Avoid Burnout as a Dental Assistant Having a career as a Dental Assistant can be very rewarding. It can also be stressful and overwhelming at times. Working with people can get the best of us from time to time. Being a Dental Assistant requires ongoing dedication and energy. If you find yourself becoming physically and emotionally drained due to your work responsibilities as a Dental Assistant, you may be on your way to experiencing a burnout. Often, stress and burnout are confused. Stress is also the result of the work environment. However, it is the result of periodic issues and complications in the work place. It might be having a bad day now and then. Burnout is a constant, ongoing feeling of not being adequate in your job on a daily basis. You may not longer take pride or interest in your position as a Dental Assistant. Burnout results in feelings of hopelessness and resentment. If left untreated, it can escalate to depression. Dental Assistants who experience burnout often feel unappreciated, overworked, feel they have too much to accomplish in limited time, and begin to resent their level of responsibility. Placing unrealistic expectations on yourself is also a factor in burnout. Burnout generally runs in stages. You go from feeling excited about your job as a Dental Assistant to forcing yourself to go to work each morning. Most people aren’t even sure what is wrong at this point. However, you will begin to experience exhaustion that leads to irritability. Burnout often has symptoms including headaches, changes in appetite, and high blood pressure. During phases of burnout, your relationships both outside of work and at work are going to suffer. If you feel you may be suffering from burnout, talk with your supervisor. You can find support in your co-workers. You might consider attending a few counseling sessions to help you develop an action plan. To avoid and eliminate burnout in the Dental Assistant field, you must meet your physical and emotional needs. Too often we spread ourselves too thin. We focus on the needs of out patients, our employer, and our family. While this is great, it is important to remember your own needs. Eventually not taking care of them will result in your inability to care for the needs of anyone else. Meet your physical needs by having regular checkups, getting enough sleep, and eating right. Exercise is a very important part of feeling good physically. To keep yourself feeling good mentally, use your coping skills. Know what triggers your negative feelings and keep them in check. Keep realistic goals and demands on your body and your time. Don’t beat yourself up if you didn’t accomplish everything you set out to do that day. Instead, focus on what you did accomplish. Learn to manage your time. It is OK to say know if you already feel over extended. Focusing on your social needs is also important. Nurture your relationships with your spouse, children, and close friends. Stay involved in Church and community organizations that are of interest to you. If you are unhappy with your job as a Dental Assistant, talk to your employer about help to remedy the situation. Improving your communication skills with others will also improve your over all health. Dental Assistants generally enjoy their career choice and put forth their best effort everyday. However, burnout is very common in the dental field. Knowing what causes burnout, they signs and symptoms, and effective ways to manage it will make you be able to focus on your job again. Improving your physical, mental, and social health will soon having you going to work with enthusiasm and a thirst for knowledge in the dental field soon. If your feelings don’t change, you will want to discuss the situation further. It may be depression that needs to be treated instead of burnout. Realistically, some Dental Assistants realize at this time they need a career change. Word Count 656
When it comes to selection of a domain name, people are often inundated with several questions. One of the most important of them is which extension should I choose - dot-com or dot-net or dot-biz? There are circumstances when you will think it is fit to register more than one extension. This article is aimed at helping you to make the right decision. A common problem is that people usually type in all the time on net and land up on various other sites. This could be troublesome both for the business and the customer. When you select a domain name, you are always given a list of different extensions to choose from. These extensions can help specify the type of products or services you are offering online or your geographical location. To begin this article, I am giving some basic definitions of the extensions you can choose from: *.com signifies "commercial". It is the most