Oil paintings began in the Mediterranean during the era of the Greek and Roman civilizations. The Egyptians also used paint techniques that were rich in bees wax, pigments of such minerals as copper, iron and manganese oxides and tempera. While historians have noted that the Mediterranean civilizations of this time were aware of flax, walnut, poppy seed and other vegetable oils there is not definite proof that they were used in oil paintings of the time. The tempera these early oil painters used were organic mediums mixed as fluid with water and volatile oil additives. Italian artists of the next century used organic binding ingredients such as materials containing protein from whole eggs, animal glue or milk. From the Roman Empire's demise to the 15th century Renaissance era oil paintings and tempera painting became prevalent. In Greece and Italy olive oil was the preferred based for pigment mixture preparation although this made for a long drying period and great difficulty for human models. Theophilus, a German-born monk and oil painter in the 1100's dispensed with olive oil in his oil paintings. In Japan a substitute for oil paintings was perilla oil, applied after a lead application as early as the 8th century. During the 1300's the Italian Cennino Cennini created oil paintings that were a combination of tempera and several layers of light oil. Much later Leonardo DaVinci, who lived until 1519, created his own oil paintings concoction made by adding up to 10 percent bees wax to his oils and then boiling the combination. If you'd like to follow in the footsteps of these great painters there are some simple preparations and techniques before and during your creation of oil paintings. The first important technique is to dress for it, including gloves. Your tools include two containers, one with paint thinner, and the other with a combination of two parts thinner to one part walnut oil. Make sure you've made room in easy reach for your paint brushes, your palette and its knife, your containers, paint tubes and paint rags. Your palette should start out with only 2-3 paint colors. Generally you'll need cadmium red, cadmium yellow and ultramarine blue to start. Your palette knife is the oil paintings tool you use for the technique of mixing colors. Keep in mind that oil paints have a short blend life, so if you try to make a color change and it doesn't work right the first time quickly take a paint rag and wipe it off the canvas and start over. One of the advantages of oil paintings that make the correction technique so much easier is that they take nearly a full day to dry. So, you have lots of correction time. On the other hand, because oil paintings take so long to dry and excessively heavy coat can slow your painting process considerably. The brushes you use in your oil paintings must be cleaned well between each change of color. This technique is crucial. The first thing you do is remove as much of the paint as you can with the paint rag and then place the brush in the paint thinner. Swish the paint brush around in the thinner, and then dry it with the rag. You must wait 24 hours after your first complete oil paintings application before you start your second or the first application will smear.

Samsung cellular phone, a basic phone Cellular phones are now getting to be a necessity in this modern society. This is not how they foresee the cellular phone future some years back. Luckily, manufacturers are quick to recognize the booming cellular phone industry. Thus, they are able to answer the growing demands for this functional toy. Additionally, the introduction of various functional features for cellular phones by huge cellular phone companies makes cellular phones more a need to perform specialized tasks. Because of this, the use of a cellular phone is getting to be a requirement for business executives in going about their various tasks as they go about their business. However, not everybody needs these special functions, some only needs cellular phones for basic use like sending and receiving calls. If you do not require these high technology functions, buying a cellular phone for basic use may only be what is necessary. Some cellular phones are for basic use including Samsung cellular phones. It is more reasonable to buy basic cellular phone models if you do not need to play with your cellular phone and Samsung cellular phone may be what is the best for your. Samsung cellular phones are generally of good design. They have wide and clear display, which is beneficial especially for sending and receiving text messages. Samsung cellular phones have good battery life compared to other cellular phone units. As already mentioned, these cellular phones are good cellular phones for basic use. Samsung cellular phones have beautiful designs; you may be pleased to choose one among the various models that will fit your need. You will not despair buying a cellular phone from Samsung if you only require the basic features; beauty of the product is thus a bonus. However, if you are looking for functional cellular phones more than the basic sending and receiving calls and text messages, Samsung cellular phone is not the one for you. People who want to play and require so many functions and features will not enjoy a the cellular phone from Samsung. Some basic complaints encountered with Samsung cellular phone, which happens only to very few users, are choppy calls and scratchy and distorted volume generation. This only happens to very few users, and to ensure you will not experience this in a Samsung cellular phone, you may ask the recommendation of the friendly Samsung staff. Some who endeavor to find functionality in a Samsung cellular phone give it a nickname “very good yet slightly bad phone. It is very good because the designs are superb and the battery life is good. Slightly bad because some high-tech features fail in Samsung cellular phone, precisely it is a cellular phone for basic use. Do not expect Samsung cellular phone for other features rather than the basic ones, no picture transfer, no internet communication and some phone do not support blue tooth usage. Not a techy’s choice indeed. Some people who buy this phone feel that with the superb design, it should include additional feature and functionalities. The company is on its way to developing the phone you require, researches and product development are now on the drawing board. For some who could not wait, buying Samsung cellular phone is still a neat choice because the designs are upbeat and beautiful. The added bonus is that the battery life is longer than other cellular phones. Enjoy the basic functions and beautiful designs with Samsung cellular phones.

