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    The biology behind hair growth

     

    Nothing in life is as simple as it seems, so it should come as no surprise that the strand of hair that you found on your brush this morning is an amazingly complex part of your body. Hair begins appearing on the human body while it is still in the womb. By the time a developing fetus reaches 22 weeks old, there are already 5 million follicles on the body. Interestingly enough, that is all of the follicles that will ever develop regardless of how long we live. None will ever be added. Hair Anatomy Hair consists of a follicle, which is embedded in the skin, and the shaft of hair which appears on our body. The follicle itself consists of multiple layers with each layer having a specific function. The papilla lies at the base of the follicle. Capillaries are connected to the papilla and they supply blood to the cells which surround the bottom part of the hair strand called the bulb. Surrounding the follicle are two sheaths, inner and outer, which are designed to both protect the hair shaft from damage, and to help it grow out in the proper direction. The inner sheath runs next to the hair shaft and ends at the oil (sebaceous) gland. The outer sheath runs to the gland and ends at the erector pili muscle. This is the muscle that causes our hair to "stand on end" when it contracts. The hair shaft is comprised of three layers of dead protein cells called keratin. The innermost layer, known as the medulla, is not always present in every hair shaft. The second layer, known as the cortex, provides the bulk of the hair shaft. The hair color is mostly determined by the pigmentation contained in this layer. The outermost layer is called the cuticle. It is comprised of a series of overlapping cells. The hair's luster and sheen comes from the cuticle. How Hair Grows Scalp hair grows at an average rate of six inches per year, or only .3-.4 mm per day. There are three distinct stages of hair growth. - Catagen Phase This transitional phase runs about two to three weeks. At any given time approximately 3% of your hair is in this phase. There is no hair growth during this period while the out portion of the hair root sheath shrinks and attaches itself to the root. - Telogen Phase This phase, known as the "resting period" is experienced by approximately 15% of your hair. Telogen lasts for around 100 days for scalp hair and significantly longer for other body hair. - Anagen Phase This phase defines a period of activity where the hair cells are dividing and new hair growth occurs. This phase can last for as long as two to six years. Shorter growth periods are indicative of people who have trouble growing their hair long. Hair Growth Disorders There are two hair growth disorders that affect humans. Hirsutism is a condition affecting mostly females. It is defined as a condition where excessive thick and dark hair growth is experienced in areas typically reserved for males. These areas include the face, chest and the areolae or area surrounding the nipple. Hypertrichosis is a condition which causes excessive hair growth in areas of the body where visible hair is not normally present. Both of these conditions are treatable.



    Online The biology behind hair growth
         
    Carpet cleaning

     

    Carpet Cleaning Although vacuum cleaning can remove a majority of the dry soil, it is also necessary to clean your carpet on a frequent basis to remove the oily, sticky soil that builds up in the pile as a result of odors and dirt that is tracked in from outside. If you can clean the carpet before it becomes too bad, the cleaning chore will be easier to do and a lot more successful. There is a myth that is totally false, which states that cleaning the carpet before it is necessary will get it dirtier faster. The carpet with the typical household should be cleaned every 12 - 18 months depending on the number of people living there and the amount of traffic that walks on the carpet. The choice of the right vacuum is important as well. There are some vacuums that will leave residues behind, which will promote re-soiling and basically defeat the whole purpose of household cleaning. Professional carpet cleaners It is in your best interest to use professional cleaners simply because their experience will enable them to do a much better job than you can do yourself. The equipment they use has more extraction power than the units available to you, and the carpet will dry faster as well. They know the cleaning agents to use, and they know the differences in carpet construction and fibers. Doing it yourself If you have made the decision to rent a steam cleaning machine and do the job yourself, you should check on several systems before you make a selection. Most of the units available for rent don't clean well enough and may end up damaging your carpet. Therefore, you should always consider the following: - Several rental companies offer cleaning equipment that is similar to what the professionals use. The equipment should have enough vacuum power to allow the carpet to dry within 12 hours of cleaning. You should always avoid rental units found in retail and grocery stores that don't have the power to extract the cleaning solution from the carpet fast enough, as it can actually damage the carpet due to over wetting. - Make sure you avoid over wetting the carpet. Any prolonged dampness can lead to mildew growth and bacteria in the carpet, or cause a seperation of the backing. A wet carpet that stays this way for longer than 24 hours can develop problems. You can control this by using proper equipment and the right training. - Carpets that have stain resistant treatments have to be cleaned with products that are formulated for this very purpose, or the stain resistance will be impaired and the warranty will be voided. Never use cleaning or spotting solutions that contain bleaches as they can mess up the color of the carpet. - Never use any silicone based treatments on the carpet. - You can help to reduce the drying time by using several fans to move the air around the carpet. You can use a dehumidifier as well, as it will pull moisture from the air. Hot water extraction The hot water extraction system is highly recommended, as it considered to be one of the best methods for carpet cleaning. Also known as steam cleaning, the process consists of spraying a mixture of water and detergent into the pile and recovering the water and soil with a powerful vacuum that puts it into a holding tank. You can use a truck mounted unit or a portable self contained unit as well. This method is easily one of the best, and is ideal for soiled carpets or pet stains that you have yet to get out of the fibers. (word count 605)



