatty takeaway meal per week, and gradually work towards a lifelong plan for achieving your best weight.



If you change the way you eat or exercise to lose weight, ask yourself this question. Can I see myself sticking to this routine for life?



If the answer is "no" then its time to change what you're doing. Any healthy weight loss plan should include the following:



· A wide variety of foods.

· Regular and enjoyable exercise.

· Enough filling foods to avoid constant hunger.

· At least 1200 calories a day.

· Flexibility for treat foods and social occasions.

· A realistic goal of your best weight (not necessarily your lowest weight.)



Fact



A realistic weight loss is around one to two pounds per week. Fast weight losses are not fat loss but glycogen and water. If you lose weight quickly then you will probable return back to the weight at which you started as quickly as it was lost.



Fiction



· Weight loss is quick and simple.

· Exercise is not necessary.

· Certain exercises can spot reduce.

· Carbohydrates (for example, bread, potatoes, rice, and pasta) are fattening.



So the way to lose body fat and maintain muscle is to have a food program for life and more energy output. Increase the amount of fruits, vegetables, non-fat dairy products, whole grains and beans that you eat.



Eliminate calorie-dense foods such as cookies, sugary desserts, chips, fries, pizza, candies, crackers etc. Research on people who have successfully lost a lot of weight and kept it off long term, shows that the vast majority succeeded by consuming a low fat diet high in fibre coupled with strength training and cardiovascular activity. These are the basics you'll need to aim for.



A sound weight loss-eating plan should:



· Be nutritionally sound, providing all the nutrients you need.

· Never promise fast weight losses.

· Offer an eating plan based on real food.

· Allow you to eat out.

· Avoid expensive meal plans, products and supplements.

· Not avoid carbohydrate foods, e.g. bread, rice, pasta, cereals and potatoes.

· Make gradual dietary changes.

· Provide knowledge.

· Allow you to eat all foods

· Recommend physical activity.



Fat calories are more fattening than carbohydrate calories. Your body can easily convert the fat you eat in food into body fat, so to lose weight you need to cut down on fats and foods that contain it.



Consider the following steps to reduce fat in your diet.



· Use skimmed or skimmed milk in drinks, cooking and on cereals.

· Buy a non - stick frying pan.

· Buy a cheese slicer

· Cut the visible fat from meat.

· Eat very little pastry.

· Learn how to read a food label.

· Substitute low fat yoghurt for cream.

· Remove the skin from chicken and turkey.

· Eat fruit as snacks rather than eating chocolate and biscuits.

· Eat fewer burgers and sausages

Blogs are best money making Formulas

For the blogger who doesn't have their own product, it's still possible to earn money from their blog thanks to Google Adsense. Google Adsense is free to join and easy to set up.



As you write the content for your blog, keep in mind that the ads shown are dependant upon the surrounding content on your web pages. Also, experiment with the placement of the ads to discover where the ads sit that get the most clicks.



Many believe that the best places for the ads are at the top left, at the bottom of the first post on the page and in the footer. Unless your blog is strictly an Adsense site, it's recommended not to make it look too cluttered with Adsense ads.



Of course, the more traffic you get to your site the more sales you will make, resulting in a higher income. There are sites that earn a few cents a day and there are sites that earn thousands a month. It all depends on the niche and the traffic.



Unless you are in a niche that provides you with high costs per click, you can expect to make anywhere from ten cents a click to one dollar. There are niches that pay several dollars.



Affiliate



Another way to make money with your blog is to promote affiliate programs. When researching the topic for your blog investigate what affiliate programs are available.



There are many resources for affiliate products including Commission Junction, Clickbank, and hundreds of online stores that offer affiliate programs. For instance, if you have a pet site then possible affiliate programs would include Petsmart and PetCo.



Products



Another avenue for making money with your blog is to create and sell a product. Jeff Walker's Product Launch Formula walks you through each step involved for creating a product, preparing to sell it, and launching it to the public. If you want to sell your own product, investing in Jeff's product would be wise.



Selling a product, whether it is an ebook you acquired with resell rights or a product you made yourself, is usually a better way of making significant income. Done correctly, including researching what the public wants, you can usually make a better income selling your own product than depending on Adsense. There are always the exceptions.



Text Ads



This new type of advertising is still growing and evolving and the majority of ads being served are not graphical but text-based in nature. As a publisher, you can earn cash by selling ads on your blog yourself, or you can use a third party ad service and run their ads on your site. Once you've setup an account and placed the ads on your site, just sit back and watch the cash come in.



