วันจันทร์ที่ 31 มีนาคม พ.ศ. 2551

3 Most Expensive Home Refinance Mistakes

Author : L. Sampson
Refinancing your home can give you extra cash to make home improvements, pay bills, etc. A home refinance can also give you a lower interest rate or get you out of trouble if you have fallen behind on your payments. However, getting a home refinance loan is serious business, and should not be taken lightly. Below is a list of the three most common, and most expensive, home refinance mistakes. Do everything you can to avoid making these errors.Mistake One: High Rate RefinancingYou should carefully consider the interest rate when refinancing. If your new interest rate is no lower than the current rate that you pay, refinancing may not be a good idea. Unless it is absolutely unavoidable, you should not refinance your home at a high interest rate.Mistake Two: Borrowing Too MuchBorrowing too much money is a common home refinance mistake. No matter how much money you borrow, you will have to pay it back. Consider this carefully before you decide to refinance your home. Remember, if you get a large loan and cannot make the large payments, you could be putting your home at risk.Mistake Three: Forgetting About Closing CostsWhen you refinance your home, you will have to pay closing costs. The amount that you pay will depend upon your financial lender, but expect to pay hundreds or even thousands of dollars upon closing. If you are unwilling to do this, or if you are unable to come up with the money, you may want to forget about refinancing and get a home equity loan instead. Home equity loans do not have closing costs.Go to http://www.refinancesmarts.com for more Home Mortgage Refinancing Tips.
Category : Finance:Mortgage-Refinance

Free Online Advertising: 10 Dynamic Secrets To Make Your Ad Stand Out And Ignite Sales

Author : I-key Benney
No matter what you’re marketing or promoting, if your
Ad doesn’t stand out, no one will notice
and read it.If it stands out, it will get attention and you’ll
generate sales.What are the tricks to make an Ad stand out?Let me reveal some of these free online advertising secrets
to you:1. Place colorful graphs, pie charts and other charts
in your ad copy. Use charts that will grab a persons
eye and also support your product claims.2. Highlight buying incentives like free bonuses and
money back guarantees. You could place them in
boxes or in front of a different colored background.3. Use short sentences or sentence fragments in the
body of your ad copy. A short burst of words can
catch a skimmers eye with one quick glance.4. Highlight all the important keywords and phrases
in your ad copy. You could use bolding, underlining
and color to highlight the important words.5. Place attention grabbing pictures above and within
your ad copy. A powerful technique is to use before
and after pictures of people using your product.6. Use a headline that catches the attention of your
target audience. One of the most effective ways is
to use a free offer as your headline.7. Make your ad's keywords and phrases standout
by enlarging the text. This technique works wonders
with headlines and sub headlines.8. Make your products list of benefits and features
stand out by using a symbol in front of each of them.
The symbol could be a dash, solid circle, star, etc.9. Use sub headlines to break up your ad copy and
to capture a skimmers eye. You could make them
even more powerful by highlighting them with color.10. Use attention grabbing adjectives to describe
your product. For example sizzling, incredible, high
power, ultramodern, killer, eye popping, etc.May these free online advertising secrets help you
to make a lot of money.Warmly,I-key Benney, CEOI-key, a Millionaire CEO from New York City is the creator of "Mscsrrr: Millionaire Secret Cash System",(Day trading) which has helped thousands of ordinary people from all over the world to attain financial security and shining success during the past 2 yrs.Mscsrrr Millionaire Cash System helps you to generate $1,500+/Week for life, from home or office, part time or full time. No large investment or hassles. Win $1000-$2000 free “cash”.
Category : Gambling & Casinos

วันเสาร์ที่ 29 มีนาคม พ.ศ. 2551

New Company To Offers Services to Wholesalers, Chains, and Low Price Cigarette Manufactureers

Author :

Two veterans of the tobacco industry have partnered to form a brokerage firm for discount cigarettes and related products. The company, Discount Tobacco Services (DTS), will act as a go-between for manufacturers, wholesalers and chains.DTS is headquarted in Pittsburgh, Pennsylvania and will be servicing wholesalers, manufacturers and chains in the northeastern and southeastern United States. Manufacturers often cant, or chose not to, hire a full-time sales force. At the same time, chains and wholesalers would like to have a contact for their 4th tier product. We are addressing both of these needs by representing the manufacturer and serving as a contact for the chains and wholesalers, said Ed Murry, partner.Murry and partner Jeff Doehring have a combined 30 years experience in the tobacco industry, with both Philip Morris USA and Liggett Vector Brands, with proficiency at wholesale and chain sales and service. Through needs analysis and general conversations with manufacturers, wholesalers and chains, DTS will help to find the best possible match and then work as facilitators to ensure smooth and long term relationships. DTS will also serve as troubleshooters for manufacturers, wholesalers and chains.For more information on DTS, view the website at &lt;a href=&quot;http://www.DTServices.net" title=&quot;test&quot; target=&quot;_blank&quot;&gt;www.DTServices.net</a>. You may contact Ed Murry at 724-518-4883 or e-mail protected from spam bots, or Jeff Doehring at 412-657-1772 or e-mail protected from spam bots.

Category : Press Releases

วันศุกร์ที่ 28 มีนาคม พ.ศ. 2551

FBI Never Sleeps

Author : Betty Jo Sheley

The FBI indicates 3.7% rise in violent crimes throughout the USA during the first six months of 2006 in their 'Preliminary Semiannual Uniform Crime Report' (www.fbi.gov/publications.htm). This data, categorized by city's of 100,000 and over in population, can be a valuable tool to law enforcement agency partners in their prevention of violent crime, murder, forcible rape, robbery, aggravated assault, property crime, burglary, larceny, motor vehicle theft and arson. The FBI's investigations delve into every aspect of citizen health care including, but not limited to, false billings, psychiatric and acute care, supply company products, durable medical equipment, pharmacies and laboratories, internet and black market drug sales, etc. Health Care Fraud can potentially cause unnecessary illness or death as a result of fake prescriptions/tests and create substantial losses to Medicare, Medicaid and health care insurers. The FBI's 'Financial Crimes Section,' in partnership with 200+ Governmental Agencies, Task Forces, private industries and the SEC, investigates 24/7 to uncover falsification of Corporate asset information, money laundering, deceptive accounting entries, bogus hedge and inside trades, self-dealing tax violations, etc. From October 2001 through 2006 the Corporate Fraud Task force has pursued and "obtained 2,962 indictments/information's, 2,569 convictions and restitution totaling over $14.9 billion related to Corporate and Securities Fraud." Even while we sleep, FBI Agents and task forces within departments too numerous to name here are working to fulfill their commitment to solve and resolve crimes which impact the lives of USA citizens and the financial well being of the nation. Law enforcement agencies attributing to this thorough 'Preliminary Semiannual Uniform Crime Report' issued by Robert S. Mueller III, Director, Federal Bureau of Investigation, are listed below:Advisory: Criminal Justice Information Systems Committee, International Association of Chiefs of Police; Criminal Justice Information Services Committee, National Sheriffs' Association; Criminal Justice Information Services Advisory Policy Board Betty Jo Sheley, http://www.showlinehomesecurity.com Owner Security Products website for Home and Personal Protection. Author participated in Mayoral Conflict Resolution Institute, Community Think Tank Studies. Advise Author of article reprint including my link.

Category : General Government: Law Enforcement

Obtaining Self-Confidence

Author : Shamus Brown
A reader recently asked me the following:
"I enjoyed the information you provided on your website, however you never mentioned how important Self-Confidence is in a sale. I have been told that I am an excellent sales person, however I lack the self-confidence to close the sale. Self Confidence is not easy to 'obtain' therefore for those us with this problem, we can never be successful in sales."
Self-confidence is a very important in sales. It seems to be one of those areas that people believe "you just have it, or you don't." Many people think that you are either a natural, are born talented, or you are incapable. My belief is that whatever one person can do, another person can do (what a person WILL do is another issue). I also believe that what humans have yet to accomplish, can be realized through ingenuity and persistence.
I want to discuss how one comes into a state of self- confidence. To do this, I am going to focus in on a couple of important pieces of what DG said. I think it would be useful before I do that though to define what self- confidence is. Obviously it is a feeling. A feeling of being able to do something. A feeling that one can accomplish what one sets out to do.
Reading my dictionary, I noted the following two definitions of self-confidence:

The state of being certain,
Trust or faith in one's abilities.
So when DG says "I lack the self-confidence to close the sale", what is she really saying? She is really saying that she is not certain, or that she lacks trust or faith.
Certainty in my experience is a state of being that comes about when one knows exactly what it going to happen. One can get to this state by one of two ways. The way most of us are familiar with is by doing something enough times until we know exactly what results we will get when we take certain actions. For some people in some situations, this can produce a lot of fear. The fear stops one from taking action.
The solution to the fear is in DG's statement that "self- confidence is not easy to 'obtain'". DG is correct, self- confidence cannot be obtained. One has to have trust or faith that one is capable. This is the short answer on how to get self-confidence.
The more detailed answer goes back to self-confidence being about a state of certainty. The way to create a state of certainty without first doing what one is unsure of is to create the results in advance.
Now that may sound kind of weird. How do you create results in advance? Easy. You do it in your mind using your imagination. Essentially, what you want to do is envision your desired goal or outcome, and then detail out a specific plan of exactly how you will get there.
You want a plan so specific that you answer "yes" to this question:
"If I take all these actions, will I get my outcome?"
Keep making your plan more specific until you can answer this question. When you can, you will suddenly realize that you have certainty that you will accomplish your goal. And when you have certainty about the future or your abilities, you can have trust and faith in the results.
Many people are loath to plan out their future. Others do so, but only part-way. One of the most limiting beliefs one can have is that detailed planning is only for anally retentive people. Go all the way and plan in detail until you can answer the simple but important question above.
To speed up the planning, copy someone who is already successful. You can find some of this information in books. You can interview and follow around the most successful sales rep that you can find. You can get a mentor, buy tapes, take classes. The information is out there. Because if someone has done it, then so can anyone else.
Once you find the right people to copy, find out what they believe about themselves and their success. Adopt their beliefs or pretend that you believe the same thing. Do this until you become the success that you want to be. Pretend for long enough, and you'll also discover that you are no longer pretending - you actually believe the same things that successful people do because you are one of them.
© 1999-2004 Shamus Brown, All Rights Reserved.Shamus Brown is a Professional Sales Coach and former high-tech sales pro who began his career selling for IBM. Shamus has written more than 50 articles on selling and is the creator of the popular Persuasive Selling Skills CD Audio Program. You can read more of Shamus Brown's sales tips at http://Sales-Tips.industrialEGO.com/ and you can learn more about his persuasive sales skills training at http://www.Persuasive-Sales-Skills.com/
Category : Public Relations

วันพฤหัสบดีที่ 27 มีนาคม พ.ศ. 2551

Hobby Metal Craft Skills; What Exactly Are They?

