Archive for December, 2007

Online Car Loans

Monday, December 31st, 2007

By [http://ezinearticles.com/?expert=D._David_Dugan]D. David Dugan We all love the Internet. We love the convenience of online shopping because its fast and easy to buy anything, including large purchases like automobiles. Just going to Ebay Automotive will give you thousands of choices to bid on when buying a car. There are many other websites that will also sell you a car. Every auto dealership in the world seems to have their own website, and then there are the generic sites like cars.com, usedcars.com, and newcars.com. So its easy to buy a car on the web, what about my auto insurance? That you will find just as easy, if not easier than finding a place to buy a car on the web. Every car insurance company has their own website and then again, there are a lot of generic auto loan brokers with websites as well. Many will claim to guarantee you the lowest interest rate anywhere and will tell you how easy it is to buy insurance through them. But, something a lot of people do not know is that interest rates for online loans tend to have higher interest rates than loans you get in person. Thats right. Online car loans will cost you more than you might get from someone you can contact by telephone or by visiting their local office. Why would online auto loans be more expensive? Im glad you asked. The people that apply for loans online are more likely to have bad credit according to most studies done by the auto insurance industry. For that reason, online auto loans have a higher interest rate to offset the risk taken by the insurance company. That is not to say that you cannot possibly find a good rate for your auto loan online, but you are more likely to get a better rate from a local broker. Your local Credit Union, Bank, or even the auto dealers preferred loan company are all likely to give you a better rate on your auto loan. Shopping around on the web, then going to your local options to compare financing options is always advised. Remember that buying a car is one of the major purchases you make. The loan you get for your car is one you will be stuck with for at least a couple of years, so shop for the best deal before committing to anyone. You will find such a wide variety of options it will amaze you. One lender may be offering interest rates that are around 7.5% while others are offering 2% or even 0% auto loan financing. Why are different lenders offering such different terms for auto loans? Again, Im glad you asked. Competition is just one of the factors involved in what a company offers you for your car loan. One of the other factors are studies made by each individual company as to what is a high risk or low risk loan. For example: If you purchase a red car in Pennsylvania, you will pay more for your auto insurance than you would if you had bought a white or blue car. They have done studies there that say they pay out more claims to people who own red cars than they do to people who own cars of other colors. Maybe they get more tickets, one agent I spoke with suggested. The police notice the red cars more. Whatever the reason, it goes to show that there are many factors that determine what you will pay for your auto loan. The fact that a higher percentage of people who apply for online auto loans have bad credit than those who apply for their loan offline influences the rates you will pay for an online loan. I hope this article has been helpful to you and will encourage you to shop before you buy when it comes time to get your auto insurance. Make sure you are getting the best deal possible. Also, ask the insurance broker what factors are influencing the rate of your loan. It may make you change your mind about the type or color of car you are buying. D. David Dugan has a website, http://loan.divinfo.com/ that has information on home equity, student, payday and bad credit loans and has pages like http://loan.divinfo.com/getting-that-car-loan–simple-interest-is-the-best.php Article Source: http://EzineArticles.com/?expert=D._David_Dugan http://EzineArticles.com/?Online-Car-Loans&id=163062 phentermine without a doctors prescription phentermine for cheap buy phentermine master card phentermine order by

What Is Bond Market?

Sunday, December 30th, 2007

By Mike Singh A bond is a debt obligation or security, where the the holder or buyer expects the holder to repay the principal and interest at maturity (a date in the future). The bond market is a financial market where these bonds are bought and sold. To get an estimate of the size of these debt securities markets you should bear in mind that the international bond market is approximately $45 trillion and the size of U.S. bond market debt is about $25.2 trillion. How are these markets structured? Quite different from the stock, futures and options markets, most of the trading volume in bond markets takes place between brokers and large financial institutions in an over-the-counter market. But, a couple of bonds, primarily corporate ones, are listed on exchanges. This is partly due to the differences in bonds. What are the various types of bond markets? The Securities Industry and Financial Markets Association(SIFMA) classifies the bond market into the following categories: 1) Corporate In simple terms, corporate debt securities are IOU’s issued by corporations so that they can use this cash to support their day-to-day operations and generate greater profits in the future. All sorts of corporations issue corportate debt. These could range from industrial, financial companies to service-related ones. 2) Government and Agency As the name suggests, government and agency debt is issued by different government-sponsored enterprises (GSEs). These entities have been created by Congress to fund loans at affordable rates to certain kinds of borrowers (such as students, farmers and homeowners). GSEs mostly rely on debt financing for their daily operations. Some examples of GSEs in this regard - Fannie Mae, Sallie Mae, Federal Farm Credit System Banks etc. 3) Municipal Municipal securities are debt securities issued by counties, cities, states, and other governmental entities to raise money to build/maintain infrastructure such as highways, schools, hospitals, and drainage systems. This is perhaps the the state and local governments in the United States finance their cash flow requirements. One great appeal of investing in municipal bonds is that the interest on these securities is exempt from the federal income taxes. 4) Mortgage Backed Securities and Asset-Backed Securities Financial institutions issue mortgage debt securities to those interested in ownership of mortgage loans. These are loans that are used to finance the borrower’s purchase of homes or other real estate. As the underlying loans (mortgages) are being paid off, the investors receive interest payments in addition to their principal being paid off. Some examples of agencies that issue these debt securities are - Ginnie Mae (Government National Mortgage Association), Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). Asset-backed securities (ABS) are similar in mortgage securities in that they represent an interest in a variety of assets such as auto loans, auto leases, home equity loans, or credit card receivables. The investors in these debt securities receive interest payments in addition to their principal as the underlying loan is being paid off. In summary, you have learnt what bond markets are, the different types of bond markets and the different players in these markets. Does the world of bonds have your head spinning? Looking for an easy-to-understand resource? Visit http://www.bond-trading.org for more articles on what is a junk bond and goverment bonds. Article Source: http://EzineArticles.com/?expert=Mike_Singh http://EzineArticles.com/?What-Is-Bond-Market?&id=456846 order phentermine cod phentermine without prescription buy phentermine online cod buy phentermine online no prescription needed

