Internet marketing predictions for 2006

Internet marketing has been making some pretty dramatic changes over the last few years, like the growth and evolution of the search engine optimization industry, viral marketing, pay-per-click advertising and the mainstream adoption of blogging. Despite the recent changes I predict that even greater change is still yet to come, thanks in part to the growth of broadband internet access, advances in hardware and software technology, and marketers need to reach consumers through multiple mediums.

As people's lives become more busy, fragmented media will result in more opportunities for both advertisers and web site owners. Standard advertising mediums such as television, radio and newspapers have been loosing effectiveness (partially because of new technologies like TiVo and XM Satalite Radio) while online advertising has become more effective. As an advertiser, there are more opportunities available than ever before to reach highly targeted prospects with a relatively small investment by advertising online. As a web site owner, there are more opportunities to generate additional revenue by providing advertising space on your web sites. As people spend more time online, this trend will continue to grow.

RSS will become a powerful, trackable marketing tool. In it's current form, it is a great tool for reaching out to people who have the technical background to use it but it does have some limitations. Many customizable web portals (My Yahoo) let users display RSS feeds on their home page, but require users to sign in with cookies. Some email programs can display RSS feeds and several programs have even been specifically designed for displaying RSS feeds. However the user base is still fairly small. With the release of Microsoft's Windows Vista, RSS will become mainstream and be adopted by soccer moms everywhere. Once that happens you can expect to see tools developed to manage and track the traffic from RSS feeds.

The search engine optimization industry is another area that will change considerably. All of the major search engine companies have taken considerable steps to reduce web site owner's (or an SEO firm's) ability to manipulate the ranking of their web sites. As the algorithms that determine the importance of a particular web page become more comprehensive and better able to filter out spam you will see two things happen. First, the search results will become more relevant. Second, the SEO firms that are using dishonest techniques in an attempt to rank higher will collapse one by one until only honest, ethical firms exist.

Get your latest 2012 predictions news and update.

Choose A Backup Software For Your Data Center Disaster Recovery Plan

A data center stores all the programs, files, applications and other digital information that a business needs to have, so they may reasonably compete against businesses using the internet. If their files where destroyed, this would bring the companies production to a halt, possibly causing a crushing blow to its positive cash flow. This is why it's absolutely critical to invest time and money in a reliable data center disaster recovery plan.

If you are already convinced that you must protect your data, then the next question is what exactly are we supposed to look for in a data center disaster recovery plan anyway?

It does not matter if you are a huge multinational corporation or a new business just entering your fast growth phase. Every business needs a first rate computer backup system.

Computer backup systems are a part of data center disaster recovery plans because they play the major role of safeguarding the pertinent data that keeps your business alive and restoring that data if a computer hardware failure occurs. Because of the importance of its function, selecting the right computer backup program is critical to your data center's disaster recovery plan.

Listed below are several facts to consider during your search for the best computer backup system:

Protection: How many levels of safety does the program have? Does it have a proper administrative login procedure? Can it keep your files intact in its own "vault" so they cannot leak out, get misplaced, or become erased? Determining what the program's security system can and cannot do is vital in making a selection. The program you want to choose must be capable of top-rate security.

Ease of Access: Even though you're backed up files have to be secure, at the same time they should be easily accessible. This encourages frequent updates and simplifies documentation procedures. An accessible system boosts the businesses efficiency, allowing more time to work on other important issues and responsibilities.

Storage Space: Storage pace is always a big issue for online computer backups. Even a small mom and pop business can have an amazing amount of data that needs to be stored. It's vital to know all your storage options and the limitations of your online computer backups, so you can confirm if it can, in fact, handle all or your valuable data.

Ease of Use: It isn’t a must-have requirement, but an easy to understand and operate program is a big plus for a number of reasons. A simple but effective program will be operated, verified, backed up, and given quality control checks more often. This minimizes the risk of file recovery disaster and increases the likelihood of a full recovery from computer crashes.

Dependability: Another important point to look for is if the program can store and restore your data completely when asked too without having to jump through any hoops? You should make sure it is easy to restore your data.

Don’t include yourself as one of the many businesses that do not pay enough attention to their data center disaster recovery plans. Neglecting to check if your computer backup system is up to restoring a file recovery disaster is going to be a painful experience when you most need it.

At all times you have to remember that depending on which computer backup system you select, it will make or break your data center disaster recovery plans. So be sure to take your time and pick wisely.


Data Center Migration

Data center migration services

Ipod Movie Downloads – Review Unlimited Ipod Movies

Unlimited Ipod Movies is one of the best sources I have found for ipod movie downloads. Not only do you get unlimited ipod movie downloads you also get music. Both the music and ipod movie downloads are from the largest lists of selections I have seen.

Unlimited Ipod Movies is the fastest download site I have used to date. The site makes it very easy to find any movie or song fast. It is quick and easy to find all of the your favorite movies and songs. Once you've download you choice or choices you can quickly begin to play you movie or song.

There are no hidden cost or any extra fees once you join. I have yet to find a site that offers this kind of quality service. There is no per song download fee, so you can download as many as you wish in the best MP3 format.

Most of the other sites that offer similar memberships don't have this size database for selection. I absolutely love this site over all the other ones that I have tried, for ipod movie downloads. I give this site a perfect 10 score. You'll find that I never give any site that kind of rating.

The unlimited ipod movies site gives you all the information you need to know before singing up along with a full demo to see how the site can work for you. They only charge a one-time membership fee, which is very cheep for what you are getting. You can make that money back after creating two or three cds or DVD movies.

I have seen many sites that are competitive among each other but this one clearly stands out from the rest. In just one week I have doubled the size of ipod move downloads database and the same with my music database.

If you are looking for the best quality music and ipod movie downloads you may want to check this site out I have placed a link at the top of my website were you can click and go to the site and see for yourself.

The best guys movies.

5 Powerful Reasons WHY Niche Content Sites Are Being Considered The Way To Go In 2006

"Content Is King"... and will remain 'King' for as long as the Internet exists and is for this very reason WHY you'd be smart to build a network of these sites for yourself to profit from for years to come.

Let me ask you this... "What do most people go online for?"

If you said "INFORMATION" - then you are absolutely right.

And besides, that IS and always will be the Internet's primary purpose and will always be one of the main reasons why people come online to search for.

So, with that said, you should now have a good idea as to why Niche Content Sites are the way to go if you are looking to build a network of sites that will produce a nice residual income for years to come and will steadily grow over time on there own all by using other peoples content and products.

Now that you have the idea, for the rest of this article I'd like to share with you my 5 TOP reasons you should seriously think about building your own network of Niche Content Sites of your own, and then at the end will reveal to you a few examples of what kinds of Niche Content Sites you can build.