well-known extension and preferred by all commercial enterprises. The acute scarcity of unforgettable domain names has led to creation of several other extensions. *.net signifies “network". It is generally used by internet service providers, web hosting companies, or other firms related to network or internet services. *.org signifies "organization". It is commonly used by non-commercial web sites. But, at present, many businesses register their matching. org extension to their domain names. *.biz signifies “business”. It is used for business web sites. There are more chances of you getting this extension because of its low current penetration. *.info signifies “information”. It is generally used for information sharing web sites. This too like. biz is gradually growing in popularity and there is more likelihood of you getting it. Your first aim should be to get a perfect domain name for your business. Once you have done that you should then consider registering other extensions for the same domain name. It is up to you to decide which extensions are most relevant for your business. It depends a lot on your customer base, range of products/services, and also your brand image. You should always use domain forwarding service to redirect visitors from your other domains to your primary domain. This is quite essential since visitors may get confused about your web site address and may reach your competitor’s web site. For example, you domain name is home-appliances. net and your potential customers may reach home-appliances, which is your competitor. Prevention is always better than cure. So, instead of buying a rival domain name from someone (at a high cost), it is always preferable to register that domain name yourself (at a low cost). We find that name protection and greater coverage are the two key forces driving the need for registering more than one domain name. The accessibility of the site increases by registering more than one extension for a domain name. There are other advantages of multiple domain name registration. It helps in creating a demand for similar domain names due to people realizing that so many domain names are available related to the primary one. But some observers in the industry have a different viewpoint. They think that having more than one domain extension is very confusing for the visitors to these sites. In conclusion, I would like to say that your primary target should be and thereafter, find out the relevant extensions for your business and try to register them also. I recommend you to register all relevant extensions so as to guarantee maximum coverage and minimum misguided competition.
I am sure that most people realise that there are many benefits of exercising on a regular basis, most of these people however still choose not do so. This article gives information on how our health can benefit from this exercise which hopefully will encourage more people to start. I am one of the many people who basically finds it hard to gain any inspiration to exercise. I have over the past couple of years started a fitness routine and have not only enjoyed it(to my surprise) but have never felt so healthy. It is a strange situation, the thought of starting the exercise is like a choir, but afterwards I feel brilliant. Despite this, I then find it hard to begin to exercise again on the next day. It is weird! The benefits of exercise: Helps to lower levels of stress Helps to improve posture Helps people to sleep Helps you to gain stronger muscles Increases heart and lung efficiency Lowers the risk of heart disease and lung disease Helps overall circulation Helps to reduce blood pressure Helps people to lose weight Helps to reduce depression Helps to reduce cholesterol levels Helps to reduce symptoms of arthritis As you can see in the above the list, there are many reasons as to why people should start to exercise. These are only a few out of many health benefits I could mention. On a personal front, I have found that by exercising on most days, helps me to manage my stress levels. I am by nature a person who is quite anxious and even paranoid, exercising helps me to manage this negative part of my brain and helps me to see things in a much clearer way. I am also somebody who basically loves food. This exercise is a great way of keeping my weight down, a form of diet which lets me eat exactly what I want. Depression has been a regular feature of my life, however since starting my fitness regime, I do not think I have been depressed once. Even though the thought of this exercise does not exactly fill me with joy, I will continue to force myself to do it as the benefits are huge. I would strongly advise other people to also start exercising. I hope that they find it as rewarding and beneficial as I have.