Gender Incompatibility (Humor)

Sunday, December 30th, 2007

By Josh Greenberger What makes two people incompatible? How do you recognize the elements of incompatibility? Many lucky relationships take off like a rocket and, in spite of occasional ups and downs, last a lifetime. However, a great number of relationships don’t fare so well. Why? What makes two people incompatible? How do you recognize the elements of incompatibility? And how do you avoid getting entangled in a no-win situation? These and other such crucial questions will not be answered in this article. Mainly, because of space problems. Secondly, because I haven’t the faintest idea what the answers are. If I did, I’d buy a big couch, a good clock, and bill clients by the nanoseconds. But analyzing a few case histories may at least help shed some light on the matter. After that, who knows, the answers may be just around the corner. One case worth recounting is Bernie’s. (Bernie was not his real name. His parents never told him his real name.) Bernie went out with this girl for four months before realizing that the only thing he had in common with her was a Maytag repairman. In the end, he said the relationship taught him that when a “spin cycle” begins to look more like a “slow rinse” it’s time to hang it up to dry. Now he’s going out with someone more compatible, and he’s bubbling with joy. Then, there was this married couple who, although both were sports buffs, was incompatible because, ironically, they had something else in common — both had to have the last word. Watching them argue was like watching a baseball game go into eighty-seven innings. Hardly a day passed that the “game” was “rained out.” One heated argument resulted in the tossing of all their china ware at each other — they referred to it as “The World Series.” Actually, in a strange sort of way, they seemed to enjoy their shouting and carrying on. But the marriage almost ended in divorce when she got laryngitis. Their marriage counselor recommended a live-in umpire. Eventually, they learned to adjust to their problem — now, before every argument, they sing The Star-Spangled Banner. Another couple got divorced for religious reasons — she worshipped money, he had none. To assist in the analysis of the problems of incompatibility, I decided to enlist the help of an old friend, a world-renowned psychologist, a genius without equal, a legend on her own couch, a master of treacherous love affairs, Dr. Tootsie Krestheimer. (Her mentor is the noted sexologist Dr. Ruthy Westheimer with the heavy German accent.) It is reported that in her entire career no couple who came to her for counseling ever got divorced before their therapy bills were paid up. If that’s not a phenomenal feat, I don’t know what is. My visit with Dr. Krestheimer began with a direct question: “What can you tell me about incompatibility?” “Vell, I tell you saamsing,” she responded in her heavy Chinese-Bulgarian accent, “faanny you shoood esk about incompaataabeelity. Just lest veek vee did an experiment on dis saabject vit a particle accelerator. You know vat is dis a particle accelerator?” I said, “Physicists use that. Aren’t you a psychologist?” Impatiently, she replied, “I dabble in everysing! Jaast enswer ze qvestion!” I said, “Yes. It’s an apparatus physicists use to accelerate subatomic particles to high velocities to determine what other particles or energy will be released upon collision.” She said, “Very good. You maast hev vone at home.” I said, “I have two — one in the kitchen, one in the bedroom.” She continued, “Zo, instead of subatomic particles, vee pud in a male und a female rat vit contrasting personalities, und vee accelerated zem to sree [3] times ze speed zat zey voood normally run to get a piece of cheese.” I interrupted, “What do you call contrasting personalities in rats?” She said, “Vone eats aap ze whole cheese aaz soon aaz you give it to heem, und ze ozer vone bakes ah shtrudel vit it.” I said, “I see. Those are definitely contrasting personalities.” She went on: “After a few minutes, I und my rat specialist heard ze female rat sqveeking. Ze specialist tells me she vas saying, ‘I’m not enjoying zis trip! Zis vasn’t my idea. Zis is ze lest trip I’m taking vit you. Ven vee get beck, I vant to speak to my lawyer.” Dr. Krestheimer slammed down hard on her desk and exclaimed, “Zo, zere you hev it! Ze proof is in ze shtrudel!” I said, “You mean, pudding.” She said, “Please, dun’t mix aap my experiments.” I asked, “So what does this prove?” She said, “It proooves zat ven two people are incompaateeble, vone mate shoood not pressure ze ozer vone to go on a trip if he or she does not vant to go.” Not quite grasping how she arrived at this conclusion, I demanded, “A rat squeaking in an a particle accelerator? How does this prove anything?” Angrily, she shouted, “Eenaaf of zis! Get out of my office! Vat do you know about rats?! You dun’t even know how to bake ah shtrudel! In ze time I vasted vit you I coood hev made eenaaf maaney to buy a brend new couch und sree more condos! Out!” Only several hours after leaving Dr. Krestheimer’s office did I realize the implications of her experiment. Reading between the lines, I deduced that incompatibility is not necessarily irreversible — two people with vastly different temperaments can learn to adjust to one another’s idiosyncrasies. With this new awareness, I set out to explore relationships which I had previously considered unsuitable. I am now going out with a girl who is seven inches taller than me, speaks only Slovak, and doesn’t go out on a third date unless you open a joint account and write her into your will. How do we get along on a date? Well, I keep my right two tires slightly deflated so at least in the car we appear to be the same height. But trying to have an intimate, heart-to-heart talk through an interpreter is not easy. And then, trying to find a movie which I like, and she likes, and the interpreter likes, and her lawyer likes, does put somewhat of a strain on the relationship. But when you get group discounts wherever you go, who cares. Josh Greenberger: A computer consultant for over two decades, the author has developed software for such organizations as NASA’s Goddard Institute of Space Studies, AT&T, Charles Schwab, Bell Laboratories and Chase Manhattan Bank. Since 1984, the author’s literary works have appeared in such periodicals as The New York Post, The Daily News, The Village Voice, The Jewish Press, and others. His articles have ranged from humor to scientific to topical events. Visit his site: shopndrop.com Article Source: http://EzineArticles.com/?expert=Josh_Greenberger http://EzineArticles.com/?Gender-Incompatibility-(Humor)&id=138612 how to buy phentermine phentermine without prescription overnight phentermine without prescription buy phentermine with discover