Plusieurs choix s'offrent а vous. Vous pouvez soit faire appelle а une sociйtй йvйnementielle qui se chargera alors de vous fournir les tables professionnelles de chaque jeux ainsi que leur croupiers ( ou croupiиres) formйs spйcialement pour vous. Oui mais voilа, reste la question du prix : environ 200 euros/ euros par table selon les organisateurs pour seulement 4 heures de plaisir. Quand vous savez qu’il faut au minimum 1 table pour le poker, 1 pour le Black jack, 1 pour la roulette et autre, les 4 heures de plaisir peuvent devenir un vйritable gouffre financier. L’autre option consiste а se procurer ces йlйments. L’avantage, c’est que l’йvиnement peut кtre renouvelй а tout moment et le plaisir du jeu durer autant que vous le souhaitez durant la soirйe. Ou se procurer les tables de jeux et cartes adйquates ? Vous pouvez vous procurez le site e. bay. fr, actuellement en vente pour 100 euros le set complet de salon. Actuellement 36 sets sont disponibles. Il comprend tous les jeux de cartes et de roulette, les jetons etc… Une excellente affaire. Sur Shopping. kelkoo. fr, un set de 3 jeux de tables tous feutrйs, 1 tableau tournant de roulette. Il comprend les jeux Roulette, de Blackjack et de dйs avec les rиgles du jeu. Ces jeux se jouent а l’aide de jetons de couleur. Son prix : 79 euros Sur Maximiles, une mallette comprenant tous les jeux tous les jeux de casino ainsi que tous les jeux de dйs et de cartes classiques. Elle inclut : 1 tapis de jeux d’йchec en velours, 1 tapis mousse double face velours (roulette + blackjack), 1 jeux de cartes, 5 dйs, 30 pions de jacquet, 32 piиces d’йchecs, 200 jetons en plastique, 1 roulette luxe, 1 plateau de jeu de jacquet. Son prix : 2860 maximiles. Et pour corser vos jeux et rester fidиle au principe du casino, multiplier vos jeux de cartes dans vos sabots !! Jusqu’а 4 jeux pour la Bataille et 6 jeux pour le Blackjack Pour embellir votre soirйe, n'hйsitez pas а concocter vous-mкme votre repas! La Pizza peut кtre de mise mais voici pour vous une recette sortie tout droit d'un des plus grand restaurant du cйlиbre Casino de Montrйal! En entrйe, offrez vous un des plats suivants : Bouquet de fines laitues et lйgumes confits, quelques chips et vinaigrette de vieux xйrиs ; Soupe de homard et son sabayon au safran ; Consommй de canard aurйolй de sa mousse cappuccino, raviole de cuisse et foie gras ; Gaspacho de fenouil et tomates, fondant de crabe aux nioras et lйgumes confits ; Cylindre de foie gras de canard confit, gelйe de vin doux aux cubes de pomme ; Duo de foie gras de canard, l’un froid en gelйe de vin doux, l’autre poкlй aux figues. Pour vos viandes : Magret de canard grillй et son jus tranchй d’huile d’olive, poкlй de pвtes fraоches au moыt de raison et viande des Grisons ; Filet de boeuf marinй а l’йchalote cuite au vin rouge rйduit, cassolette de pommes de terre nouvelles et tomates confites au thym, Longe d’agneau cuite en terre d’argile, coulis de tomates confites au jus et йpices, carrй rфti servi avec une mitonnйe de lйgumes. En Dessert: Palette de glaces et sorbets tout en "nuances" Moelleux au basilic et son coeur coulant au citron, sorbet aux framboises et sauce au pistou ; Gвteau chaud au chocolat et sa perle fondante а la vanille, glace aux pacanes et tire d'йrable. Alors, а vos fourneaux !!!

