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[April 30, 2008]

DOG DITTY DAILY #8

Filed under: Humor Tips — @ 9:58 pm

Copyright The Quipping Queen 2006.

DOG DITTY DAILY #8

Motivational Moment for Misguided Masters & Mutts

Compiled by Hugo Hotagen, DDD (Duke of Doorknobs &
Doghouses), a loyal lapdog-in-training apprenticed to the
affable, agnostic and all-round air-headed Court of the Quipping
Queen.

A quirky, quizzical and sometimes questionable quotidian
quotation, in honor of the “Year of the Dog”, follows
herewith:

“Sometimes when I get up in the morning, I feel very
peculiar. I feel like I’ve just got to bite a cat! I feel like
if I don’t bite a cat before sundown, I’ll go crazy. But then I
just take a deep breath and forget about it. That’s what is
known as maturity.”

Attributed to: Snoopy, a bouncy beagle character from the
cartoon strip “Peanuts” (created by American cartoonist,
Charles M. Schultz, 1922 - 2000).

Title: Casting Off

Filed under: Books For You — @ 8:55 pm

Dumpy blonde, 30 something Megan Barry orphaned at an early age and raised by her grandmother feels as though life may be passing her by. Determined to not marry one of the local men and live the life of a fisherman’s wife while equally determined to not go to work in the local fishery Meg worked first as a waitress at the local luncheon counter. Other than a six year relationship with a local married school teacher, a potential joining with clumsy gardener Jimmy Dooley and dime novels gotten from the Beara Penisula Mobile Library; Scullymore, Ireland did not have a lot to offer in Meg’s opinion. It was when she had packed her suitcase and set out for the bus that Meg was offered a job by Connor Gorman the local wealthy patron.

Killgorman house sits on a knoll at the edge of town. Gorman’s fiancée Helen Featherstone seems determined to prove her position as the lady of the house when Meg peruses a copy of ‘Sloop Skippers Notes,’ before seizing a chance to escape from her humdrum life. A purloined key, a weather driven adventure at sea, and an illegal still all figure in the tale. How Megan ends up alone on an island with only a gull for company comes before a surprise offer of affection and a new job offer.

Writer Trisha FitzGerald Petri has produced a festive, fast paced read on the pages of Casting Off. Megan Barry is not the characteristic fanciful heroine, she is however a very acceptable, and agreeable personality. In an eruption of witticism and style FitzGerald Petri paints a keenly focused anecdote filled with excellently masterminded settings, quick-witted plausible characters and exceptional conversation all set against an environment of sea and tumult in this rollicking tale.

The reader is drawn into the tale from the opening paragraphs. We taste the sea salt, feel the spray against our faces and grip the rails of the yacht as we, and Megan, ride out a horrific storm. Connor Gorman is a man we can enjoy coming to know, his fiancée Featherstone is quite the opposite. Reader interest is held tight in this easily read adventure from opening lines to the epilogue. Conflict is present in good measure and is suitably resolved.

Included is a glossary of Irish expressions and Gaelic words… although writer FitzGerald Petrie’s description writing leads little confusion as to meaning for the words used.

An excellent choice for the home pleasure reading shelf, high school library and those who like a good adventure with a bit of romance thrown in for good measure Casting Off is a delightful read for a long summery afternoon or an autumn evening spent reading and sipping cocoa.

Reviewed by: molly martin

http://www.angelfire.com/ok4/mollymartin

Genre: Suspense
Author: . Trisha FitzGerald Petri

Line/Publisher Wings
ISBN: 1-59088-546-5 Available in print
Publisher Wings ePress.

Also available as eBook

Writer, Reviewer, Educator, Parent.

Are You Prepared for a Disaster?

Filed under: University Of Management — @ 4:58 am

Yesterday I look at my calendar and saw that my newsletter was on my calendar for today. I wondered what I would write about. By the end of the day, I had my topic. Back-up and Recovery System.

Are you prepared for a disaster? Around 2pm yesterday I looked up from my computer and saw a reflection of smoke. I knew right away someone’s home was on fire. Thinking it was one of the homes behind me I stepped out my patio door. It was the house right beside mine that had caught fire. I immediately went out front to find two members of the family in shock. I found out 911 had been called and no one else was at home. The fire department was there within moments and started fighting the fire. I, like a lot of my neighbors, stood outside and watched with sympathy as this single mother with five children lost everything they owned.