Why The Biggest Loser is the Biggest Stinker

Friday, December 28th, 2007

By Christine Anne Sutherland Youd probably have to be from another planet not to know what The Biggest Loser is all about. A bunch of seriously obese men and women are launched into extreme food deprivation, and exercise regimes so harsh that, in the words of Ed Martin on MediaVillage.com Half of these people looked like they were going to have heart attacks, the other half like they were on the verge of strokes. But with overweight and obesity rates rising, and death rates caused by being fat and/or inactive going through the roof, isnt this show at least doing something about it? The problem is that while the show claims its about healthy weight loss, what it actually demonstrates is the most dangerous method with the highest failure rate, damaging not only the participants, but anyone who is led to believe this is what weight loss is about. The faster loser is the fastest fat regainer In a world where human fatties have governments and health scientists apoplectic with worry, and rightfully so, its not surprising that theres been a massive amount of research on the effectiveness of various approaches to weight loss. All around the world, in every civilised country where research has been undertaken, it has been thoroughly demonstrated that dieting and exercise programs not only dont work, but they make people fatter! Over 95% of people who go on a diet put the weight back (and more) within 3 years, and over 98% of people who lose weight through an exercise program put the weight back on (and more) within 1 year! Matt Hoover, winner of The Biggest Loser in 2005, has had a growing girth ever since. By 2006 he had really bulked up, and now in 2007 there he is complete with big double chin. To Matt’s enormous credit, even he says that people should definitely not try to lose weight the way that he did on The Biggest Loser. Of course not, because it doesn’t work! In addition, its simply not possible to lose weight that fast and not jeopardise your metabolic rate and your general health. Rapid weight loss is not fat loss Any health scientist will tell you that its impossible to lose or gain much more than 1 kilo of fat in a week. And yet contestants on The Biggest Loser regularly report massive weekly losses (25 lbs) and Matt even had a weekly gain of 12 lbs! So whats going on? The participants absolutely didnt lose or gain much fat when they reported those big figures. What they lost or gained was most likely fluid, and when fluid is lost that fast, the metabolic rate also drops, and thats just one of several serious health effects of rapid weight loss. If its a low-carbohydrate diet the effects are even worse. Carbohydrates help retain water, so naturally when you drop them you lose fluid, further lowering metabolic rate. Carbohydrates are also absolutely essential for retention of muscle mass, and if you lose muscle mass (which is highly likely if youve suddenly cut your calories) your metabolic rate will plunge even lower. No wonder people put back weight so fast, and end up fatter than ever, and often sick and exhausted from fatigue. The Biggest Loser punishes people for doing healthy things One of the most certain ways to actually turn people off exercise is to force them to have such a negative, stomach-turning, painful example of it that every time they think of being active, they actually feel sick. Yet another way to turn people off exercise is to berate or criticise them as they struggle, and even make them feel guilty or pathetic for not doing better. The Biggest Loser ensures that every time their graduates think about exercise in the future, theyll have strong negative feelings that eventually will sabotage any efforts to be more active. As well as turning people off exercise, The Biggest Loser uses techniques that actually get people really addicted to unhealthy, fatty, sugary food. Food deprivation is notorious for creating food cravings. The Biggest Loser goes even further than mere deprivation, taunting contestants with their favourite foods and turning the addiction scale to the max! The Biggest Loser is not reality Millions of people tune into The Biggest Lose every week, and you only have to visit one of the many web forums that have sprung up to see the tragedy of masses of people actually believing that this is a valid approach to losing weight. They rarely understand that the Losers are under 24-hour-a-day watch, by a whole team of people. That the Losers dont have any kind of day-day-life, arent at a job, arent being part of a family and in fact arent even a part of a normal community. Theyre not learning any life habits at all that are transferable to the real, outside world. Viewers rarely have the knowledge that some of the Losers are regularly purging and vomiting in an effort to win the big bucks, or at least not let down their team.Nevertheless its so sad to read the hatred that is flung at contestants who are seen as inadequate merely for doing something as harmless as eating a Mars Bar. Its a beautiful but awful repetition of that infamous study of blue eyes/brown eyes where people were taught to brutalise others who didnt fit into an arbitrary classification. The Biggest Loser does not meet basic guidelines for healthy diets Despite the shows lip service to healthy practice, even the shows own medical consultants admit the program puts people at risk, turfing out Jules Condon and Sam Birrell because of danger to their health (heart problems and deep vein thrombosis). Sadly, these two were so brainwashed that they actually wanted to continue! Nutritionist Kathleen Zelman points out that what the Blue Team eats has inadequate levels of complex carbohydrates, and that its low-carb regime will cause muscle loss, particularly when paired with a heavy activity level. She also says the Red Team eats too few calories to sustain the workouts and fails National Academy of Science Guidelines on carbs, proteins and fats. Dr Michael Dansinger, a medical consultant on the 2nd series, himself points out that the dangerously-low calorie intake cant be replicated safely at home. Scientific studies suggest that weight gain due to dieting is around 6 billion pounds per annum Thats an awful lot of fat! But its true. The average dieter actually gains around 5 pounds of fat a year, and its estimated there are 1.5 billion dieters in the world at any time. The Biggest Loser is very much to blame for a growing portion of that. Diets are making us sick and ruining lives Studies consistently show that dieting has severe health and other impact on our lives: Diets cause people to gain weight through lowered metabolic rate Diets almost always result in reduced nutrition because they restrict food variety Dieting impacts on mood because of the interplay of psychological deprivation on hormone production, frequently causing depression or anxiety Dieting also lowers or wipes out your libido Dieting suppresses your immune system Your lowered metabolic rate makes it harder to exercise and in fact you may develop fatigue syndromes Food deprivation causes food cravings, so that every diet you go on adds to the severity of your problem Dieting is absolutely linked to eating disorders in children, and this is fatal for 50% of children who develop anorexia My number one tip to stop gaining weight Stop that diet and promise youll never, ever, diet again. If you only do this, although you may initially gain weight, your metabolic rate will recover, and you will lose at least 5 pounds and never regain it. You will over time feel a lot better, with a lot more energy, youll feel better about yourself and you may even feel like learning about a healthier lifestyle, even learning about the 14 things that people do by mistake that lower metabolic rate, or taking up a sport that you can play for the pleasure of it. In other words, youll get a life. The Biggest Loser? Find the off button and use it, because The Biggest Loser is absolutely The Biggest Stinker! Christine Sutherland is a Perth clinical researcher, and a clinician specialising in weight loss. She is the author of Beat Cravings, Shift Fat and the founder of WeightChoice.Com.Au. You can read more on Christine’s views on how to achieve permanent, easy weight loss on http://www.weightchoice.com.au Article Source: http://EzineArticles.com/?expert=Christine_Anne_Sutherland http://EzineArticles.com/?Why-The-Biggest-Loser-is-the-Biggest-Stinker&id=496699 where to buy phentermine 37.5 buy phentermine overnight delivery phentermine diet pills in buy phentermine free shipping