Debt settlement is good alternative to bankruptcy for many consumers struggling with high credit card debt. In most cases, consumers will hire a professional debt settlement company to work with their creditors to pay off their debt at a reduced amount. Fees often range from 15-25% of the amount saved. But do you need to pay a company to settle your debts? For most people, it is a good idea to hire a professional company. There are several reasons: 1 – The creditors usually take a professional more seriously 2 – These companies often have relationships with the creditors and will be able to get you a better deal 3 – While the process is not difficult, it does take time, effort, and patience. However, if you are ready to take on this task by yourself, here are a couple of tips to help you through the process: • Realize that settling a debt is like negotiating anything – you need to give something in order to get something. • Just because you feel that you are offering a good deal, does not mean the person you are negotiating with thinks the same way. So, you may have to make several offers before one is accepted. • Many people think that protecting their credit score is a key point – but the goal of debt settlement should be getting out of debt (why would the creditor give you a discount AND good credit? You can certainly try, but don’t be surprised if this part of the offer is not accepted). • In most cases you will need to pay in one lump sum, not payments (see the first point above). So you will need to have some money in reserve. • If you are not already behind on your payments, you will need to stop paying to gain leverage. After all, why would the creditors give you a discount if you are paying on time? Take this money and set it aside for your settlement payment. • Finally, be patient. Negotiations can take time. But the longer you can hold out, the better deal you will get. If this does not sound like something you can accomplish on your own, then you should seriously consider hiring a professional debt settlement company. Otherwise, get ready to roll up your sleeves, make a few phone calls (letters are not as effective), begin negotiating. And start making plans for using the money you save wisely, and avoid getting into credit card debt all over again!

: If you are behind on paying your debt, beside debt consolidation, there is another method to settle your debts with your creditors; this process is called Debt Settlement. Debt settlement or also know as debt negotiation, is a process of contacting your creditors and negotiating a lump sum to payoff you debts. Sometimes the negotiation is initiated by your creditors; they may send you a letter offering you with a settlement amount, most of time is less than 50% of you balance if you make the payment in full within 10 to 20 days. Debt settlement can be the most economical option for you to get rid of your debt. But there are some drawbacks. This article will review the negotiate terms to payoff your debt using the debt settlement method and alert your on the debt settlement drawbacks. How Negotiate Terms to Payoff Your Debt You can do this yourself (DIY), but if you think you are no confidence in getting it done, you can also hire a professional debt negotiator (also know as arbitrator) to do it for you. Debt settlement with amount 50% or less than your balance is a common practice in the market as the settlement in full. Debt settlement can save you the most money in interest and principal payment; but you need to have the money to make lump sum payoff of your debt. Thus, you need to determine your current financial affordability before choosing this option to payoff your debt. One thing you should keep in mind is because you are negotiating with your creditors to outcome an agreement to settle your debt with some reduced amount. Some creditors will report that remaining amount as "deficiency balance" to the credit bureaus as a negative item and it will be noted at your credit report and impact your credit scores. Hence, if you can arrange a deal with your creditors so that they will NOT report the deficiency balance then that will be your best course of action; if not, your credit will suffer for 7 years. Determining What You Can Afford First of all, you need to determine your affordability to get the money for lump sum payoff of your debt. The common ways of getting this money are through saving, tax refunds, home equity loan, second mortgage or refinance your existing house & etc. If you are planning to get the lump sum of money through a loan, you should analyze your ability to borrow the money and reviewing your repayment capability of your new loan, else you may drop into another debt trap later. You may get the service from a professional debt negotiator to set up a payment plan for you and negotiate with your creditors once you have saved the money for the settlement. Which debt to settle first? Usually the best debts to settle first are the ones which charge higher interest rates, and that will make the most dramatic change in your monthly budget. Choosing a professional debt negotiation service Debt negotiation services have more resources and knowledge to help you get the best payoff for your debt. Selecting a reputable debt negotiation agency is important for you to get the best service out of it. Develop your own list on the potential debt negotiation agencies and check them with the Better Business Bureau at bbb. org. We recommend ADNS (Attorney Debt Negotiation Solutions) Services for debt settlement services because they offer a free consultation with a financial analyst. Summary Debt settlement can be the economical ways to get rid of your debts. But you need to analyze your ability to borrow or access money, as well as reviewing your debts, and the monthly payments you could afford, to see if settlement is right for you.