Author : Colin Croucher
Have you ever watched a metal craftsman in action such as a
Blacksmith at a country fair... most people watch in awe as the
Blacksmith carefully heats a piece of iron in a charcoal forge
before placing it on the anvil and then proceed to hammer it into all kinds of unique shapes, it all looks pretty simple doesn't it...and the Blacksmith would probably tell you that it's not that difficult to hammer & shape things from red hot metal simply because it is quite fluid.He's right you know, generally all it takes to work with metal is
a small amount of knowledge & instruction, and some solid
practice, and before too long even a novice will be producing
good quality metal craft items.But there is a lot more to metal craft than just blacksmith work.While you can't deny that blacksmithing is a lot of fun, and a
skilful worker can make many practical and ornamental items.
With a little practice you could also produce beautiful iron
work, simply by using basic skills & equipment.In the early days the blacksmith was one of the most sought
after "skilled" workers in the village.But you know, you can take the art of blacksmithing another
step. You could use the forge to melt metals.What if you created a small charcoal fired furnace using your
existing forge, it wouldn't take much work to build up a simple
circle of bricks on the forge hearth to form a deep bed of charcoal so that you could produce a bed of red-hot glowing coals which will produce a large amount of heat.
Enough to heat and melt aluminium... maybe even bronze.Of course a crucible is required to place the scrap metal or ingots in for melting purposes,and the crucible needs to be buried in the bed of coals so the heat of the charcoal will do its work for you.All you need to do now is to apply a gentle blast of air from the
forge bellows to begin building the heat in the charcoal, and the
crucible with the scrap aluminium, or home made ingots will quickly melt in the crucible.Most hobby workers use a small electric motor attached to a blower to produce the correct amount of air blast, but for the moment, the manual operation of the forge bellows will suffice.High quality hardwood grade charcoal will produce a high amount of heat, in fact you'll notice with the added heat the alloy ingots will soon start to melt, and once that happens the pool of metal in the bottom of the crucible rapidly promotes the total melt.Once the metal has all melted, it is ready to pour into a sand mould. The idea is to prepare your sand moulds well before the metal has melted, so that everything is set up and ready to go.
Once the methods & techniques are learnt, the whole process is quite easy and straight forward.Any practical minded person could do it.We have many people visit our web site: www.myhomefoundry.com

looking for information about metal casting... lots of people around the globe are involved in metal casting, it can become quite addictive which is not surprising, when you realize all of the things that you can make.For the home engineer, inventor & project builder, hobby metal casting could be just the thing, if you want to create your own special castings at almost zero cost, i.e. once your mini foundry is established.If you take your time to build all of your equipment properly, it should last you for many years.To find out more about hobby metal casting and how you can employ
the methods & techniques to build & create your unique projects,
visit our web site to download a free ebook to begin your understanding of this intriguing metal craft.Col Croucher

ezineArticles expert Author.
Helpfull, practical, down to earth information
for the novice & advanced metal caster.
Category : Domains

วันพุธที่ 26 มีนาคม พ.ศ. 2551

Echinacea And The Common Cold

Author : Rebecca Prescott

Every year, as the winter months approach, we go out and spend million on various concoctions to ward off the dreaded common cold. In recent years, the most popular of these has been Echinacea, a natural substance that we are told will reduce the likelihood of us catching our cold, and will relieve our symptoms if we do catch one.The idea of using a natural form of cold relief is very appealing, particularly for parents looking for a mild, organic remedy for young children; an age group particularly susceptible to colds. And the science behind Echinacea? We are told it boosts the immune system and increases production of white blood cells which fight foreign bodies such as viruses in our bodies. But does Echinacea really work? Are those that take regular supplements of this substance any less likely to catch a cold than the rest of us, and will they have milder symptoms when they do? Research has proved inconclusive on these questions, but some studies do seem to indicate that the benefits of Echinacea are far less than we are led to believe. According to these studies, echinacea doesn't seem to have any preventative properties, as those who take this regularly are just as likely to develop the common cold when exposed to the virus. When Echinacea is taken after a cold has developed, it may decrease the duration of the illness by a couple of days, and possibly also reduce the severity of symptoms such as headaches, sore noses. A relatively large dose is needed, however, to achieve these effects, and symptoms such as coughs and swollen lymph glands are unaffected.In children, some research shows that Echinacea doesn't have any noticeable effect at all, even when taken in large doses after the symptoms of a common cold become apparent. In fact, some children develop an allergic reaction, such as a rash, when given large doses of Echinacea, so you should probably avoid this completely. So is the idea that Echinacea could cure the common cold a complete myth? The answer is not that simple.The problem with the studies that have been roundly critical of echinacea is that they do not use a standardized extract of echinacea in a dose that is considered to be therapeutic. If you take a drastically weakened concentration of any regular drug and administer it at doses that are significantly less than therapeutic, you are not going to achieve clinical results. It also allows you to make claims about needing a 'huge dose' to achieve clinical benefits. The reality is that clinical benefits do occur when the dose is concentrated at the appropriate level. Only when scientists start comparing apples with apples will there be meaningful results on herbal medicine such as echinacea. Vitamin C is another popular supplement used to beat symptoms of the common cold. Learn more about the different types of vitamin C available here.

Category : General Medical: Infectious Diseases

Positive Experiences Come Back 10 Fold

Author : Anthony Moore
How many times have you needed to call for a service such as carpet cleaning? Mechanic service? How about a more serious issue such as a flood service?Did you find that looking through the phone book just doesn’t give enough info and searching online pops up to many unreliable, irrelevant leads? Either way, I personally find it hard at times to find quality, fast reliable service.For instance, I thought word of mouth was the best way to get what I am looking for. So I talked to a friend when my car broke down. “Sure” she said, I know just the place. After agreeing to pay a ridiculous price for a fast turn around, I thought money talks, right? Not in this case, 2 weeks later my car is still in the shop and the price has doubled.Well after explaining that I found the part myself for half the price they were charging, I would just have it towed to my location to fix it myself. I am quite handy and knew how to fix the problem, but I was going to pay so that I would not be under the hood when I needed to be out working. Trouble is I work from that vehicle and after 2 weeks you can get pretty hungry with no income.After the manager found out that I was taking my vehicle, they cut the price in half and I agreed to let them try again. We will see how that turns out. The point that I would like to make is that I see it all to often. I see companies take on more work than they can handle or put the same person on the back burner over and over again. I am a victim of that and it feels terrible. Do you think I will send them any biz?When I started my company Moore Services in 1997, I knew that word of mouth is the most respected advertisement and I wanted just that, a respected name that my customers could count on. From the first day of business, and even now my goal is to build a solid customer base of repeat satisfied customers. Now I have pride knowing that I still have many of my first customers all because of situations that had a negative impact on me. What I mean by that is, I knew I didn’t like to be ripped off or taken advantage of and I sure don’t want a single one of my customers to feel that way either.Sometimes you just need a fast response and hope for the best after making one phone call. I spend each day making sure that all of my customers feel that calling me is in fact that one call they can trust time and again with out a doubt if they need me. If you or a friend run a company, remind yourself of the frustrations you deal with and turn the situation around to make positive impressions and experiences for your customers. They will thank you 10 fold I promise. Try to confront every frustration as a new learning experience share a smile knowing that you would never do that to a friend or a customer.For every bad day you have, make someone else’s day a good day by giving them a no hassle experience. Remember, it comes back 10 fold maybe even 20 if they have that many friends and relatives. From 1 to 10 to 100 to 1000. Now that is a lot of happy customers from just 1 happy customer. Just imagine if you gave that one person a negative experience.Anthony Moore

Dallas Carpet Cleaning by Moore Services
Perfect record with the BBB
Category : Satellite TV

Stellar Customer Service in 10 Simple Steps

Author : Debbie LaChusa
If you're like me, you've had plenty of experience with BAD customer service. Just think about the last time you had a bad experience with a product or a service.

Perhaps the product or service did not live up to the sales pitch. Maybe the company was unresponsive to your calls or emails. Maybe they did not do what they said they were going to do. Or they gave you the run-around when you called to report a problem or ask a question.

If you think about it, all of these negative experiences boil down to one thing, a lack of customer service. And a lack of customer service usually stems from a lack of customer focus. It seems many businesses have simply lost sight of who they are really in business to serve.

Instead of the old saying, "the customer is always right," many businesses seem almost bothered by customers these days. In fact, I'll let you in on a little secret from my early ad agency days. We used to have a saying, "this business would be great, if it wasn't for the clients."

