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    Cisco ccna certification exam tutorial isdn details you must know

     

    : CCNA exam success depends partially on knowing the details of ISDN, and there are plenty of them! To help you review for your CCNA exam, here are a few ISDN details that you must know on exam day. (They help in the real world, too – and there are still plenty of ISDN networks out there! The Cisco-proprietary version of HDLC is the default encapsulation type for serial and ISDN interfaces. R2#show interface serial0 Serial0 is up, line protocol is up Hardware is HD64570 MTU 1500 bytes, BW 1544 Kbit, DLY 20000 usec, rely 255/255, load 1/255 Encapsulation HDLC, loopback not set, keepalive set (10 sec) While there’s only one D-channel in BRI, PRI (US) and PRI (EU), the bandwidth of that D-channel does vary from BRI to PRI. It’s 16 kbps in BRI and 64 kbps in both PRI versions. The global command isdn switch-type must be configured before you can even begin to have ISDN work. show isdn status will tell you whether or not you’ve done this correctly. R2#show isdn status **** No Global ISDN Switchtype currently defined **** ISDN BRI0 interface dsl 0, interface ISDN Switchtype = none Layer 1 Status: DEACTIVATED Layer 2 Status: Layer 2 NOT Activated Layer 3 Status: 0 Active Layer 3 Call(s) PAP allows passwords to be different; CHAP requires that they be the same. PAP requires the “ppp pap sent-username” interface-level command. CHAP has no equivalent command. Define interesting traffic with dialer-list and link that list to the interface with dialer-group. R2#conf t R2(config)#dialer-list 1 proto ip permit R2(config)#int bri0 R2(config-if)#dialer-group 1 The dialer idle-timeout value is expressed in seconds, not minutes. (Even IOS Help isn’t totally clear on this.) R2(config)#int bri0 R2(config-if)#dialer-group 1 R2(config-if)#dialer idle-timeout ? <1-2147483> Idle timeout before disconnecting a call R2(config-if)#dialer idle-timeout 120 Dialer map maps a remote IP address to a remote phone number. You never dial the local router’s phone number. dialer load-threshold requires the ppp multilink command to be configured, and the value of dialer load-threshold is expressed as a ratio of 255, NOT 100. For example, if you want the second b-channel to come up when the first reaches 50% of capacity, the value to express with dialer load-threshold would be 50% of 255 – which equals 127. R2(config)#int bri0 R2(config-if)#encap ppp R2(config-if)#ppp multilink R2(config-if)#dialer load-threshold ? <1-255> Load threshold to place another call Success on the CCNA exam depends on knowing the details. Keep studying, keep practicing on real Cisco routers and switches, keep a positive attitude, and you're on your way to CCNA exam success!



    Online Cisco ccna certification exam tutorial isdn details you must know
         
    Personal debt consolidation loan things to consider

     

    There are a few things to consider before you make the decision to apply for a personal debt consolidation loan. You’ll want to make sure that that is your best option for your financial situation. After reviewing your options, if you still find that a personal debt consolidation is the best means of regaining fiscal control and health, there will be a few things to consider about the loan itself. You’ll need to decide on a practical loan amount. You’ll want to study fees, terms and rates to get the best loan possible. The Right Option Taking on a loan when you are already in debt is a serious matter, even if it is done as a step towards helping you of debt. Therefore, it is best to be sure it is the option best for your situation. You may want to consider a debt consolidation program, which helps by negotiating lower interest rates with your creditors, allowing more of your monthly payment to be applied to the principle of the loan. These types of services are available for a fee, but many choose to try to negotiate with creditors concerning interest themselves. In some circumstances, however, a loan is the best option. There is value in simplifying your debts, particularly if feeling overwhelmed. It helps you to see the light at the end of the tunnel. Furthermore, in terms of interest, a loan may be the most practical route, particularly with high interest credit card debts. You may be able to negotiate a monthly payment amount that is more workable for you, which will increase your chance of being successful in paying it, each and every month. The Best Loan Once you’ve decided that a personal debt consolidation loan is your best option, there are a few more things to consider. First, you’ll want to consider the timing of the loan. Would waiting a little while give you enough time to pay off some of the smaller debts? That relates to another important choice – how much to borrow. The best bet is to borrow as little as possible. Paying the smaller debts will help to reduce your overall loan. Beware of lenders that encourage you to borrow more than you need or more than you should. That is a red flag, warning of a potentially unscrupulous lender. Do a bit of research to see what the common loan fees, rates, and terms are in your region for your particular financial situation. That will help you to avoid the predatory lenders that try to profit from other’s need or lack of experience. Taking the time to consider things well will help you at every stage of the personal debt consolidation loan process. If, indeed, a loan of this nature is the best way for you to achieve your financial goals, the time you invest in choosing the right lender will pay off in the best rates, terms and fees possible for your individual situation.