Referrals



Perhaps you are in a niche that would attract viewers who need a loan, a credit card, or debt relief. There are many companies that will pay you, the blog owner, a significant amount to refer people to their site to simply fill out a form. For each person you refer who fills out a form, you get paid as much as $45, or even more.



How Long Income Will Come



It's not going to happen overnight, but it shouldn't be long, maybe two or three months, before your blog is bringing in an income that covers your blogging expenses. A little longer, and each blog should make enough to pay some of your living expenses.

Spokane Merchant Account

Merchant services is a term used to describe a variety of services that enable businesses to carry out financial transactions, from credit card processing to checking validity of cheques. One of the most essential merchant services offered by most major merchant services providers is merchant accounts. Merchant accounts are specialized accounts that allow businesses to receive credit card payments, or carry out financial transactions online. Depending on the type of transactions, the volume of transactions and other parameters, different businesses are eligible for a variety of merchant accounts. Once a merchant is designated a merchant account, the merchant (read business) is then educated in the ways he can access the merchant account and is also sent a complete list of the charges that are associated with the merchant account.



There are essentially three types of merchant accounts based on the volume, and type of transactions that businesses encounter:



a) Standard Merchant Account



As the name suggests, standard merchant accounts are the de facto standard, and are the most basic and also the simplest type of merchant accounts. Standard or regular merchant accounts, usually have a certain amount of transaction fee, setup fee and interchange fees associated with them. Standard merchant accounts are assigned to a majority of small businesses, or online businesses that do not experience high transaction volumes. Irrespective of the company that offers the merchant account, standard merchant accounts usually have the same type of fees and rates associated with them.



b) High risk Merchant accounts



High risk merchant accounts are assigned to businesses that have a high volume of financial transactions (especially transactions that have a vast majority of payments through credit cards). The setup fees for high merchant accounts is usually nominal or zero. A very good example of a business that would be assigned a high risk merchant account are online casinos. Online casinos usually have a high non pay ratio, and since online casinos are not restricted by geographic boundaries, the transactions are usually in multiple currencies, high risk merchant accounts offer specialized merchant services like real time payment processing, fraud protection, account management and customization of the merchant account to cater to similar businesses.



Not just online casinos, almost all major commercial stores like Wal-mart, Starbucks will automatically be offered high risk merchant accounts, as they deal in millions of dollars across multiple locations every day.



c) Specialized merchant accounts



In the event that a merchant requires a specialized account that does not fit in the above mentioned categories, he/she can approach the organization offering the merchant account, and apply for a specialized merchant account, the setup charges associated with specialized merchant accounts are usually high, and more often than not a lot of paper work involved in acquiring a specialized merchant account.



No matter what merchant account a business is assigned, life is much simpler once a business decides to use a merchant service provider that can get them value added services, not just merchant accounts. Today most merchant service companies usually offers a host of other services in addition to just merchant accounts. However the one service that all businesses require for an effective online or credit card transaction system, is a merchant account; irrespective of the nature of the business that they are engaged in.

Other Merchant Services



The first step in any credit card processing transaction is the 'swipe'. A swipe is basically running a credit card through a EPOS (Electronic Point Of Sale terminal). Usually a EPOS terminal has an inbuilt thermal printer (to print receipts), a number pad (to enter the PIN number for cards like 'Maestro'), and a small screen to show the progress of the transaction. There are a vast range of EPOS terminals available based on the price and the manufacturers. The EPOS terminal communicates with the bank or issuing authority via a telephone line that is plugged into it. Most merchant services providers today, bundle the EPOS terminal as a part of their services.

AdSense Ad Formats

Everything in AdSense is about choices and learning what works best for your particular website. Ad formats are no different. There is a selection of different formats for text-based ads you can choose to place ads into your website exactly where they will work best for you.



The Leaderboard ad format is quite popular. It is 728 X 90 in size and sits atop your webpage. As many as four ads fit nicely inside the leaderboard and the ads are arranged from left to right. This can be an attractive layout and will fit with almost any website format.



The Banner format is 468 X 60 in size and can be placed almost anywhere on the page. This format holds two ads nicely and can be used along the side or at the top of content attractively enough. The Half Banner is only 234 X 60 and allows you to place one ad anywhere you desire on your webpage. The Vertical Banner stacks the ads on top of each other and is 120 X 240 in size.



For small ads, place the Button ad format on your website. This format is a 125 X 125 square and holds a single AdSense ad. This can be the perfect showcase piece for an ad, especially when formatted with a background color.



If you want several ads, you might prefer the Sky Scraper format which is 120 X 600 in size. It can hold three or four ads easily and can be placed on either side of the website content. If you want more space, choose the Wide Sky Scraper format which is 160 X 600 in size and can readily hold five Adsense ads.