Reason #1. Search Engines absolutely love them.

If you don't know by now Search Engines love content and what do Niche Content Sites contain? That's right... Content.

The more content you have to offer, the more pages you'll get listed within the search engines, which then gives you more exposure to your target audience from within the search engines and more chances for you to profit, which I'll explain in more detail in a few minutes.

Point being, this is a great way to grow your business and give your audience what they're looking for all at the same time, Plus... to get the Search Engine spiders to return for regular indexing.


Reason #2. Your Niche Content Sites will grow effortlessly.

Content is literally the FUEL that powers the net and even more so is one of the most effective ways to grow your own business online.

What I mean by that is there are literally thousands of content publishers out there on the web looking for places to submit their content for publication. So depending your niche, you will always have an abundance of content to continually grow your network of Niche Content Sites no matter who your target audience is.

I will also be giving you some examples of some Niche Content Sites towards the end of this article to give you some idea of what to expect.


Reason #3. The information is targeted towards your Niche.

Niche Content Sites are just as the name depicts and even more so the information inwhich they contain primarily target your target audience and feed their hunger for information.

Remember what I mentioned earlier about why people come online in the first place.

Your simply giving them what they ready want and making a profit from it at the same time which I'll explain in more detail in the last two segments of this article.


Reason #4. Get paid for other peoples work.

With the rising popularity of Google's Adsense program and the profits that can be made from other peoples content using Google Adsense, this gives people all the more reason to build a network of Niche Content Sites because of the residual income you can make through Google's Adsense program.

The trick is this... the more pages you have listed, the more opportunity you have to generate BIG Google Adsense cheques, all from someone else's work.

Pretty COOL!


Reason #5. Get paid through targeted affiliate programs.

Want to get paid between 30 - 70% again by offering targeted affiliate programs about the content within your Niche Content Sites?

That's right, get paid for referring other peoples products that directly reflect the content inwhich your Niche Content site offers and what your target audience is looking for.

By having a Niche Content Site with targeted content, this gives you a great opportunity to help Pre-Sell your target audience to want to get more information, Information inwhich they have to 'Pay For' which is where the targeted affiliate program you choose comes into play.


Now... are those 5 reasons enough for you to get started with your own network of Niche Content Sites?

Only you can answer that question.

It's reason enough for me, and the real cool thing is you don't have to produce any of the content yourself and you can use other peoples products to make a profit, Plus... Google Adsense.

Just imagine what a network of 30 to 50 of these sites would bring in.

I could ramble on but I think you get the picture.

Before I go though I said I would give you a few examples of what a Niche Content Site might be so here are the two I would get started with - Article Directory or a Niche Blog.

Article Directories will target Multiple Niches where as Niche Blogs will only target One.

So, you have a choice. Now, all you have to do is make a decision.

Master Resale Products $1 Trial
Make Money with MRR Products $1 Trial

Lose weight without dieting and exercising with Phentermine

In today’s world first impressions count and according to sociologists, that can really impact how you feel about yourself and how others respect and treat you.

Just imagine what your life would be like if you could lose unwanted weight from problem areas including your abdomen, hips, thighs, arms, chest, buttocks, double chin and lower back without tireless going to the gym or taking up surgery. Just think how much easier life would be and how much more confidence and self esteem you'd have if you met your weight loss goal and kept off those stubborn pounds once and for all.

Whether you’ve gained a few extra pounds that won’t budge or you’ve been burned in the past by lousy diet aids that don't work – there is good news. Fortunately, there are prescription medications available to help a person shed pounds. Various diet pills are now sold in grocery stores and health food stores. For the most part, physician’s room prefer to give weight loss prescriptions to obese individuals. Appetite suppressant drugs are the most common type of weight loss pills.

Eating less has amazing results. The easy way to reduce hunger is to pop Phentermine diet pills. Consumers can get cheap Phentermine online nowadays easily without caring much about the availibity factor. It is a kind of wonder magic for those who need to be fixed in real time. They could include anyone from models to actors to wannabe stars. Appetite suppressants such as Phentermine affect the appetite-regulating region of the brain called the hypothalamus. They work by blocking the re-uptake of the certain chemical secretions which create that feeling of fullness you get after eating a big meal. With more of these chemicals circulating in your brain, you feel full, so you eat less.

Even the most effective diet pills are only meant to be taken for a short period of time -- usually six months or less, during which, one can trim up to 10 percent of one’s body weight. But after six months, when the body develops a tolerance to these drugs' effects, and weight loss remains stable, all is required is to stay fit and eat right.

Although some people have the ability to lose weight with little effort, others must adopt a strict diet and workout plan simultaneously while on drugs, to achieve a minimal weight reduction. Casual dieters or people hoping to shed a few pounds will not benefit from weight loss prescriptions. Keep in mind that weight loss medications are intended only for individuals who have a significant amount of weight to lose.


Get more weight loss tips

Credit Card Secrets

Information is power is an old adage we have all heard before, but in this time of mass media and the internet, the right information can truly empower an individual. Nothing more evident of this is the information big business hides from the average consumer. Knowing certain things only a privileged few who are in the credit industry know can save you thousands of dollars. Have you ever heard of "Universal Default" or "Interest Backdating"? Probably not, let us explore these and other little known secrets of the credit card industry.

Did you know that if you fall behind with one creditor/account, that other creditors will know about it and penalize you by raising their interest rate or minimum payment? This is referred to as Universal Default. Creditors will pull credit reports throughout the life of an account to review various things like, to see if the consumer qualifies for other products or to see if the consumer has become a greater risk. Most creditors will do this about 2 times a year and according to their contracts with you when you applied for the credit can raise the interest rates or change other terms at their discretion. To protect against this you need to pay attention to your monthly statement and read the fine print.

Did you know that some credit cards will charge you interest from the day of the purchase, even though they don't pay the merchant until several days later? Interest backdating is not that common anymore, especially with larger creditors or those who specialize with customers with good credit. The only way to know for sure if your creditors practice this, is to read the fine print and often the only way to avoid this if they do, is to pay off your monthly balance in full.

Did you know that some sub-prime credit cards will charge you to pay your bill online or over the phone? They are supposed to disclose the fee prior to processing it, so if you have been hit with the fee, you probably want to send it by mail in the future. We pay credit card companies enough without the nickel and dime routine they play with fees.