Copyright 2006 Karen Fusco You know them. They always have the perfect gift for every occasion. Their presents are personal, thoughtful and put everyone else's to shame. They are perfectly organized and show up looking fabulous. It drives you mad! Don't get mad. Get even. Be a diva yourself. Your gift can be the most fabulous one there. By following these four simple steps to save you time and stress, you can spend more time fulfilling your inner diva. Step 1: Pay Attention. The key to a successful present is listening. People will tell you want they want and need. Your mom may mention that she's cold when she goes to bed. Your boss may brag about his fabulous golf swing. Your best friend may lament over her calloused feet. Whatever it is, listen to the little comments people make. Each comment presents a great opportunity for a future perfect gift! Step 2: Guide Yourself to Victory. Now that you've developed diva-like listening and observation skills, take note of what you've learned! Create a gift giving guide for all the people in your life. Include their hobbies, interests, personal milestones and upcoming events. Mark down their personal important dates to remember -- birthday, anniversary, etc. This guide will provide you with a list of great ideas and inspiring thoughts when you need to buy a present. Step 3: Mark Your Calendar. Who hasn't nearly forgotten an important event and been left scrambling to find a present? Avoid last minute panic by noting important dates and events in your calendar. Check out your gift giving guide and transfer the important dates to your calendar at the beginning of each new year. At the start of each month look to see upcoming events so you can plan accordingly. Or, keep up with the times and sign up for a free email reminder service that alerts you when the occasion is approaching. You won't be stuck gift-less again! Step 4: Celebrate! To add an additional incentive for you to be more organized, reward yourself when a gift is a big hit. Know that you've done welll and made someone happy with your choice. Whether simply recognizing your good work or buying yourself something special, you'll find you enjoy gift giving much more when you get a treat in the process! Who would have thought that organizational skills would have been so diva-licious? But if you plan ahead, you can spend more time being your fabulous self! And that's time well spent.
Not all of us are "do-it-yourselfers". And not all of us have the money to finance on classy furniture. However, each one of us can use some imagination to bring out the beauty even from the most shabby and old looking objects we can find around us. So what one can really do is to think creatively. To use things in some ways they were not intended to. Or to buy relatively cheap items which when enhanced can really take their effects in beautifying your home. Here are some home decoration tips that can benefit you in a fashion that you would save considerable money: Take that freshness from your house and start by thorough clean up. This technique is sure a simple method yet when used, your house will take a new sight again. Also, consider your lightning. Often, poor lightning spoils the loveliness of the house (even if your furniture cost lots of dollars to produce). Add interest to your room by using splashes of colors. These don't always have to match your household furnishings but be sure that colors are in good combinations. Change the looks of your house with gallons of paints. Paints can be applied in every corner and every wall of the house. For flooring, paints had been used for a number of years now to hide imperfections, scratches and the likes. You can make a good deal of use from them if you applied your floor with paints and patterns. Too few people may have knowledge of this but did you know that wallpapers (not the vinyl type) could do great for your floor? Paste them with wallpaper glue and coat with around 5 layers of polyurethane. Looks amazing and will hold up well for years. Plus, the savings that it guarantees. Paint can also work well with metal and wood furniture. Yet keep in mind a plan that will balance painted walls and floor with your household items. (Unless, you would want to make a circus tent out of your home.) The trick here is to limit your choice of color with only two to three palettes ( a deep one and a light one may do!). Seek treasures! Go to garage sales and see what you may find. There are good reasons why you should buy. The primary of which is that you save largely for furniture that could have cost hundreds of dollars when bought from furniture shops, only that they are far older than what you may buy from the shops. Besides, there are lots to choose from a garage sale. While everything may date back to several years ago, you can still make precious items from them. Fabrics can add character to home decorating. Set the theme with your sheets starting from the bed to the walls. However, you may also prefer choosing a variety of fabrics to create unique designs. Be careful though not to trip on over designing. Nonetheless, it would be a good idea to echo something on your wall that will relate to your over-all fabric concept. If you want some touches of nature into your home, you can place a selection of plants that will not outmode your entire house arrangement. As you can see, the trick with home decoration does not solely depend on the budget that you can outline for your project. But on your ability to think creatively and to put that thinking into workable home decoration plans.