Why Should I Read Christian Dating Website Reviews?

Thursday, December 27th, 2007

By Rebekah Spicer My friend Shelly was ready to try online Christian dating after years of being single, and no success in finding the right man. I directed her to dating site review web sites, but she didnt seem very interested. She asked me why she should spend her time reading reviews instead of just signing up and trying out the sites herself. Here are the main reasons to check out review web sites: First, because it saves you time. Time is money, and todays busy single often leads a very full schedule. By the time it is evening and they actually have time to get on the computer, they are probably exhausted and really just want to go to bed. The last thing they want to do is spend time filling out multiple profiles on dating sites, when only one or two may have the features they are looking for. Read a good quality review site such as www.christian-online-dating-guide.com/reviews.html . This will actually save you time because you will be able to identify what you are looking for. Find the sites that interest you and meet your needs, before you take the time to fill out the profiles. Secondly, because you will gain detailed information about these sites. You will find out that some of them have remarkable features like free personality profiles, message boards, photo albums, live chat, and so much more! You will get really excited about trying online dating when you see for yourself all it has to offer. Thirdly, you can rate the dating websites and add your comments to help other users. If you like a particular site, use this opportunity to tell other singles what makes it great. If you feel likes a certain website does not meet your needs, let others know. Finally, you will be exposed to great testimonials from other happy couples who met via online dating. You may think love will never happen to you, but these testimonials can give renewed hope that someday you, too, will find your soul-mate. Rebekah Spicer is a relationship expert who helps manage the popular dating website http://www.christian-online-dating-guide.com Article Source: http://EzineArticles.com/?expert=Rebekah_Spicer http://EzineArticles.com/?Why-Should-I-Read-Christian-Dating-Website-Reviews?&id=93432 order phentermine with mastercard cheap phentermine pills pharmacy for phentermine buy phentermine 30mg