    Online Personal debt consolidation loan things to consider
         
    Major league surprises and disappointments at the quarter pole

     

    We're a little over a quarter of the way through the major league baseball season, and like every season, there have some been some great stories and some sad tales so far. With Barry Bonds finally catching the Babe in home runs, we can now focus on the teams and the pennant races. Detroit 'Stop' City The biggest surprise in all of baseball has to be the Detroit Tigers. Heading into Tuesday's games, Detroit has the best record in the majors at 30-14, one game ahead of the defending world champions, the Chicago White Sox. The Tigers were expected to improve under new manager Jim Leyland, but no one could have predicted this kind of success. Detroit will be in the race for the long haul because of their outstanding starting pitching. The Tigers’ staff is leading everyone with a 3.26 ERA and 1.20 WHIP. Veteran Kenny Rogers has led by example in his first year in Motown. He's headed towards another all-star birth, posting a 7-2 record with a 2.91 ERA. Rookie Justin Verlander has been outstanding, winning 6 of his 9 starts including a 5-hit shutout of Kansas City on Monday night. Fourth-year pro Nate Robertson is 4-2 with a 3.03 ERA, and 23-year-old Jeremy Bonderman, who was expected to be the club's ace coming into the season, has a 1.14 WHIP and is averaging 8 strikeouts per 9 innings. Angels Can't Get Out of the Infield No American League team has been more disappointing than the Los Angeles Angels. Mired in last place in the AL West, only the anemic Royals have a worse record than the Angels. Their offense has been pathetic. They are dead last in the majors with a .299 on-base percentage and last in the AL in slugging percentage. The only player hitting anywhere close to his average is Vladimir Guerrero. But the Angels have no one in the lineup to protect Guerrero, so teams have already started to pitch around the all-star outfielder. Los Angeles had a chance to acquire Manny Ramirez in the off-season, but decided the price tag was too high for the Red Sox slugger and went with unproven youngsters like Casey Kotchman, Robb Quinlan, and Dallas McPherson. They have combined for 2 HRs and 11 RBIs so far. Return of the Big Red Machine Over in the Senior Circuit, Cincinnati has gotten off to a Red-hot start. Cincinnati is hanging tight with St. Louis in the NL Central and would be the National League wild card representative if the season ended today. The Reds have belted the second most home runs in the National League behind only the Brewers. Adam Dunn leads the team with 16 big flys, trailing only Albert Pujols, who is in a league of his own. Dunn and fellow 26-year-old outfielder Austin Kearns are both slugging over .500 and with the return of Ken Griffey Jr. to the lineup, Cincinnati's offense should continue to put up impressive numbers all season. While the Reds' offense was expected to be good, not much was expected of the pitching. A March trade with the Red Sox changed all that, though. Cincinnati acquired Bronson Arroyo in the deal for outfielder Wily Mo Pena with the hopes that he would turn out to be the team's ace. Arroyo has not disappointed as he has an NL-leading 2.40 ERA and a 1.08 WHIP. He even blasted a home run in each of his first two starts. The rest of the Reds' staff has been average at best, however, and ultimately will be their downfall. The Loveable Losers In a position all too familiar to their long-suffering fans, the Chicago Cubs are struggling again. Like the Angels in the American League, the Cubs can point to their pitiful offensive output as the reason for their problems. Chicago is last in all of baseball with a .364 slugging percentage and their .301 on-base percentage ranks last in the NL. Injuries have decimated the Cubs. Star pitchers Kerry Wood and Mark Prior have been out all season with shoulder injuries. Wood just returned but was tagged for 3 home runs in 5 innings in a loss against the light-hitting Washington Nationals in his first start of the season last week. Prior has just started throwing off the mound in his rehab assignment and the club hopes he can return to the majors in early June. The other devastating injury to Chicago was to first baseman Derek Lee. Lee, who was a triple-crown contender last season, was off to another brilliant start batting .318 with 3 homers and 10 RBIs through 14 games. Lee is still in a cast after breaking his wrist and most likely won't be back until after the All-Star break. Even if the Cubs get all of their stars back from injury, don't bet on them making a run in the NL Central. They'll be too far back with not enough time left.



    Online Major league surprises and disappointments at the quarter pole
         
    Rustic teak furniture fabulous teak furniture for a rustic look for your home

     

    Rustic teak furniture that is designed specifically for the outdoors looks great and it is also exceedingly purposeful. The rustic touch definitely adds to the whole look of your teak outdoor furniture, thus helping you feeling closer to the nature and enjoying all the comforts of your home outdoors. Rustic teak furniture is the newest trend in the world of home decoration and in all probability, this rustic fashion is here to stay for years to come. Outdoor patio furniture is most commonly produced with teak wood, however, other types of wood such as pine and cedar might also be used. One major cause of concern while buying outdoor teak furniture is its ability to withstand adverse climatic conditions. The effects of these climatic conditions can be easily seen on the wood, coating, as well as on other parts of the furniture. Now a days, most outdoor furniture companies offer items that are waterproof and that age gracefully under the sun‘s rays. One fine technique for giving a face-lift to your home is to bring some texture into it. Decorating with a rustic style involves making use of the natural color and texture of construction materials like wood and metal. The rich texture that comes with rustic furniture adds more style, drama, and movement to your house. Wood rustic furniture also comes with charm. Since it is made of natural material, it easily blends and harmonizes with any room, style or setting. Teak furniture brings relaxation and serenity, making the house more warm and natural-looking. In today's marketplace, the term rustic furniture could mean a handcrafted piece or an imitation rustic piece. Usually these imitations are made up of particle wood products or strong plastic. If you wish to preserve the natural color of the wood, you may finish the furniture with waterproof finish. Many manufacturers also offer a variety of outdoor paint colors as well. Rustic wood furniture blends perfectly with your teak outdoor furniture adding a tinge of design and color to the environment. It seems so much more relaxing than patio furniture made from plastic, composite or other materials. Rustic teak furniture brings back the nostalgic memory of countryside living into your urban apartment or home. This will keep your home environment more in balance. It never goes out of style and easily harmonizes with any style as long as they are used in limited numbers. Elegant and comfortable furniture like Adirondack style chair, rocker chairs, benches and tables made out of rustic teak can provide artistic and lavish outlook to your backyard. So bring out your hidden creative ideas and put them into work. Make your house standout today!