It always happens to somebody else, right? Not all the time. One minute my neighbor’s house was on fire, the next, a whole opened up in their attic and the most amazing ball of flames shot directly towards my house. It was at that time I realized that I could also lose my home. I went in, grabbed my purse and my dog and was back out in the driveway. As I stood there I realized I didn’t follow my plan.

You see, since I started my business I’ve had what I considered a good plan incase of fire, I’ve even written up a disaster recovery plan. My business and its equipment are insured separate from my homeowners. It will also cover any lost income I may incur. I’ve burned copies of all my software and keep it off site along with copies of important business documents. I back up my entire hard drive daily incase my PC crashes. I keep my calendar on my PC and sync it with my palm; I also keep a paper calendar incase of power outage. Now, the plan was that on my way out of the house I would grab my external hard drive that is used as a backup.

I stood there really hoping that my home would be saved and thinking I need a new plan because when push came to shove, my dog and purse were the only things on my mind. I was so shocked that after all that planning, my business didn’t even come to mind.

Well, I was lucky; my home suffered only some exterior damage. My neighbors, unfortunately, lost everything except what was in their garage. Note: fireplace ashes stay alive at least a week after the fire burns out.

If you have not considered what you would do to get your business back up and running incase of a disaster, I suggest now is a good time to start.

Kathy McHenry, Your Virtual Advantage, LLC -
Virtual Assistant, Transaction Manager and founder of Your Virtual Advantage, LLC. Kathy is a brilliant resource center for entrepreneurs. Increase your success, reduce stress, and have time to focus on your billable hours. Visit her web site today at http://www.YourVirtualAdvantage.com and sign up for her FREE newsletter Distant Assistant

[April 29, 2008]

How to Lower Your Debts?

Filed under: Credit Management — @ 3:04 pm

Most of the Americans are under a debt trap. This has happened because of not utilizing finances in a proper way. Proper financial planning and adhering to the plan is required to get financial success. Be it personal finances or business finances. Some ways to reduce debts are:

Pay off your debts on time: Make your payments on time because it reflects on your credit record. A delay in payment leads to the imposition of late payment fees and thereby it increases your debts. It may be difficult for you to clear your dues on time, but you will breathe even harder if you see an extra 30$ or 50$.

Get close with your creditors: An effective interaction will improve your relations with your creditors. Most of the creditors will mercifully give you a concession, if they feel that you are willing to return the money and are working at managing your finances in a better way. They will not pressurize you to pay earlier.

Pay your credit card: The credit cards usually carry the highest rate of interest; therefore it would be very favorable for you if you make payments at the first instance. Your debt will drastically become low and your cash balance may rise if you maintain strict control on your spending.

Paul has been providing answers to lots of queries through his website on a wide variety of subjects ranging from satellite phones to acne. To learn more visit http://www.askaquery.com/Answers/qn1576.html

You are welcome to republish the above article only if you add our hyperlinked URL.

Tips For Making Good Money In Affiliate Marketing

Filed under: Commerce Performance — @ 11:21 am

How would you like to get paid for selling products that you don’t own and not go to jail for doing it?

That is what affiliate marketing is all about. Somebody else goes through all of the trouble to develop a software program, service, or digital content product. They build the web site; they process the credit cards; they deliver the content and they handle the after-sale support and customer service. You collect the money!

What is affiliate marketing?

Affiliate marketing is a revenue-sharing arrangement between the product developer, called the affiliate merchant, and the affiliate marketer who is anyone willing to promote the sale of the product by independently advertising it using any legal means.

This relationship allows the affiliate merchant to grow their revenue by only paying for advertising that actually results in a sale. The affiliate marketer profits by making a commission on a sale that he does not have to manage after the fact. It’s a win-win for both parties.

How do affiliate marketers get paid?

That depends upon how the affiliate program is set up. Some affiliate merchants run their own affiliate program. They have special software that assigns each affiliate marketer a special URL to be used in promoting the product or service. The software tracks sales by each affiliate marketer and the merchant pays the commission on a periodic basis using PayPal or some other method.

Other affiliate merchants use third-party affiliate management programs like ClickBank, Commission Junction, ShareASale, and others. The tracking functionality is the same but the payment process and procedures vary among the different services.

How to select a profitable product or service to promote?

Because your income is directly tied to how well the selected product or service sells, and the size of the commission that you will earn, it’s important to choose carefully when it comes to choosing an affiliate merchant to partner with.

Choose programs that you’re not embarrassed to promote and that you would feel comfortable recommending to family and friends if you were asked.

You will do better if you promote things that you understand and are familiar with. That way you will be able to write better ads without having to strain yourself trying to come up with good things to say.