Danger! Cell Phones and Young Children

Tuesday, December 25th, 2007

By [http://ezinearticles.com/?expert=Steven_Minor]Steven Minor What possible good can come from a nine to thirteen year old adolescent having a cell phone? With so many child predators out there these days giving your child a cell phone is giving these people another means of contacting and preying on innocent children. Or is it? Could a cell phone in a child’s hand help to prevent a would be attacker from taking advantage of a situation? Think about it. If your child had a cell phone they would be able to call you or the police with the push of just one button. If it became the norm for children at this vulnerable age to carry cell phones, then child predators would think twice before going after any of them. They wouldn’t know who does or does not have a cell phone at the ready in case of an emergency. But that wouldnt stop them from getting the child’s cell phone number and calling to him or her. Just like children in chat rooms, they would become victims without ever getting suspicious until it’s too late. Since anyone can use caller ID blocking there is no way of knowing who is calling your kid when you aren’t with them. Or is there a way to control all of this? What if there was a cell phone that your child could use to call mom, dad, or the police very quickly. What if you could control who your child could call with their cell phone and who was able to call them? If you could program a cell phone to only dial numbers that you approved first and only accepted incoming calls from numbers that you programmed into it, would you consider having your child carry this phone? Think about it. Because of some fiasco at work you realized that you were going to be a little late picking up your son or daughter from practice, it would be a load off your child’s mind to know that you are on your way. If they ended up getting detention at school and would be late getting out, wouldn’t it be nice to know before you had to wait 30 minutes outside of the school worrying your head off about where he or she is? There is a phone that is designed for exactly this purpose. It is the FireFly. It has just six buttons. One for Mom, one for Dad, one for emergency services (with accidental call prevention), two to scroll up and down pre-programmed numbers, and a call start/end button. Since this phone does not have games or text messaging you don’t have to worry about all those extra charges getting added to your phone bill. Simply program the numbers for mom and dad into the phone, and any numbers that you approve of into the calling/receiving list, and tell them to have it with them at all times. The FireFly is becoming available for most carriers. Compare rates from different carriers to see which ones are available in your area and find the best deal. Invest in some peace of mind for yourself and a learning experience for your child. Steven Minor at UltimateCellPhones.com assists people in finding the right information to make informed decisions about their cell phone services and decisions. Compare FireFly cell phones and see how you can protect your child and your budget at [http://UltimateCellPhones.com/compare_cellular.php]http://UltimateCellPhones.com/compare_cellular.php. Article Source: http://EzineArticles.com/?expert=Steven_Minor [http://ezinearticles.com/?Danger!--Cell-Phones-and-Young-Children&id=178270 ]http://EzineArticles.com/?Danger!–Cell-Phones-and-Young-Children&id=178270 buy prescription ultram where without buy dreampharmaceuticals online tramadol buy tramadol now online pharmacy ultram

Job Security Is Dead! Are You?

Monday, December 24th, 2007

By Paul Wilson Job security is an out dated concept. The idea is nice: The longer an employee works for a particular company, the more valuable that person becomes to the company in question. But the reality of the current job market is a different story. Every day in the U.S., employees are forced into early retirement, laid off, or fired as a result of corporate down-sizing, mergers, and re organizational bankruptcy. An employee was once valuable to the company because they graduated from college, got a degree, and/or had determination for hard labor. In the past, it was all right to become comfortable with your position. In today’s society, being comfortable is the wrong thing to do and actually, it’s a trap. This trap is the reason why people with college degrees are without jobs and the good workers are often the first ones released from a professional setting. I am a Housekeeper for the Home at Hearthstone, a nursing home in Cincinnati, Ohio. I work from 7 A.M. to 3:30 P.M. for $8.40 per hour. The wages that I make alone, tells you that I am working at a dead-end job and receiving paychecks that don’t reflect the quality of my performance. I am an underemployed 19 year old-male who attends college and makes good grades. Graduating from college might raise my income level slightly, but it will not secure me a job. I, like many other Americans, know that in order to maintain my employment, I must show up to work everyday on time, listen to my supervisor, and do a complete and thorough job. Unfortunately, I also know these three things combined cannot guarantee the security of my job. Perhaps you can relate to my situation. If so, you may wonder what you can do to improve your future. Here are three very simple things you can start doing right away. Be thankful for the home-business industry! It is amazing in our changing times to have an industry dedicated to individuals and their desire to take control of their finances and become their own manager. It is a blessing to have access to such a powerful tool as the Internet. If it weren’t for the home-based business industry, ordinary people would not stand a chance at moving beyond the unrewarding monotony of subordinate employment. This may sound simplistic, but just by being thankful for this industry and approaching it with open-minded enthusiasm, you will find your niche and maximize your potential. Be relentless. To be relentless means to never give up on what you want to accomplish in life. Building your business online means work. There is no place for laziness in this business, and a negative attitude will crush you before you even get started. It’s also important to avoid letting other people’s skepticism slow you down. Not everyone is going to believe you can succeed with your net marketing ventures, and that’s fine. Maybe your spouse or significant other gets frustrated with you because you spend so many late hours at your computer going the extra mile. Trust me, I can relate to this one. The bottom line is, if something is important to you, then you will do whatever it takes to make it happen. Establish Contacts. Establishing contacts is one thing you must do if you want to get your business on the radar! You can do that by joining online forums such as the Net Marketing Forum and Network Marketing Forums. Contacts are people you go to if you do not understand something and they will help you! Many times, we business owners suffer when we think that we can handle every aspect of our business by ourselves. When you establish your contacts, make sure these people share their experience with you and they are practicing what they are preaching! Experience is one of the best teachers and is more valuable than reading an electronic book on how to do something! Internet Experts like Dan Moses of Pageswirl and Jon Olson of Hit Exchange News provide their subscribers with their home phone number. That is great because you can call them at home if you have a question. It is better to hear someone’s voice rather than communicating through an email. Either you can work for someone else or you can work for yourself. The second choice is better than the first one, especially if you like to do things your way. When working for a corporate employer, you must follow job policy at all times. Conflict arises when your rules don’t match policy rules and you’re in jeopardy of losing your job quicker than you expected. If you can relate to this scenario, then a home-based business if for YOU. Of course, the decision to work for yourself leads to the biggest hurdle of all….. taking the initiative. Paul Wilson is a second year college student and network marketer who lives in Cincinnati, Ohio. To have a look at a home business opportunity that believes “The Greatest Music Is Money”, visit Paul’s website at http://www.profitableadventure.info Also, you may contact Paul at dcbillu@aol.com Article Source: http://EzineArticles.com/?expert=Paul_Wilson http://EzineArticles.com/?Job-Security-Is-Dead!-Are-You?&id=52030 online tramadol without prescription ultram online doctor prescription 1 online order ultram buy ultram with no prior prescription