    Online Carpet cleaning
         
    The celebrity fashion phenomenon what is so alluring about it

     

    The Celebrity Fashion Phenomenon: What is So Alluring About It? Do you have a favorite movie star or television star? If you do, have you ever wondered what their personal life was like? If you have, you are definitely not alone. In today’s society, it seems as if many individuals are interested in knowing the latest news or gossip surrounding today’s most popular stars. In addition to who is dating who, a focus is also placed on celebrity fashions. In fact, where are many out there who wish that they could dress and look like one of their favorite celebrities. While this feeling is quite common, it often leaves many others wondering why. When it comes to examining the celebrity fashion phenomenon it is actually difficult to come up with an answer as to why it is so popular. Different individuals like to look and dress like celebrities for different reasons, some of which are easier to explain than others. Just a few of the many reasons why the celebrity fashion phenomenon has gained such a following are touched on below. The thing about celebrities is that they are popular and well-known. In fact, many celebrities cannot even leave their homes with out being recognized and prodded for autographs by fans. While many celebrities wish that they could change this, there are many “everyday,” individuals who wish that they had their own fan following or wish that they were as popular. Although dressing a certain way or in a certain style of clothing isn’t necessarily guaranteed to make you more popular, there are many individuals out there who think that it does. These are often the individuals who regularly checkout the latest in celebrity fashion trends. Another one of the many reasons why the celebrity fashion phenomenon is continuing to increase in numbers is because celebrities are often well-known for their fashion choices. If you were to turn your television on to a fashion show or even just a news channel, read a fashion magazine, or visit an online celebrity gossip website, there is a good chance that you will find a celebrity being complimented in their good taste in clothing. Most “everyday,” individuals aren’t always complimented on their clothing or fashion accessories, although many wish that they were. That is one of the many reasons why many individuals try to keep up with celebrity fashions and copy them, in any way possible. Although there are some out there who view the celebrity fashion phenomenon as an unhealthy obsession, there is actually really nothing wrong with keeping up with the latest in celebrity fashions. What you need to remember though is that just because it looks good on a celebrity, it doesn’t necessarily mean that the same thing will look good on you. You should also keep price in mind. Many celebrities have unlimited financial resources; therefore, the cost of clothing and fashion accessories isn’t always an issue for them, but it may for you. Of course, you can dress like a celebrity if you want to, but you need to remember that celebrity fashions regularly change; therefore, there is no need for you to go broke trying to afford the “hottest,” trends that may only last for a few weeks. In short, the celebrity fashion phenomenon is one that regularly discussed by fashion experts, as well are product manufacturers and clothing designers. With the celebrity fashion phenomenon at its current state, it is not uncommon to find designers trying their best to get their latest fashions appearing on today’s hottest celebrities. Word Count 582



    Online The celebrity fashion phenomenon what is so alluring about it
         
    Wii sports cheats for nintendo wii

     