The Small Rectange is 180 X 150 and holds one AdSense ad very well. The Medium Rectangle format allows three or four ads to be placed inside a 300 X 250 rectangle. The Large Rectangle, perfect for placing four ads inside, is 336 X 280. The Square measures 250 X 250 and holds up to three AdSense ads well.



If you use image-based Adsense ads, you can choose the Leader Board which you will find placed across the top of many websites. It measures 728 X 90. The Banner is a smaller ad that measure 468 X 60. The Sky Scraper and Wide Sky Scraper are also choices for use on the sides of a webpage. Or you can choose the Medium Rectangle format. All of these image ads hold a single image.



There are also various layouts for displaying Link Unit Adsense ads so that they will fit well into your website also. They can be stacked, lined up across the top or bottom and allow just as much variety as the text and image ads.

Acne

Acne and similar skin problems are a common problem amongst people of all ages, but more especially young people and adolescents. Over 17 million people suffer from acne in the United States of America alone. There are various causes of acne as well as various ways to treat and prevent it.



Acne can cause mental and physical problems to sufferers whatever their age. Physical problems include scarring of the skin tissue due to the healing process and also the fact that spots, blackheads and pimples are painful for the sufferer. Mental issues that can arise from somebody suffering from acne include low self esteem and other confidence problems. Many acne sufferers are adolescents going the puberty and during puberty most young people have an increased sensitivity to personal appearance and acne. Therefore any outbreaks of acne, however large or small can lead to great embarrassment to the sufferer.



One of the main causes of acne, especially acne that occurs in adolescents going through puberty, is the fact that during this stage of life the body produces higher levels of the male hormone, testosterone. This causes an increase in the size of the sebaceous oil glands. This excess oil that is produced means that pores become blocked. Pores don’t just become blocked by the sebaceous oil itself though. The oil can also trap dirt particles and bacteria which also contribute to pores becoming blocked and acne appearing.



Another cause of acne is the shedding of dead skin cells. These cells are shed more quickly and increase in number and cause blockages in the hair follicles or pores. The combination of these blockages and the increases in sebaceous oil production provides the perfect environment for acne causing bacteria to grow and flourish.



As well as these two main causes of acne, there are other factors which contribute to this affliction. Women can experience an increase in the likelihood of acne during the first week of their menstrual cycle and can also experience acne problems during pregnancy. Both of these problems are due to changes in hormone levels in a woman’s body at the times outlined above. These imbalances and changes can again lead to an increase in the secretion of sebaceous oil as seen in puberty.



It has also been noted through research that sweating and excess perspiration can lead to an increase in acne problems in 15% of the population on average. Again this is due to an increase in the suitability of the skin condition for bacteria growth.



Another cause of acne in people of all ages is that of poor cleanliness and dirt. If dirt and small foreign particles get into the hair follicles and pores of the skin then blackheads and spots can appear and spread. This can also include unsuitable skin products and greasy hair products that come into contact with the skin and cause pore blockage. wh

Easy Ways To Eliminate Eye Bags

Hollywood is the home of many glamorous movie stars whom we often remember for their good looks and unique features. But as far as I know, none has been immortalized for eye bags except Peter Lorre.



Today’s generation of moviegoers may no longer remember Lorre but the Hungarian actor and director portrayed many memorable characters at the height of his career. Aside from being cast as a sinister and wicked person in Hollywood crime films and mysteries, the late great actor is also fondly remembered as the Japanese detective Mr. Moto and the first James Bond villain in the first Bond movie Casino Royale.



What set Lorre apart from other actors were his unforgettable voice, look, and mannerisms. One of his striking features were his eye bags that became his “signature” mark when animators later emulated and did impressions of Lorre in various cartoons like Ren and Stimpy, Secret Squirrel, Stingray, and Digimon. It was a classic case of art imitating life as the characters in those short films had big eyes and equally big eye bags – much like Lorre’s!



Unfortunately, not everyone with eye bags ends up as a famous or celebrated actor like Lorre. For most people, eye bags, puffy eyes, and dark circles under the eyes are bothersome cosmetic problems that look terrible and make you look older than you really are. These problems are often associated with allergies, aging, fluid retention, too much salt or alcohol, excessive crying, smoking, pregnancy, menstruation, and lack of sleep.



“There isn't room for fatty layers around the eye sockets because this would get in the way of our ability to move our eyes and see. So skin around the eyes is thin and gets thinner with age - allowing the blood vessels and darker shadows of bone to show through,” according to Dr. Trisha Macnair of BBC Health.