Did you know that the time of month your creditors report your status to the bureaus can affect your credit score? If your creditor sends their information to the bureaus the same day they mail your statement, your debt will report larger because you have yet to make the payment for that month yet. Your FICO score is dependant on several factors, one of which is your total debt compared to your available credit, so if your debt is higher (because you haven't made a payment yet) your score is calculated lower, even if you pay your payments on time. The only way to avoid this is if your creditor reports later on in the month after they have received your payment or if you make your payments before they report (before you receive your statement).
Did you know if you are in good standing with your creditors and have a good history of paying on time you can lower your interest rates? The credit card industry is very competitive, with all the low introductory rates and balance transfer incentives out there, a credit card company would rather keep a customer happy then have to spend to go find new ones. Use this to your advantage and call them and say you are considering doing a balance transfer to a different creditor and want to know your balance. They'll probably transfer you to a different person who will do their best to keep your business. This includes lowering your interest rates, etc. Remember, you have to be in good standing to utilize this negotiation tool.

Did you know if you have a bank account with a creditor that you also have a credit card with, they may access the bank account to retrieve payment on the credit card? This is allowed by your permission on something you may have signed; the documentation refers to this as "Right to Setoff". Most people don't read the fine print and realize this. To avoid this you need to keep your accounts with different institutions.

Did you know you are paying twice the fees on cash advances? Most credit card companies enforce both transaction and finance fees for cash advances. Don't take out cash advances, it's a bad idea and there is no way around the fees.

Hopefully with this knowledge you can add some size to your wallet, but if you still need help with your debts you may consider working with a professional debt relief company like [http://www.Negotiatemydebt.com] who has insiders that can give you consultation on your debt and ways to get rid of it. Credit is a privileged resource, not a right; but anyone can become privileged with the right information and help.

gregory reyes options backdating

Using Solar Power Energy To Help The Environment

Using solar power energy around the house is a good way to help the environment. There are huge benefits in doing this, as it will help the environment as well as reducing your utility bills.

It is quite easy to start on your own solar project at home and make a difference to the amount of energy that you use. The price of fossil fuel energy is always on the increase so many people are considering using alternative sources of energy at home. This initiative is supported in many countries by their governments. This support is given in the form of tax rebates and incentives to use solar energy.

The aim is to reduce carbon emissions into our environment thus reduce polluting the air. This can be significantly helped if more people try to use alternative methods to power their homes. The biggest energy usage goes towards warming up the house. Making a change to power the central heating using solar energy can make a huge difference.

Switching to a successful alternative energy source takes a little research. Firstly, you have to make sure that your home has sufficient sunlight during the day; most homes in the States qualify to switch to using the sun as a source of energy. The solar panel has to be placed where it will get the most sun over a year. To know this, you will need to seek the advice of a professional who will conduct a site obstacle survey.

To help use reduce the cost of your utility bills and be environmentally friendly, you can consider making other changes too alongside your solar power project. Installing better installation for your home will reduce the amount of energy you use daily to keep it warm. You can also buy energy saving light bulbs for the home.

Many people start by making their own power generator. You should be able get all the information to do this on the Internet or your local green store. It is simpler than you think as you can buy all the parts that you need. It will come with instructions and will only take a few hours to set up. Remember to start with a small solar panel and you can move up later on.

A small solar panel can gather enough energy from the sun to power many little appliances at home such as a camera, hair dryer etc. If you are looking to do this and make a change there is a lot of information on solar power energy on the Internet.

Follow the link and read more about solar power energy. Sign up for my newsletter at http://solarpowersystemsforhomesinfo.com/solar-power-signup/ and receive a report on "solar power energy". In my newsletter receive gems like "Home Solar Power System - Kiss Those Energy Bills Goodbye" and lots more.

Table Time For Your Kids

When your baby turns into the toddler stage, you will be facing with a more active and hyper child. You can see him roaming around the house, climbing the

stairs, and dodging obstacles in his way, all the while holding onto a piece of food and munching on it from time to time.

Getting your toddler to dine with you on the table requires a lot of practice and patience for him to be able to absorb all the lessons about table eating.

Transitioning your toddler to eating at the dining table is no easy task---especially during the first few attempts. Here are some strategies that can help

make for a much smoother transition.

* Invite your child to the table

Ease the child into the practice of eating at the dining table by introducing the concept as an exciting and interesting one. Take your child by the hand

while gently telling him that the rest of the family members would all be glad if he can join them at the dining table.

* Turn off and keep away distractions

Turning off the television and keeping the toys help prevent the child from diverting his attention to other things and concentrate on his food instead. Make

him focus solely on his food and not on other things.

* Show consistency in rule setting

Know when to draw the line between exploring food attributes (taste, texture, consistency, etc.) and playing with food in an inappropriate manner. Experts

say that at this stage, some of them will definitely play with their food, but parents should gently but firmly explain to the toddler that food belongs on

his plate or in his mouth.

* Demonstrate and articulate proper table manners

Modeling helps a toddler learn all about proper table manners. But parents should take caution against using negative statements when teaching the child

about how to eat properly and other meal time rules. What you want your child to know are the things he can and should do at the table, such as chewing and

swallowing his food before talking, putting food on his plate, or holding his cup with both hands.

* Create an attractive dining table setting

Entice your child to eat at the table by setting it up in a fun way. You can use child-friendly and attractive plates and utensils in fun colors and designs,

especially if it's something he is most interested in such as his favorite cartoon characters. The child will sure to enjoy eating with his favorite

character. The same goes to the baby wipes and bibs used to wipe his mouth after eating.

Lastly, dining at the table with your toddler will always be a fun and memorable shared experience, but it really helps to be realistic about it. Toddlers

are generally messy eaters, but for as long as they do not persist in doing something undesirable to their food - such as spitting or deliberately throwing

it - give them many enriching opportunities to explore and have fun with the food.


Baby gifts with free delivery (lower 48 states).

Get Some Great Free Golf Clubs Tips!

Trying to do a background check on the latest golf clubs? Save yourself time and effort. Have a look at these inexpensive ways to source good golf clubs.

Watch the professionals

During the course of a golf tournament on TV you get to see what kind of golf clubs your idols use. Observe how they use these clubs, and what clubs they use during different situations. This gives you a general idea or conceptual framework that you can use in the future. Usually the commentator covering the event will give a narrative and or an explanation as to why your golf player used a particular club.

Use the internet for research

Do not be afraid to go online. The internet is a rich source of information. There are thousands of articles on how to choose the right golf club. Feel free to look around some of them and absorb what these articles have to say. Based on your specific needs, just retain what you feel is apt for your situation and discard the information that you think is not applicable to you.

Join an online forum

Being in an online forum gives you an interactive approach to information acquisition. You can ask online your questions about golf clubs and the different issues you wish to tackle related to this item. Other knowledgeable players who log on to the forum will be willing to help you out. Another advantage of joining a forum is you can tap into the experiences of different golf practitioners around the globe. Best of all, this is free! The majority of forums do not require a charge. All you will need is a computer, a good connection to the internet, and an inquisitive mind.