How ridiculous is that?! We wouldn't have had a job if it weren't for the clients (I'm older and wiser now!). Yes, sometimes clients can be difficult, but they are the reason we are in business. Our job is to serve them. If they are upset, we should welcome the opportunity to find out why, and use that information to improve our product or service.

Yes, sometimes you'll run into some yahoo who is being totally unreasonable and you just have to deal with it. But very often, client complaints uncover a problem or something we can improve upon.

So make it a point to really listen to your customers. Make a commitment to treat all your customers well. After all, giving great customer services is one of the best and cheapest marketing tools available. When you treat your customers well, or even better, when you deliver beyond their expectations, you will be rewarded.

Those happy clients are the same clients who will happily refer you. The opposite is also true. If you disappoint a client, or don't deliver what you promise, or you just plain treat them badly, they will likely tell everyone they know how horrible you are. In fact, those disgruntled clients are more likely to talk about you than your happy clients. Unfortunately, that's just the way it usually works.

The good news is, it's not hard to give great customer service. You simply have to be aware and make it a priority. Following are 10 tips to help you offer stellar customer service.

(1) Be accessible

Your customers should be able to get a hold of you, or someone in your company, if they have a question or if they need service. Provide multiple ways for your customers to get in contact with you, such as email, phone, mail or fax.

(2) Respond in a timely manner

Make it your policy to return all phone calls or emails within 24 hours. And, if you cannot commit to that, then determine what timeframe you can manage and let your customers know upfront they can expect to hear back from you within that amount of time.

(3) Listen to your customers

Often when a customer calls or writes to complain, they just want to be heard. In fact, sometimes, just listening is all you need to do. Take the time to listen to what your customers have to say before you start responding or defending your product or service. They may just have a point.

(4) Treat your customers with respect

Even if the customer on the other end of the phone is acting irrationally, or being rude, don't lower yourself to their level by reciprocating. Treat everyone with respect and you will be respected in return. Plus, you never know when someone's just having a bad day, and they happen to be taking it out on you (we've all done it).

(5) Don't argue with your customers

You can never win an argument with a customer. Because if you do win, you've more than likely alienated the customer and you've lost their business. We all know the customer isn't really always right, but instead of focusing on what went wrong and defending yourself, focus on how you can solve the problem or fix the situation.

(6) Honor your commitments

If you say you will answer emails, then answer them. If you offer a guarantee, then honor it. Nothing spoils a customer relationship faster than being promised something and not getting it.

I got a nice email last week from a client that made me realize just how important this is. Here's what he wrote:

"Many thanks for your prompt and comprehensive reply. Your personal interest, caring and enthusiasm is clearly apparent. Most company owners invite you to respond and promise to reply personally, they seldom do so ..."

Yes, it took me some time to respond to his email. But I promise email support to all clients who purchase my 10stepmarketing System and therefore it is important to honor that commitment. If I ever get to the point I can no longer respond due to the volume of requests or other time commitments, I will stop offering this service, not just stop responding.

(7) Do what you say

If you say you're going to call someone on Tuesday, call them on Tuesday. It's as simple as that. If you want your customers to trust and believe you, you have to follow through and do what you say.

(8) Focus on making customer relationships, not sales

The long-term success of your business rests on your ability to make long-term customer relationships. If you sacrifice relationships to make short-term sales, your business will be short-lived.

(9) Be honest

Don't exaggerate the results your product or service will provide. Don't promise things you cannot deliver just to make a sale. I see hype all over the web these days; everything is a quick fix or a silver bullet. It suckers people into buying the product, and then the product doesn't deliver. Think that customer is ever going to make another purchase from that business? Not likely. Be honest and direct about what your products and services can deliver.

(10) Admit when you make a mistake

No one's perfect. We all make mistakes; it's part of learning. So when you do make a mistake, don't try to cover it up or deny it. Just admit it and if necessary, do something to make the situation right. Your customers will appreciate it and they'll be more likely to stay customers.

So how does your customer service measure up? Are you practicing these 10 steps and offering stellar customer service? If not, I challenge you to take your service up a notch. Approach it like Ken Blanchard and instead of just being satisfied with happy customers, create "Raving Fans" (a great little book if you haven't read it).

Commit to putting these 10 tips into practice. Get to know your customers. Make them the focus of your business. It's one of the keys to marketing success and best of all, it doesn't cost very much!

(C) Copyright 2005 Debbie LaChusa

วันจันทร์ที่ 24 มีนาคม พ.ศ. 2551

Overview Of Evaporative Air Coolers

Author : Andrew Caxton

If you ask an older relative if they have heard of an evaporative cooler, they may say no. But chances are they would recognize the idea behind the technology. Before air conditioning or other cooler types existed, people would sleep outside on a screened in porch to try to stay cool at night. They would often hang damp sheets over the screens in an attempt to cool the air. As the hot air passed through the sheet, it was cooled. And then the cool air would slowly circulate, relieving some of the heat for the sleepers. The same idea exists today in the form of evaporative coolers. These machines are wonderful cooling mechanisms for people who live in hot, dry climates. They are also known by the name swamp coolers, but that can be misleading because they actually won&rsquo;t work at all in swampy, humid conditions. The name probably came from the way that evaporative coolers actually add humidity to the air. But in fact, evaporative coolers need dry, hot air to work because in order for the air to be cooled, it has to be able to pick up (evaporate) some of the water. If the air is already saturated, it won&rsquo;t pick up any more water and it won&rsquo;t be cooled. Here&rsquo;s how evaporative coolers work; the machine is composed of a fan that pulls the hot dry air inside the cooler, where it is passed through damp pads. The pads are kept damp by a pump that circulates water through the machine. As the dry air picks up some of the water, its temperature drops, sometimes by as much as 30 degrees Fahrenheit, depending on the climate. The cooler air is then blown into the room. An added bonus of an evaporative cooler is that the pads that cool the air also filter it. As the air passes through the pads, dirt, dust, allergens and other pollutants are captured in the fibers of the pads. So you&rsquo;ll be breathing cleaner, cooler air. If you&rsquo;re wondering why you should choose an evaporative cooler over a traditional air conditioner, there&rsquo;s one more reason we haven&rsquo;t covered yet. The cost to run an evaporative cooler can be as little as 1/10 the amount it costs to run an air conditioner. In fact, some community power companies in hot, dry climates will actually offer residents a rebate if they install an evaporative cooler because they recognize the effective, efficient cooling capabilities of the technology. Contact your local power company to see if they offer the rebates and ask if they have any information on the effectiveness of a personal evaporative cooler in your area. A.Caxton adds regularly reviews on air coolers to evaporative air coolers guide . An online information magazine about the basics of how evaporative air coolers work and some of the advantages of the technology for a good home air conditioning. At Andrew's site you can find interesting and helpful articles on these home appliances and how to choose your personal air cooler

Category : Home Furnishings

Relax With Aromatherapy Massage Oils

Author : Bryan Josling

After a hectic day at work, your husband complains of every part of his body aching with pain. Will a good nights sleep refresh him for the next hectic day? Not necessarily. With a similar schedule each day, he is adding to his pain, which within time will transform into a fatal disease. You being a caring wife, will you want this chain of events to continue? If no, then aromatherapy massage oils are for you.Aromatherapy massage oils will go a long way in giving the much-needed relief to a person after a long day at work. Massage is both physically and emotionally stimulating for the body. When the massage is supplemented with essential oils, the person gains from the synergistic influences of a calm mind and a radiant skin.Aromatherapy massage oils may be used in two ways. Inhale the massage oil vapours, which refresh your mind too. Alternatively, apply it to the skin. This method ensures that the massage oils are directly absorbed by the body from where they reach the blood stream. This has impact on one's health and skin. After a massage with aromatherapy massage oils, one actually feels splendid. These oils have been known to have special therapeutic qualities. This finds them large-scale use in healing common diseases like cold, flu, pain in the muscles, headache etc.For the purpose of massage, people often mix more than one essential oil to give the desired effect. The most common of these is the lavender, clary sage and lemon blend. It is known as the stress blend. The essential oils in concentrated form can be dangerous for use. Therefore, aromatherapy massage oils are mixed with carrier oils before applying it on the body. Similarly, one can prepare an aphrodisiac blend with essential oils of sandalwood and jasmine. Just have an idea of what purpose the aromatherapy massage oils will be used for and go on with the blending.Aromatherapy massage oils are used largely in spas and physical and mental healing centres. Trained masseurs will help you in relieving stress and give you an ecstatic feeling. If you want, you can also get massaged in your home. Massaging your loved one with fragrant aromatherapy massage oils is the best way to convey the concern for him or her. Aromatherapy massage is also recommended for the infants to give them a glossy skin and strong bones.Aromatherapy massage oils work wonders with your skin and provide mental calmness. It is also used as a cure from several diseases. Bryan Josling is working with the Horticultural Research Station in Adelaide. He has also been involved with research on plants. To find Aromatherapy essential oils,Aromatherapy Candles,essential oils wholesale visit http://www.ndaroma.com

Category : General Government

Make Money While you Sleep

Author : Troy Dudenhoefer

There is absolutely nothing more exciting than making money while you are sleeping. As soon as I open my eyes I get excited and jump out of bed. I make some coffee and log onto my affiliate accounts to see how much I money I made. Affiliate marketing is for real, and it isnt difficult to do even if you dont even know where to start. There is a ton of information out there, so just start searches for affiliate marketing and you will figure it out in no time. Whether you promote other peoples products or create your own to promote, you can make money while lying in your bed snoozing away. If you really want to get going, create your own product to promote. Create an ebook and let other affiliates promote it for you. You can write an ebook about absolutely anything. Do a little research on a subject, gathering as much information as possible, and then write about it. You will have done the leg work and compiled all the information. For your services you will be charging a fee for your ebook. Then for a commission you can let affiliates promote your ebook while you go to sleep and make money! Making money while you sleep can improve your life on almost every level. With a little ambition and some creative thinking you will be making money while you sleep in no time. The truth is you can make money on the internet 24 hours a day 7 days a week. The internet doesnt close down on weekends or holidays. There are millions of people up somewhere in the world surfing the internet while you sleep. Even on Christmas, and everyday is like Christmas when you make money while you are sleeping. Troy is the author of http://www. FreeMoneyMakingEbook.com and writes ebooks for fun and profit. He is also the author of "How to make $65-95,000 dollars driving a truck...and be home everyday" http://richtruckdriver.com

Category : General Affiliate Programs

Saltwater Fly Fishing 101

Author : Cameron Larsen

Fly fishing in itself can be intimidating for the uninitiated.
Watching a fly fisher while holding a spin rod can feel
humbling. The whole world of fly fishing looks complicated,
daunting, unfriendly and expensive. But is also alluring, and
sooner or later if you like to fish, you may very well take the
plunge, and begin to learn. To experiment, and hopefully to
catch a fish., And before long you might begin to think of
yourself as a fly angler. Gain confidence, skill and knowledge.
Try new fly fishing experiences, and learn new techniques, flies
and buy even more gear. And on and on it goes, as learning about
fly fishing is a non-ending path.