    The Wii Sports video game was developed and produced by Nintendo for the Wii video game console and was included as a with the Wii console for its launch in all territories except Japan. This video game is part of an ongoing series of games commonly referred to as the Wii Series. Wii Sports is a collection of five sports simulations. Players use the Wii Remote to mimic actions performed in real life sports, such as swinging a baseball bat, for example. The sports included are baseball, tennis, golf, bowling and boxing. Here are some of the Wii Sports cheat codes: Wii Sports Unlockable: Special Bowling Ball You must achieve pro level on the bowling game. Wii Sports Unlockable: Tennis court: At the warning screen after selecting characters, hold down 2. Wii Sports Hint - Barrier Strike For the 'Power Throws' training game in bowling, turn either left or right until there are four red bars pointing in the direction of your choice across the bowling line. This may not always work, especially with the big numbers of pins but this will almost always give you a strike. Feel free to experiment with different numbers of red bars across the bowling line since three and four almost always work for me. Wii Sports Hint - 91 Strike In the "Power Throws" training game for bowling, you might notice 2 red buttons at the end of the alley - 1 left and 1 right. When you get to the final bowl for 91 pins, you can bowl the ball along the top of the barrier on either side and hit this button. Move your Mii all the way to the left or right, and turn the aim 2 or 3 clicks towards the barrier. Let go of the ball at the highest point possible, with just a bit of spin to keep the ball on the barrier. If successful, you will hear a click, the screen will shake and all the pins will fall down. Wii Sports Mii Parade You can add more Miis in Parade and audiences. Use Wii Sports to do it: 1. Make about 10 Mii's. 2. Transfer those Mii's to your Wiimote. 3. Delete the Mii's that are transfered to the Wiimote out of the plaza. 4. Start up Wii Sports. 5 When given the option of which Mii to use during gameplay choose the option to get the Mii from the Wii Remote. 6. After viewing the Mii's on the Wiimote back out by using the B button. 7. Exit out of Wii Sports and back onto the Wii Menu. Now check the Mii parade and all 10 of the Miis that were on the Wiimote are in the parade. Now if you dont want the Miis on the Wiimote just delete them off. These Miis will now show up in all Wii Sports games that have an audience. Wii Sports Bowling Ball Color Change You can select your bowling ball color before you bowl by using the directional pad. When you reach the screen warning, 'Make sure nothing is around you', hit the A button and hold the D-pad (until the alley UI appears) to choose your color: UP = blue LEFT = red DOWN = green RIGHT = yellow



    Online Wii sports cheats for nintendo wii
         
    Hair loss solutions

     

    A common problem As it happens, we do not even notice when out hair starts to fall out and recede. Surprisingly, we lose and average of fifty to one hundred hairs daily. That is a lot but with recent scientific studies they have found many new hair loss solutions. There are three main ways to save your hair and as you read this article you will better understand everything you need to know about hair loss and how to prevent it. What is Hair Loss? What is hair loss? Well this is the point in time when your hair starts to shed. This will gradually start to daily. You lose hair but it is not noticeable at first unless you have long hair. The main reason that scientist think hair loss occurs is because your scalp needs to absorb more nutrients and some of your hair will need to move out of the way for it to do that. The other reason would be because your hair may start to die out, new hair is made to come in and replace it. Preventing Hair Loss One way to prevent hair loss would be to let nature do its job. Instead of using all that high-tech equipment and all those medicines and creams, you can allow your hair to grow naturally. By treating your hair right from the start your chances of keeping it in place rise dramatically. Who needs those fancy hair loss solutions? Speak to your doctor Speaking to your doctor or physician about what types of creams and pills or other hair loss solutions they recommend you use is a good idea. Since all of these items have been made for you to use for your hair, you can go out and buy them right? Wrong, even though your hair may grow back you may pick up different sicknesses from these items. In order for your hair to successfully grow back the pills or creams interfere with your hair growing hormones. If they possibly interfere with any other hormones, then you are in very big trouble. Treatments The other way to help with hair loss is to go in for laser treatment. The way this works is that the laser technician will remove hair from areas where there is a lot of it. The bad thing about this is that they only have the ability to take out two to four hairs at a time. After the hair is removed, the insertion of it into your scalp begins. That has got to hurt! Using needles to insert the hair is very time consuming and painful; good thing you are knocked out! These kinds of hair loss solutions cost a lot of money and can even be harmful. The rays of the laser are very strong and could damage your skin so you may want to research other hair loss solutions first. Now that you have learned about hair loss and different hair loss solutions you will hopefully make the right decision on how to restore your hair to its former glory. The saying "beauty takes pain" has come to a whole new level!



    Online Hair loss solutions
         
    Common aches and pains at a glance

     