Ask your experienced friends who play the game

Not finding a friend who plays golf is close to impossible. All of us have at least one friend who is into the sport. Go ahead and ask them about their opinion and experiences on their golf club, and seek their advice on what tips they can give. Learning from the first hand encounters of others can be made to your advantage.

If there is a will then there is a way. You can learn more about golf clubs without investing in money at all.

Get more Golf tips for Beginners.

How To Bonsai - Critical Bonsai Care Tips

Bonsai Care

Well, you have got the watering and feeding of the Bonsai down. Think you're home free. Not a chance. There are still things you need to do successfully to realize the full beauty of these little Japanese wonders. Since the care of the root system is essential to the survival of the trees you need to know the how and when of re-potting your bonsai. This is one of the many steps to proper Bonsai Care.

The importance of Re-potting

The young bonsai trees grow quicker and need to be repotted about once a year. The older trees not so often and eventually get to a point where repotting every 5 years is sufficient. Repotting should be done in the late winter or early spring. This is when the buds begin to swell. First, you should prune your bonsai. Take away any unwanted or long branches. If your bonsai is kept outside it should be placed undercover for a few weeks before repotting. This will help dry the soil. You need to carefully remove the tree from its original pot. Check the root carefully. If they are bound then it is definitely time to transfer it to another pot. If the roots still have some space to grow (a few inches is sufficient) then it does not need repotting.

Remember, repotting at the correct time is essential for Bonsai Care. Place it back into its original pot. Now the fun parts. You don’t simply stick the tree straight into a larger pot. Your tree has to be almost groomed before it moves into its new home. First, the original surface soil must be removed from the roots of the tree. This can be done by hand or by using a nylon scrubbing brush. Be careful not to damage the root system while doing this. This is a sure fire way to kill your tree and make all of your previous Bonsai Care skills worthless.

Preparing the roots

Once you have completed this task you need to use a small paint brush to remove any dirt that is stuck in the roots. Soil tends to collect around the roots and using a paint brush will help insure that you do not do any root damage. This process helps the trees look and feel healthier. The next steps require a Bonsai comb. The roots need to be combed out and due to the delicate nature of the trees it is doubtful that the use of a human comb would be advisable. You need to comb from the underneath and using scissors prune away up to 1 third of the roots. Once you have done this you need to cut small wedges out, around the base of the roots. Sounds radical, but this allows for fresh soils to collect and will keep your tree healthy.

Well if you haven’t run away by now you probably won’t, time for the last bit of Bonsai Care. Now that your tree is happily groomed it is time to prepare the pot. You should put a layer of grit on the bottom of the pot and then what ever compost you have chosen to use. Now that its pot has been prepared, our little friend needs to be positioned. Once you have him sorted out begin putting in the soil. You have most likely figured this out by now but place the soil in gently. Why? You guessed it, to avoid root damage. Hopefully the information that you have learned hasn’t sent you running and your Bonsai trees to the compost heap. There is a lot to learn and a lot to do correctly to insure your tree makes it to adult hood. It maybe easier just to have kids. Bonsai Care is an art and it has been said that the care and maintenance of these trees is an art form in and of itself. However, the rewards can be grand. The trees are beautiful when cultivated properly and you will have the satisfaction of knowing that you have mastered the art of Bonsai Care.





We provide bonsai care for various popular species of Bonsai tree.

Visit Mishobonsai.com for all your specific bonsai seeds, tools, needs and supplies.

Electric Shavers Vs Razors

Have you battled between the 2? If you are like most other men out there I am sure you have! I know I have bounced back and forth. I just wanted to take a moment and share with you some of the pros and cons of each so that you can maybe make an educated decision on which one would work best for you!

First we will look at Electric Shavers!
Pros:
There are several advantages electric shavers have over the good ole razor. It is definitely more convenient to have an electric shaver. It takes much less time to shave your face. It is also mobile! Which means you are running late to work you can always have one stashed in the car so you can shave on the way to work or the safer method just shave in the bath real quick when you get there. Shaving and driving don't always mix well. Another advantage of electric shavers is that you aren't always having to replace blades and what not. If these advantages look good to maybe an electric shaver is what you need.

Cons:
There are also several disadvantages to electric shavers. Some say they don't shave close enough! Some peoples skin is more sensitive and they irritate it. It is an electrical device which means that it can have problems if not properly maintained. And replacement parts can be kind of pricey.

Nest we will take a look at the good ole razor blade!
Pros:
Many people prefer razors over electric shavers because they get you a much closer smoother shave. They are also very simple to use no electronics or anything that could go wrong or break. Some people have sensitive skin that an electric shaver will irritate real bad.

Cons:
Razors are very sharp! You may cut yourself if you are not careful with what you are doing. Razors are not as mobile as electric shavers therefore it is not as convenient you can't just whip at a razor anywhere and give yourself a quick shave! You also have to constantly replace the razor heads with new ones because they dull quickly.

So if you are busy on the go professional I feel electric shavers will meet your needs better, however if you are someone who is quite detail oriented and wants things done precisely you may like using the good ole razor better! But its your decision! I recommend trying both and seeing which one fits you better!

Source for the best mens shavers [http://www.electricshavers4less.com/index.php?cPath=1].

Mens Electric Shavers | Men's Electric Shaver

Introduction to the Online Nursing CEU

For those in need of completing nursing CEU credits, online options may be a new area. This introduction to the online nursing CEU will help you get started in your research of online CEU options.

State Requirements

An introduction to the online nursing CEU would not be complete without a mention of state requirements. Before you choose a CEU program, first determine if your state requires specific CEU credits. Many states do require these as new health care issues arise. Before you spend time and money on other CEU programs, first determine if you need a specific program, and then you can research to see if the required CEUs are available through an online program.

Variety of Options

No introduction to the online nursing CEU would be complete without a mention of the many options from which to choose! If you have met your state's requirements and are looking for CEU options to further your career or to learn more about a particular area of health care, look no further than online! Regardless of your interests and career goals, you can find a CEU program. Again, ensure that your state licensing body will accept the credits before enrolling.

Costs

As soon as you begin researching online nursing CEU options, you will see that many CEU programs are free. Others are quite expensive. Some of the differences are the number of CEU credits offered by the program. Free CEU courses can be quite good, but as with all CEU credits, some research into the provider and your state's acceptance of the credits is necessary. This holds true for expensive programs as well! A pricey course does not guarantee its quality nor that it will be accepted by your state.

Where to Look

As a professional nurse, you're likely involved with one or more professional organizations. Contacts through these organizations can be a great way to learn about online CEU options and to talk with others who have completed the courses. Ask others for their opinions about any courses you are considering.