“The most common cause of those dark bluish circles under the eyes is congestion around the nose. You see the veins around the underside of the eyes drain into the veins of the nose. When your nose becomes congested or is blocked up, those veins become restricted and the flow of blood is reduced. This causes the flow of blood under the eyes to slow. The veins under the eyes become engorged causing them to swell larger and appear darker,” added the AskDocWeb.



While they aren’t serious medical problems and often clear up on their own even without any treatment, eye bags, puffy eyes, and dark circles can be embarrassing and annoying. Besides, who wants to wait until forever for them to disappear completely when you’re attending that big party with all your friends tomorrow?



To look good, get enough rest, drink enough water, stop smoking, and avoid allergens that trigger nasal congestion like pet dander, pollen, house dust, and certain foods like milk and chocolate. Use an extra pillow or two to elevate your head while sleeping to prevent fluid build up. Reduce your salt intake and be wary of food and drinks that contain too much salt.



Cool cucumber or potato slices placed over closed eyes for a few minutes can also help. If you’d rather eat the cucumber or potato, another alternative is cotton balls dunked in cold milk. After squeezing the milk from the balls, let them rest on your closed swollen eyes for a few minutes. A cold compress will also do the same.



One popular product that can revitalize your eyes is Eyevive. When used as directed, Eyevive moisturizes, strengthens, and thickens the skin around the eyes to help reverse the signs of aging that can lead to eye bags, dark circles, swollen eyes, fines lines and wrinkles. Put back the sparkle in your eyes with Eyevive.

What You Should Know About Acne

There are many different types of acne and with that come many theories, myths, and treatments. The exact cause of acne remains a mystery. Why some pores are affected by acne and others aren’t, is not known. Each case of acne is as complex as the individual battling it and a treatment that works on one person’s acne may not work on yours.



Acne obviously has physical effects but it can also have psychological effects, especially in teens. Most teenagers already feel awkward and different, add acne to the equation and they are identifiably different. Most teenagers with acne tend to have lower self esteem, than their peers with clear skin, and are not involved in as many activities.



Adult acne is on the rise and can also be very difficult to deal with. Due to the changes that our skin goes through as we mature, scarring is often worse in adults with acne than in teens with acne. Adults with acne are also less likely than teens to seek treatment for their acne, leaving them to suffer alone.



Whether you are an adult with acne or a teenager with acne, your acne probably falls into one of a two main categories, inflammatory acne or non-inflammatory acne. If you have blackheads or whiteheads, or both, then you have non-inflammatory acne. Inflammatory acne can be a little harder to identify. Inflammatory acne is characterized by papules, pustules, and in more serious cases, nodules or cysts.



Once you have determined which category your acne falls into, you can explore the treatment options for your acne. Keep in mind that even if you have tried several different acne treatments to no avail, there is always something else to try for your acne. There are new acne treatments coming up left and right and the next new acne treatment might be the one that goes directly to work attacking your acne and leaving you with the clear skin you’ve longed for.

Water And Sunlight Helps To Clear Acne

The skin stores around 12% water. It is important to maintain this amount with the correct amount of good fat to keep your skin from getting acne. You need to drink around 2 quarts of distilled water every day. If you are not drinking this amount, just start increasing the amount that you do drink.



Drinking water helps you get rid of toxins in the blood. By drinking water, you will urinate more and more toxins will be eliminated. The cleaner your blood the healthier your skin will be and your will not have a problem with acne.



Use glass containers when buying distilled or reverse osmosis water. Try to avoid using plastic containers for water since plastic containers contain chemicals, left in the container walls during manufacturing, which leaches out into the water.



If you are drinking fresh juices, you will also be getting water from these juices. Drinking sodas is not drinking water.



Here’s a few things you do to help you drink more water or to make the water healthier. Find a 16 or 32 oz glass container and add distilled water. Then add one of the following nutrients:



* A few drops of Alkalife. This solution changes the pH of the water from 7 to 8 and also activates the water with its electrolytes – sodium and potassium.



* Squeeze the juice of one lemon into the water. Do not add sugar. A few drops of honey may be ok.



* Squeeze the juice of one lemon into the water and add up to one teaspoon of powdered MSM. MSM is excellent for the skin disorders such as acne. It makes the skin cells more flexible, allowing more nutrients to go into and out of the cells, and its anti-inflammatory. MSM is also excellent in activating peristaltic action and will prevent constipation.



* Put 2 oz of mangosteen into the water. Mangosteen is an over all body tonic. It works on all parts of the body and will help keep you regular.