    We try to do everything in this 21 century --- filling our lives with a dozen of activities that tax our bodies and emotions. Multi-tasking is the norm with organizing busy schedules at work, for family and for our social life has become a daily task. To stay and go on running in the rat race, you must be prepared to endure aches and pains all over your body as well as the lumps and swelling --- sure signs of overwork and stress. Here are the common aches and pains that you usually experience in everyday: ? Knee – Stiff and swollen joints make it difficult to do any bending. Pain in the knees are usually worse in the morning or after a long period of inactivity. Knee joints are often affected by arthritis. ? Shoulder - Any kind of overuse can stress the shoulder joint. Muscles can be strained and tendons can become inflamed. ? Hip - A pain at the top of your leg that you may usually the inner side of your thigh. Osteoarthritis of the hip is extremely common. It results from the deterioration of the cartilage covering the ends of the bones. ? Back – stiffness, muscle spasm and pain. Lower back pain is very common. You can get this from carrying or lifting heavy loads. ? Wrist - aching, numbness, burning, or tingling in your palm, wrist, fingers. Carpal tunnel syndrome commonly occurs during pregnancy, menapause or result of repetitive typing. ? Feet - tingling, burning, numbness or pain under the heel. Tarsal tunnel syndrome is the foot version of the carpal tunnel syndrome, it is common with people who are flat footed. Muscle pain can be caused by many conditions. The most commo is a “ strain” where the muscle is stretched beyond its maximum length resulting in injury. Muscle pain is most frequently related to tension or muscle injury any physically-demanding work. When muscle pain last beyond the expected healing time, it is then best to consult your doctor. Every now and then you might be having muscle cramps and if you are working for quite some time and it also involves some heavy work that you might be experiencing a sensation of your mucles making you so tired and there is a decreased in your muscular performance. The underlying cause of muscle fatigue can fall into two categories: central and local. 1. The central nervous systme – when your mind is telling your body (muscles) to shut down. 2. The local – is related to local factors that limit the ability to perform mucular work. Regular exercise can help restore proper muscle tone. A good physical therapist can teach you strentching, aerobic exercises to feel a lot better. You can also do it yourself by cycling, swimming and walking. Warm up before you do any kind oe exercising. Do some stretching. Drink lots of fluids before and after exercising. You can overcome muscle fatigue by dieting, getting adequate rest and taking supplements or nutritional stimulants such as caffeine. If you work in the same position most of the day like sitting infront of the computer, get up and do some stretching at least every hour. Taking some acetaminophen, aspirin or other non-sterioidal anti-inflammatory drugs can also be helpful in pain relief. Workouts in the gym to strengthen the back and shoulders can help restore a good balance.



    Online Common aches and pains at a glance
         
    The value of a shovel

     

    I grew up in Florida. I loved my childhood years, and not just because I lived three miles from the Gulf of Mexico. Rather, I loved my childhood because it was quite a normal childhood. I went to school and mostly hated it. I had a ton of friends that I loved to play with for hours and hours on end. My family was great and we made it to the beach as often as we could make time for it. My life seemed perfect, and I was quite sure that it would stay that way. I went to college in Florida and just assumed that I'd always live there. Life has a way of giving us reality checks however. I searched for jobs and found one in Minneapolis, Minneasota. I moved there ignorantly and quickly learned the value of a shovel. I'll be honest. The only shovel I had encountered prior to my move to Minneapolis was a small one that my siblings and I used to make sandle castles on the beach. It had snowed a few times during my growing up years, but never enough to warrant the use of a shovel. So my transition to Minneapolis went smoothly until October hit and the snow began falling. It began falling and didn't stop falling until nearly April. I was warned by a new friend to buy a shovel when the first snow fell so fortunately I was prepared with my tool of choice to battle the winter snows. I quickly learned the value of a shovel. I learned that a shovel has value because it does something very necessary when there is a pileup of snow or ice: it allows someone to remove that snow or ice and keep on living. I was thinking of the value of the shovel and about how a shovel is way more valuable to people in Minneapolis than it is to a resident of Florida. Most residents of Florida will never have use for a shovel, and therefore, they care little about whether they own a shovel or not. That is a crazy thing about life and about humans assign value. It seems like we assign value to people and things based on their purpose in our life and based on what they can do for us. Don't we? As much as we'd like to claim that we are fully altruistic, isn't it true that we only appreciate a shovel, a medical doctor or even our own mother only when we need that thing to come through for us and do something? I guess I learned a lot about myself and about the world upon moving to Minneapolis. I learned more than just how to use a shovel.



    Online The value of a shovel
         
    Inspirational thought for the day

     