Only promote products and services for companies who have gone through the trouble to provide you with a training program and sales aids like banners, sample classified ads, and other marketing materials that you can either use directly or model yours after.

Look for programs with commission rates of no less than 50%. Give preference to programs that pay commissions on multiple levels. That means that you will also earn commissions on sales made by people who buy the product through your link and then go on to become an affiliate themselves.

Google the company and the product to see if the company has a good reputation and to see how many affiliate ads are already out there. If the competition is too stiff, find a different product to promote.

Once you have your product just write your ads and start promoting. Remember - NO SPAMMING!

Good luck and hope that you make a lot of money!

Jim is the owner of starting an online business website, where it is set up for helping people to make money with affiliate programs.

[April 28, 2008]

How Japanese Women Stay So Thin

Filed under: Health Center — @ 4:11 pm

The rate of obesity in Japan is the lowest for all developed nations. This also partially explains why they have the longest life expectancy of any race. But how do the Japanese stay so thin?

One of the main keys to a thin society is exercise. Studies now show that areas with good public transportation have on average a better BMI (Body Mass Index) than those areas which do not. Why would that be?

It all comes down to exercise. The people in areas with “working” public transportation on average walk almost 10 times more on a daily basis than places where a driving commute is more common. The truth is even the best public transportation is slightly inconvenient. Meaning that you will find yourself walking a distance to the pick up point and from your drop off point to your destination. When you commute in a car you walk to your car (usually 100ft or so) then sit till you get to your destination.

Japan has one of the best public transportation systems in the world. Most people from school age on use it as a commute and for daily chores. This greatly contributes to their thin waist lines.

The other major ingredient to their thin society is diet. Japanese food in general is low in fat and preservatives, and high in nutrients. They also consume green tea on a daily basis. While similar to coffee in the fact that it raises your metabolism, green tea gives you a gentler, longer lasting stimulation effect. This helps in two ways. Firstly it will raise your heart rate and metabolism much longer than coffee. Secondly because there is no sudden spike and drop like in coffee, there is no lingering sluggish effect, lowering your metabolism after the stimulation effect is gone. The fact that green tea also contains many vitamins and lowers your cholesterol doesn’t hurt either.

So I guess we have discovered that all the nutritional experts were right. Diet and exercise are the keys to good health and weight loss. Unfortunately some societies make it easier than others, but you to could alter slightly your daily routine and experience the secret to easy weight loss.

Eric Newman is an author for Teanobi.com. All articles may be used and reprinted as long as they have an active link at the bottom pointing to http://www.teanobi.com with the anchored text: Teanobi - Green Tea

Getting an Auto Warranty for Your Car

Filed under: Limos + Other Cars — @ 3:38 pm

Millions of American car owners need the protection and coverage of an auto warranty for their automobile, and yet don’t research the intricacies of their contracts and end up feeling the pain of a less than comprehensive guarantee just when the inevitable repairs start piling up. It isn’t exactly a coincidence that the breakdowns on your car will start to occur as soon as your original factory warranty has run its course, so a comprehensive extended warranty for your vehicle is essential if you don’t want to pay high-priced bill after high-priced bill for every little thing that goes wrong.

When you get an extended warranty for you car, you will have not only the peace of mind of knowing that should there be any malfunction it can be summarily repaired, but also that you can take it in to the repair shop of your choice and have the cost of the claim covered by the company with whom you drafted the contract. The toll that both everyday or more strenuous driving can take on your automobile make it a inevitable truth that engine parts will wear down, heat will cause damage, and the once functioning mechanical components will breakdown. Having a comprehensive auto warranty will appease your worried mind not only during that frustrating time when your vehicle is not in working order, but more importantly, before and after it has been repaired, so that your brain can concentrate on thinking about more important things than whether you can afford to have your car out of commission.

An extended warranty can more or less cover anything you want it to cover, so that the unknown demons of blown tires, dead batteries, or other disasters which need the aid of a towing company, can be no longer a dreaded nightmare. As far as the repairs go, the company you buy your warranty from will offer you an array of choices for paying deductibles when you visit the repair shop. If you can afford it, and think it is in your best interest, then you can choose a zero deductible auto warranty so that you need never pay anything extra when you take you car in for a warranty-covered repair. The other option is to pay a per-visit rate, making it so that you pay a fixed deductible rate whenever you need a repair done on your car.