Communication in earlier days - There was a time when during prehistoric times, people used to communicate in sign languages. Today most of us talk to each other through a short SMS. Times have changed. Have human beings changed? Have our basic desires changed? No! About the modern world - How to live in this modern world and still maintain close contact that touches the heart, while using latest technology? Every communication need not be heart to heart. A simple business mail needs to be precise and to the point. But what about our communication with our friends, and family? Even business needs communication that talks the language of heart. Look at the successful advertisements. You will find that the company is trying to touch the consumer hearts. Study any close business relationship, and you will find that the relationship has crossed the "to the point talk" of business and reached heart to heart talk between the buyer and the supplier. Communication for better relationships- For long lasting relationships and for living a satisfied life, we need to communicate with everyone we come across in the language that is dear to all of us. That is the language that touches the heart! How to do that? Can that be done? Writing and answering emails - Emails are the most popular and common method of communication in today's world. Most of us, who are otherwise not on our computer all the day, try to find some time to check our mails and answer them. Emails have become preferred method and a second habit, rather an essential part of a modern person. How do we talk to each other on emails? Some of us are very brief where as some others believe in writing long paragraphs to send a small message. It is same as our behavior in other areas of life. Those who believe in speaking less, write short answers and mails. Our habits carry themselves in our method of writing mails. But the habit of sending short mails is becoming more prevalent. Why brief mails ? Why it is that brief mails are becoming more common? Is it because most of us are finding no time to talk. We are always so busy and rushed that gone are the days when people used to sit down and write their text after deep thought. For a majority of young population, the main task is to finish answering all the mails as soon as possible. How does one talk heart to heart in such a life? This reflects our lifestyle in the modern world. Most of us want to achieve our goals as soon as possible. No one has the time to sit back and reflect. Life is becoming a prisoner of work. Even our ancestors used to work, but are we living a satisfied life such as they used to? The answer would be no. Brief writing habit is part of the deterioration in quality life. Emails - The cause of poor quality of life? Are emails one of the causes of deteriorating quality communication? This can be debated. But the ease of answering and the hurry to open another mail and answer propels us to finish our mails fast. The technology is making us do it. The response of computers is so quick that we work in an unknowing hurry. Is this not worth a thought? What can be done? We must try to live a satisfied and happy life. For that, we must communicate better. Our communication must be heart to heart, even when we are rushing through the day. That is little difficult but not impossible as it sounds. Sending ecards, and egreetings can help us in doing this to a great extent. A quick search on the net, and you will find a big resource of cards that talk the language of the heart. It may take a little more time, but will give us satisfaction at the end of the day.

How Pepper Spray Works Also referred to as an OC or capsicum spray, pepper spray is a very effective inflammatory agent that can easily irritate the eyes and result in pain, temporary blindness, and tears. Pepper spray is an organic based agent that comes from cayenne peppers. The spray will normally come in canister form, which his often times small enough to be carried in your pocket or in a woman’s purse. Once the spray is used it will immediately result in dilating of the capillaries in the eyes, resulting in temporary blindness, chocking, coughing, and tearing of the eyes. The spray will also cause an extremely intense burning on the skin and result in nausea. The mucous membranes will also begin to swell, making breathing very difficult. The spray is very painful, often resulting in the individual who was sprayed to double over and fall to the ground. It causes temporary incapacitation, due to the fact that the individual won’t be able to breathe or see properly. Although the spray is very effective with most, it may not have as much of an effect on individuals who are on drugs, drunk, or already hysterical. With these types of people, you may need to give them a couple of quick sprays to the face to get the right effect. The overall effect on the length of the spray will all depend on the strength of the pepper spray. Most pepper spray effects will last anywhere from thirty minutes to an hour. Often times the spray is used with controlling riots or in self defense situations. Pepper spray is very handy to have in violent assault situations, as a violent assault occurs every few seconds in the United States alone. Pepper spray is safer to use than guns or knives. It is also non lethal, although there have been rare cases where pepper spray has lead to death. In these cases however, there were medical conditions present that the spray aggravated – leading to death. Pepper spray is great to have around your home, or to carry with you at all times. If a burglar breaks into your home while you are there, you obviously want something to protect yourself with. A can of pepper spray is very effective, and can easily stop someone from attacking you. All it takes is a direct spray to the eyes. Although it is very effective to have with you, pepper spray is illegal to have in some countries, such as the United Kingdom. In the United States however, there are some areas that require you to have a license before you can legally carry pepper spray. Before you buy some pepper spray, you should always make sure that you can legally carry it in the area you live in. (word count 460)