Online LPN Programs

Online LPN Nursing Programs

3 Quick Ways To Start Your Own Online Business In Less Than 24 Hours

The Internet and online business especially are becoming more and more popular by the day in todays world simply because people are starting to see the true benefits of the web, consumers are starting to trust the web more, and more importantly, the start up costs for a online business are next to nothing compared to the offline world of business start ups.

The only set back most people run into when wanting to start one of their own online business is How and Where to get started.

I did a search under the keyword term "home based business" and the search results returned 575,000,000 results for that keyword alone.

That's a pretty intimidating number for someone wanting to start their own home based business on the web wouldn't you say?

These were the same obstacles I was up against when I first ventured into the online world of business.

But I didn't let that stop me and I hope that won't stop you either from wanting to start your own online business.

So, I saved you the hassle and put together 3 of the quickest ways for ANYONE(that's You) to start their own online business with next to no investment required and can get started in less than 24 hours.

Are you ready? I hope so.


Business Model #1. Affiliate Programs.

Affiliate Programs are simply programs set up by the business owner for others to sign up for and promote for the business owner for a agreed upon commission(usually between 10 - 75%).

The great thing about Affiliate marketing is it doesn't cost you a single penny to get started, you don't have to worry about refunds or customer service that come with owning your own product.

All you have to worry about is generating the traffic to your affiliate link and collecting your commission cheques.

This is the quickest way to get started online... Period!

Here's a few Affiliate Directories to give you a start:

Associate Programs - http://www.associateprograms.com

Refer It - http://www.refer-it.com


Business Model #2. Resell Rights.

Resell Rights are simply products that have already been created and are available to anybody who is willing to pay for the Resell Rights to market them.

The upside to this is you get Ready-To-Go websites with PROVEN sales letters that convert. The best part of all is... you get to keep 100% of the $Profits$.

The draw back is you can't claim those products as your own. The original creator of the product maintains full rights. You just get to keep all the profits.

Not such a bad trade off wouldn't you say?


Business Model #3. Private Label Resell Rights.

Private Label Resell Rights are simply products that are ready to be branded with your name to it.

What I mean by that is you get full rights to the product or products and are able to claim them as your own even though you didn't create them yourself.

This is the fastest way for anyone to start a online business who really doesn't have any experience or knowledge on how to create their own products.

The other really cool thing about Private Label Resell Rights products is they come with Ready-To-Go websites which then again saves you time and money in having to create them yourself.


Well there you have it, 3 Quick Ways To Start Your Own Online Business In Less Than 24 Hours.

The easiest way to locate any of the above via the search engines is by entering something like this into there search engine web form:

affiliate programs + "what your niche is"

(Note: make sure you use the quotations around what niche you want to target. Very Important!)


This will save you time and target your search much better, where as if you were to just enter 'affiliate programs' into the search engine web form you would get a gazillion results, leaving you frustrated.

Now, the only thing left for you to do Right NOW is make a decision on what you would really enjoy doing as a business online.

Once you've figured that out the only thing left for you to do is put together a... Plan For $Profit$.

Online Business Opportunities

Affiliate Marketing Program

Adventures with Hypnosis

In 1949, I had a real problem with a dental phobia. Four dentists had turned me down as a patient. I had two abscessed teeth and a mouthful of other cavities. My dental phobia was so bad that it had forced me to go to a hospital some years earlier in order to have three abscessed teeth removed while I was unconscious.

I went to a dental convention where I found the recommended dentist who did hypnosis. He couldn't work on my teeth, but he said he thought he could help me. So, at the lunch break, I went to his room with several other dentists, and he hypnotized me with a “standard” induction technique. Then, he taught me a psychological trick of relaxation. If I raised my left hand whenever I felt my right hand becoming a fist, indicating tension, the dentist would stop, and I would relax my right hand, and lower my left hand.) I didn't believe it would work, but I made an appointment with the last dentist who had turned me down and had recommended hypnosis.

For the first few minutes, I kept raising my left hand, and he stopped immediately. After that, I didn't need to raise my left hand much at all, and he worked fast.

He pulled the two bad teeth, and drilled and filled a dozen more in one single hour and half session. I had Novocain for the bad ones, and didn't need it for the others. Both the dentist and I were amazed at this, and he asked if I were really twins

To me, a 22-year-old engineering student, this was a genuine “miracle”, and I started to learn all I could about this miracle cure. I read everything I could find, from the 1700's literature about Mesmer, Coue, etc, up to Erickson, Barber, etc.

I became an electronic engineer, and pursued this as my major career, but my avocation continued to be hypnosis, and by extension, psychology. (Much of behavior psychology is similar to hypnosis). I used it professionally, taught it in a major university to doctors, and continued to learn about it. I performed some “shows”, and considered a career as a stage hypnotist, but was more interested in using it for helping people, as it had helped me.

In 1979, I left electronic engineering, and turned to psychology. I went back and obtained a Doctorate in Psychology based on my education, life experience, and my doctoral dissertation. I became a successful Behaviorist Psychologist for years in private practice in Florida. I gradually converted to an Orthomolecular practice when I found that these types of therapies worked better than any “talk therapy”, although talk therapy is sometimes useful as well.

Hypnotic Relaxation

During this many years of study, and later career as a psychologist, I realized that what that original dentist who hypnotized me had actually done. With hypnosis, he had simply given me a “new” conscious tool of relaxation. Using this simple tool, I could actually change something in my unconscious called a “phobia”. It wasn't really a miracle, though I had thought so at the time. Adding this knowledge to my knowledge of Pavlovian “conditioning responses”, I came up with what I called the Bate Relaxation Technique.

This is very simple, yet it can be very powerful - much more powerful than most realize because of its simplicity. It starts with a general hypnotic induction technique of relaxing the body muscles, starting with the toes and going up to the scalp and face. Then, in a state of muscle relaxation, ask the subject to visualize a very beautiful relaxing scene he/she is in. Describe the scene. Ask them to concentrate on how beautiful and very relaxing it is.

Then, ask the subject to memorize the feelings of relaxation and concentration they are feeling at that time. Have them put these feelings into their memory like a photograph. Then, give them a post-hypnotic suggestion that they can now recall those feeling any time they simply count to three. End the session, and have the subject stand up, take a deep breath and simply count to three.

It's simply amazing how the shoulders often slump 2-3 inches or some other muscles that the subject usually tenses from stress relax. I describe the “strange” feeling as sort of a “blah” feeling. (As subjects stand up from the session, their “normal” pattern of muscle stress takes effect, and the “instant” relaxation is definitely experienced.)