    : Are you ready for your inspirational thought for the day? When you first read it, it may seem too simple. However, if you think about it for even a moment, you'll see that the implications are profound - and inspiring. This is t: "Whatever goals you have in your life, and no matter where you are start, someone has succeeded at something similar or even more difficult, starting with less than you have." There may be some of you out of the six billion on the planet for whom this doesn't apply. Perhaps some really want to do things that are far beyond anything a man or woman has ever done, so I apologize to the fifty of you. As for the rest of you, what do you want? Want a loving partner? Somebody less attractive, charming and intelligent than you is getting happily married somewhere today. Want to create a new food and successfully market it? You probably already have more resources than Harlan Sanders had when he started trying to sell his Kentucky Fried Chicken. Want a big beautiful home? Three or more people in your town have such a home after being poorer than you at some point in their lives. Is This An Inspirational Thought? Anthony Hopkin's character, in the movie "The Edge," says "What one man can do, another can do." He goes on to kill the bear that is stalking him. What if you aren't as strong, as rich, or as smart as others? Not all those who have done great things were always stronger, smarter and richer than you. Just like them, you can learn the right things, take the right actions and put in the effort. This is why this is an inspirational thought. See where some people started from, and you'll find yourself saying, "Hey! If he can do it, I can too." I told a guy he could save money to buy a home, and he claimed he just didn't have any extra to save. He forget that he already knew several people who were making less money than him and surviving just fine. If he lived like those people for a while, couldn't he bank the difference? (Just say yes - finding reasons why you can't do something is a terrible habit to encourage.) Would you like a date for this Friday? How? Here's a clue: An awkward young man asked a woman friend why he couldn't get a date. She asked if he had asked anyone out. After he thought about it for a moment he said, "No." "That's why," she told him. Better example: I know a jerk who always had a date - after asking twenty women a week out. These are lessons, aren't they? If a geek and a jerk can get a date, you can too, right? Colonel Sanders drove around in an old van living off his social security check as 900 restaurants told him they were not interested in his recipe. One eventually said yes, and he eventually made millions of dollars. Maybe this could inspire us to try something more than three times? People come here with little money and speaking little English and end up owning restaurants and stores. If you want to own a restaurant or store, find out how they do it. There are almost three million millionaires in the U. S. If you really want millions, read their stories, talk to them, and learn how to make money. Whatever you want to do, someone has done it, starting from a worse situation than yours. If they can do it, you can too. This is your inspirational thought for the day.



    Online Inspirational thought for the day
         
    Life insurance facts

     

    Life insurance guarantees payment of a given amount to the insured person’s beneficiaries when the policy owner dies. While many people, especially younger people, don’t necessarily want to take the time to think about something as abstract as dying, this form of insurance is particularly important for parents or other persons with dependents. The basic structure of most life insurance policies is relatively straight-forward: the policy owner pays a premium every month; upon the owner’s death, the insurer issues payment for the policy amount to the spouse, children, or other beneficiary(-ies) named in the policy. In practice, as with most forms of insurance, specific policies can be much more complicated than this fairly simple model. For example, the life insurance policy might have riders, or additional clauses, that pay off in the event of a terminal or critical illness or a permanent disability due to physical or mental causes. Also, there are different varieties of policies, including term life insurance, whole life coverage, universal coverage, and limited-pay policies. Understanding the difference between the different types of coverage and picking the appropriate one for your situation can be difficult, and professional advice may be necessary to ensure the correct policy is in place. Term Life Insurance covers the insured for a certain number of years, after which the coverage typically expires. Because the policy does not build any cash value, and because it is typically based on a low likelihood of death for the covered person, term insurance premiums are usually relatively low. However, the length of the term, the amount of coverage (and whether it stays constant or decreases over time), and the premium amount (again, fixed or adjustable over time), will all affect the premium amount. The lower premium is a primary advantage of term life insurance; a drawback is that, at the end of the term, the still-living insured receives no benefit from the coverage. Whole Life Insurance is permanent life insurance, which means the policy holder can withdraw money paid in or borrow against the cash value. Whole life has the advantage of a fixed annual premium and guaranteed death benefits. Premiums are much higher than term life policies at first, but over the life of the policy the two policy types roughly even out in terms of total cost. While whole life insurance does build value over time, it may not be as strong as other savings options in terms of the rate of returns. Also, dividends are not guaranteed with whole life. Universal life insurance is similar to whole life, but it offers more flexibility in premiums and may offer stronger returns over time. It also has a cash account and accrues interest. The variety of policies available is intimidating enough to many people. With dozens of optional riders available, and variations even within individual rider classes, competent professional help is definitely recommended when selecting life insurance. It should be noted that the life insurance policies offered by many employers, while an attractive benefit, are typically not adequate to meet the needs of the insured’s family in the event of an untimely death. The total amount of life insurance carried should be enough to pay off any mortgages, car payments, credit card debt, and any other major outstanding debt, leaving the survivors in a solid financial situation.



    Online Life insurance facts
         
    Infinit o introduces new offshore outsourcing solution

     