: In recent years people have realized the importance of proper diet and exercise, and recent surveys show that over the last 20 years people are eating better and working out more often, resulting in people living longer, but people are still lacking in their understanding that their mental well being is just as important as their physical health. Today most people get on average 4 to 6 hours of exercise every day, and make sure that everything they put in their mouths is not filled with sugars or preservatives, but they pay no attention to their mental health, no vacations, not even the occasional long weekend, 60 hour weeks, taking work home with them and even working weekends. All of this for hopes of one day getting that big promotion. What good will it do you when your brain overloads and you have a breakdown in the office. In the end your physical health will suffer no matter how well you eat and how often you exercise. You will wind up with high blood pressure, stress and tension all of which raises the chances of you having a stroke or heart attack. In hopes of helping you avoid this I am providing you with the things I do to keep my mental health in tip top condition. My absolute favorite thing to do to refocus myself is to go for a long ride on my Harley. Nothing brings the world back into focus like riding free like the wind, there is no better forms of therapy as far as I am concerned. Another great way to relieve the stresses in your life and help put a sparkle in your mental health is a trip to the casinos. Most people go to the casinos and expect to go home a winner, I do not. I go to have a good time. I enjoy the skill required in blackjack or poker, or just like pressing my luck on the roulette wheel or slot machine. I also make sure not to take my credit cards with me to the casinos. Every week I put a few bucks on the side and when I have enough to go to the casino I go, and have a real good time. This way I can blow every penny I bring with me and know I am not hurting my self financially. Sometime I just like to sit at a poker table, blackjack table or roulette table and just make small bets. This may not be as exciting as risking large sums of money, but in the end I play longer, and I probably win more often. The best part is because I do not expect to win I am not disappointed when I don’t win, and on those occasions that I do win beside going home with more money I have a supper big smile on my face because the night was all that much better. Another reason why I love the casinos is how far they are from where I live so I can take my bike out in the morning have a good 3 hour drive to Atlantic City then at the end of the day I get to enjoy another 3 hours on my Harley, and if the weather is really bad I can either take my truck or just stay home and log on to one of the many online casinos available to choose from. I also enjoy watching an hour or 2 of television every night, some light sitcoms are a great way to lighten your minds load, and laughing out loud for 30 seconds every day is a great way to release stress. Video games are also great for stress release, if you are mad at your boss what better way to get it out of you then boxing, just imagine you are pounding on your boss and hope you don’t lose. I hope you try some of these methods or think of some of your own to help keep the stress down in your life and keep your mental health in as good of condition as the rest of you.

Did you know there is a new site that offers over 1000 free articles on internet marketing There is! Check out this new resource on MAKING MONEY ONLINE! Brand New Internet Marketing Articles! Over 1000 Free Articles on Making A Living Online!! A Tremendous FREE Resource to Help YOU Make Money Now! k The site has great information by many of the webs top marketers who share tips, tools and tactics on marketing businesses on the internet. There are many different topics covered including: 5 Things Every Internet Marketer Must Learn From Mail Order To Increase Their Profits Now! Understanding that the Internet is another vehicle for direct response marketing can potentially make you rich! It's true. Not many people actually 'get it'. Outsourcing Your Web Marketing The online world is constantly evolving. You may be thinking about outsourcing your Web promotion to an expert who is immersed in this world as their fulltime occupation, rather than trying to acquire this knowledge yourself, and cope with the pace of change in-house. I Want To Be An Online Marketer! Where do I start if I want to be an online marketer? Tough question, huh? There are lots of ways to begin your way on the bumpy journey. Just make sure you are aware that it WILL be a bumpy ride. When Internet Marketing Gurus Sell Their Souls If you're just getting started in Internet Marketing, you may be awed by the amount of "Internet Gurus" out there, each one making millions of dollars (or so they claim) and for some reason seem more than willing, for a fee, to teach you their biggest, most intimate secrets. Well, I believe in one thing - "If it sounds too good to be true, it most probably is!" While I have no doubt about the specialized skills and techniques used by these gurus, it can get a little too frustrating simply getting tangled and lost in all their hype, and find almost no value at the end of the day. A Powerful Selling Tool on the Net - 3 Factors To Apply The Internet is a powerful selling tool. Never before has it been easier to start a business, be able to reach out to literally millions of potential customers and make your business succeed. How to Start an Internet Business The first thing I must say is it's a mine field out there, and you must take time to look at what it is you are going