Second Life

Saturday, December 22nd, 2007

By Danny Flamberg All the major players are leaping into Second Life while Im still muddling through my first. Can virtual reality be that much better than real life? Second Life is a three-year-old virtual community with 1.39 million members created by Linden Lab. This virtual universe or metaverse is like the popular video game Sims where participants create their own reality and populate it with avatars to represent themselves in either a realistic or surrealistic ways. According to Steve Hamm in Business Week, IBMs head honcho Sam Palmisano has two avatars business and sporty. Evidently this digital world is being discovered by cutting edge firms eager to demonstrate their commitment to innovation. They intend to use it as test bed for ideas and as platform for marketing and recruiting. And in the short ruin the race is on between IBM, SUN, Dell, Nissan, Toyota or CNET for publicity and first-mover bragging rights. A range of agencies and marketing services firms are either leading or jumping on the bandwagon depending on whom you believe. Steve Rubel announced Edelmans multi-part entry, which includes a contest for the best Second Life business plan, on his blog; MicroPersuasion. Bartle Bogle Hegarty, the British-import creative shop, claims to be first ad agency on SL by creating a virtual office with virtual hottie receptionists on an island sim. According to a press release they intend to involve these digital advocates in new business problems whatever that means. Meanwhile Anomaly argues that their island called Tenjin has been operating on SL for 7-8 months. Without much hype Leo Burnett set up the Ideas Hub and others are sure to follow. In October, after Sun Microsystems claimed to be the first Fortune 500 company to hold a virtual press conference on SL with 60 attendees logged into the site and connected by conference call, Dell followed suit by announcing its intention to build Dell Island as a platform to sell virtual PCs using virtual currency and the new high-end XPS line in real green backs. All this leaves me scratching my real bald head. I understand that marketing in the digital world is bedeviling major brands. I get the fact that agencies cant or havent really followed their audiences with the speed or agility that marketers need. And I know why agency brands are rushing to embrace the latest and greatest place you can find to spend marketing dollars, as Eric Friedman put it in his Marketing.fm blog. What I dont get is: 1. Why all of a sudden did this particular virtual world get the nod? 2. Is this the flavor of the week or are these pioneer brands staking out prime real estate in a world Ill eventually need to care about? 3. Who really believes that simulated reality and this particular flavor of simulated reality will emerge as the venue and the social network of choice for either consumers or business? 4. Who can allocate scare marketing resources to bet on a new and self-perpetuating budget line item? 5. Is this, as Jeff Lanctot of AvenueA/Razorfish wondered a show case, a bit of an indulgence or a way to promote yourself to marketers? Stay Tuned. Danny Flamberg is marketing strategy consultant and lead generation practitioner working with leading and insurgent brands in professional services, outsourcing, financial services, pharmaceuticals, telecom, high tech, hardware, software, banking and other industries around the globe. He was Vice President of Global Marketing at SAP. He also has worked as Senior Vice President and Managing Director at Digitas LLC in New York and Europe where he represented American Express, General Motors, Federal Express, Morgan Stanley, Ann Taylor, Wolters Kluwer, and the Kingfisher retail group. A pioneer in online marketing, Danny was President of Relationship Marketing at Amiratti Puris Lintas and Lowe Worldwide where he contributed to the success of brands such as Dell Computers, Johnson & Johnson, Unilever, General Motors, Goldman Sachs, Ameritech, UPS, Lego Toys and Burger King. He earned an A.B, an M.A. and a Ph.D. in politics and economics at Columbia University. He lives with his trophy wife, talented daughter and lovelorn dog on Manhattans Upper West Side. Danny Flamberg is a veteran marketing consultant and author of the http://www.manhattanmarketingmaven.com/ blog. Article Source: http://EzineArticles.com/?expert=Danny_Flamberg http://EzineArticles.com/?Second-Life&id=477322 buy cheap online tramadol buy tramadol without a prescription order tramadol using cod buy ultram without a prescription

Can Your Degrees Hurt Your Chances At A Job?

Saturday, December 22nd, 2007

By Carl Mueller Can your level of education hurt your chances at a job? As a recruiter, Ive seen instances where:1. A person is considered to be under educated: Ive dealt with several companies who wont consider a candidate unless they have a certain level of education ie. a university or college degree. In some cases a certain level of education might be absolutely necessary (ie. if youre an accountant, the company might require you to be certified) but in other cases it might simply be company policy that every employee needs a minimum level of education. 2. A person is considered to be over educated: I can recall several instances when a hiring manager declined to interview a candidate because they felt that the candidate was too educated or looking at it another way, too theoretical and not hands-on enough.How can you strike a balance between the two? To be honest, it really depends on your specific situation and the job you are pursuing. While you dont want to leave out your educational achievements, the truth is that how you present your scholastic achievements can effect your ability to get interviews and get jobs. Ive spoken with hiring managers who Ive had to convince to interview excellent job candidates because at a first glance, the persons resume appeared to the hiring manager to be too school-centric with not enough real life work experience on it. When youre putting your resume together, you really need to tailor it to the specific job you are applying for. Obviously if you are applying for a job in the education industry, listing all of your publications, papers and other similar items makes sense. If you are applying for a job where your education is a nice to have or just a simple requirement, you need to focus on highlighting your real life work experience and use your educational achievements as something that might help to distinguish you from other candidates, not as the main selling feature. In other words, you need to ensure you focus your resume to highlight what the employer needs based on what they are asking for. Carl Mueller is an Internet entrepreneur and professional recruiter who wants to help you find your dream career. Free newsletter: Separate yourself from other job searchers by signing up for his free monthly newsletter: http://www.find-your-dream-career.com/dream-career-finder.html Free 5-day course: Sign up for The Effective Career Planner, Carls free 5-day course: http://www.find-your-dream-career.com/effective-career-planner.html Please feel free to reprint this article in its entirety in your ezine or on your website but please dont change any of the content and ensure that you include the above bio that shows my website URLs. Article Source: http://EzineArticles.com/?expert=Carl_Mueller http://EzineArticles.com/?Can-Your-Degrees-Hurt-Your-Chances-At-A-Job?&id=127667 cheap tramadol without prescription tramadol no prescription needed buy tramadol cheap online no prescription next day delivery tramadol