There’s always the concern of what to do when your car has to go into the shop to get fixed, and you still have to go about your daily business without it. Most auto warranties you get for your car will cover this obvious inconvenience, providing you with a much needed rental car free of expense, so that you won’t be unduly put out by your lack of a vehicle. Further, you’ll want to be sure that, in the event you sell your car before the contract of your comprehensive auto warranty is up, you can transfer the insurance to the new owner with as little transfer fees as possible. An added plus to this, of course, is that your used car will be of far higher value in the marketplace if it is still under warranty, which is an incentive to prospective buyers to buy from you instead of from some other bloke.

Getting a warranty for your car, whether extended or under a regular plan, can be an integral aspect of automobile ownership, not only for your own sanity, but for the sake of your pocketbook for years to come.

Christopher M. Luck has over 18 years experience dealing with auto warranties and is now offering his free professional auto warranty advice to the public. If you are at all interested in Christopher’s auto warranty advice, tips, or secrets, you can check out his auto warranty blog.

[April 27, 2008]

Different Ways to Borrow Money

Filed under: Mathematics Stuff — @ 3:30 pm

There are many different ways to borrow money. Outlined below is a useful guide to some of most common ways of borrowing money.

Loans

There are many loan companies offering to lend you money. They will check your credit worthiness and may offer you a secured loan or an unsecured loan.

A secured loan means that you undertake to give the lender property you own if you do not keep up the repayments. In return, you usually get a lower APR and longer repayment period. An unsecured loan costs more in repayments but does not carry all the risks of a secured loan.

Overdrafts

Your bank might allow you to overdraw - that is, borrow from the bank by taking out more money than you currently have in your account.

You will be charged interest on your overdraft and possibly a fee as well. If you go over the overdraft limit set by the bank, you will have to pay a lot more.

Check what the bank charges for overdrafts and try hard not to go over your limit. If you do need to borrow and cannot repay the amount very quickly, you might be better off with a bank loan.

Always check the bank’s interest rate and other charges.

Credit cards

Using a credit card to buy things means that you do not have to pay right away. Each time you use a credit card, you sign a slip of paper (or type in your PIN) to say that you agree to the cost of your purchase being added to your credit card account.

You will get a bill from the credit card company at the end of every month listing all the things you have bought. With most cards, if you clear the balance in full before the date given, you will not have to pay any interest.

Be very careful when using a credit card. Small purchases mount up very quickly - keep a record of what you spend. If you spend more than you really mean to and can’t pay it all back in time, you will be charged interest.

Take great care of your card. If it is lost or stolen, report it immediately.

You may freely reprint this article provided the author’s biography remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Affordable Term Life Insurance - Effective Ways On How To Save Money And Get The Best Policy

Filed under: Life Of Insurance — @ 1:38 pm

Disposable income and financial circumstances vary amongst people, and consequently affordability of term life insurance will also vary amongst the different people.

For most people, affordable term life insurance is the most favorable type of insurance. However, the maximum duration for the term policy is only 30 years. Under the circumstances where one needs a life insurance longer than the maximum term policy for 30 years, then one may need to consider a cash-value policy. Although one can keep the cash-value policy forever and some of your money goes into an investment account, premiums for cash-vale policies are characteristically higher than for term life insurance.

In the circumstances where you think you do not need a cash-value policy, switching to a term policy can significantly lower your premiums. However, if you switch from cash-value to term lice policy, you will forego the savings feature of the cash-value policy. This means if you decide to take affordable term life insurance, you will need to find other options and places to invest your money.

Shopping for Affordable Term Life Insurance Has Been Made Easy by the Internet

With the advent of the Internet, comparing and shopping for life insurance has never been easier. You can get a lot of life insurance quotes online with the easy-to-use websites, and without the pushy salespeople; hence giving you all the time you need to make a good judgment of the best quote that meets your needs and suits your circumstances. Shopping for life insurance online means that you don’t need to talk to an insurance agent until you have made up your mind of the specific type of life insurance you need and the amount.

It is recommended that you keep the information which the insurance companies ask about your health, as this means it will then take you less than ten minutes to get an accurate term life insurance quote. Vital information about your health which the insurance companies typically ask is about your cholesterol level, weight, blood pressure and family medical history.

What Are The 5 Key Useful Strategies for Getting an Affordable Term Life Insurance Policy?

1. If you have lowered your cholesterol, lost weight or quit smoking, it is recommended that you shop around.

2. Making your premium payments through automatic debit can help you get some discounts because the insurer will be making some savings on administrative costs of printing and mailing you a bill.