You can also choose to add your favorite nutritional flavor to give water an additional value.



Chose one of these natural additives for your water and drink this water little by little all day long. This is one more thing you can do to get rid of acne, improve your skin texture or to keep the nice skin you already have.



Get Some Sunshine



One more thing you can do for your skin is to get more natural light.



Expose your face to plenty of sun and air. This helps your skin to heal faster. But don’t purposely place your face in the sun, but remaining in the shade and open outdoors gives you plenty of sun and air.



At least 20 – 40 minutes a day in the outdoors is necessary for you to get sufficient vitamin D for you daily needs.

Some Tips To Speed Up Firefox

Mozilla Firefox is an excellent web browser that does a much better job than Internet Explorer when it comes to protecting your privacy and computer security. Unfortunately, Firefox can sometimes be slower than Internet Explorer. The speed difference between the two browsers is one of the main reasons why most people do not change their browser from the quicker yet more vulnerable Internet Explorer to the slower but more secure Firefox browser, the other reason being that Firefox introduces many new features that simply take more time to learn than some users are willing to invest. To get the best of both worlds – speed and security of browsing – you can download Mozilla Firefox and speed it up with these tips.



Pipelining



This tweak is very easy to accomplish. On your Firefox web browser address bar, type about:config, then press Enter. Scroll through the list of values and look for these three crucial pipelining settings: network.http.pipelining, network.http.proxy.pipelining, and network.http.pipelining.maxrequests. You can use the filter to easily find each of these entries.



For the pipelining entry, you should change the value to true. Just double click the false value to make this change. For the maxrequests entry, the default setting is four. Change the value to your desired number. This value determines how many page requests Firefox is capable of making. You can go as high as 8 to speed up your tabbed browsing. Finally, go to proxy.pipelining and change the value from false to true.



Doing the above steps will give you greater browsing speeds by allowing Firefox to process and send requests simultaneously instead of waiting until a response has been received from a previous request. This will also reduce network bottlenecks by packing multiple requests into a single data packet.



Increase Your Firefox Memory Cache



Your computer will automatically allot a memory cache for your Firefox browser. Increasing your browser cache will actually increase the amount of objects that your browser can retain, which cuts down on time spent retrieving information from your hard disk or a web server. As a result, your frequently visited pages will load much faster.



You can modify the cache settings by going to the Firefox tools menu and clicking on Options. From here, click on the “Advanced” tab, then the “Network” tab. On the network tab, you can specify any cache size you like, but it is doubtful you will need more than about 32 Megabytes of cache.



Block Unwanted Advertisements



One of the best ways to speed up Firefox is by using an Ad Removal extension, such as AdBlock Plus. AdBlock Plus can be installed at https://addons.mozilla.org/en-US/firefox/addon/1865, and it works to block annoying banner ads. AdBlock Plus also features a “learning” feature, meaning you can right-click on unblocked ads and set them to be blocked, as well. Even with no other optimizations, Firefox will load most pages much faster than Internet Explorer when using AdBlock Plus, because it does not have to worry about downloading all of the annoying, unwanted ads that clutter up so many webpages.



Another plugin, called FasterFox, implements a large number of tweaks based on increasing the speed of your browsing. FasterFox is available from: https://addons.mozilla.org/en-US/firefox/addon/1269.



With these tips, you can speed up Firefox considerably, so don't let the slow performance you may have experienced deter you any longer. Firefox works to provide a much safer browsing experience than Internet Explorer, and its plugin interface allows for unprecedented levels of customization and convenience.

How To Use Controversial Marketing...

Creating a marketing campaign is one thing, getting it to be successful is a whole other thing that lots of people never think about. Most marketers design some marketing materials and leave it at that. They don't get into developing their campaign further, refining it or even creating additional pieces. That's why the lazy marketer or business owner will always fail.



In this article I'm going to show you how you can take a typical marketing campaign and redesign it to create superior results. Not only in terms of winning customers, but also in gaining free publicity, winning awards and gaining trust amongst your entire market. This marketing trick is so powerful it can do all it, with just a few minor enhancements.



What I'm talking about is the whole hook you design your marketing campaign around. Most likely it doesn't even have a clear hook or story behind it. And that's exactly why it's 'yet another marketing campaign'. It's nowhere special to anyone not already interested in your type or product or service.



A true marketer always wants to put in his creativity. Marketers don't only think about the design and copywriting of a campaign, they also think about the strategy behind it. What are the highest goals the campaign has, and what added benefits can be obtained at the same time. When you design a campaign around a hook or special story you create leverage.