Well, let's go one step further shall we? Saltwater fly fishing is the epitome of
everything said in the previous paragraph and more. Even for the
season fly fishing trout angler, saltwater fly fishing looks
like an impossible task, to say the least. For one thing the
ocean is well huge, enormous, and might as well be unending.
Even the most competent caster can only cover a ridiculously
minute portion of the area why would one even bother. When
scanning a river or lake, one can have an educated guess about
where the fish will lie. But the ocean? Where they can be
anywhere can't they, and then you have the whole business of the
tide to learn. It isn't seasonal, it is daily. And then we have
the myriad of flies to learn about all over again. It took years
to learn about trout flies, and it is still ongoing, one must
really start all over again?? Ugh!

Yes it is daunting, but remember when you first learned about
fly fishing in general. Or frankly any new hobby or topic. It is
all daunting at first. Learning is daunting, but becomes easier,
as the new area of interest is unveiled slowly. A little
knowledge to start, to hang later more detailed knowledge on is
the most crucial. So let's start with just a little knowledge.

If you are in an area where saltwater fly fishing is well
practiced, you are in an easier position to obtain such
knowledge, by asking fly shop owners, and fly fisher's, and by
observation you can begin to get a feel for what it is all
about. But much of the world's saltwater fly fishing
opportunities are virtually unexplored.

So let's see what we can do to break this down. Like fishing
lakes and big rivers, you have only look at the territory you
can actually cover with your fly rod. And pretty much ignore the
rest. For saltwater fly fishing that territory is the 60 feet or
so next to shore. The easiest way to explore this area is by
foot at low tide, when you can actually see the underwater
terrain. You can first invest in a chart or survey map, to help
you narrow down areas that might have rocky outcroppings leading
into deeper pools or channels. If you have loads of free time,
this can become an enjoyable activity of exploration all in
itself. Look for activity of fish, and habitats that might hold
fish and their food. One nice thing here, is that fish are fish
are fish, and they all require the same thing. Security, food,
places to lie, if you know how to read habitat in rivers or
lakes you can easily adapt that skill to oceans, and bays.

Once you have your spots located, you will also need some
gear,. If you have some 8 wt gear or larger, you can least begin
to get your feet wet. As for flies, well start with the basics,
the classics, Deceiver's, Clouser's, will give you the best
opportunity to catch a fish. And you have begun to add that
crucial beginning of knowledge onto which you will hang new
knowledge as you become more versed in this field of fly
fishing. Be sure and check future editions of Big Y Fly Fishing
Ezine for more in depth articles.

Category : Boating

Overachieving Your Way to Super Affiliate Stardom

Author : Vincent Teoh

4th, 2007

Vitamin Supplements, Do We Need Them?

Author : hamoon

We live in a health conscious generation where vitamins and nutrition have become important topics. Through news, books, advertisements we are being educated as to why need to use vitamins. It’s great to see our generation become more aware of our health, but: Do We need take vitamins?
Much research has been done on the actual benefit of vitamin supplements. A recent study has found further evidence that through the intake of multivitamins men and women are able to lower their chance for heart attack. Our every day diets have proven to not provide the right amount of all the needed nutrients for our bodies.
Vitamin deficiencies and malnutrition can lead to all types of different diseases. A lack of Vitamin C can lead to scurvy. You will notice many different symptoms if you have a vitamin deficiencies. Symptoms can include: tiredness, irritability, and muscle cramps. I would recommend visiting a doctor if you notice any of these symptoms on an ongoing basis.
You can see how important Vitamins are in our every day lives. With this being said I would recommend eating healthy, and taking a multivitamin every day to help compliment your diet.

About the author:

Hamoon Arbabi For more information about Multivitamins, Proteins, Antioxidants and Ceatines go to : http://homebusiness.nexuswebs.net/multivitamin.htm

Category : Health

E-Newsletters ... Golden Egg Or White Elephant?

Author : Olga B

If you're like most of us, each week you receive dozens of e-newsletters, e-zin>

วันอาทิตย์ที่ 23 มีนาคม พ.ศ. 2551

Solving Difficult Design Engineering Challenges with High-End CAD Presentation by Design Visionaries at the Bay Area CDI - CAD Event

Author :

Design Visionaries, Inc., provider of top quality mechanical engineering and CAD services, invites you to the presentation entitled Solving Difficult Design Engineering Challenges with High-End CAD. The presentation will be held at 6:00pm on March 23rd, 2005 at the Bay Area CDI-CAD Event, hosted by DeAnza College, Cupertino. In his presentation, President Stephen Samuel will demonstrate how Unigraphics, if used well, can quickly and effectively deal with Design Engineering Challenges. UGNX is high-end software that is very easy to use and is a great benefit to Design Engineering., says Samuel. There are certain modeling techniques that are uniquely UGNX that enable rapid product design engineering. Through several interesting industry examples, this speech will detail many of these techniques. Moreover, Stephen will share some experiences that will illustrate the day to day joy of design engineering in general. Stephen will also introduce Design Visionaries brand new book, Practical Unigraphics NX3 Modeling, Drafting, and Assemblies, the only book in the world that teaches how to use UG NX3 to perform difficult design jobs. With over a 100 years of combined Unigraphics experience, the Design Visionaries team members have become experts at applying Unigraphics-based computer aided design to many of the most difficult design engineering challenges available. Through the engineering consulting projects that have been entrusted to Design Visionaries, the team has worked in the fields of aerospace, medical, automotive, industrial, and consumer products to mention a few. The worlds top design firms, who are enabled improvement of all phases of their design process after graduation from our UG courses, continue to choose Design Visionaries as a Unigraphics mentor for their engineers. Bay Area CDI CAD Program and CAD-Engineering Job Fair is a complimentary event hosted by DeAnza College in Cupertino from 5pm 8pm on March 23rd at the Campus Center. We advise that you bring 8 quarters for parking. Please refer to the following maps for specific location: Campus Map &lt;a href=&quot;http://www.deanza.fhda.edu/map/&quot; target=&quot;_blank&quot;&gt;http://www.deanza.fhda.edu/map/&lt;/a&gt; Campus Center Map &lt;a href=&quot;http://www.deanza.fhda.edu/map/main_quad.html&quot; target=&quot;_blank&quot;&gt;http://www.deanza.fhda.edu/map/main_quad.html&lt;/a&gt; For more information about Design Visionaries, Inc. presentation please contact us at (408) 997-6323 or visit us at &lt;a href=&quot;http://www.designviz.com" title=&quot;test&quot; target=&quot;_blank&quot;&gt;www.designviz.com</a> .Press Contact: Vera Belenky, Marketing ManagerOffice: (408) 997-6323Mobile (408) 910-3915E-mail: e-mail protected from spam bots

Category : Motivational

7 Simple Steps To Discipline For The Home-Based Business Owner

Author : Laurie Hayes

e">February 16th, 2007Download as HTML e">February 16th, 2007

?They Should Have Beat Me More? - The Cycle of Physical Abuse

Author : Margaret Paul, Ph.D.