I then tell the subject that they now have the pattern, but it up to them to use it often, several times a day, even if not needed, for the next week or so. This will set this pattern into their unconscious as a “conditioned response”. (Remember Pavlov's dog?) Now, they have the same tool I got from the original dentist, but it is much more enhanced and valuable. It instantly relieves stress of any kind.

Driving a car a long distance is very stressful. My wife and I recently drove over 20 hours straight thru, with me driving about 14 of those hours. At 78 years old, that's not “usual”. The secret - we both simply count to three every so often and are able to relax behind the wheel. Muscle tension is very tiring, and few are able to relax this muscle tension behind the wheel.

This relaxation technique is very useful in many ways in helping to solve psychological problems of phobias, compulsions, and even some serious physical problems. I was able to solve dozens of Asthma problems in all persons between 7 and 15 years old, and was often successful with older persons as well. (Kids in this age range are very suggestible; some adults are too cynical.)

The system is simple, but effective. First, teach the relaxation. Then, have the patient emulate a really bad asthma attack. “Come on, get really bad, your throat is closing more and more.” It's getting worse and worse.” When the patient really starts to become in distress, say, “Now, count to three”. As he gets to three, he relaxes, and says, “Now, it's gone, and you are in control”.
Many years ago, I did this routine on the 14-year-old son of lifelong friends. When I was visiting them a few years ago, I walked into the store of the son, and he recognized me immediately. I was surprised as it had been over 20 years since he had seen me. He said, “Do you think I could ever forget the man who cured my Asthma?”
It was another great day for my ego.

There's nothing magical or even mysterious about it. All you are doing is teaching a new “trick” to the unconscious mind. This “trick” of instant relaxation is learned as a conditioned response by repetition and use. It becomes a tool for the conscious mind to use in all types of situations to reduce stress. As everybody knows, stress ages us, diminishes the immune system, and helps to kill us.

The various forms of yoga and other meditation techniques are similar, yet different. They relieve stress of course, but are of little use in immediate stressful situations. This relaxation is immediate.

This also can be used for self-hypnosis, positive statements and visualizations.

I also used it for patients that wanted to stop smoking as a “substitute” for that instant craving that comes to an addicted smoker.

One idea makes a lot of people “afraid” of hypnosis. The idea that another person has “control” over them, and can make them do literally anything. Every experiment ever conducted has shown that this is simply not true. Hypnosis cannot force a person to do anything that is against his/her moral code. The unconscious mind is very protective, and is what we are working with either with hypnosis or subliminal training.

There is some possibility of “indirect” misuse of hypnosis. I once witnessed a hypnotist demonstrating this. He had a very attractive woman who was very hypnotizable (instantly into somnambulism by snapping his fingers). He hypnotized her, and told her to take off her clothes. She awoke instantly and was embarrassed, but had no conscious memory of why.


He then hypnotized her again, and this time, told her that she was at home in her bathroom with the door closed, and she was going to take a bath. She calmly started to take off her clothes. He stopped her before she got too far, but she was obviously going to completely strip.

It was interesting how he stopped her. He told her that someone had come into her home, and was near the bathroom door. She said, “Don't come in. I'm not dressed”.

He then had her get dressed, and woke her. She had no memory of the incident.

When I was a young man, I had a girlfriend who I had sex with once or twice. And she had been hypnotized several times as well. One night I wanted sex, but she didn't. I used the cue that hypnotized her, but to no avail. She refused, even hypnotized. So, the idea that someone can make you do something you do not want to do is false. I can testify to that personally. Our unconscious mind is very protective of us in all ways, even though some ways may be wrong.

Of course, if you work with either hypnosis or subliminal training, or virtually any type of serious psychology you have to be aware of the unconscious mind, as that entity is always what you are trying to influence.

Hypnotic Age Regression

This is a very useful tool for a psychologist, or, for that matter, any doctor of any stripe. Under even “light” hypnosis, it can be used to “pull” details from the life of the patient that he/she has forgotten consciously. (The unconscious memory has everything in it.)

There are several “tricks of the trade” involved. After my Relaxation Technique, I used a “deepening” technique that went something like this, “Now, I want you to imagine and visualize yourself going down an escalator as I count to ten. One, imagine yourself stepping on and feeling the steps form under your feet. Two, as you move down, relax even more. Three, as you go down further, concentrate more and more. Four, and as you relax more, you can concentrate more. Five, this positive circle of concentration and relaxation continues as you move down.”

Continue with similar repetitions thru nine, and then, “Ten, step off the escalator into a room. This room is yours alone. It is only in your mind, and no one else can ever get into it. You can make it anything you want. In this room, you can do anything or visualize anything that will help you to be a better person. In this room you can remember anything you want.”

Next, I would start the questioning. For example, a man came to me to try to find a lost valuable diamond engagement ring. He and his fiancé had broken up, and she had returned the ring to him. He remembered taking the ring, but when he got home, he couldn't find it at all. I did the above technique, and then started.

I said. “I want to you to go back in time to the moment when she handed you the ring. Where were you and she at that time?”

He replied, “We were in her living room.”

“Alright, see yourself taking the ring. What did you do with it?”

He said, “I'm putting it into my small watch pocket of my jeans.”

“OK, now you are leaving her. What happened next?”

“I'm getting into my car, and driving home”

“Good, what happens next?”

“I'm going into my bedroom, and changing clothes.”

“Why?”

“I have to go to a baseball presentation dinner.”

“OK, what did you do with your jeans?”

“Oh NO! I had put them in the washer!”

That was the story. He went home and found the ring stuck in the washer. (The usual story of such is that it gets caught in the “U” drain under a sink.) This illustrates the value of “age regression” as a memory aid.

Of course, it's also useful to uncover the beginnings of phobias and compulsions. A woman came to me with a cat phobia and asthma. I did the usual as above, and with a couple of other useful techniques found the problem. One “trick” is to say, “OK, now you are going back in time. It is your 15th birthday. You are awake in that morning. Do you have asthma?”

She replied, “yes.” (She had earlier said on intake questioning that her asthma had started very early. I start well past that so as to get the patient used to going back.)

“Ok, now you are ten years old, just waking up on your birthday. Do you have asthma now?” Same answer.
“OK, you are now five years old, on your birthday. Do you have asthma now?” Same answer

I worked back thru 4 and 3 and 2, 1, and started back in months. I got to the ninth month, and she didn't have asthma. Still she had no memory of anything that was related. So, I went to her tenth month, and went backwards, day to day with the same question. I got to the day when she did have asthma. Now I asked her, “What happened to you during the last day that caused you to have asthma? I am going to count to three, and when I get to three, you will remember everything. One, you're starting to remember. Two, memory is coming back. Three, you now remember everything.”