This leverage is about the hook you use. If you're rubbing shoulders with a topic currently hot in the media, you automatically stand much more chance to be featured in those media. Credibility is transferred to you instantly because your promotion contains the same topic, person or item that everyone is talking about recently. Immediate relevancy and credibility for your campaign.



Another trick lots of great marketers do is using so-called buzz words. These words often mean nothing, or the definition of them is not clear. Take for example the term 'web 2.0' which never got a clear description and people are using it everywhere to sell their products. This word became a buzz because a well known person invented it, others started to copy it and now everyone is talking about it.



The whole secret here is that most of the time the buzz words or hot topics that you've designed your marketing campaign around have actually nothing to do with each other. That's the controversial part of it: you're gaining credibility and many other advantages without having a real 'right' on it.



But would you care? The benefits are so much bigger then any possible question that may arise from a customer about what you got to do with the current media discussions. Just tell them you're adding value to the world of your customers.

Headaches

By Robert Najemy



Common Causes of Headaches



1. One major cause of headaches is an accumulation of toxins in the body and nervous system.



2. This problem is increased when we have constipation. A large number of headache sufferers have constipation or problems with their kidneys.



3. This problem of auto-toxification is multiplied even further when one is living is a polluted environment, inhaling toxic substances which react negatively on lungs and nervous system.



4. Another major source of headaches is tension in the neck. Neck tension can be result of too much thinking, especially worrying, or poor posture, or the result of some specific type of work such as typing or sewing.



5. Neck tension may also be associated with eyestrain, which may result from a certain type of work which requires much concentration with the eyes, or simply a growing weakness or tension in the eyes.



6. The overall tension in all the body may also contribute to this tension in the neck, eyes, and head. This is especially true of the tension in the spine, which tends to flow up into the neck and head.



7. A lack of sufficient blood flow and thus, nutrients and oxygen in the cells of the brain can easily cause a headache can easily ensue.



8. Unresolved negative emotions and especially anger, worry or anxiety can also create headaches.



9. Insomnia can also create headaches.



10. Hormonal imbalances can often generate headaches, especially during the days preceding and during a woman’s menstrual period.



11. Other factors also contribute to headaches such as certain hereditary tendencies or organic malfunctioning within the individual.



You Can do Much to Get Free from Headaches



The best cure is prevention. Let us look at some of the ways in which we can free ourselves from the discomfort and burden of headaches.



1. Massage can help to relax the muscles and nerves of the neck, head and eyes so as to increase the flow of blood and relieve the pain. This is only a temporary solution, however, for we have not effected the headache as its cause. We have only momentarily removed the symptom.



2. A proper diet with pure non-toxic foods will help the body to free itself from the accumulation of toxic wastes. Some, who have a high degree of toxicity, may want to go through a detoxification fast under the guidance of a professional naturopath so as to clean out their system.

3. If constipation is also a contributing factor, then one should immediately begin to solve this problem with plenty of liquids, fiber and exercise. One may even want to make a few purges with an enema so as to clear out some of the toxic waste in the intestines, preferably under the guidance of a doctor or professional health counselor.



4. If we are absorbing large amounts of pollution and living a life of general stress, we can protect our bodies from vitamin deficiency by taking vitamins B, C and E. These vitamins should be taken in as natural form as possible, but it is seldom possible to get all one needs through natural foods alone. Some naturopaths recommend doses of 1000 milligrams of vitamin C and 200 i.u. of vitamin E per day. Vitamin B can be absorbed through eating brewer’s yeast according to the recommendation on the package.



5. The tension, which accumulates in the spine, neck and head, can be relaxed and released through specific exercises and breathing techniques. (These can be learned from an experienced Yoga Instructor). These exercises are also useful for creating an overall harmony in the nervous and endocrine system, thus eliminating the problems of imbalanced hormones or tension in the nervous system.



6. Breathing techniques in conjunction with deep relaxation offer us a wonderful tool for relaxing all the muscles and nerves, and even the emotions and the mind itself. These techniques are not only useful for preventing headaches, but are also a wonderful first aid for an already existing headache.



7. Another harmonizing factor is having a routine. The body and mind function much more efficiently and peacefully when there is a certain rhythm in our way of living. Regular hours for sleep, waking, eating and washing are very calming to the nervous system and endocrine system.



8. Those who have much nervous tension would benefit from regular practice of meditation or inner concentration, which would allow them to release and / or transcend physical and mental tensions on a daily basis.



9. Simultaneously we need to understand the cause of his nervous tension and anxiety. Self-analysis our mind’s mechanisms will help us discover the ways in which we create unnecessary worry and tension for ourselves.