In December, 2005, I conducted a two-day workshop with men who had recently been released from prison for domestic violence. With the men were their wives, as well as the father of a batterer who was still in prison.The father, Douglas, sat in front of me, sharing his childhood experiences. ?My momma was a very loving woman ? a big-hearted, hard working loving woman,? he told me. From my many years of counseling, I knew that my definition of love and his definition of love were likely very different.?Did she ever beat you?? I asked. ?Oh yeah. She beat me all the time. My daddy beat my momma and my momma beat me. But she beat me because I was bad. I was really bad. Maybe if she had beat me more, I wouldn?t have been so bad.??What did she beat you with???Anything she could get her hands on. Extension cords, wooden spoons. Often I had to go into the yard and pick out the switch.??How did you feel when you knew you were going to get a beating???Oh, I was terrified. I?d beg and plead and promise not to do again whatever it was she was mad at. But that never worked. I always got the beating. Then after the beating she would tell me that she loved me, that it was for my own good, and that it hurt her more than it hurt me.??And how were you bad???Well, sometimes I?d come in late, and sometimes I would talk back. Then I got into alcohol and drugs at a very early age. Maybe if she had beat me more, I wouldn?t have done the alcohol and drugs.??Why do you think you did the alcohol and drugs???I was just hurtin? too much. It took me outta all the pain for awhile.??What was the pain???I don?t know. I was just hurtin? a lot.??Do you think it is possible that you were hurting because the woman who was supposed to protect you was instead hurting you? That she was confusing you by telling you she loved you while she was beating and terrifying you? That there was no one to turn to for safety and nurturing? That you were scared much of the time for fear of the beatings? That you were terribly lonely and could not turn to your parents because they were the ones causing the pain??Silence???Then he looked at me in shock. As the light bulb when on in his mind, the tears started rolling down his weathered cheeks. Soon he was sobbing. ?That?s right?That?s right?.The beatings were the problem. More beatings would not have helped. And I beat my children thinking it was the right thing to do, and now my son is in prison for beating his wife and protective services want to take away their daughter. And I almost hit her the other day when she didn?t mind me. I?m so glad I didn?t. This has to stop! This has to stop!?I looked around the room. Everyone was in tears. Kathy, the wife of one of the batterers, spoke up, sobbing.?I?ve always hit my kids, and no matter what anyone told me about it not being good, it never made sense to me. This is the first time I understand why it?s not a good or loving way to discipline my kids. And I can see why I?m having so many problems with my older son and why he is on drugs. He has always been furious with me and I had no idea why. Now I understand. I need to learn a new way to discipline. I?m going to take a parenting class and start reading parenting books.?I hugged Douglas for the profound work he did, and for the effect his work was having on everyone in the room. I thanked God for giving me the privilege of working with these people. All of them, it turned out, had been severely beaten as children. I am deeply grateful to James Beard who conducts workshops within the prison with batterers and to Lindsay Wagner, who also works with these men and their families. Both of them were assisting me at this workshop. We all smiled at each other in deep gratitude for the healing that was taking place. About The AuthorMargaret Paul, Ph.D. is the best-selling author and co-author of eight books, including "Do I Have To Give Up Me To Be Loved By You?" and ?Healing Your Aloneness.? She is the co-creator of the powerful Inner Bonding healing process. Learn Inner Bonding now! Visit her web site for a FREE Inner Bonding course: http://www.innerbonding.com or email her at mailto:margaret@innerbonding.com. Phone Sessions Available.

Category : Parenting

What to Get a New Baby

Author : Steve Dolan

Baby GiftsHaving a baby is an amazing experience for the new parents, but at the same time it can be hard to cope with. You can help make life a little bit easier for the happy parents by giving them a baby gift that assists the transition from couple to family. It's easy to buy something cute for a baby, but there are also many helpful and practical gifts that will really make a difference. You'll also know that your gift will get used plenty of times, rather than admired and then shoved in a cupboard.One great gift you can give is a baby monitor. These clever devices monitor the sounds made by baby while sleeping, so that mom or dad can get on with other things that need to be done and can immediately hear when baby wakes up. They're also useful at night, because you'll know very quickly when baby is awake and wanting to be fed. New parents tend to worry a lot about their baby's health, so why not give them something to assist them? Digital baby thermometers are simple to use and much less intrusive than the old fashioned thermometers. You can buy thermometers that take the temperature orally, from the skin, or in the ear. Great for reassuring a nervous parent that baby is fine, but also for indicating when a visit to the doctor might be required.If you'd still like to buy something cute and fun, then check out the range of crib items. There are heaps of great ideas available, including toys that attach to the inside of the crib and use music and lights to help lull baby to sleep. Perhaps you could choose a mechanical mobile with cute decorations for amusing baby. Look at the Lamaze range of baby toys, designed to be fun and interesting for baby, while stimulating various senses at the same time. Great for development.You can also choose baby blankets, sheets, towels, washcloths and a whole lot more, all available in a wide variety of styles and colors. Look for cute but practical clothing, including sleepwear, onesies, socks, jackets and t-shirts. Always test out the clothes to make sure they're easy to put on and take off again, and that it's easy to access the diaper for a quick change, without having to completely undress the baby. If the new parents need some more expensive baby items, why not join together with some other friends to buy a bigger baby gift. This is a great way to give parents items like strollers, cribs, car seats, or playpens. You can either organize to purchase the item yourself, or give the new parents a gift certificate to cover the cost and let them choose their own. Another useful gift is diapers. Either buy plenty to keep the parents going for a while, or if they like cloth diapers, organize a diaper service. They'll take away the dirty diapers once a week, wash them, and then bring them back again. Any new parents will love you for that gift!Baby gifts are a wonderful way to get the new family started in their life together, and you can do a lot to help that process. Don't waste your money and something cute that will never even get taken out of the box. Try to combine practical and fun, and the new parents will thank you for it - over and over again. Selecting the appropriate baby gift can be a challenge. Mary Amos is a mother and has a multitude of neices and nephews. Click Baby Gifts for some great ideas.

Category : Baby

Piece of Mind During Pregnancy - It is Possible with Babysheart

Author : Elizabeth Williams
After four years of marriage my husband and I started to plan for our family. Unfortunately we ran into some fertility issues because of my endometriosis. We eventually went to a specialist and were able to conceive after 2 years of trying to have our first child. Unfortunately I had an early miscarriage, and it left me very emotional. We decided to try again as soon as medically possible and conceived again. This time I was so anxious because of the miscarriage. I would count the days to my next ob visit just to hear the heartbeat.Everything turned out fine and we had a beautiful baby girl. My second pregnancy came very quickly after my daughter was born, because we didn’t want to risk the endometriosis causing problems again. Much to our surprise we conceived quickly and everything went well during that pregnancy. Again, I was very anxious during this pregnancy because I had to wait until my OB appointment to hear my baby’s heartbeat. I looked everywhere for a device I could use at home but the only one I could find was a unit that was poorly engineered. I could never get it to work, all I heard was static, never a clear heartbeat.After my second little girl was born, we decided to try for a third time. I just love children! This did not go as well. We were able to conceive but I had another early miscarriage. So we tried again, another miscarriage, and a third time, the same thing, an early miscarriage. At this point I wasn’t sure I wanted to go through this again, so we waited a year.We decided to try one more time. We conceived, but I was so concerned about having another miscarriage, that I found myself going to the OB every other week just to check the heartbeat. That is when I did some research, and I told myself, I didn’t care what it cost, there has to be a listening device for home use that was better than what I found before. Also you can’t use some of these devices until your 20th week.After more research and consulting with my Father-In-Law, who happens to be a Physician, I finally found a device that worked. I obtained my Doppler and picked up the heartbeat right away. I could also hear the movements and kicks of the baby. Being able to identify the heartbeat and movements right around my 10th week was so reassuring to me and my husband. It also allowed him to bond with the baby.After everything I went through trying to find this technology years ago, my husband and I both felt like this kind of product would be a huge benefit to women. After month’s of research and preparation - Baby’s Heart is our answer to addressing this need.We are so excited about other parents being able to enjoy the increased sense of calm, peace of mind and enjoyment that we found during my last preganacy. We also wanted to build a business that truly helps pregnant women and their families.http://www.babysheart.com
Category : Innovation

Propertycasting - The Commercial Application of Podcasting for the Real Esate Industry

Author : Ryan Hoback
Propertycasting is the commercial application of podcasting for the real estate industry. Propertycasting involves the distribution and publishing of audio and video feeds, that offer real estate information delivered over the Internet, for on demand listening.This is a new step in the evolution of on-demand real-esate information delivery, making it accessible, informative, useful and appealing. This mix presents the real estate industry with a very unique opportunity to reach its target audiences through this new medium. Those individuals, who are already seeking real estate information actively, will use RSS subscription technology built into each podcast feed, to receive information immediately as it is updated by the real estate firm. With one click of a button, a user can subscribe to a feed that may be interesting, and any related information that is ever updated to that feed will be automatically processed to their personal aggregator. An aggregator is able to subscribe to a feed, check for new content at user-determined intervals, and retrieve the content.To take this process one step further, podcasting publishes each feed with the capability to be transferred to any portable audio or video device. So with the growth of the ipod and all the other portable media devices, you have the ability to grab propertycasts and place them on your portable player for listening or viewing. Most users attach their portable players to their computers daily or weekly, and once the player is attached they automatically receive the new propertycast updates.Here is a sample of a propertycast:
http://whatiwantpodcasting.com/pods/video/PropertyCast_Large_Windows.wmvThe flexibility of this medium is what will drive the growth of propertycasting tremendously over the next few years. Currently the most useful application for real estate organizations worldwide, is complimenting already existing real estate web pages with audio and video feeds. These propertycasts detail important notices and information that may be prudent, along with a quick marketing pitch from a broker. These can be used for seasonal marketing activities, special events, or monthly updates.For years and years, associates and brokers have been sending out property listing updates. These propertycasts can be inserted into your existing listing pages. Most firms have numerous web pages which deliver real estate information in text and pic format. By providing an audio or video link on that page it gives the user a different and much more effective format for receiving the information. This is also a great way to teach your existing users how to start utilizing propertycasting services.The popularity of portable on demand information will grow even greater as wireless internet services continue to flourish across the country. These portable devices will no longer have to be connected to the internet; they will receive information wirelessly as it is updated. In addition, as cell phones and portable devices continue to merge together, the market grows larger.For firms that have thousands of employees or brokers, the distribution of company information is very important, and once again this offers each institution a method of on-demand delivery which is convenient to all.There are numerous uses for propertycasting currently, and over the next few years it will explode in popularity. It is beneficial to institutions as well as the consumer, and it will be seen as a great tool in any real estate organizations’ operations.Ryan Hoback is CEO of What I Want Podcasting.They specialize in developing podcasts & nanocasts for a wide range of industries. Their development team guides each client through the process of creating podcasts that incorporate brand integration and deliver the target message through a positive visual & listening experience.http://www.WhatIWantPodcasting.cominfo@WhatIWantPodcasting.com
Category : Jewelry

The Hottest Trend in Dating: Speed Dating !