    Los Angeles, CA – Infinit Outsourcing (Infinit-O), a leading provider of outsourcing services announced today a new solution called Dedicated Operating Team or ‘DOT’s’ for small and medium sized businesses. Infinit-O is bringing something new to the outsourcing world, a hybrid outsourcing model specifically designed for small and medium sized companies. Infinit-O establishes and maintains ‘virtual employees’ in self-contained Dedicated Operating Teams (DOT’s) for clients. Clients have complete control of the day to day operations whilst Infinit-O’s team of experienced outsourcing experts implement not just the set up phase but also manage all the support functions such as HR, IT and Administration. This enables clients to quickly gain the advantages of running their own in-house offshore operations without the overheads and risks of doing it themselves. “Infinit-O understands that there are still companies who are skeptical in outsourcing parts of their business for valid reasons, therefore, we are giving these companies the liberty to manage their own virtual employees through DOT’s.” stated Manolo Aquino, Co-Founder of Infinit-O. “80% of companies realize the theoretical benefits of outsourcing but the major challenge today is how to develop the delivery capabilities in a controlled, scalable and cost-effective manner. Having a local partner in the offshore destination with over 20 years experience in complex outsourced solutions provides a level of comfort that allows them to quickly realize the full benefits of outsourcing in a cost efficient and controlled manner”, explained Richard Eldridge, Co-Founder of Infinit-O ABOUT INFINIT-O Infinit-O is a leading BPO company with offices in the US, UK and Philippines providing back office outsourcing solutions and knowledge process outsourcing (KPO) solutions in the financial services and healthcare sectors. The company delivers high quality outsourcing solutions with a highly motivated and experienced team, an ability to optimize business processes, access to cost effective and innovative technology, all delivered from highly secured work environment. For more information visit infinit-o



    Online Infinit o introduces new offshore outsourcing solution
         
    Invest in real estate with no money down

     

    Are you thinking of investing in real estate? But you do not have enough cash to do so. Here is a tip you can use as long as the property seller is willing to negotiate with you. To be fair, not every seller will be interested (or even understand) the concept outlined. Your best bet is to find a property that the owner has great interest in selling, whether because of moving, divorce or frustration with tenants. Actually, if you are currently renting and thinking about using this technique perhaps your landlord would be happy to help you out! There are a few variations that can be used depending on you and your seller. Do they want the market price or are they just eager to get out from the monthly payments - perhaps facing foreclosure? The simplest method is to take over their mortgage payments - called 'assuming' the mortgage. You will need to be approved by the original lender to assume the mortgage. If you cannot get approved for an assumable mortgage you may also try a 'subject to' assumption where you merely make payments while the property remains in the seller's name. You take over the original mortgage and create a second mortgage on the remaining cost of the house with the seller. Offer a high, interest-only payment for a short period of time - 2 or 3 years. Instead of having the money sit in a bank they can be collecting a high interest over 2 or 3 years with the remainder due in full at the end of the term. When the term ends you should be able to refinance the cost, or you can sell. Unless you hit a real bad market the value of the property should have risen in that time. Most mortgage lenders merely want to make a good investment. While your local bank may still shy away there are plenty of financial lenders that would love to make a deal. Financiers like real estate. The mortgage is usually based on 60-70% of the value of the property, so as long as they know they get their money back in the value of the property if you default, they don't care what kind of money you makeplete the deal with a second mortgage created with the seller. If you default they can still foreclose on the property and sell it, paying off the existing mortgage with the proceeds. Now you can see the whole picture. It is better that seller and buyer can work together. If they can't wait for a sale, you can still give them their asking price with a little flexibility on their part.



    Online Invest in real estate with no money down
         
    Take out the trash

     

    Is your head trash piling up? The term “head trash” came up during a conversation with a colleague and he used the phrase to describe the mental garbage that affects the performance of most sales people. Head trash is a collection of limiting thoughts or ideas that prevent you from taking specific action that will help you generate better results. Here are a few examples of how head trash can affect you. In a sales training workshop I conducted for a specialty retailer, several people stated that they didn’t bother trying to close any business before 11:00 AM because they “knew” that everyone who came into their store before that time was just comparing their price with one of their competitors located close by. A sales person in a manufacturing company told me that her customers would not pay full price for her products because a major competitor sold similar products for less money. As a result, she consistently offered her customers a discount even before they asked. Another sales rep confided that he believed that the lowest possible price was the only thing his customers wanted from him and his company. He had held this belief for so long that nothing could dissuade him from this line of thinking. Head trash can affect you in different ways. During a morning workout I caught myself thinking that I could not complete a particular exercise and this self-limiting thought prevented me from continuing. Yet, on most other days, I breezed through the workout with much less strain and effort. From a sales perspective, if you believe that a prospect will not be receptive to a new product, idea or solution, your ability to present that idea in a positive manner is greatly reduced. I have seen sales people talk to customers at great length and at the end of their conversation ask, “You don’t want to order this do you?” They have convinced themselves even before they ask for the sale that the customer will not be interested. The cause of head trash varies. Extreme fatigue from lack of sleep or illness is one common cause because your physical well-being contributes to a less-than-optimistic outlook or mindset. Another cause is associating with negative-minded people. I once worked with an individual who always saw the glass as half-empty instead of half-full and after even a brief conversation with him, I always felt drained and pessimistic. The most common cause of head trash is the experience you have had with a particular task or assignment. For example, you may be required to cold call to generate new leads and prospect. However, if your experience with cold calling has not been positive and you have failed to find qualified leads then picking up the telephone will be a grind and you certainly will not enjoy making the calls. And, when you do eventually pick up the telephone, your tone will not convey the desired message to your prospect. To achieve the results you deserve and are capable of it is essential that you dump your head trash. While this is easier said than done, applying a few techniques will help. First, focus on what you CAN do. With a positive outcome. Instead of thinking of the negative aspect of the task, concentrate on the best possible outcome. Let’s return to the cold calling example for a moment. If you put yourself into the mindset that making these calls will generate new business, or at the very least, that they will help you connect with new and interesting people, your willingness to invest in this task will dramatically improve. Next, take action immediately. Most people procrastinate when head trash invades their thinking and this prevents them from moving forward. However, taking one step or small action supersedes the desire to remain complacent. I believe it was Confucius who said, “A journey of a thousand miles begins with a single step.” I have learned from experience that making a difficult telephone call eliminates the need to procrastinate and stimulates my desire to take further action throughout the day. And, as I continue to take action, the trash that may have collected in my head is emptied. It is also important to associate with action-oriented people who support your goals and objectives. I start the week by talking to a good friend of mine every Monday morning. During our conversations we discuss the challenges from the previous week and explore options and ideas. I also belong to a Mastermind group and when we meet each month, we help each other look for new opportunities within our respective businesses. All of these conversations help eliminate my head trash and motivate me to try new approaches and apply different ideas. Take out your trash and watch the difference in your results. © 2008 Kelley Robertson, All rights reserved.