She then related, “I was lying on my back in a crib, and the cat jumped into the crib, and lay across my mouth. I couldn't breathe, or call out, and I was scared. I don't know what happened, but I think I hit the cat, and she went off me.”

It was two birds with one stone. Cat phobia, and asthma caused at that point. Asthma is often a “protective” device used to keep oxygen in the body. Most can easily breath in but have real problems breathing out. This was her case.

Then, we get to the really interesting part. Age regression to past lives. As an agnostic, I don't really know if the many stories I have heard from many persons are true, or something from the universal mind or what?

Probably the single most impressive story is from the man who came to me with two lifelong phobias that he had had since earliest memory. He was deathly afraid of fire and water. He thought that these phobias might be from past lives, and asked me to try to find out.

He was easily hypnotizable, and with little urging went back thru birth to the previous life. He had been a circus clown, and been burned to death in a circus fire. It was then simple to go back to a previous life to that. It seems that he had stolen a horse, and was caught. The vigilantes didn't have a tree, so they hanged him from a bridge. The rope broke, and he drowned. Of course, it took much more time to go thru, and some suggestions from me. He was cured according to a phone call a week later.

I've had several such interesting cases. Another was fascinating to me. Under hypnosis, a man kept saying, “All I can see is a bird”. I kept after him about this bird for 10 or more minutes, but he couldn't see much more than this bird. Finally, he said, “It's a black bird, and it's on my shield”.

I pressed him harder about his shield, and did he have a sword and a horse. He suddenly screamed, “There's blood all around me, and all over me and my horse. I'm killing people all around with my sword, and they're trying to kill me! ”

I questioned him closely, and it became evident that the date was 1066 at the battle of Hastings as the Normans conquered England.

Is the story true? I cannot say with any certainty, but it was impressive.

When I gave seminars and talks on hypnosis, I usually finished with doing my Relaxation Technique, and my deepening. Then, I would say, “In your room, sitting comfortably, I want you to let your mind go out of your body. Let it go out into space, and as you see earth behind you as that familiar blue and white marble, see space as almost velvety, with stars and planets being very clear and steady. It's really beautiful out here in space. Now, you are coming to a white cloud that is getting bigger and bigger, and you are now entering it. On the other side, there is another blue marble world. As you approach, it looks like Earth, but as you get really close, you see no huge cities, but beautiful parks and lovely buildings that seem to be a part of the landscape. As you come to it, and walk about, you notice that the people are all friendly, and the animals are all friendly, and the gardens and parks all around are simply the loveliest you have ever seen. You are filled with the same sort of happiness that it seems everybody there has. You are at peace with yourself and that place.”

“Now, it's time to leave, and we are going back into space again. Ahead of us is that same white cloud, and this time, as we enter it, we make a left turn, and we are now going back in time. The year is 1700 on Earth, and as we come back to Earth in that time, we are going to each go into a body in that time and place. I want you to look at your feet, and your clothes, and your surroundings, and have a sense of who you are in that body. Now, it's time to return. We are leaving this time and place, and going back thru that white cloud, and back to that blue marble of earth, and back to that comfortable seat, and into your own body again. As I count to three backwards, you are gong to awaken, not drowsy or sleepy or affected by my voice at all, and you will remember everything you experienced.”

Then, I count, “Three, two, one, awake fully awake. Now, how many persons really experienced that beautiful planet?”

About a third or more really did visualize it clearly. (A few were somewhat angry with me for not leaving them longer!) Then I asked, “Now, how many persons experienced themselves in 1700?” Surprisingly, about one third had very good and clear visualizations. One woman was indignant “I had bare feet, and scratched legs, and I was a serving woman”. She had a very high opinion of herself in this life obviously. Needless to say, these stories were very interesting, and varied. One woman impressed me with, “I was in a dark place waiting to be born.”

Of course, such stories do not prove anything. They could be products of imagination, or simply scraps of something from the unconscious or universal mind. However, or whatever they are, taken in bulk from honest persons with no known vested interest, they do prove something beyond our conscious knowledge.

An “Impossible” Story

Here's a true story that is unbelievable to many people. In reading about hypnosis, I came across an article where a professional hypnotist had claimed that he had been able to increase a woman's breast size using hypnosis. I dismissed that claim until in 1978; I read an article by Dr Ted X. Barber in the Journal of Clinical Hypnosis about hypnotic phenomena. This article discussed many different hypnotic phenomena, including several experiments at several different colleges that had all done a similar experiment. As I recall (at this much later date), each college used 8-12 women, all of whom were somewhat flat chested, and all wanted larger breasts.

All were carefully measured, above and below the actual breasts, and across them at the nipples. Once a week for 12 weeks, they were hypnotized as a group, and told to visualize things like, “See yourself in a mirror naked with larger breasts. Admire your larger breasts. See how good they look, and how good you feel with them. Now, see yourself dressed in a very becoming dress, and how well it looks on you with your new breasts. It increases your self-confidence as well. “

These comments were repeated several times. As I recall, the average for all of the various experiments was that 80% actually increased their breast size, and the average increase was 2.1 inches.

Let's take another deeper look at this. The average success rate for losing weight by hypnosis is considered to be less than 65%. In other less reported breast size experiments, DECREASING breast size in women with overly large breasts, the success rate was negligible.

In addition, this suggestion is specific - add body cells to a certain part of the body only! We have no knowledge if actual mammary cells were added, or only fat cells, but still!!!

I've won two bets from other psychologists that this story was published in a reputable scientific journal. I made a hypnosis tape specifically for “breast enlargement”, and heard for a few of the women who purchased it that it did indeed work for them. Unfortunately, few people report either success or failure.

Why doesn't hypnosis work better on the “lesser task” of losing weight, or losing breast weight? The explanation is difficult, but in my experience the social “advantage” to women of large breasts inhibits the unconscious from losing this “advantage”. Some women are “punishing” their selves (or their husbands) by being fat. (Sort of “love me for me, not for my body”). Motives of the unconscious mind are often murky and difficult for our conscious minds to understand. The computer analogy of “garbage in - garbage out” applies here.

Harmful Unconscious Ideas

The unconscious mind can be a force for good or bad. It apparently doesn't discriminate - again like a computer. If a virus gets in, it can distort many other programs in different ways.

Let's examine a very illustrative case. A woman brought in her 8 year old boy for hypnosis for bedwetting. I did the usual direct suggestion, and told her to keep him off all milk products for at least a week.

Two days later, she and her son were back. No success. This time, I did age regression hypnosis. He went back (with a little urging) to when he was 4. He was in bed almost asleep when he heard someone trying to get in his window. He was so scared that he wet himself, and cried out. The burglar (real or imagined) left. The unconscious “logic” to this boy - urination protects from intruders in night. It wasn't difficult to remove this logic (computer virus), and his mother said that he hadn't wet again a few months later.