Author : Amit Laufer

Let?s start by explaining what is it exactly Speed Dating. This can be arranged individually or by an organization as a Speed Dating Party with many people. The principle is the same, You participate in a fast round of short (few minutes per date) but with as many as 25 partners per session. This Fast Dating method is quiet efficient and rewarding alike.Usually in few minutes, sometimes only three minutes you get to see your potential date, get a short impression from his/her looks, voice, accent, dress, self confidence and self esteem, few background information, enough for you and for them to make a go, no go quick decision which you can discreetly mark on a small card according to their tag identification Number.Usually these speed dating sessions are taken place at a cool fun bars. Arranged with tables for two, ready for these multi mini dates sessions. Each participant is seated in front of his date and when the host is blowing the whistle it is the signal it is time to move on to the next date. It goes on and on until you finish all your mini dates.When you get home, you input the codes names of the partners you liked into the online dating system, you get a second chance to see their pictures and refresh your memory. After each participant inputted his selections the system makes the final matching of the preferences of all participants. Hopefully, at the end of this computerized process you get a list of potential dates you liked and like wise were interested in you.Now, it?s up to you to send an email to a partner and set a real quality date. This time there is no stress as you both acknowledged your mutual attraction for each other.It?s no wonder this method is a hit as it has some notable advantages over some other ways to meet people, like blind dates and pick-up bars. Just imagine, you arrive to a blind date with high hopes only to discover in as little as 15 seconds you are not attracted at all to the date partner. Since you are such a good hearted boy and you don?t want to disappoint your date you go out together to a movie and spend some more time and money in a caf? when you know it has no future what so ever. Not only that, think about it, you would have spent that time and money 25 times! About The AuthorAmit Laufer is a writer and an Internet Marketer. MBA & Bsc. Computers and Information Systems. Owner Editor of: http://www.dates-i-love.com/This Resource Box must be included with your copy of the Article

Category : Relationship

Dodging Leasing's Grim Reaper: Navigating a Payment Default

Author : George Parker
In her third Harry Potter novel, 'The Prisoner of Azkaban', J.K. Rowling introduces a silent mysterious clan of spiny, cloaked creatures capable of siphoning off happiness and all good thoughts from anyone in their presence. Extended exposure to these scabby grim reapers, called Dementors, resulted in madness or death for even the most joyful individuals. In the world of equipment leasing, the closest things to Dementors are lessors who lose confidence in defaulting lessees. If your firm faces imminent payment default, there are several actions you can take to improve your chances of navigating this unfortunate situation.As in most situations that can spin out of control, effective communication between lessee and lessor is extremely important. At the start of the lease, you are primarily concerned with obtaining flexible, cost effective equipment financing. The lessor?s primarily objective is to originate a profitable lease transaction. Once a payment default is in the offing, the primary concerns of both parties change. You now focus on taking actions to guarantee survival, while the lessor seeks protection and recovery of the lease investment. That being said, it is very important that you appreciate the lessor?s concerns when you are planning a recovery and when communicating with the lessor.As a first step, you should notify the lessor when a payment default seems unavoidable. No one wants to be blindsided by an unexplained delinquency as the first indication of a problem. Most lessors will appreciate your forthright candor in alerting them. Be prepared to give an explanation of the cause of the payment problem, a detailed account of your company?s financial condition, and your plan to correct the situation. If you are able to generate financial projections, they will prove helpful in convincing the lessor to allow you to execute your recovery plan.Try to stay in compliance with all other terms and conditions of the lease. Most lessors will appreciate your diligence in adhering to the other lease provisions, especially those requiring periodic financial information. Frequent updates will give the lessor confidence that you are cooperating and working with him.If appropriate, propose a rent reduction in an amount and for a term that will give you an opportunity to recover. Remember, the lessor is primarily interested in how the lease will be repaid and how he will realize the benefit of the bargain negotiated at the outset of the lease. Secondly, he is concerned about his collateral position. Now that a problem has surfaced, he will want protection from a loss on the transaction if your company fails or if equipment repossession becomes necessary. Offer cash flow projections to show how your firm will recover and when you will be able to resume making full rent payments.If possible, be prepared to offer credit enhancements and an increase in the lease rate to entice the lessor to accommodate you. Credit enhancements are intended to make the lessor feel more secure that he will recover his investment. You may offer additional collateral, a personal guarantee, a pledge of stock or other securities as credit enhancements. To compensate the lessor for the added risk of the defaulted transaction offer a rate adjustment. A rate adjustment might be accomplished by extending the lease term, stepping up the rental after resuming payments, or issuing warrants to purchase stock in your firm.If you can?t determine the likely duration of the default, you should request a relatively short period of lower payments until you can better evaluated the situation. Be prepared to negotiate the length of the period, the amount of the reduced payments and credit enhancements.If the default looks hopelessly incurable, you may proceed in number of ways. You can: 1) offer to return the equipment to the lessor and pay the lease balance over an extended time; 2) offer to find a suitable sublease arrangement for the equipment; or 3) see whether the lessor will allow you to keep the equipment and make reduced payments on a month to month basis until you or the lessor can re-market the equipment. If all else fails in working out an acceptable solution with the lessor, it may be time for you to get a skilled attorney involved.If you are able to reach a mutually acceptable solution, some lessors might require a formal forbearance agreement covering the new understanding. These agreements can take the form of an informal letter of understanding or an extensive legal agreement. The agreement form may depend on the size of the transaction and the preference of the lessor. Most lessors ultimately expect to be compensated for forbearing via a one-time forbearance charge, penalty rental payments or other means. Also, expect to reimburse the lessor for any legal expenses incurred to document a forbearance arrangement.Most lessors don?t want to take legal action or cause customers hardships that will interfere with recovering their lease investment. This preference is weighted against the prospect of realizing a larger eventual loss by allowing the customer to retain the equipment. It is usually more advantageous for lessors to work with customers if the situation seems salvageable. The less desirable alternative is to go through an expensive and lengthy legal process to foreclose on the lease and attempt to repossess the equipment. Many large lessors have individuals in-house that specialize in managing ?work out? transactions. These specialists usually have had experience with many lessee payment defaults. Their mandate is to get the quickest recapture of the lease investment possible, subject to protecting the investment. If it becomes clear at any time that the lessor plans to take legal action against your firm rather than try to work with you to realize a mutually acceptable solution, get a skilled attorney involved. The attorney can provide you with your legal alternatives and may be able to assist you in negotiating with the lessor.When your company?s fortunes take a turn for the worst and you have to modify payment terms with your leasing company and other creditors, don?t panic. This is the time to redouble your efforts and to draw up plans to remedy the situation. Early aggressive actions by you to develop solutions will pay great dividends. Make every effort to create and propose plans mutually acceptable to all parties. However, always be prepared seek legal help should grim reapers or Dementors show up at your door.George Parker is a Director and Executive Vice President of Leasing Technologies International, Inc. ('LTI'), responsible for LTI?s marketing and financing efforts. A co-founder of LTI, Mr. Parker has been involved in secured lending and equipment financing for over twenty years. Mr. Parker is an industry leader, frequent panelist and author of several articles pertaining to equipment financing.Headquartered in Wilton, CT, LTI is a leasing firm specializing nationally in direct equipment financing and vendor leasing programs for emerging growth and later-stage, venture capital backed companies. More information about LTI is available at: http://www.ltileasing.com.
Category : Hardware

Create A Web Site

Author : Peter Emerson

Creating a web site is one of the easiest ways to get information across to a wide target audience. If you are aiming for a professional web site, it is always better to register your own domain name rather than opt for a free web site that might not exist in a few months time. This way you can control the content of your web site, expand it when you need to, guarantee its longevity and ensure that it is listed in popular search engines. There are two basic steps involved in creating a web site and getting it up and running. The first is to register a domain (or dot com) name, and the second is to sign up with a web host.A domain name is the address of your site. For example: www.yoursite.com. Choosing a domain name is crucial, since the basic idea is to attract as much traffic to your web site as possible. Register your name with a company that offers the option of privacy and provides continuous customer support. Domain names can be registered for a year or more, and registrations could range from $16 a year to as little as $10 for 10 years. Try not to register lengthy or complicated domain names that cannot be easily recalled. Its a good idea to register multiple extensions to the same name (.com, .info, .org, etc.) to prevent others from copying or registering similar names. If you are going to rely on search engines for traffic, use major keywords in your domain name instead of your company name. Once youve registered your domain name, choose a web host depending on the size and type of site you are planning to create, and transfer your domain name to it. A web host will provide you the necessary space to build your web pages, set up email accounts if required and make provisions for additional functionality such as order forms, chat rooms, etc. Once youve signed up with a web hosting company, you can start creating your web site. Many web hosts offer online tools for those unfamiliar with the HTML program required to write the pages. A hosting company will charge around $10 per month for an average web site.Remember, a good web site must be simple to use and navigate. Opt for the services of a web design company if you want that magnetic quality that attracts viewers like bees to a honey pot! Create A Web Site provides detailed information on Create A Web Site, Create A Free Web Site, Create Your Own Web Site, How To Create A Web Site and more. Create A Web Site is affliated with Affordable Web Design And Hosting Services.