    Online Take out the trash
         
    Consolidate bills how you can reverse growing debt

     

    Unfortunately for many people, accumulating debt is a great deal easier than accumulating wealth. Credit card companies freely offer cards with high limits and even higher interest rates, and it becomes all too easy for you to utilize the card when it comes to making purchases. But if you are not making enough income to pay off these credit card purchases, the high interest rates can quickly turn your credit cards into piling debt. Credit cards can be great for you to have on hand for emergencies which are unseen and necessary, like tax fees and vehicle repairs, which means that it can be a real lifesaver for you to have a credit card on hand when an expense springs up from nowhere. Unfortunately, if you do not have the income to pay off the credit card debt that you accrued while paying off an unforeseen expense, you may find that the interest rate on your credit card is quickly turning your balance owed into a situation that you simply cannot manage. Sizable debt can be accrued very easily thanks to high interest rates and low minimum payments. And the fact that many people have a tendency to charge up credit cards without considering the fact that their income will not allow them to pay the charges off in time. Credit card companies are more than aware of the fact that most people will use their credit card or credit line for much more than simply unexpected emergencies and expenses. Nearly everybody will eventually use their credit cards for purchases that they do not really need to make, as there is no real reason to escape the urge to buy things that you do not immediately have to pay for. Unfortunately, credit card companies want you to spend this money, so that their interest rates can make them some serious money at your expense. This is where it becomes necessary to consolidate bills: if your debt is growing, and your income simply will not allow for you to repair it on your own. Consolidating your various bills into one simple loan is an intelligent choice, as it allows you to pay one monthly payment, rather than jugging several monthly payments for several different credit cards or loans. Because of your mounting credit card debt, it may not seem easy, or even possible for you to obtain a debt consolidation loan - But there are lenders out there who want to help you get back on track and to erase the debt that you have accrued and are drowning in. Why Consolidate Bills? If you consolidate all of your bills with a debt consolidation loan, you may have money left every month to save, or to spend on other things. If you consolidate all of your bills with a debt consolidation loan, you will no longer be required to worry about the debt collection agencies, and the late fees that are associated with mounting credit card debt. The debt consolidation loan will pay off all of your debt, so you only have to pay a single loan, rather than several debt collectors or credit companies. If you consolidate all of your bills with a debt consolidation loan, you will only have to worry about a single payment every month, instead of trying to keep track of several bills and many different payment amounts. Paying a single loan bill is a great deal easier than half a dozen credit card bills. How to Consolidate Bills? As mentioned before, there are lenders out there who want to help you get your life back on track. Weigh your options by speaking to many different lenders, to find out who will and will not finance you based on your current credit score. When you find a lender who will help you consolidate bills, make sure that the interest rate on the loan and the monthly payment are numbers that you can handle, so that you do not end up putting yourself into debt again by being unable to pay the debt consolidation loan off. Debt consolidation loan payments are typically low, and the terms of the loan are typically spread out so that you can pay your debt off over a long period of time without worrying about late fees or mounting interest rates. Luckily, since debt consolidation loan specialists are well versed in dealing with bad credit situations, it should not be too difficult at all to get yourself back on track.