10. So much of our worry and nervous tension is a result of our ignorance or forgetfulness of our true spiritual nature. We lack self-confidence and faith in Divine protection and guidance. Thus the study of spiritual truths handed down to us through the various religions and spiritual philosophies can help us to see our worries and problems in a more clear and rational perspective. Wisdom brings Peace. Peace leads to love and harmony.



In conclusion we may say that headaches in most cases are the result of wrong or imbalanced living and thinking. We can change our way of living and thinking, and thus free ourselves from these unnecessary pains. Thus our headache becomes our teacher or inner guide who reminds us when we are moving away from the harmonious path or right living, acting and thinking.

Hypnosis Can Help You Quit Smoking

Every smoker and former smoker know that the humble cigarette provides a hundred daily uses. It is hard for non-smokers to understand the extent to which smokers develop an emotional attachment with their habit. A non-smoker see it as just a bad habit, whereas smokers are well aware that cigarettes in some way have become part of their identity.



Millions of smokers can testify that they packed in a long-term habit overnight, and never desired another cigarette again. Many aids have been developed to help smokers give up the habit, so it is quite ironic that one of the most common thoughts on most smokers mind is how to stop smoking. Every smoker know all the reasons why they should quit, but still struggle to take the final decision.



Telling a smoker that they are harming themselves does not tell them how to quit. One of the methods that work very well is hypnosis which is a legitimate method and not pseudo science.



A supposition would be that smoking is a physical addiction, and that is true to some extent. But, smoking is a psychological addiction first and foremost and that is precisely why one would recommend using hypnosis to quit smoking. This is not new information, it has been known since very long and hypnosis for quitting smoking is as effective as products that help you stop smoking.



For hypnosis most use help from a hypnotherapist who first check how responsive you are, then slowly takes you into a dreamlike state. A hypnosis session is a process where the therapeutist puts the patient into the right mode and advises him or her not to smoke. There has been much research conducted concerning the hypnosis treatments, and the result is that hypnosis treatments are just as effective as any variant of stop smoking products.



There is a discussion and arguments to whether or not hypnosis quit smoking treatments are actually useful in the long term. A smoker that is looking for ways to quit smoking because someone else is constantly telling them to stop then it is unlikely that hypnosis will help. Any other method will also fail to make them to stop.



An efficient treatment will result in a smoke free person, but for how long? Most smokers have experienced it several times, they have been down the road to quitting for good, then suddenly they start again. How come this happens? It is because addiction is very clever and deeply rooted and it works at an unconscious level.



So even a strong conviction can be after some time be severly hit by addiction. It has waited until you are at a low point, and then addiction strikes. Suddenly you find yourself making up the most incredibly creative reasons for why it is OK to have just one cigarette more. To celebrate something is the usual way to fraud yourself.



It certainly is a profound difference between a smoker that has stopped smoking and a non-smoker. The smoker courageously resists having a cigarette, while the non-smoker couldn't think of anything worse than smoking. It is very common that former smokers show very strong negative reactions against smoking and smokers.

Acne And Green Tea

Green tea is used by the Chinese as a traditional medicine to treat many ailments including acne and to improve general well-being. But does it provide an effective herbal alternative to modern medication?



The answer seems to be ‘Yes’. There are only two herbal treatments that are known to be effective in treating acne and green tea is one of them.



In a recent study by Jennifer Gan-Wong, M.D. a green tea cream was trailed against a 4% benzoyl peroxide solution on people suffering with moderate to severe acne. The results from this research study showed that green tea was just as good in treating acne as the benzoyl peroxide.



But benzoyl peroxide dries out skin causing itching or allergic reactions. Unlike green tea that has the added advantages of natural anti-bacterial properties and antioxidants, particularly epigallocatechin gallate which is 200 times more powerful than vitamin E at fighting free radicals.



Green tea also helps to reduce inflammation, hormonal activity and aids in detoxification - which is all good news for acne sufferers.



Green tea extract is an extremely versatile herbal supplement - it can be administered topically, often being used in creams, taken as a in the form of a pill or incorporated into your diet and drunk as a tea.



This last method is very popular (Green Tea with Honeysuckle is often known as ‘Pimple Tea’ in many Chinatowns) when drunk after a meal it aids digestion and helps to detoxify your system, getting rid of the toxins that can cause acne. Tip: don’t drink it with sugar, this will neutralize the worthwhile effects of the tea.



It seems that taking green tea for acne is a win-win situation… It has many beneficial properties which promote good all-round health with little or no known side effects and for the price, green tea it’s definitely a herbal treatment that’s worth trying.