Category : General Web Development

ATM Cards Mean Less Check Writing

Author : Lance Winslow
There are currently some issues with currency flows and as the flow of money is sped up electronically there are fewer people writing checks, instead we are all using plastic credit cards or ATM cards, which is good for retailers and it speeds up the flow of money. This would be simulated as more money in the flow, yet the money in flow at all times is the same and maybe even less as we see it as it has flowed off shore to other countries and unfortunately also effecting their markets and causing serious inflation. Almost the peak before the fall, thinking of course of China.But on a micro-level we see here in the states writing less checks which speeds up the flow of money but also means less will be employed in check clearing houses where several thousand people work in every major US City.Fewer people writing checks? Yes, so they need less in check processing right?http://www.bizjournals.com/sanantonio/stories/2004/05/17/daily19.html?f=et77Any policy in the US dealing with the economy must take into consideration the artificial increased supply of money caused by simplistic plastic-electronic flows as they are one and the same in the eyes of the user of any currency. It feels the same and needs to be understood and calculated in with the process of judging the expansion or inflation of an economy.What things did you purchase today? Did you use actual cash for everything or did you use your ATM card? See what I mean? Think about it and report back to us your purchase percentages, Paper or Plastic?Lance Winslow - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/
Category : Finance

วันเสาร์ที่ 22 มีนาคม พ.ศ. 2551

Pricing Your Home When It's For Sale By Owner

Author : Jan McBee
Pricing your home correctly is the most important part of selling it. If you price it too high, you'll lose buyers. Too low, and you'll lose money. To determine the right price, you must decide how soon you need to sell your home, and you'll need to research local housing prices.A word of caution: Many sellers make the common mistake of not setting their emotions aside and placing too high a value on the wonderful memories and joy the house has brought them. Don't make this mistake. Remember, a buyer is looking for the most house for the least amount of money. They'll add their own memories later.Deciding How Soon You Must Sell
First, decide how long you can wait to sell your home. If you need to sell it quickly, you'll set a lower asking price than if you have more time. Since you're selling your home without a real estate agent, you're not paying an average 6% commission, so you have a much greater degree of flexibility in pricing your home. If you need to sell quickly, you can price your home noticeably below the price of similar homes in your area to attract more buyers.Finding the Prices of Similar Homes
Once you've decided how much time you have to sell your home, you'll need to know the asking prices of houses similar to yours that are in your general area. Finding these homes can be done easily on the Internet by going to any search engine, like Google.com, and typing in "houses for sale" plus the name of your city or town.You'll see links to local and national real estate websites that show all types of houses, most of which are listed with real estate agents. Look through these websites for houses that are similar to yours and close to yours geographically. Compare the number of bedrooms, bathrooms and the house size. Other items to compare include acreage, setting, fixtures in the home such as lighting and appliances, and other amenities.Setting Your Price
Once you've come up with a list of similar houses, compare the prices and the features of each home, then estimate what your home could sell for. The longer your list, the easier this will be.Now remember, because the houses on most of these websites are listed with real estate agents, their prices reflect real estate commissions. This is something to take into consideration when you set the asking price for your home.Buyers know that because you're selling your house on your own, you're not paying a commission. In fact, they're choosing to buy For Sale by Owner because they believe they'll get a better deal. And they've done the same research you have. Consider pricing your home just below the price of a similar home that carries a real estate commission. If you need to sell your house quickly, price it even lower. Remember, you're not paying a commission, so you're still saving money. If you have more time, price your home a little higher and be prepared to wait longer.House Appraisal
Another method of pricing your home is using a local real estate appraiser. They will inspect your home and create a detailed report that includes comparables (houses similar to yours and in your area that sold recently). An appraiser's findings are certified, which gives you solid proof that your asking price is fair. Appraisers charge between $200 and $400.Pricing Summary
Your goal is to sell your house. To do this, your price should be fair and it should reflect the prices in your market area. By following the guidelines above, you should be able to get what you need for your home while at the same time attracting the greatest number of buyers. You can always change your asking, but it's wise to price your home fairly from the beginning.Jan McBee is the chief writer and research adviser for DwellWell.com.
Category : Finance:Real-Estate-FSBO

Latest Fishing Technology and Fishing Gears

Author : Dylan Miles
Fish finderImagine you're sitting out there on your fishing boat, you whip out a cool gadget you just bought from the Internet and after a couple of beeps, the device tells you that there is a school of fish some 3 meters or so away from you. Now, how cool can that be? It's almost like an ultrasound scan of the sea or the lake that tells you exactly where the fish are.But of course, this is not news because many different companies have developed their own ultrasound-like fish finding gadgets a long time ago. But Maptech's new i3 module is the first of its kind. It's the first ever touch screen, hi-resolution 3D Fishfinger. Yes, you can literally see the kind of fish that's swimming around under your boat, in super clear images and in real time.The i3 Touch Screen command on the fishing gadget can help you navigate the floor of the lake or sea with a radar, combine it with satellite communication and a weather report too.This is an absolutely MUST for those who seriously looking into easy-fishing.Monofilament fishing linesThere's absolutely nothing worse than to have a fish on the hook and have the line snap! Well, no more snapping of fishing line with the latest development in monofilament fishing lines. Monofilament fishing lines come in a wide range of colors, sizes, thickness and strength. Although it's stronger than some of the other more conventional fishing lines, they are cheaper. Monofilament fishing lines comes with special coating that keeps them from snapping easily. The only thing is that they don't stretch as good as other types of fishing lines but they make up for it with their bulk and strength.Monofilament fishing lines are also quite transparent over the water and hold knots pretty well.Fashion is always cool tooSometimes, cool has nothing to do with technology. It's got more to do with the brain and 'creativity'. If your husband, brother, or father is a fishing fanatic, you can always get them fashionable fishing gear with extra pockets to place their scissors and hooks. Perhaps the water-proof raincoat with fluorescent streak for night fishing, perhaps. And how about the water-proof watch? That'll work perfectly. And how about an X-LOOP flash mirror polarized lens? Sunglasses for baking in the sun and raincoat for fishing in the rain are exceptionally cool gears we cannot ignore.Let's take the sunglasses as an example. The sunglasses not only remove the glare and improve the quality of what you see with your naked eye, you see the same scene in deep colors and contrasts. These sunglasses are developed specifically for fishing enthusiasts.Dylan Miles, journalist, and website builder, lives in Texas. He is the owner and co-editor of http://www.fishingcreek.info on which you will find a longer, more detailed version of this article.
Category : Recreation-and-Sports:Fishing

A new Web Marketing ROI Calculator - Part 1

Author : Robin Nobles


Fishing in the Outer Banks

Author : Kathryn Lively
For the fishing enthusiast, one will be hard pressed to find a more relaxing locale than the Currituck Outer Banks to partake in your favorite activity. Pleasant, year-round weather, spacious beaches, and excellent locales up the coast allow for excellent fishing on charters, area piers, and even the shore. Grab your tackle box and your best spinning rods and spend the day in Currituck. Whether you take home just one drum or an entire cooler full of spot, a day of fishing in the Outer Banks beat a day at work.Where to Fish in the Outer BanksThe northern coast of the Outer Banks and Knotts Island offer many places for serene, comfortable fishing. Residents and visitors alike often congregate at the Coinjock Marina, where one can fish off the pier or charter a boat trip for some deep sea action. The Midway Marina & Motel, on the Intracoastal Waterway, offers a number of amenities for traveling fishermen, including Internet access and clean, comfortable rooms for extended stay. On Knotts Island, there Pearl's Bay Villa Marina & Resturant across the Currituck Sound from Carova Beach. There the fish are plentiful and the views especially breathtaking.Types of Fish in the Outer BanksMany associate the Chesapeake Bay area with crabbing, and indeed you may find a number of commercial trawlers on the sea when you head out to fish. Truth is, though, there are a variety of fish to be had in the Currituck Outer Banks. On a good day, one can catch bluefish, speckled trout, spot and puppy drum, as well as some croaker, black drum, flounder, and even small sharks. When the tides are right, pier fishermen may be able to catch some red drum, while striped bass is reported found near Oregon Inlet.Weather Conditions for the Outer BanksThe best thing about fishing in the Outer Banks is that it need not be limited to the warmer months. Truth be told, the warmth in this region stretches further through the year than in most areas, and during the off-season the beaches are not crowded. Fishermen can take advantage of the time before Spring Break for uninterrupted fishing.From March through November you may see lows in the 60s in the colder months, and highs into the 80s-90s at the peak of summer. Consequently, water temperature also varies, in the 50s during colder month, warming in the summer and staying relatively warm (as high as 70 degrees) as late as October.Whether you want to fish early in the year or in the heat of summer, the Outer Banks should be a must visit for all fishing enthusiasts.Kathryn Lively is a freelance writers whose travel articles appear on many websites, including VisitCurrituck.com, the official website of Currituck County Travel and Tourism.
Category : Recreation-and-Sports:Fishing

Don't Get Caught With Your Credit Down!

Author : Diana Huntress

When you think about credit cards, credit card rewards and applying quickly and easily online, what do you think of first? Which aspects of credit cards (and their possible rewards), plus easy, online application are important, which are essential, and which ones can you take or leave? You be the judge.Have you ever heard or seen, "Your credit card has been declined?" I have, and it immediately gave me a sinking feeling of frustration and inadequacy (and I kind of got a little mad, too -- both at myself and at the company who declined my credit). Guard yourself from ever experiencing those feelings and being shut out of having what you want or need (maybe at a bargain), just because your credit card is maxed out or non-existent.It's probably happened to you before. You know, you're shopping on the internet and you come across an item that retails for much lower than in the stores. With free shipping included, the furniture you found online can be ordered today, shipped tomorrow, and at your front door by the weekend. You don't have to spend time (and your patience) fighting traffic to go to the mall, no searching for a parking space, and no lifting of a bulky box and trying to fit it into the back of your car. However, you may soon realize you have a very big problem: your credit card is maxed out or, even worse, you don't have a credit card.What can you do? Here's a simple solution: apply for a new credit card, one that you can begin using today. Now, you don't have to pass up that bargain. You can take control of the situation now, but I recommend you do it wisely, also. Why not get rewards for spending, too?Not only do you want to use the credit card ASAP, but you want one that offers great rates and rewards you for making purchases on your new card. You can find low introductory rates, free balance transfers, no annual fee, and a low fixed rate after the introductory period ends. Best of all, you can even find credit cards that offer cash back on purchases or rewards points redeemable for airline tickets, free hotel stays, a car rental, and so much more.You may think that, in order to get great benefits, you have to submit to high interest rates with "fly-by-night" banks. Not true. That's why I suggest you do a little research before choosing a credit card or cards. With just a little investigation, you can find what you're looking for with large, respectable and reputable companies.You may not consider everything you just read to be crucial information about credit cards. But don't be surprised if you find yourself recalling and using this very information in the next few days.Get instant information and compare rates and rewards online, then choose (from trusted providers), fill out a simple application and immediately receive the power of credit with the rewards that suit you. Select the card that works best with your lifestyle and reap the rewards of both accumulating points and getting what you want quickly.Now that wasn't hard at all, was it? And you've earned a wealth of knowledge, just from taking some time to study an expert's word on credit cards. Diana Huntress is a financial consultant and senior staff writer for http://www.creditcarddirectoryhome.com . She began writing articles about consumer credit issues in 2001. Check out: http://www.creditcarddirectoryhome.com to get answers to your questions and/or for an online application.