    Online Consolidate bills how you can reverse growing debt
         
    Find out which websites bring you sales and refer the most visitors

     

    If you have a good website with excellent traffic, it is inevitable that people will try to link to you. Often, this can prove to be beneficial to your business since you get to advertise and spread work about your website without spending anything. But, what if random websites with dubious content and non-related niches link to you just for the sake of spreading their own link or getting crawled by search engine bots when someone searches for your website? Bad, right? It gets worse if by some mistake, a potential customer clicks on another website when looking for yours. As it is, taking the time to find out which websites refer visitors to yours and boost your sales is important. Below are several advantages you stand to gain by exerting this extra effort: Forging connections with reliable websites If you find a quality website linking to yours that is closely related to yours in subject but is not a close competitor, you may want to exchange links. In other words, after you have seen how great that site is and how it can help educate people more about your products or services, you can offer the owner of that website a place in your website by means of a link. For example, if you sell diet foods online like low-fat bars and organic sauces, you might want to consider linking up with that nutrition site that has linked to your website. Clearing up concepts without crowding your Web pages For those in engineering services, there are some terms which a person with no knowledge of engineering may find alien or unclear. You know how it is; people are turned off by websites that they do not understand. If you find that it is necessary to explain some concepts but find it difficult to find a place in your own website, you can exchange links with an engineering organization with a glossary of terms that has linked to yours. Giving thanks where it is due Great websites that are linked to yours can add value to your own website especially if they are closely related to the service or product you are offering. Instead of thinking of these random links as luck and dismiss them simply as freebies you cannot help but having, give thanks where it is due. Exchange links, offer to arrange a payment system (this is especially in order if that site brought tremendous amounts of sales and traffic to your website by reviewing one of your products), or if it is an ecommerce site selling items that can be great accessories to your products, try to review and drive traffic to it. Filtering unwanted referrers If you pride yourself in putting up an excellent website with great content, surely you would not want totally unrelated and even discrediting sites linking up to you. If you sell music merchandise like instruments and memorabilia, it is highly discrediting to be linked to a site that allows pirated music downloads. Enjoy these benefits and additional marketing power by joining internet marketing and affiliate networks like Click2Sell. EU. By doing these, you can control which affiliate advertise and link your websites while giving you power to ban, edit, and manage your settings. You control your website, it’s time to take control of those who link to it.



    Online Find out which websites bring you sales and refer the most visitors
         
    Who wants to get paid online survey

     

    You may be thinking that get paid online survey sounds too good to be true. It isn’t; this is a legitimate opportunity for those who want to work from the comfort of their home in their spare time. Learn how you can be paid for your opinions when you take an online survey. Are You Ready to be Rewarded? When you get paid online survey, you will be compensated for taking the time to fill out the survey you have been sent. Some companies reward their panelists with valuable merchandise and chances to win even more and others reward you with cash. For those who think that receiving merchandise isn’t worth it, go look on some of these companies’ websites to check out what they offer those who get paid online survey. There are MP3 players, computers, luggage sets and cell phones to name just a few of the things that you will be offered. Other companies award you points that you can redeem for cash when you have earned enough. Does this sound appealing to you? Who Get Paid Online Survey? Those who get paid online survey are usually people who stay at home or spend lots of time on their computers. This is the perfect opportunity for moms who want to be at home with the kids. You can work to get paid online survey anytime that is convenient for you. You can set your own hours and never have to commute to a job again. Computer geeks who spend lots of time on their computers are other perfect candidates to get paid online survey. They are busy visiting all kinds of websites and doesn’t it make sense that they get paid for what they are already doing? What Will I be Expected to Do? When you decide you are ready to get paid online survey, you will not be asked to do anything that can be construed as difficult. You will often be asked a few screening questions before you begin so that the company can get the opinions of the specific demographics they are seeking. Once you have been accepted into a survey, you simply answer the questions. That is all there is to it. It is a simple venture that anyone can do right from the comfort of their own home. How Can I Get Started Making Money? If you are ready to get paid online survey, you will have to do a little digging on the internet. You can locate many companies that are willing to pay you in goods and cash for your opinions. It is easy to get started and all it will cost you is your precious time. Once you sign up, you just check your email box each day to see what surveys are waiting for you. It is fun, fast and easy. Most people who get paid for filling out surveys online enjoy the work they do. They feel they are contributing to society by giving their opinions for the things that are sold to consumers. All a person needs is a computer and time, and with those things you can begin to make extra money at home answering some simple questions or watching a video of commercials that are set to be aired. Are you ready to get started; then let’s go!



    Online Who wants to get paid online survey
         
     
         
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