to do in your business. If an affiliate program is your choice then make sure that it pays down 2 levels and is well established, and pays you a good commission for your work! There are a number of things to take into account at this point, what amount of time do you have to dedicate to your new online business! Why do I ask this question, because it's all too easy to jump at several opportunities when you only have the time to do justice to one. Who You Trust and Who You Dont! For the last couple weeks I have been running a 5-minute survey of marketing trends. Several hundred people have given their input. How to Explode Your Database Marketing And Back-End Sales To Increase Your Bottom Line Profits Set up multiple simultaneous marketing campaigns with database marketing automation email software that get results exploding your internet business marketing while growing multiple optin lists, prospects consistent follow, increasing Back End Sales, and bottom line profits. When you don't follow up your prospects or customers with additional information, you are allowing valuable customers and prospects to skip from your grasp, go to your competitors, and satisfied their needs, at the expense of what should have been you're your profits. Getting A Solid Internet Marketing Foundation As we look at building our online businesses, many of us acknowledge, early-on, that we don't know it all. Those who don't, are almost certain to fail because they often attempt to apply techniques that simply don't work online - to their online businesses. Top Ten Steps To Prepare Yourself for Online Marketing Still marketing through press releases, networking groups, and talks to groups? If these ways have brought you few clients or product sales, you may now be ready for your virtual marketing machine, the Internet! To get ready follow the following ten tips: 1. Buy an up-to-date computer with a 56k modem or more and Internet capability. Headlines Bring Sales--Where and How to Use Them - Part 1 Headlines are short vital statements to stimulate your potential customers and clients to take action. That means sales! Since you only have 10 seconds to attract your visitor or reader, create headlines to make ultimate sales. If you Sell a Product, Use Online Marketing, Part 1 When you offer your products via an email campaign to get people to visit your Web site, you reap many rewards-you create more profit, spend a lot less time promoting and marketing, and get to be known as the leader in your field. 1. If you Sell a Product, Use Online Marketing, Part 2 When you offer your products via an email campaign to get people to visit your Web site, or sell direct through email, you reap many rewards--you create more profit, spend a lot less time promoting and marketing, and get to be known as the leader in your field. 1. The Internet Marketing Pie: Slice It Up Right or Lose The number one concern for Internet sales is your marketing list -- in This is just a sample of some of the articles on the site! If you are new to running an online business or a seasoned professional there is helpful practical information you can use in your internet marketing efforts to increase your business profits and online presence The site can be found at freeinternetmarketingarticles. org

It is important that you understand how to increase your website traffic, but even more important is being able to read your website traffic statistics. Without understanding your website traffic statistics, you may be unaware of how little traffic you really are getting. It is vital that you know things such as how many visitors you are receiving, what time of the day you receive the most traffic and what things on your website seem to be the most popular. If you understand your website traffic statistics you will be able to do all of these things and more. By knowing your website traffic statistics you can determine where most of your traffic is coming from to help you know what keywords to optimize. This will in turn help you climb higher on the search engines thus generating higher traffic. Understanding your website traffic statistics will allow you to see what time of the day you’re receiving the most visitors at. Why is this important you may ask? Knowing this information allows you to know when you should change things on your website and when you should keep it the same. You don’t want to be making all kinds of changes while you’re having a rush. If you make changes to your website before the rush, returning visitors will notice the changes and be more apt to return again to see what else you have added. New content is important in continuously drawing visitors back for more. Another advantage to knowing your website traffic statistics and what time of the day is most crowded is you can put specials on at that time. Knowing when you will be receiving a rush allows you to put special offers and bonuses on for a few hours during the most crowded times. This will impress your visitors and create more return visitors with referrals as well. Knowing your website traffic statistics is important, but is much easier if you use a site stats program. Some of the more popular programs include Awstats, Webalizer, and Analog. The great thing about these programs is that they come free and are easily accessible right through your control panel, which is provided to you through your web host. They all have similar features that will help you find out things you may have never even thought of. If you want to create a successful website you have to know how to read your website traffic statistics. Knowing how many hits per day you receive and what keywords to optimize are vital parts to success. Using a site stats program to read your website traffic statistics makes it a lot easier and is extremely convenient. If you learn how to read your website traffic statistics you can learn secrets and tricks to help get your website higher on the search engines and generate more traffic.