Category : GEneral Business: Finance


Author : Royane Real

Hi there - I couldn't think of any other way to contact you.I just found your site at arcanaweb, and I have submitted a few things. I hope you like them.I read your editorial guidelines, and the reason I am writing to you is to tell you I am very impressed. I too am fed up with the amount of badly written garbage on the net.Royane

Category : Editing

วันอาทิตย์ที่ 9 มีนาคม พ.ศ. 2551

Protecting Your Important Files

Author : Ramona Creel
So, you've created the perfect filing system, you can put your hands on any piece of paper in 30 seconds or less, and your desk is in order. What happens if your house burns down tomorrow -- would all of your vital records go up in smoke? If you had to go into the hospital or (heaven forbid) died next week, would your loved ones be able to find what they need to manage your affairs? There is much more to organizing than just making sure everything has a home. You need to make sure your important paperwork is PROTECTED and easy to access in the case of an EMERGENCY.FIRE, FLOOD, OR TORNADOI first started thinking about the value of protecting important records when my sister's neighborhood was hit with an F5 tornado. The houses I had grown up around were decimated -- in some places, there was nothing left but the foundation. Fortunately, there were very few casualties, but I watched on the news as the community tried to put itself back together again. As I thought about all of the things these people had lost -- their homes, their cars, their personal possessions -- I realized how difficult it would be to REBUILD your life without paperwork. How long would it take you to file a claim with your insurance company, if you didn't know your policy number? How difficult would it be to handle your finances if your checks, bank statements, and credit card info was destroyed? How could you get the help you needed without birth certificates, social security cards, and other personal information?The goal here is not to be pessimistic, but PREPARED. You should keep a list of all your important numbers (bank account, credit card, insurance policies, social security) and contact information (addresses, phone numbers, and your contact person) for anything that you would need if disaster struck. You should also consider storing your vital records (birth certificates, wills, insurance policies) and your list someplace safe -- keeping copies in your everyday files for quick reference. Someplace safe means a safe deposit box, a locked drawer at your place of employment, your mother's house, or a fire safe in your closet. And it's also a good idea to leave copies of this information with your attorney and CPA -- the two professionals who will be most involved with your situation if you do face a major emergency.IF YOU HAVE TO FILE A CLAIMAnother important piece of paperwork to consider is your HOUSEHOLD INVENTORY. If your personal possessions are damaged or destroyed, the insurance company isn't just going to write you a check for the amount printed on your policy. They are going to ask you to ITEMIZE everything that you lost and ESTIMATE its value. If you had to, right now, could you make a list of everything that you own and how much it is worth? Probably not. And it would be even more difficult during a time of crisis when you aren't thinking straight. So the key is to create your list before you are put into that situation.You have several different options for creating a household inventory. The best choice is to walk around your house with a VIDEO CAMERA and record everything that you own. You are welcome to make comments about your belongings as you film -- "We bought that TV last year and it cost $600," or "Grandma Miller gave us that table; it was made in 1865." If you don't have a video camera, just take still SNAPSHOTS of each item. Then, you will need to estimate the year of purchase and the value at purchase of each piece. If you have the receipt, make a copy and clip it to your list. If an item is particularly valuable or an antique, you may wish to have an APPRAISAL done and include the appraisal with your list. Your household inventory should be stored with your other important papers -- but don't just stick it away and forget about it. You need to plan a time each year to update your list -- adding on any new items you have acquired since the last inventory.MAKING IT EASY ON YOUR HEIRSNo one likes to think about death, but it is a fact of life. Grief is hard enough to handle, without having to deal with confusion over the deceased's paperwork and final wishes. You can make things easier on your loved ones by getting your affairs in order now. Start by creating a DOCUMENT LOCATOR -- listing where all of your important papers are stored. And remember that safe deposit boxes are often sealed at death, so keep your funeral arrangements and wills somewhere more accessible. Your family will need to know the location of the following records:• legal (wills, powers of attorney, trust documents, special bequests, safe combination)• family (birth/adoption/guardian, social security, citizenship, marriage/divorce, military)• banking (trusts, loans, list of accounts, statements/cancelled checks, check/passbooks)• investments (CD, securities, stock/bond/mutual fund, retirement plan, IRA, annuities)• business (incorporation papers, contracts/agreements, computer back-up)• deeds/titles/registrations (title insurance, property, home inventory, vehicles)• insurance (life, other death benefits, property and casualty, health, homeowners, auto)• funeral instructions (burial instructions, cemetery plot deeds)• contacts (friends/relatives/business, attorney, CPA, insurance, broker, executor)Indicate the location of each -- at your residence, office, in a safe deposit box (and where the key is!), or with your attorney, accountant, or brokerage house. Be sure to include the address, direction, and any other important contact information.MEMORIES COUNT AS VITAL RECORDS TOOEverything we've talked about so far related to legal or financial records. But what about your memorabilia? It is just as devastating (if not more so) to lose years worth of photographs and love letters as it is to have your important files destroyed. But you can take some preventative measures to protect your beloved memories, as well. If you are computer savvy, think about scanning your photos and storing them on a CD-ROM (which you put in your fire safe or safe deposit box). If you don't have access to that kind of technology, at least store your negatives (clearly labeled and organized chronologically or categorically) away someplace safe. In either instance, you can always have your photos reprinted if you need to.You can do the same thing with physical objects as well. Take PHOTOS of your most beloved possessions, copy your favorite correspondence, and stash them all away in your fire safe. You might even consider getting a fire safe big enough to hold some of your original memorabilia. I purchased a fire safe that looks like a 2-drawer file cabinet -- the top drawer holds my photo albums and the bottom drawer is for important paperwork. Just remember that photos and negatives are more sensitive to heat than paper -- you will want a different grade of "fire proof" for these items.acing a personal crisis is stressful enough, without the headaches of dealing with lost paperwork and missing information. But by taking a proactive stance, and a few preventative measures, you can save yourself and your loved ones a great deal of pain -- make the recovery process a lot quicker and easier.Ramona Creel is a Professional Organizer and the founder of OnlineOrganizing.com -- offering "a world of organizing solutions!" Visit http://www.onlineorganizing.com for organizing products, free tips, a speakers bureau -- and even get a referral for a Professional Organizer near you. And if you are interested in becoming a Professional Organizer, we have all the tools you need to succeed. If you would like to reprint this article, please send in an e-mail request to ramona@onlineorganizing.com
Keyword : organize, paper, files, vital records, documents, disaster, emergency, will, insurance, estate

Contesting a Will or a Trust. Can it Be Done?

Author : Phil Craig
First, we must ask, what is contesting a will or a trust? Basically, contesting a will or a trust means that you are challenging the validity of the will or trust document.It is similar to the flag that is thrown in a pro football game after a call by the referee.In this case, the will or trust is assumed valid by the probate court judge. You are throwing out the flag and contesting the validity of
the document in question.Contesting a will or trust usually rests on one or
two of the following factors: undue influence in executing the will
or trust, or that the person executing the will or trust lacked
mental capacity to execute the will or trust at the time it was
executed.What is undue influence in executing a will or trust?Here is the definition of undue influence:Undue Influence - Influence of another that destroys the freedom of a testator or donor and creates a ground for nullifying a will or invalidating a future gift. The exercise of undue influence is suggested by excessive insistence, superiority of will or mind, the relationship of the parties or pressure on the donor or testator by any other means to do what he is unable, practically, to refuse.So, if you can prove that the person who executed the will or trust was acting with undue influence, that is, was acting under pressure that was unable to refuse, you may have a basis to claim undue influence. This would give you one reason to contest a will or trust.The other method to contest a will or trust is that there was a lack of testamentary capacity.Testamentary capacity is the legal ability to make a will. In California,
for example, Probate Code Section 812 says, in part, that a person lacks the capacity to make a decision unless the person has the ability to commnicate verbally, or by any other means, the decision, and to understand and appreciate,
to the extent relevant, all of the following:(a) The rights, duties, and responsibilities created by, or
affected by the decision.(b) The probable consequences for the decision maker and, where
appropriate, the persons affected by the decision.(c) The significant risks, benefits, and reasonable alternatives
involved in the decision.So, here, to contest a will or trust due to lack or testamentary capacity, you would have to show all three elements.This is a tough case but is not impossible. In my early legal career, I was able to obtain a $1,000,000 plus settlement for a client using the above elements.You can find more information about wills or trusts: Click Here.Good luck and until next time,Phil CraigPhil Craig is a licensed attorney and entrepreneur.
He started practicing law at age 25 in 1979.
He does not take on any more clients, but is
advisor to some of the biggest names in the internet
world. He shares his knowledge gained over the
last 25 years at his Living Trust Secrets newsletter site:
click here: http://www.LivingTrustSecrets.com** Attn Ezine editors / Site owners **
Feel free to reprint this article in its entirety
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Keyword : contesting a will or trust, will contest, trust contest