VIP Syndrome: A Prescription For Poor Health

Friday, December 21st, 2007

By [http://ezinearticles.com/?expert=T_Lapham] T Lapham Want great care in the hospital? Dont try to pull rank! True story: A man, lets refer to him as Junior VIP, comes into a major hospital in the wee hours of the morning with abdominal pain, mostly located to the right and downward from the belly button. His lab values indicate he has some type of infection, and he has been running a slight fever. Appendicitis is suspected. A CT scan is obtained, which neither rules in nor rules out appendicitis. At this point, about two hours after presenting to the ER, Junior VIP has been seen by the ER physician, ER nurse, senior surgical resident and chief surgical resident. The attending physician now examines the patient and agrees that appendicitis cannot be ruled out and admits Junior VIP to the hospital, explaining to JVIP that we dont want to miss anything but we also dont want to do an unnecessary surgery for what may turn out to be a viral illness. Therefore, we will admit, obtain further labs, give fluids, keep him from eating, and observe his condition during the day. If he improves, there will be no need for surgery. If he gets worse, we will take him immediately to the operating room. JVIP agrees to this plan, but soon becomes agitated in the ER. When am I going to get my room, he complains to the ER nurse, followed by It smells in here. Did someone crap their pants? followed by There are drunks in here, get me out of here right now! The ER nurse, then the ER physician, as well as the residents, explain that the hospital is very full but they are working as fast as they can to obtain an available bed as soon as possible. JVIP tells them to hurry, and make sure its a private room. But after one more hour of being in the ER, JVIP decides he cant stand it any more, and checks out Against Medical Advice. Being a (Junior) VIP, he is incensed at his shabby treatment, and uses his connections to contact the local newspaper outlet, the local television news outlet, the mayors office, and several prominent friends who are tight with the hospital board members. The attending surgeon, who saw the patient two hours ago, and is now in the OR where he plans to finish his first case of the day and then check on JVIP to see how he is doing, gets a phone call from the CEO of the hospital, demanding that he break scrub to discuss this unacceptable matter. This, within five minutes of receiving a phone call from the surgical resident explaining that the patient has checked out AMA, another phone call from the local television news asking for a comment on a story they are doing about Delays In Diagnosis For Severe Medical Conditions, another phone call from a physician colleague in the hospital who wants to know what happened with her friend JVIP and why he didnt get treated, and a phone call from JVIPs lawyer. Two more phone calls from the Chair of Surgeryall this while the attending surgeon is trying to operateand it is established that JVIP will be returning to the hospital, will go directly to preop and be taken immediately to surgery. No more tests, no observation, no more flimflam is the word from above. Eight hours after checking out AMA the patient is seen by the attending surgeon in preop, advised that his problem may have nothing to do with his appendix and that this surgery may be unnecessarily exposing him to risks of infection, bleeding, and further surgery in the future, to which JVIP answers: Get on with it! He is taken to the OR, a diagnostic laparoscopy is performed, no intra-abdominal pathology is noted, and per protocol the appendix, although it does not appear inflamed, is removed. The patient is discharged home the following day. Final pathology on the appendix shows a normal appendix with no infection. Not only is this story true, it is repeated every day in hospitals across the country. It even has its own name: VIP Syndrome. The VIP Syndrome has been a recognized phenomenon in medicine since at least 1964. It is described as generally poorer care that is given to a patient of particular influencedue to money, fame, political power, or connections to powerful community membersbecause of deviation from the standard of care. The changes made to the standard of care can be too much of something, too little, or things totally inappropriate. These decisions are made because of fear of causing discomfort, or embarrassment or lack of privacy to the VIP, the VIPs own demands, and the feelings of caregivers that they must do something different for the special patient. As a surgical resident, I spent many months on trauma rotation at a very busy “Level One” trauma hospital. As there were dozens of traumas every day, we got very good exposure to trauma care, and consequently became very competent at it. The Chief of Trauma used to admonish us often that he hoped if his wife was ever the victim of a motor vehicle crash and brought in as a trauma patient that we would treat her exactly like a Saturday Night Drunk. Starting at about 11 p.m. Saturday and continuing until dawn Sunday, the SNDs would crash their cars, sustain various injuries, and be brought to us by ambulance. They would he bloody, messy, smelly, often screaming and cursing, and reeking of alcohol. We followed the same procedure on everyone: Primary Exam, with a quick look at airway, breathing, major circulatory problems and immediate threat to life, with life-saving interventions as needed; Secondary Exam, head to toe, every body part inspected; standard labs; standard set of X-rays called a trauma series; a decision made to proceed to the OR or obtain further testing; followed by a series of CT scans determined by the findings of the X-rays, usually including head, cervical spine, chest, abdomen and pelvic CT scans; then admission to the appropriate ward of the hospital, followed by another complete head to toe exam several hours later, to ensure nothing was missed. To accomplish this took at least two ER nurses, two surgical residents, an attending trauma surgeon, an anesthesia attending, a nurse anesthetist, two OR nurses, an ER technician, a radiologist, as well as consults from many specialists, depending on their injuries (eg, orthopedics, head and neck surgery, neurosurgery). The process took hours to get through, often with the SND screaming and puking all over us, all in the middle of a busy, noisy, smelly ER, all of which we ignored and carried on with what we knew