How To Alleviate Your Acne Problem

Acne brings huge problems to teenagers. Teenagers who have acne feel isolated, ugly, and insecure. Who wouldn't when everywhere you look, only clear skinned people are put on the pedestal.



You tried every acne product out in the market but nothing seems to work. At this point, you feel that your social life is doomed but fret not because acne won't stay forever if you take the proper actions early.



First step to take is to understand what acne really is and from there you can take the necessary actions in curing or at least reducing your acne problem.



Acne is the term for plugged pores (whiteheads and blackheads), pimples, and deeper lumps (nodules) that happens in the face, neck, chest, back and upper arms. Acne is caused by build up of excess oil and dead skin in a pore. The causes of this are natural hormones, clogged skin and bacteria.



The onset of acne happens between the ages of twelve to seventeen. Almost all teenagers had acne. Many of them used non-prescription treatments to alleviate acne but more than 40% of teenagers in their mid-teens have severe acne cases. Normally, it goes away in the early twenties. Then again, there are many cases wherein acne starts or continues into adulthood.



It is interesting to note though that young men who are more likely to have severe acne, don't consult dermatologists as much as young women do. But then again, young women are more likely to have irregular acne due to hormonal changes during menstrual cycle or due to the cosmetic products they use. This kind of acne may afflict women even into adulthood.



The ultimate question now is how do you reduce acne?



Knowing the facts that debunk the myths and misconceptions about acne may help you alleviate your acne problem.



Myth 1: Acne is caused by poor hygiene.



This may be true if you don't wash your face at all. But if you resort to frequent and vigorous washing, it will definitely cause scarring which will worsen acne. The best approach is to gently wash face twice a day with mild soap and use appropriate acne treatment after.



Myth 2: Acne is caused by diet.



Scientific studies debunked this having found that there is no connection between food and acne.



Myth 3: Acne is caused by stress.



Stressors are not important factors in acne. Only severe stress that needs medication can cause acne as side effects.



Myth 4: Acne is just a cosmetic disease.



Acne does affect how people look but there's no serious threat to physical health. However, acne can result to serious scarring which can affect how these people live their lives.



Myth 5: You just have to let acne run its course.



The truth is, acne can be cleared up using acne products available in the market today. If they don't work for you, then try seeing a dermatologist.



According to Thiboutot (2000), cure of acne lies in knowing three things:



* That resolution to cure acne takes time;

* That what works for one may not work for another;

* and that a dermatologist's help may be needed if all actions you take to cure your acne fail.



Remember that acne responds well to early treatment. So to prevent scarring have your acne treated as soon as acne starts showing up on your face.

Choosing a Web Hosting Service

Web hosting is a business that provides a web site a home to be able to be viewed online worldwide. You can choose from either a free or paid service.



Free web hosting services are server totally free of charge. It allows you to upload or transfer your website to the server without any costs. In return, the service will require you to put their banner ads in your website. Sometimes they would require you to use a primary and secondary domain name. Others would allow you to use your own domain name. The problem with free web hosting service is that they offer a limited disk space and data transfer. If your website is large and has lots of graphics, it wouldn't be a good idea to avail of free hosting services. Free services rarely or do not have customer support at all. Also, this type of service cannot guarantee you a continuous uptime. They pretty much leave you on your own resources and do not assist you in acquiring a domain name. Most services have limits when it comes to running and installing CGI scripts. They do not provide ecommerce solutions such as shopping carts, software and space for credit card transactions.



For those who are novice or just starting out, this could be an inexpensive way to get started while you develop your website. But it could also be a disadvantage considering you will not receive support in the event of hosting-related problems. Also, for those who do not mind the lack or limited features of free web hosting service, this could be a good venue for simple personal web sites. The popular free web hosting services are: FBhosting, Xoom, Hypermart and GeoCities.



Paid web hosting offers more features. For a minimal fee of $10 to as much as thousands of dollars per month paid web hosting servers let you enjoy a number of additional features. The fee usually has money back no questions asked guarantee. Among the features of paid services are the larger disk space, data transfer and email accounts. Other additional features are added for a fee such as scripts and other, email services. But using a paid service does allow you some advantages such as uptime guarantee of 99%, 24/7 customer support especially on technical problems related to hosting service that you have encountered Paid services also offers databases and many other features. If you are into business and you need your website to conduct transaction in your behalf, a paid web hosting service could most likely fulfill the part.



There a number of free and paid web hosting service operating in the internet. The trick is to know which one to choose according to your needs. The better your choice, the better your options will be. And you won't have to pay for expensive add-on features which you do no really need.