    Online Rustic teak furniture fabulous teak furniture for a rustic look for your home
         
    Disaster planning for the hurricane season pure water for natural disasters

     

    The hurricane season will be upon us shortly and it is wise to begin preparations for all consequences associated with these catastrophic events. Timely and proper planning will avoid much of the stress resulting from hurricane damage and may well avoid injury and loss of life. The Hurricane Season Many people do not realize that the hurricane season is lengthy and spans the six month period from June 1 to December 1 each year. The frequency of major storms has been escalating recently in cycles that increase and decrease over 10 to 20 year periods. Most weather forecasters acknowledge that we are presently in a cycle of increased hurricane activity with the potential for as many as 15-17 named storms forecasted in 2006. Areas of Risk Hurricanes and tropical storms are a worldwide phenomenon. The storms affecting the United States and the Caribbean are called hurricanes while the storms in the Pacific are called typhoons and tropical storms in the Indian Ocean are designated tropical cyclones. Low lying coastal areas are at increased risk but inland areas as far as 200-300 miles can still suffer heavy damage. In the United States the coastal areas of the Southeast are at risk and all areas of the Caribbean Sea and Gulf of Mexico have historically seen extensive storm damage; areas as far north as Massachusetts and Rhode Island have suffered direct hurricane hits. In 2006, at least one major storm is forecasted to hit the Middle Atlantic and Northeast states. Hurricanes are Serious Events Anyone who has experienced a hurricane will attest to the fact that these are serious weather events. Hurricanes are ranked from category 1 (sustained winds in excess of 78mph) to category 5 (sustained winds in excess of 155mph); even a category 1 storm can create extensive damage. Damage from wind, flooding and storm surges can destroy buildings and cause widespread flood damage. By far the most serious cause of impairment however, is the storm surge created by wind pressure and wave action. Storm surges as high as 30 feet are not uncommon in major storms. In 2005 a category 3 storm (Katrina) destroyed a large portion of New Orleans and, notwithstanding substantial Federal Government aid, the area has yet to recover. In 2004 a deadly category 5 storm (Ivan) destroyed many of the homes and buildings on a number of islands in the Caribbean and the coastline of the Gulf of Mexico. Ivan was particularly dangerous with 24 hours of sustained winds of 165 mph and wind gusts recorded as high as 207mph. With a storm surge of over 20 feet, approximately 1/3 of a particular island was covered by water and disappeared from radar as the storm passed. Hurricanes generally result in at least some loss of life both at sea and on land even for relatively minor storms, however major storms can be much more devastating. At the turn of the twentieth century, an unnamed storm took the lives of between 6,000 to 10,000 people in Galveston, Texas. The worst recorded loss of life resulted from a tropical cyclone that hit East Pakistan (now Bangladesh) with over 200,000 lives lost. At a minimum, hurricanes result in the loss of water service, electrical power and communications for a period of time during and after the storm. Frequently, this period can extend for weeks and even months in some cases. Modern Technology is Good News Modern computer technology and forecasting techniques have increased the period of warning that allows preparation for the impact of the storm. These types of warnings allow preparation and even evacuation in the event of a powerful, threatening storm. For those who remain in place during a storm, advance preparation is required in order to survive the aftermath of the storm. This requires stockpiling of the proper supplies prior to the storm because demand for supplies immediately before a storm increases rapidly and shortages occur. Therefore, advance preparation is the key to survival success. A Three Step Disaster Plan In order to survive a hurricane disaster, proper planning is critical and takes enormous effort. In addition to assembling supplies as early as possible, a plan must be devised and also practiced. A simple but effective plan developed by The Harvard Medical School is as follows: 1) Collect disaster supplies The devastation incurred by Hurricane Katrina is graphic evidence of just how destructive natural disasters can be. Those affected are without electricity, water, domestic gas, telephone and even shelter. To be prepared, collect the following items and store them so that they will easily be found in the event of an emergency -- but not so easily that you end up depleting the supplies without realizing it. Some people store these items in a section of the basement or a closet that is used infrequently. Decide what will work best for you. Disaster-supply list -- Bottled water (1 gallon per person per day; three-day supply ideal) -- Cash (ATM and credit cards may not work or be accepted by businesses) -- Cellular phone (with non electrical charger, such as a car charger or AAA battery pack) -- Clothing and underwear -- Phone numbers of friends and family -- Important Documents (driver's license, passport, birth certificate, etc.) in a waterproof container -- Dust mask (one per person) -- Eating utensils (plastic or disposable) -- Emergency numbers: local, state and federal -- Financial inventory (a list of bank and investment accounts, mortgages and loans, including account numbers and location of original documents) -- First-aid kit (see "Your first-aid kit," below) -- Flashlight with extra batteries -- Food (canned goods and other nonperishable items that do not require cooking) -- Masking tape, duct tape -- Medical information (list of your medications, any chronic conditions and medical history) -- Medications (three-day supply of all daily medications) -- Paper towels, toilet paper and sanitary products -- Pet supplies and carrier (include food, water, leashes and records of shots) -- Plastic sheeting -- Radio (battery-operated) with extra batteries -- Scissors -- Sleeping bags or blankets (one per person) -- Toiletries (soap, toothpaste, toothbrush, etc.) -- Tools (can opener, knife, pliers; a Swiss army knife may suffice) -- Trash bags 2) Create a portable supply kit In case you have to evacuate your home, it is good to put the supplies you think you would need the most in a portable container. Some people try to fit all of the supplies listed above in a large rolling trashcan with a lid or a large rolling cooler. Another option is to store the items in several small coolers or boxes. Think about what supplies you need, what you can reasonably carry or store in your car, and how many people will be available to help you transport the supplies. 3) Develop and practice an emergency plan All the planning in the world will not do much good if you do not prepare ahead of time. Not only does this enable you to go through your plan while you are calm and thinking clearly, but it also enables you to modify it before you have to put it into action. -- Identify emergency evacuation routes and shelters in your community and near your workplace. -- Decide where family members should meet if you are separated in an emergency. -- Identify a backup location to meet at, in case the first location is impossible to reach. -- Identify a point-person in the family who will serve as the central contact to call in case of confusion. -- Choose an out-of-state friend or relative to serve as a backup contact, in the event that local lines are tied up or out of service. -- Provide every member of the family with a cellular phone or prepaid phone card to make sure they can make a call in the event of an emergency. -- Consider family members with special needs while making plans. (For example, who will help someone in a wheelchair?) Do not forget your pets, either. (For example, where can you leave pets if you have to evacuate to a hotel that does not allow them?) -- Practice the plan at least once per year. Source: Harvard Medical School (hms. harvard. edu) Water is Critical Of all the supplies listed the most critical by far is an adequate supply of drinking water. Everything else (including food) is secondary to water because the body needs a large and continuous supply of fresh water. After a hurricane, water service is interrupted for lengthy periods of time because of lack of power and the fact that existing water supplies are often polluted. Pure and fresh water is mandatory to ensure proper hydration and avoid disease spread through polluted water. Plan to collect and store water supplies that exceed the minimum and use the highest quality water possible. Ultra-pure distilled water can be stored for long periods because there are no minerals or bacteria in the water; supplies can be maintained almost indefinitely if stored in a cool dark place. Estimate supplies for more than your immediate needs because in times of emergency and hurricanes many people move to safer structures or higher ground, which may burden existing supplies of safer locations. Plan for the worst as your life and well being may be at stake