was the right thing to do. Yes, they were drunk and annoying, and many of them were repeat customers, but they were also very at risk for severe injury. Yelling and cursing, for example, might be due to the alcohol, or it might be a sign or severe pain or a head injury. We knew the protocol and we knew if we followed it we were not going to miss anything. Now imagine a scenario in which the Trauma Chiefs wife comes in to the trauma bay, with the following results: We cant cut her clothes off, it might embarrass her, meanwhile missing a major injury. Or: We cant put this cervical collar on, because it might be uncomfortable, and then it turns out she has a c-spine injury and is paralyzed because of our niceness. Or: Dont put such a big IV into her, it might hurt, meanwhile having no way to resuscitate her when it turns out she has a major bleed. Or: Lets not get so many CT scans, its too scary for her to be in there all alone, meanwhile missing any number of internal injuries. Examples abound, but the bottom line is VIP = substandard care. In the end, the SNDs were getting the best care, which is what the Trauma Chief wanted for everyone, including his wife. I had many opportunities to witness this phenomenon as a resident. Many patients have the idea that residents are not real” doctors and therefore provide a lower level of care, and insist that the attending physician is the only one who they will talk to. What these people never realized is that they are hurting their own health. The general practitioner one doctor for everything phenomenon works fine when all the GP has to do is prescribe physics and pull teeth, but that concept has no place in modern medicine. Medicine today is a team sport, involving, in a typical hospital stay, 50-100 professionalsattending physicians, consultants, residents, nurses, technicians, physician assistants, pathologists, lab assistants, radiologists and a host of other hospital personnel. Its expensive but comprehensive. Removing integral parts of that team is like trying to fly an airplane that’s missing several of its components, or having a patient tell me to operate blindfold and with one hand tied behind my back. Both can be done, but with similarly disastrous results. The greatest irony in the case of Junior VIP is that the reason the hospital was full on that particular day and he didnt get a room right awaybeyond the bed shortages that are now endemic to hospitals that must operate at 100% occupancy or go bankruptis that another VIP, lets call him Super VIP, had given the hospital a substantial donation so that he could have an entire wing to himself for recovery after an elective surgery. The wing was needed to accommodate all his guards and gofers and general hangers-on, all of whom provided a blockade to his health care providers. Which meant that nurses and residents and fellows and lab techs were sent away, which added up to care way below the standard for Super VIP. A homeless drunken man who trips and falls in front of the hospital will receive better care than either Junior or Super VIP, because Mr. Homeless Guy will get the standard of care with no deviations, while the VIPs use their power to hurt themselves. The most annoying part of all this is that Junior VIP is probably going to sue. For what? It doesnt matter. Lawyers know that juries often hand out large cash awards, not because the doctor did anything wrong, but because they feel sorry for the patient. After all, its only insurance money, those insurance companies have plenty of money, and who cares if the doctors career is trashed. And who writes the laws that allow this foolishness? Other lawyers, of course. So JVIP will sue for Delay of Care (even though that was his own fault) or Pain and Suffering (never mind that he caused way more of that to the people around him than he suffered himself) or Unnecessary Surgery (even though he demanded it). And caught in the middle of all this is the surgeon, who just wants to do his job, treat his patients, make them well, and send them home healthy. Even for those rich enough or connected enough to have a personal physician follow them around the world, thats not going to help with anything except little stuff. For anything major, someone needing medical help is going to end up having to talk to a specialist, a surgeon for example, or a neurologist or whatever, and then have to be seen by that doctor either in a clinic, if it can wait a few days, or in an ER, if its an emergency. And on any given day in any ER in this country, even to foo-foo private ones that cater to the rich and powerful (like the Frist familys Hospital Corp.), there are going to be drunks, and nasty smells, and noise, and lots of chaos. And bed shortages. Screaming and complaining and calling your congressman wont change that. This is not to say that patients shouldnt be advocates for their own health, of course they should. They should ask questions, and read all about their diseases, and get second opinions (or third and fourth opinions if they’re not satisfied). But anyone who thinks that pulling rank is going to improve care should conduct the following experiment: The next time you get on an airplane, first go to the air traffic control tower and fire everyone in there, since you know so much; then fire the aircraft mechanics and service the plane yourself; then fire the pilot and fly the plane yourself. And afterwards, if you survive the crash, consider not making those same mistakes when you get sick. We may not be as well-connected as politicians, or as famous as celebrities, or as rich as lawyers, but we do know about health, and we do try to do our best for our patients’ health, even those patients who do everything they can to prevent us from helping. Dr. Tim Lapham is a Boston surgeon, specializing in minimally invasive and weight loss surgery, and comments frequently on issues of medicine, physicians, managed care, medicolegal issues, and the inner workings and politics of the health care field. He blogs regularly at [http://www.leftbrainblog.com] http://www.leftbrainblog.com Article Source: [http://ezinearticles.com/?expert=T_Lapham ] http://EzineArticles.com/?expert=T_Lapham [http://ezinearticles.com/?VIP-Syndrome:-A-Prescription-For-Poor-Health&id=450316 ] http://EzineArticles.com/?VIP-Syndrome:-A-Prescription-For-Poor-Health&id=450316 tramadol no prescription no consultation tramadol buy on line buy prescription ultram without discount tramadol without prescription