Re-Financing with Shorter Loan Terms For some homeowners there is the possibility of making a sound re-financing decision even when interest rates are stagnant, the homeowner does not have a great amount of equity in the home and the homeowner’s credit score has not increased significantly. You might wonder how this is possible. It certainly isn’t an option for every homeowner but those who can afford to pay significantly more each month can yield huge financial benefits by refinancing their loan terms from 30 years to 15 years. The benefits which may result from this type of re-financing include a significant overall savings, the ability to gain equity quicker and the ability to repay the balance of the loan quicker. Higher Monthly Payments Increase Overall Savings Re-financing with shorter loan terms is definitely not an easy option but homeowners who have a large monthly cash flow or who receive a sizable promotion at work might be able to consider the possibility of re-financing by decreasing the loan terms from 30 years to 15 years. The result of this type of re-financing will be a significantly higher monthly payment which is not conventional but can be worthwhile if it meets the needs of the homeowner. In particular this type of re-financing option is a viable solution if the homeowner can afford the increase in monthly payments and has an overall goal of reducing the amount of interest they will pay over the course of the entire loan. Reducing the amount of interest is critical to the overall savings plan because the homeowner does not have the option of reducing their original debt but they can drastically reduce the amount of interest paid over the course of the loan. Consider two loans with a 5% interest rate. One loan is to be repaid over a period of 15 years while the other loan is to be repaid over a period of 30 years. It is clear that in this example, the homeowner with the 30 year mortgage will pay more during the course of the loan. Equity Gained Quicker Another major advantage to re-financing by reducing the loan terms from 30 years to 15 years is the ability to gain equity in the home at a significantly faster rate. The amount of the equity in the home is equal to the amount of the principal loan which has already been repaid by the homeowner. Under a conventional loan, the homeowner typically pays a combination of principal and interest with their monthly payments. The amount of the principal which is repaid on two mortgages for the same amount and with the same interest rate will be different if one loan is a 30 year term and the other is a 15 year term. The homeowner with the 15 year mortgage will be paying more of the principal each month and will therefore be accumulating more equity each month. Gaining equity in the home quicker is ideal because it gives the homeowner greater flexibility. The equity in the home can be used for a number of purposes including home improvement projects, travel, educational pursuits and small business ventures. Loan Repaid Quicker One advantage of shortening the loan terms, which cannot be denied by some homeowners, is the ability to repay the loan quicker by re-financing to shorten the loan terms from 30 years to 15 years. In this case the homeowner will have completely repaid the home loan a full 15 years earlier than they would have under the conventional loan. This is advantageous because it can enable the homeowners to enjoy living mortgage free a full 15 years earlier. Once the mortgage is fully repaid, the homeowner may be able to make significantly more sizable contributions to his retirement plan. Some homeowners may even be able to afford to retire once their mortgage is repaid in full. This ability can have a significant impact on the quality of life for the homeowner. Homeowners may find themselves with the financial means to travel, assist family in educational pursuits or invest in a small business. Word count 680

: Source: Times of India India is being considered as “the next big thing” in real estate with many Israeli companies lining up for major investments there, a media report here said. The latest addition to the growing list of possible investors in the Indian real estate sector is US tycoon Shaya Boymelgreen who recently bought Azorim Investment in Israel for USD 500 million from IDB Holding Corp Ltd. He is joining hands with Nochi Dankner, a prominent Israeli businessman who briefed him over the prospects in the Indian market, busines daily ‘Globes’ reported. The two entrepreneurs are in contact and considering a number of joint investments in India, the daily said adding that Azorim Investment CEO David Lev is due to visit India in a few days in this regard. Meanwhile, Big Shopping Centers (2004) Ltd has already set up an Indian subsidiary, Big India, with a local partner who owns 40 per cent of the joint venture, the report said. Big India bought two half-acre plots on which it plans to build commercial centres at an investment of USD 40 million. Another company, Elbit Medical Imaging Ltd. chairman Motti Zisser declared early this year that he planned to invest in India. The company plans to build three commercial centres in India, which will become an important component of the company’s real estate assets. “India now resembles the real estate market in Eastern Europe ten years ago. Elbit Medical accumulated great experience in Eastern Europe, and it sees India as an excellent business opportunity,” company sources told the business daily. Alony Hetz Property and Investments Ltd. controlling shareholder Natan Hetz also recently announced plans to invest USD 100 million with partners in Indian ventures. Gazit-Globe Ltd., controlled by chairman Chaim Katzman, and Ocif Investments and Development Ltd. controlled by Doron Aviv and Dafna Harlev, are also interested in investing in India, it added. This article is sponsored by: indiarealestateblog