    Online Disaster planning for the hurricane season pure water for natural disasters
         
    Ten tips on how to get the best deal on car insurance

     

    By Joseph Ducat: With the high cost of gasoline nowadays, most new drivers think twice of getting car insurance. Driving without any car insurance is a very big risk. Most drivers might think that car insurance is way too expensive, but in the long run it may save you a lot of money. Take for instance this example, if you are in a car accident it may cost you thrice the amount you might have paid for a car insurance to cover for hospitalization and for buying yet another car. Plus without car insurance you will be paying police fines as well as paying for suspended licenses. A total of 47 states require some kind of insurance for your car. It would be wise to know the basic law covering car insurance. Here are ten tips you can refer to on how you can get the best deal on car insurance. 1. Know the different types of car insurance policy The first thing to know in buying car insurance is to understand the different policies they offer. Choose a policy or policies that would best suit your needs. Liability - This policy covers physical injuries and damages to property. This includes paying for hospitalization and other medical expenses. Damage to property includes vehicles and other tangible property that might have been damaged during the accident. Liability also includes expenses for court proceedings if the vehicular accident requires one. Collision – This policy covers any damages if your vehicle is crashed to another vehicle, lamp posts, house or any another objects. Comprehensive – This policy covers damages caused by natural disaster like flood, storm, hail or wind. This also includes damages by theft or vandalism. Medical Coverage – Medical expenses are covered by this policy not considering if the cause is a vehicular accident or not. Personal Injury Protection (PIP) – A personal insurance of the driver. This policy covers for medical expenses and treatment caused by an auto incident. Uninsured Motorist – If by chance you are hit by an uninsured driver, this policy covers the damages done to your vehicle. Underinsured Motorist – This policy will cover the remaining cost for repairing your damaged car if ever the incident is caused by an insured driver with inadequate liability insurance. Rental Reimbursement – In case of a damaged car due to a vehicular accident, this policy will give a daily allowance for rental fee. 2. Know your credit rating: In most states, credit rating has always been the number one factor affecting car insurance rates. Be sure you have a copy of you credit report and check its accuracy and immediately contest any erroneous information. 3. Motor Vehicle Report (MVR) You can get a copy of your Motor Vehicle Report in your respective Department of Driver Services or Department of Public Safety in your state. A three year record may cost you 5$ and a seven year record would cost you 7$. Like credit reports, verify that all information are correct. 4. Accident Reports You can get a copy of your Motor Vehicle Accident Report from the local police department. It may take around six weeks before you can receive the detailed report. You might need to pay a higher car insurance rate if you have reported accidents within the last eighteen months. 5. Scout for a good insurance package There are some insurance companies that are offering multi-vehicle discounts. You would get a lower rate if you have two or more vehicles that you want to get insured. Also, you can get a good deal from one company that packages all their insurance policies, including home and health insurance. 6. Check out various discounts Most insurance company offers a discount to drivers over 55 years of age. It always pays to be a good student; you can get a student discount if you have a3.0 point average or higher. 7. Obtain a Driving Safety Certificate It is common for car insurance companies to give certain discounts to those who finish a safety driving course with a very good standing. 8. Check the model of your car Insurance rates can be different from vehicle to vehicle. A fancy car will obviously have a higher rate than an older model. 9. Take advantage of added features Be sure you are receiving lower rates for safety and security features like antilock brakes and air bags. 10. How much are you willing to pay Choose the option where you can handle the down payment and the monthly paying schemepare other insurances’ prices before purchasing one. You can try calling a toll - free number (1-888-588-5111) where you can ask for car insurance assistance and compare rates. Having car insurance is like driving trouble-free. But, as always, being a responsible driver exceeds all effort in having a hassle-free life on the road. Never drink when you’re driving. Have a big respect for your life and that of others. Go get your car insured and be safe on the road!