The great master of hypnotic therapy, Milton Erickson, once had an almost comic situation that he solved in a unique way. It seems that a recently married couple came to him because each was a bed wetter. On their honeymoon, the bed was wet each morning, and each thought the other was very thoughtful in not mentioning it. After a few days, they each confessed and came to Erickson.

He made them agree to do exactly what he said, and then told them to kneel on the bed when they were ready for sleep and each had to urinate, and then sleep in it. They came back several days later, and they had kept their word. He then told them, “Since you did as I told you, tonight you can go to bed normally without the urination, and come back tomorrow”. The next day, they said the bed was dry in the morning, so he “allowed” them another dry night. Then another, and then he declared them “cured”.

These two stories illustrate the immense power of the unconscious for both good and bad. One of the major jobs of the unconscious mind is to “protect” the physical body (home of the unconscious mind) from harm. If a threat is perceived whether real or imaginary, it goes into action, even if the action may be harmful to itself.


Phil Bate PhD - Retired Orthomolecular Psychologist
Inventor and Patent Pending Holder for
Brain Wave Amplitude Changing via Auditory Training
hypnosis
quit smoking with hypnosis

Debt relief 101: Understanding your options and avoiding the scams

The total consumer debt in the United States has ballooned to over two trillion dollars a full 100% greater than it was just a decade ago. As a result more people than are in need of debt relief services. But like with all burgeoning industries, there are a number of scams and ineffectiveness in many debt relief services. As a result, it is important that consumers considering debt relief know their options.

Debt Consolidation

The most well-known form of debt relief is debt consolidation. The principle behind debt consolidation is that by combining the many small debts, many of which are very high interest such as credit cards, under a single lower interest loan, you can get control of your debt. Under the single lower interest loan, the overall cost of servicing the debt, that is your total monthly payment, is lower than the combined total of the many smaller debts. That at least is the theory behind all debt consolidation programs.

Many programs go further, however, by limiting your discretionary spending. The theory goes, that because you have accumulated so much debt through your own uncontrolled spending, the debt consolidation lender will in effect act as your accountant too. The limitations placed on you by debt relief programs range from prohibiting major purchases like as a new car or home, all the way to those organizations which take your paycheck before you get it, and then dole out to you the remainder. While the latter version sounds intrusive, and certainly it is, it may prove for some individuals the best option as it will force a rationing of discretionary spending. But one thing you can count on with almost every debt consolidation program is the requirement that you cut up all of your credit cards. As credit is the number one contributor to consumer debt today, that isn’t all that bad of an idea.

Creditor Negotiations

But debt consolidation isn’t the only option available to those in debt crisis. Another option is to hire a creditor negotiator. These services, usually under the name debt management or debt managers, mediate negotiations between you and your creditors in the hope of lowering your total debt. In effect, these individuals bargain with your creditors, threatening them with the possibility of you seeking bankruptcy (in which case they get almost nothing) to try to get them to lower the interest rate, or the principle of your debt. This can be a very effective method for those unable or hesitant to secure a new larger debt through a debt consolidation loan.

The problem with both of these options is that they do not come for free. While many organizations present themselves as non-profit or even public servants, the reality is that almost every agency is in business because of the profits they can make off of you. For example, many individuals in need of debt consolidation are so thankful to find a willing lender that promises to lower their monthly payment, that they fail to examine closely the loan contract they are offered.

The Negatives and Scams of Debt Relief Programs

A common scam is to hide huge “service fees” or “debt consolidation fees” in the principle of the loan. So, if for example you have $50,000 in outstanding debt, your debt consolidation lender may provide you with a loan as high as $80,000, where the extra $30,000 is comprised almost entirely of fees. The lender then extends the loan out for years and years, so that your monthly payment is actually lower and as a result you do not ask any questions. Another, even more devious scam is to vary the interest rate over the life of the debt consolidation loan. For example, the lender might offer you a loan in which for the first two years the interest rate is an extremely low percentage, say 4%. But very quickly, the interest rate balloons to something like 15% at which point you will no longer be able to make payments and must go back to the lender and “consolidate your debt” once again.

But debt consolidation lenders are not the only one’s trying to scam you. Creditor negotiators seem to offer a problem-free solution to your debt troubles. They offer to negotiate with your creditors, making the process seem infinitely more complex than it actually is. In truth, many individuals can simply negotiate with creditors themselves. The threat of bankruptcy is very real for many lenders, and as a result many are willing to offer you alternatives to the current high interest rates they are charging you. By cutting out the middle man credit negotiator, you can save much by way of charges, for the rather minimal hassle of calling the creditors yourself.

Both debt consolidation and debt management services fill important niches in a world where consumer debt is increasingly prevalent. It is important to remember, however, that these companies make money off of you. And because the industry is in a stage of rapid growth there are a great number of companies working on the edges of the law if not engaging in outright predatory lending. By entering the world of debt relief you are entering the world of scam artists and sub-prime lenders. Educating yourself before you enter the arena is the only way to ensure that you attain the best debt relief for you.


Kristy Sinsara

Kristy Sinsara

Quality Online Roofing Resources

I recently had the need to come up with relatively useful definitions of some roofing terms and also some guides and opinions regarding roofing methods. I stumbled upon some useful online resources that provide the things that I need and also may also be helpful to other users out there.

Here is a list and some descriptions of some of the sites I have found:

1. Garlandco.com – It is a roofing company that has been in business since 1895. What generally caught my attention was their PowerPoint presentation that provides an overview of the most common types of roofing systems that are available in the commercial market place today. Other information include in the presentation are brief description, history and application of each system and lastly, the advantages and disadvantages of each roofing system.

2. Roofing.com – It is a forum all about roofing. Its main feature is a forum area where there are active members. All posts are related to roofing and most members are highly knowledgeable when it comes to roofing both in theory and in practice.

It also has a Knowledge base area wherein forum members can give inputs like answers to frequently asked questions and some roofing guides. Within this area, you can find the definitions to most roofing terms.

The site also has a section wherein you can view the number of roofing jobs available per state. It also has a directory of roofing companies categorized by state.

All in all, the site is quite user-friendly and highly informative. Most of my friends also think that it is one good online resource site if the subject is roofing.

3. Roofersreview.com – Is a highly informative site dedicated to roofing. Here you can find local roofers through browsing photos of their works. Also, this site has been suggested to me by members of Roofing.com. They say the pictures they upload to this site help them get quick answers from other users of the forum.

I would include the other sites that I find useful in another article which I may finish by next week. Until then, I hope you get the maximum benefit that you can from the following sites.





Dallas Roofing

Fort Worth Roofing