3. Before you start to shop for an affordable term life insurance, it is important that you decide on the amount of term insurance you want. Most companies will give better rates when you buy a policy from one of the three basic amounts, namely $250,000, $50,000 and $1 million. You may be able to get a more cost effective policy if you round up any of these three amounts.

4. What you pay for your premiums is dependant on your age. The older you are, the more you pay, and thus it is recommended that you consider shopping around for insurance some six months before your next birthday.

5. It is in your benefit to consider shopping around for a new policy if you were treated for a major medical condition many years ago. The further away the medical condition, the better in some situations since you may have a new bill of health that is better than a few years ago.

Anyone can get affordable term life insurance if you make the effort to educate yourself on the many ways and tips you can use to get cost effective insurance. Shopping around online and comparing the most insurance companies which can give you the best rate is well worth your time and effort.

Dean Shainin offers free online life insurance quotes. For more information, articles, news, tools and valuable resources on life insurance, visit this site: http://life-insurance.deans-knowledgebase.com

Get free valuable online tips for saving money from his: Affordable Life Insurance website.

[April 26, 2008]

Make A Weight-Loss New Year’s Resolution And Stick With It All Year Long

Filed under: Online MedicalResources — @ 6:04 pm

Losing weight is one of the most popular New Year’s resolutions each year. We all start with great intentions but after a few weeks, we fall back into our usual unhealthy lifestyle and the weight we did lose creeps back on. Let’s take a look at what steps to take to make sure we still stick to our weight-loss resolution at the end of December.

Determine your “Why” and write it down.

Think about the reason why you want to loose weight. Is it to look better in a bathing suit for that vacation in July? Is it to be healthier and get your risk for heart disease and diabetes down? Do you want to be able to enjoy a more active lifestyle? Do you want more energy to play catch with the kids? Be as specific as possible.

Now take out a sheet of paper and write down your big “Why”.

Set and write down sensible weight-loss goals.

The next important tip to being able to stick to your weight-loss goal is to set a sensible goal to begin with. You shouldn’t expect yourself to loose more than 1 to 2 pounds per week. Look for a Body Mass Index (BMI) calculator online to help you determine whether you are underweight, normal, overweight, or obese. The higher your BMI, the more weight you can expect to lose in the long run. If you are in the normal range, but feel that you should lose weight, you may not want to aim for more than 5 pounds. On the other hand, if you are obese, than losing 50 pounds this year may be a good goal for you.

I would also like to encourage you to consult with your physician before starting any weight loss program. He or she can give you an even better idea on a good goal for you.

Make a plan you can stick with all year long.

You know yourself better than just about anyone else. Most likely you’ve been on a diet or two (or more). So you already know what doesn’t work for you. You’ll be most likely to stick with something common sense making small changes that you can live with from here on. Eat healthier and consume fewer calories, but also get more active.

Set small goals along the way.

Look at where you are at now and at your goal for the end of the year. Now break it down into several small goals. You want to break your weight loss journey down into small chunks that seem more attainable. Focus on the first “mini” goal until you reach it and then move on to the next one.

Keep track of your progress.

Keep a journal and record what you eat and how active you are during the day. If you chase the kids around the yard for 20 minutes, record it. Writing these things down builds accountability. You’ll find yourself thinking, “If I eat that cookie, I’ll have to write it down. I better skip it”. Or if you haven’t been a couch potato all day, you may be motivated to take a quick walk around the block so you can jot it down in your journal.

Celebrate each small goal.

Remember those small goals you planed out? Make sure you celebrate each goal you reach - but not with food. Reward yourself with a new blouse, a manicure, or a good book. Pick something you truly enjoy. This will build some positive reinforcement that will keep you going until you reach the next goal.

Keep your “Why” in mind.

Don’t loose track of the big picture. Remind yourself daily of your big “Why”, the reason why you want to lose weight. Keep the sheet of paper with your reason for losing weight close by and read it every morning or every evening. This is another big motivator to keep you going all year.

Losing weight can seem like a daunting task, especially if you have a fair amount to lose and you are just starting out. Don’t let it intimidate you though. Take it one step and one pound at a time. Before you know it, it will be the December and you will be 5, 10 or 50 pounds lighter. I know you can do it!

By Susanne Myers. Think healthy cooking is hard? Or expensive? Think again. The Healthy Menu mailer makes it easy by providing you with a week’s worth of healthy dinner recipes and the grocery list to go along. To find out how you can save time and money and still fix delicious and nutritious meals visit www.healthymenumailer.com

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