    Online Ten tips on how to get the best deal on car insurance
         
    Internet marketing tool known as a blog

     

    This Internet Marketing tool known as a blog is changing the way we receive and view information on line. I am writing this document in my blog now. My blog is a Word Press Blog and it is pretty cool because within a few minutes, I purchased a domain and installed the blog on my server directed to the new domain. This is totally cool. People who read the posts in my blog can rate them and leave comments. I have noticed blogs becoming more popular than your standard basic websites. Search engines love blogs and every time someone leaves a comment it is looked at by the search engines as new and fresh content. You will notice that on the home page of my blog, there is even an opt in form for building my mailing list of subscribers for my newsletter. Wow. Is the blog idea a cool Internet Marketing Tool or what? You can comment, ask questions and participate in the conversation right on the blog and you can even opt in to my killer newsletter. This article will be submitted to the major article directories as well so if you are not reading it on my blog and would like to check it out there, check the link in my bio. The other cool thing about having a blog as an important Internet Marketing Tool is the fact that you can place links on your blog to direct traffic to other pages. I set up a blog under the domain poolbilliardssupplies dot com back on January 4th. I posted in the blog about 17 times over the following 30 days. The blog had over 11000 hits in that first month. I accidentally uninstalled that blog when installing a new one and lost all of the comments and feed back. I did have all of the posts however and I just finished getting them back on line yesterday. (Minor Set Back. LOL) This was a valuable lesson and I will not be clicking on uninstall again. The biggest draw back is that now my oldest post is in Feb. instead of January 4th. On a good note, I was checking my stats last night and I made money with Google AdSense, eBay affiliate program (Commission Junction) and Click Bank last week. There has been a large increase in percentage of income since I started posting to my blogs on a regular basis. Well I guess that’s about it for this post. To Your Success, Ted



    Online Internet marketing tool known as a blog
         
    Wedding loans making souls meet

     

    Guess which thing excites people the most. It’s the wedding of themselves or of their children or their relatives. It is a day which for most of the people comes once in their lives. Every one from the relatives to the parents to the bride and the groom look forward to this day. So this day should be treated with the holy respect that it deserves and celebrated in the same way as well. Weddings are usually an expensive affair it requires quite a healthy amount of money to be put in. sometimes it is not quite possible for everyone to have that amount of money at one moment in time. Also now days the parents paying for their children’s wedding is also not there. For people who find themselves in that condition wedding loans are ideal for them. Wedding loans are loans specifically designed for people who do not have enough money by themselves to go through a whole wedding process. They may require financial assistance in terms of loans and that is when wedding loans can help those people. Borrowers may take wedding loans for a number of reasons a few of them are: • For bride’s or groom’s dress • Decorations that take place • Honey moon of the couple • Financing the marriage and receptions • Other miscellaneous expenditures All these reasons can be quite expensive therefore it is not possible for everyone to afford it. That is where the wedding loans can help all those people who cannot afford it. For all those people who want wedding loans they can get these loans in two different forms i. e. a secured wedding loan or an unsecured wedding loan. Secured wedding loans can be availed when a borrower provides the creditor with a security. A security is something that a creditor can keep with him as a mortgage for the loan that he lends out. A security can be anything such as a borrower’s home his car or any other worthwhile asset. Another method of taking wedding loans if you do not have anything to serve as collateral is through an unsecured wedding loan by this way you do not have to serve anything as a security. These loans are ideal for everybody be it the tenants or homeowners. However you may be charged a little higher rate of interest for unsecured wedding loans. With the wedding loans the following advantages that you can avail are: • You can get a loan of up to Ј25000 • Wedding loans are certainly cheaper than paying all the money through your credit card. • You can get an easy repayment schedule and therefore the benefit of a lower interest rate to make you comfortable. • Since wedding dates in most cases are fixed wedding loans do tend to get approved quickly. Every body has to go through a wedding one day be it a person with good credit or a person with bad credit history. People like defaults or arrears. People with these profiles can also get wedding loans as well. All they need to do is to go through the same procedure as other people but just tell the lenders your profile and your credit score. On the basis of which you can get wedding loans. Any loan taken by bad credit people not only serves the purpose but provides an opportunity to improve his credit score. So all the people who are responsibly involved in a wedding but you do not have enough funds with you then wedding loans are ideal for you. You can take a wedding loan as a family member, as parents or even as part of the couple who are going to get married. It is the safest and the best form of drawing money for the wedding and can facilitate a perfect wedding.