So you have decided that you want to make a new e-book for you site and it’s business or service. This is an excellent idea, and can easily generate a large amount of profit if it is done right. Along with the usual preview chapters and index, you have the beef of the matter. Well have you ever considered exactly how you are going to package the whole deal, to make it look good enough to sell? If you want to go with something spicy and original, you can bet you are going to pay an arm and a leg for someone such as a designer to do it for you. This in turn eats at your products profits to begin with. What happens if you have no idea on how to even make an e-book cover? Do you know the coding? Do you know how to format it? If the answers are no, which no offence is more than likely, you will need some help. Why however would you want to pay a large sum of money to someone else to do it, if there is no guarantee of success with it? This is where the new generation software comes into play, not only can it be a snap to run, you will be up in no time with your e-book in hand ready for the market place. The fact remains true; there are a great many e-book cover software programs on the market. What you get with the program and the ease of use is what truly separates the good ones from the bad. It is true that you will get a poor product if you do not invest from the start; you get what you pay for. The best way to look at it is this way, if you spend a larger sum of money now and get a good product this product will sell. On that note if you make an e-book with a great title page, and can sell it for $45.99 online, within a couple of sales it is already paid for itself. Then you turn around and make another e-book at the same value, and you guessed it you are now in the black and have the profits to prove it. Another major benefit to this type of software is this, if your business has been floundering the last little while you have something else to fall back on. This is a very lucrative business, where some designers are charging up to $250.00 per cover page. One cover page made for someone else and the software is again paid for. This could easily be a turn around, or an extension to the business you already have. *****

You have finally found the used car of your dreams, it ran beautifully on the test drive and you want it. However don’t just sign on the dotted line without doing a little haggling first – it is expected! Consider the price the dealer is asking for the car as just a starting point on which the two of you will be able to come to some amicable agreement. In fact, all dealers will be more than ready to haggle and will expect you to do so. Some might even have added a little extra onto the price knowing that you are going to try bringing it down a little, so don’t disappoint them. Always make sure you go into the deal with all the information you need to haggle. Ensure that you have looked around at many different sources and know what price others are asking for a similar deal. The more confident and knowledgeable you sound about the car’s value, the more seriously the salesman will take you. Never be intimidated by the dealers patter. Don’t forget that this is what they do for a living, they haggle and barter and give the same patter everyday to their customers. If the sales person says that they can offer you a “special deal” but only if you sign on the bottom line today, then take this with a pinch of salt. This is nothing more than just a tactic to get you to buy today rather than give you time to walk away and think about it. When haggling over the price and you seem to get yourself a great deal - perhaps a deal which is too good to be true - then it could be. If this is the case then watch out for the dealer catching you with the trade-in price for your car. Many dealers will re-coup by under valuing on the price they will give for your car to make up for what they knocked off the one you are buying.

Recent news has the consumer population clamoring about whether or not the cars we drive are really safe. Forbes came out with an article on July 30, 2007 by Bengt Halvorson titled "Top 20 Most Dangerous Vehicles," that uncovered some unnerving facts about pickup trucks in general. According to the article, "Pickups as a class have the highest rate of fatality and serious injury," said Michael Dulberger, president of Informed for Life – a safety advocacy group. Sound familiar? A few years back, we heard the same complaint about SUVs. The uproar – and America's reluctance to give up their SUVs despite safety concerns – prompted SUV manufacturers to add safety features to Sport Utility Vehicles. Several pickup trucks, however, already have a leg up on the competition. Specifically, Isuzu's two high-performance pickup trucks: the i-290 and i-370. Both models offer a wide variety of safety features you might only expect to find on a Sport Utility. The first and perhaps most important, is the Electronic Traction Control option which also includes Automatic Locking Rear Differential. The feature helps provide more controlled acceleration on slippery surfaces and in severe weather conditions by reducing engine power to reduce wheel spin. Another features is the pickup's push-system that allows the driver to shift from 2-wheel-drive to 4-wheel drive on-the-fly. Anti-Lock Braking Systems are a must when it comes to safety and Isuzu's pickups offer 4-wheel anti-lock brakes to reduce wheel lockup on slippery surfaces when the need to brake hard arises. Daytime running lights and a tire pressure monitoring system also make Isuzu's pickups safer than many competitors. The pickups also sport Head-Curtain Side Impact Airbags and an automatic Airbag Suppression System in the event that an accident should occur. By comparison, here's a list of the pickup trucks that made the list of the Top 20 Most Dangerous: the Ford Ranger/Mazda B-Series which doesn't offer stability control, side airbags or curtain airbags; the Nissan Frontier (Extended Cab) ; and the Dodge Dakota 4-door pickup (side airbags and curtain airbags are optional). A few SUVs also made the list like the Nissan Xterra, and the remainder (as one might predict) was populated by very small economy cars such as the Saturn ION and Mazda3. While the trend is typically to make vehicles safer by adding both passive and active safety features, the reality is that certain cars tend to fare better in accidents than others. Small, lightweight cars are no match in a collision with an SUV even if they possess enhanced safety features. While pickup trucks tend to fare better than cars in SUV collisions, it's evident from the aforementioned study that many pickup truck manufacturers simply aren't adding valuable safety features to their pickup lines in the way they are on SUVs. Pickup truck enthusiasts shouldn't have to compromise safety to drive the vehicles they love. Demanding SUV safety features be added either as standard or optional to pickups is the first step. Purchasing pickups that have these features – like the Isuzu i-370 or i-290 – will entice others in the automotive industry to follow suit and soon, pickups will be as safe as SUVs.