    Online Wedding loans making souls meet
         
    9 Tips to building a relationship with your list

     

    Now you know that you need a list and have started to build one. The next step is to build the relationship that will make the list profitable. Below are 9 tips to help you get that process started. 1. Unsubscribes are good. The only way that you will not get unsubscribes to your list is to never send to them. Not everyone will like your personality or writing style. Those that don’t will never follow your recommendations so it is not a great loss when they unsubscribe. 2. Be yourself. Let your personality come through to your list. People will buy from you because they trust you. Try to be something you are not and it will come through to your list and you will never develop that trust. 3. Be informative. Make sure that you are supplying quality information to your list. Even if you are presenting a product for sale make sure that you are also supplying information. Create the problem and your product as a solution but also let your subscribers learn something about the topic even if they aren’t interested in the product. 4. Stay on topic. If your list is about desserts that should be the topic of your email. Now don’t send marketing tips to your dessert list or desserts to your marketing tips list. Yes, there may be a few that have interests in both (I am one and have both types of lists), but the person signed up for a specific topic and you are violating that trust you have worked so hard to create. 5. Only send one item per email unless it is a newsletter. Sending multiple items to your list can be extremely confusing to them and never get you the action you are looking to get. Make sure that you have a call to action in every email. Never leave your subscriber wondering what you wanted them to do. 6. Always have a reason This tends to go with number 5. Make sure that there is a reason for the email that you sent. If you have a purpose then people will tend to keep reading. If they have no idea what your reason is for your email then they will quickly stop reading all of your emails. 7. Track what works. Tracking is the only way you will know which of your emails works and which don’t. This will allow you to improve your emails to your list. Do remember that the only purpose of your email is to create the click through to a sales page. If it does that it is successful whether you sell a product or not. The sale of the product is dependent on the sales page. 8. Use contact information. You are building a relationship and that is based on trust. Let people know who you are and how to reach you. 9. Be responsive. If you receive an email from a subscriber answer it. That goes a long way to building the trust that is necessary to create a customer. People buy from those that they trust. These tips will go a long way towards helping you to build the relationship that is necessary to build a profitable list.



    Online 9 Tips to building a relationship with your list
         
    Say i do to understanding prenuptial agreements

     

    : What is a marriage? It's been called a blessing, a curse, an institution, and a 'ball and chain.' It's know as the 'ultimate bliss' and 'the 10th circle of Hell.' Sonnets, odes, songs, and mountains of books have been written about marriage. Relationship advice columnist Ann Landers once wrote, "Every marriage is happy. Its the living together afterward that's the challenge." Ann is right. Whatever else marriage may be, it's a gamble. It's also contract. So it has become increasingly common for people to enter into the bond of marriage with the caution formerly reserved for big business mergers. The Eyes of the Beholder From a religious perspective, marriage is a "holy union." From the state's perspective, marriage is a voluntary private agreement by a man and a woman to become husband and wife. And in the eyes of the judicial system, marriage is a binding contract with specific obligations under the law. And one day, that contract may need to be dissolved. That's why prenups were created. Marriage is an emotional and physical union, but it's also a financial union. A prenuptial agreement looks beyond the clear-and-present joy of two people in love. Instead of being 'caught up in the moment,' a prenup makes provisions for life's unexpected twists and turns. It's an important 'insurance policy' that protects both parties from an unknown future. If you have something that matters to you, it should be protected by a pre-nup. What Is A Prenuptial Agreement (Pre-Marital Agreement)? In essence, a prenuptial agreement is a legal document - a contract between the bride and groom - made before they wed. In most cases, it details what will happen to their individual and collective incomes and assets if a death, divorce, or separation occurs. Who Should Consider A Prenup A prenup is not a 'test' of love. It should not be seen as 'the easy way out' for people who aren't sure their marriage will last. Instead, a prenup may be looked upon as a security net, a safe place to fall just in case you do. Celebrities and millionaires wouldn't think of marrying without advice from their attorneys and a safety-ensuring prenup. But what about you? A prenup may be important for you if you... * Have valuable assets (a home, stocks and bonds, retirement account) * Own a business or are a shareholder in one * May receive a large inheritance * Have children from a previous marriage * Have elderly parents or loved ones who need financial assistance from you You may be surprised to learn that a prenup can protect your current assets and your future earnings. You should also strongly consider a prenup * If one of you is much wealthier than the other * If one of you will be supporting the other through college * If you are pursuing a potentially lucrative profession such as medicine * If you expect a dramatic increase in income because of professional success. What Should Be In a Pre-Nup All prenups include certain standard information. This includes the names of the parties, the date of marriage, purpose of the agreement, and a list of children from previous relationships. Beyond that, it details the terms of the agreement. In other words, the obligations of each party. The terms generally fall under major headings such as Property division Support obligations Household expenses Matrimonial home Business interests Other property Tax consequences Estate planning What Is Its Legal Validity Until recently, it was not uncommon for prenuptial agreements to be overturned by the courts. Many were struck down for their unreasonable terms or gross inequality. But in a landmark case decided in March 2004, the Supreme Court of Canada upheld a duly executed marriage contract, despite the fact that the terms were unfair. The court declared that while the terms of might questionable, the drafting of the agreement had met the legal requirements for a valid contract. This is a strong indicactor that the courts are reluctant to interfere in voluntary contracts made by two well-educated adults with legal representation. Despite the move towards upholding prenups, however, there remain unimpeachable reasons why a prenup may be invalidated. As a contract, a prenup may be invalidated for the same reason as any contract. Which is to say that it was entered into under duress, because of undue influence, fraud, unconscionability, fundamental breach, by mistake, and so on. Grounds for invalidation also include failure by a spouse to disclose fully his/her assets and debts at the time of signing. And finally, the agreement may also be thrown out if one spouse did not understand fully the nature and consequences of the prenup.



    Online Say i do to understanding prenuptial agreements
         
    4 Crucial things you need to do to build your list

     

    4 Crucial Things You Need To Do To Build your List Online marketing may have developed a sudden surge these past few years, but many in the know how have felt its rise even from way then. As more internet based businesses are put up, the need to develop new marketing skills and knowledge based on this new medium have arisen. More and more marketing strategies are being discovered and developed to cope with the changing face of business the business world. The demand for online marketing tips and strategies have drastically grown and a new form of business has been born, internet marketing strategies. While there are companies that are all too eager to help your site and business build a clientele for a fee, there also many ways that can spread the word about your sites subsistence in a more cost free way. One of this is Opt-in email marketing, also known as permission marketing. Opt-in marketing requires the permission of a willing customer to subscribe to your marketing materials, materials that take form in newsletters, catalogs and promotional mailings via e-mail. The more opt-in marketing mail is sent, the more chances there is to bag sales and more sales. To do this, you must build a list of all those who wants to subscribe to your opt-in marketing list. From your list, you will get your targeted customer, this is a good list since they already have shown interest in what you have to show and sell since they have willingly signed in for your list. These are the people who have liked what they have seen in your site and have decided they want to see more and maybe even purchase what ever product or service your company and site has to offer. Many people would think that building their lists would take hard work and a lot of time to build and collect names and addresses. This is not so, it takes a bit of patience and some strategies but in doing this list, you open your site and your business to a whole new world of target market. Take the effort to take your business to a new level, if traffic increase and good profits are what you want, an opt-in list will do wonders for your business venture. There are many sources and articles in the internet available for everyone to read and follow in building a list. Sometimes they may be confusing because there are so many and there different ways. Different groups of people would have different approaches in building an opt-in list, but no matter how diverse many methods are, there are always some crucial things to do to build your list. Here are four of them. 1) Put up a good web form in your site that immediately follows the end of your content. While some may say this is too soon to subscribe for a website visitors application, try to remember that your homepage should provide a quick good impression. If somehow a website visitor finds something that he or she doesn’t like and turns them off, they may just forget about signing up. A good web form for subscribing to an opt-in list is not hard to do. Just write a simple short statement about how they would like to see more and get updated about the site. Then there should be an area where they could put in their names and e-mail address. This web form will automatically save and send you the data’s inputted. As more people sign in, your list will be growing. 2) As mentioned in the first tip, make your homepage very, very impressive. You need to have well written articles and descriptions of your site. Depending on what your site is all about, you need to capture your website visitor’s fancy. Make your site useful and very easy to use. Do not expect everyone to be tech savvy. Invest in having good programming in your site, make your graphics beautiful but don’t over do it. Don’t waste your time making the homepage too overly large megabyte wise. Not all people have dedicated T1 connections, the faster your site gets loaded, the better. Go for a look that borders between simplicity and sophisticated knowledge. 3) Provide good service and products. A return customer is more likely to bring in more business. Even then and now, a satisfied customer will recommend a business always. Word of mouth and recommendations alone can rake in more business than an expensive ad. As your clientele roster grows so shall your list. With more members on the list, the more people will get to know about what you have new to offer. 4) Keep a clean and private list. Never lose the trust your customers have entrusted you. If you provide e-mails to others and they get spammed, many will probably unsubscribe to you. Remember, a good reputation will drive in more traffic and subscribers as well as strengthen the loyalty of your customers.



    Online 4 Crucial things you need to do to build your list
         
    Phishing scams a growing identity theft menace

     

    There is no doubt that identity theft is a growing problem and we should all try to educate ourselves to avoid being a victim of this often devastating crime. It seems that criminals are using increasingly ingenious methods to gain access to our private and valuable personal information and computer users must be aware of criminal information gathering techniques known as phishing. You may have heard about phishing scams in the news recently because so many have fallen prey to this clever methodology employed by tech savvy criminals. We are all busy in todays fast paced world and it's hard to keep up with every new threat and development so the purpose of this article is to describe what phishing is, and how you can avoid being a victim. Phishing attacks employ social engineering and technical subterfuge in the attempt to obtain an individual's personal identity data and financial account information. Social-engineering schemes use fraudulent e-mails which attempt to direct consumers to counterfeit websites, often perfectly replicating legitimate business sites to trick recipients into releasing financial data such as credit card numbers, account passwords, user names and social security numbers. Hijacking brand names of banks, online retailers and credit card companies, phishers regularly obtain this private data. Technical subterfuge schemes usually plant spyware and crimeware onto user computers to access personal data directly, most often utlizing Trojan keylogger spyware. What can we do to avoid such clever deceptions? First of all just knowing that the threat exists is very important and many victims report that they had never heard of phishing before becoming a victims. In addition there are several practical precautions we can all take to minimize our exposure to risk. 1. Be wary of any email containing urgent requests for financial information suggesting your immediate response is required, statements designed to upset and excite the respondent are often included to elicit a quick reply. These emails often demand user names and passwords as well as SSN's. Legitimate businesses never ask for confidential data via email and none of this information should ever be sent by email as security is severely compromised. 2. If you question the authenticity of an email don't use the links embedded in the email to access the company webpage, instead type the URL of the company in your browser to insure you are looking at the legitimate website. You can also phone the company to insure an email request is authentic and companies today are aware of phishing threats and will generally appreciate being informed of a potential problem. 3. Financial information should only be communicated through a secure website or by telephone and never by an email request. Secure websites always have the https:// preceding the web address rather than just in the browser address window. 4. Check your online accounts on a regular basis even if you have no transactions, dormant and little used accounts are common targets for online predators. Carefully review your credit card statements for unauthorized transactions and make sure your shred them if not retained for your records. 5. Make sure your browser is updated regularly with the latest security patches and you should also have an anti-spyware program installed and running at all times. Take these necessary precautions to avoid your exposure to the identity theft problem known as phishing.



    Online Phishing scams a growing identity theft menace
         
    How to choose the right golf bag

     

    Golf is an extremely relaxing sport loved by many. You can be any age, you can play with your friends or you can play alone. There is so much information around, on the internet, on videos and sport shows on how to perfect your game. But one of the strategies you probably have never thought of is how choosing your golf bag can be very important in how well you play your game, bet you have never heard that one before. With all the tips and tricks around that you have heard this may be a new one to you. You need to shop around and find that bag that is perfect for you. You will want to make sure that your bag meets all your needs and requirements. Foremost in your mind you should think about all your equipment and accessories, what you need to play your best game. Maybe you have some clubs that you don’t use all the time but there may come a day when you need that certain club, with the proper golf bag you should be able to carry everything with you that you may need to every game. You don’t want to have to face that tricky shot and be wishing that you could have had room for that that club you hardly ever use. Another important factor to keep in mind is being able to easily and comfortably be able to load up your bag and unload it without a lot of fuss. If you are struggling to get your things in and out of your bag then how can you expect to keep your full concentration on your game? Knowing where all your equipment and accessories are can keep your game running smoothly and may just give you the advantage that you need. Many people make the same mistake when shopping for a golf bag, they carry it around the store and say “Yes this feels good”. But we all know that when everything is placed in your golf bag that is when you need to be comfortable carrying it. So it’s no use lugging around an empty one in the store. Think about how long you carry your bag, do you walk with it around your shoulder or do you use a golf cart? If you are a player that carries his bag around a lot then comfort is a very big issue to consider when buying your next golf bag. Now that you know the importance of your golf bag and how to choose one, you should be ready to play your best game ever.



    Online How to choose the right golf bag
         
    Mortgage brokers make sure you pick the right one

     

    Mortgage brokers help people get financing for the purchase of a home. A mortgage broker is an independent agent who can quickly and easily check out many different financing options. A mortgage broker may be of great help to people with adverse credit since they know and understand the industry so well. It is possible to use more than one broker at a time. Using a mortgage broker comes with many advantages. A mortgage broker has connections in the industry and give your financial information to a variety of lenders. They can find the best deals possible easily. When using more than one mortgage broker you can search an even greater variety of lenders and really hone in on the best deal possible. Sometimes brokers are working for a lender. It is wise to be careful when dealing with a broker who is also a lender. This is because they are not likely to recommend you to other lenders and instead will only search their own lending institution. However, the benefit of this is that they will be able to find the best possible loan with their lender and for people with bad credit may even be able to find special financing. If you are going to use a broker that is also a lender then the best thing to do is use multiple brokers. When using multiple brokers it is a good idea not to enter into a contract with them. If you enter into a contract you may be obligated to take whatever deals they offer even if they are not the best you have found. The benefits of using a broker are great. However, if you have great credit then you probably do not need a lender to find the best mortgage rates. You can easily do that yourself instead of dragging yet another party into the mortgage process. If you have adverse credit, though, a broker may be able to find loans for your situation that otherwise you would never know about. They can use their knowledge and industry connections to find a lender who will happily help you finance your home purchase. Also you will find that a good broker will have access to a large number of specialist lenders that are not available directly to the general public. Such specialist lenders solely lend to people with credit problems or that can not prove their income. They have a wide variety of products available that cater of all levels of adverse credit, from light to heavy. Mortgage brokers can be found easily. You can find them in the phone book, online or ask lenders for referrals. Once you find a broker you will have to meet with them in some fashion to give them all your financial information and personal information. They will need to run your credit so they know exactly what financial situation you are in. The good thing is that they will retain all of this information and will likely transfer it to a lender if you choose to go with one they find, thus saving you a bit of time in the process.



    Online Mortgage brokers make sure you pick the right one
         
    A closer look at accounting program

     

    There was a time when small businesses, specially mom and pop stores could get away without keeping accounts of any sort. In fact, the only reason why they were classified as mom and pop stores were because the business was run in an unplanned manner. But with increasing number of people choose for small businesses and the entrepreneurial plan being foster by governments worldwide, these businesses have to come to represent a large part of the gross domestic produce of countries worldwide. This is where the need for complete accounting programs surfaced and that is why it has become a big issue for all businesses. There are various accounting programs prepared to provide to the needs of all type of businesses. While the smaller stores use separate accounting programs and smaller, single user license versions of the more popular accounting programs the larger stores need to use a complete set of accounting programs. Be that as it may, the fact remains that all businesses, large or small, need to use accounting programs of some kind in order to make more efficient their process and to comply with governmental regulations. One of the simplest accounting programs available in the market today is Microsoft Money. While most computers bought in the United States of America come pre loaded with this accounting program, it is applicable only for personal finance calculations or maybe small business needs. But as accounting programs go, it is fairly well designed to cater to the needs of smaller businesses. This explains its popularity in terms of number of users who use it as their primary accounting program. A slightly more evolved accounting program is something that has come to be recognized and sold as Tally. Like the name tells, this is an accounting program that provide to the needs of smaller businesses, where the accounting operation is primarily a function that tallies stock (either available or sold) with the cash available in the machines at the counter. That’s not all. An accounting program like Tally comes with a customizable order making it scalable for a variety of business operations. Therefore smaller businesses even in the services sector are able to use it to make more efficient their processes. Today, the wide arrays of accounting programs available in the market make it easier for businesses not only to organize themselves, but also to obey with local, national and international requirements. Every business thus can adopt and organize the best practices that make globalization helpful to every one.



    Online A closer look at accounting program
         
     
         
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