Peer out of your office door, what’s your secretary doing right now? If you answered surfing the internet, taking a nap, or reading a magazine, it’s time to rethink where your money is going. In an ideal situation, a secretary would be paid for the work they accomplish and not for watching the clock. If is my theory that small businesses can save money by hiring a secretary part time to manage office business and utilizing an answering service to manage the phones. Let’s analyze this theory from purely a mathematical point of view using 6 variables A, B, C, D, E, & F. 1. Variable A: Secretary gets paid $12.00 per hour. 2. Variable B: Secretary works 8 hours per day. 3. Variable C: Secretary spends 40% of work day managing office work. 4. Variable D: Secretary spends 30% of work day managing inbound phone calls 5. Variable E: Secretary spends 12% of work day on lunch 6. Variable F: Secretary spends 18% of work day remaining unproductive Based on these variables, your secretary gets paid $96.00 a day. With this figure broken down, they get paid $38.40 per day managing office work, $28.80 per day managing inbound phone calls, $12.00 for eating lunch (provided lunch is paid), and $17.28 per day for doing nothing. For the purposes of proving this theory, lets analyze the variables based on a 1 month block (22 business days), secretaries will earn $844.80 for managing office work, $633.60 for managing inbound phone calls, $264 for lunch, and $380.16 for remaining unproductive. So, if only 3.2 hours per day are spent managing office business, it doesn’t make sense for business owners to hire a secretary for an entire day when most of their duties can be outsourced to a call center. Accounting for “free time” (i. e. coffee breaks, cigarette breaks, bathroom time, etc.) lets round up the 3.2 hour figure to 4 hours ($48.00 per day - $1056 per month). Also, lets take $250.00 as an average market price for utilizing an answering service for a one month period. Also, take into account that with a part time employee (i. e. less than 4 hours per day), a lunch break is not required. It’s time for the grand totals you have been waiting for. - Case A: Using a secretary for every office duty costs a business owner $2112 per month. - Case B: Utilizing a secretary part time while outsourcing phone management duties to an answering service costs a business owner $1306.00 per month. Based on these figures, utilizing an answering service can save a business owner $816.00 per month ($9792.00 per year). Keep in mind that this figure does not include the increase in business by having an after hours, 24/7 live operator presence managing your calls. A live operator will strengthen customer relationships and project the image of a larger, more secure & dependable business to your customers (& potential customers). I suppose the title of this article should have been “Don’t Fire Your Secretary, Just Cut Their Hours”.
Some are nonsteroidal anti-inflammatory drugs (NSAIDs) – some are OTCs / some require a prescription, acetaminophen and various topical medications, covered in the very next section. Users need to be aware of possible risk from long term use or product abuse, though, and consult their medical advisors before and during use. The most common OTC NSAIDs are ibuprofen, naproxen and aspirin. However, the misuse of some of these can cause blockage of an enzyme in the body that aids in the protection of the stomach lining and other areas. Misuse can lead to stomach ulcers and bleeding, and liver and kidney trouble. (The same drug abuse issues can result from prescription NSAIDs, too). Use the right way, these drugs can help with pain relief, inflammation and fever reduction, and blood clot prevention. Acetaminophen is the name of the active ingredient found in several well-known brand-name products; some Excedrin® products, Tylenol®, and Aspirin Free Anacin®. Although it does not help with arthritic inflammation and swelling, it can help with pain relief in mild cases. Use caution with dosages, however. Excess usage poses risk of liver damage, even death, especially for active drinkers (of alcoholic beverages). Topical Painkillers If your arthritis pain is mild and only affects on or two joints, you may find that a topical pain reliever or topical analgesic can be useful. Topical painkillers are available as creams, salves or gels. The active ingredients of topical painkillers include: Capsaicin. Found naturally in hot peppers, capsaicin is found in drug stores under the brand names of Capzasin-P, Zostrix, and other drugs. Capsaicin works by blocking the transmission of a pain-relaying substance called substance P to the brain. Camphor, eucalyptus oil and menthol are found in a variety of agents such as Arthricare, Eucalyptamint and Icy Hot amongst others. These substances are able to relieve pain by tricking the body to feel the coolness or heat of these agents. Salicylates is a substance available in Aspercreme, BenGay, and Flexall. Salicylates work by decreasing pain and inflammation Arthritis Relaxation The importance of relaxation in controlling and treating disease in general has only recently been recognized throughout the medical industry, yet its implementation still lags and the general public does still not understand its effectiveness. Relaxation techniques, especially those involving meditation, have been seen as a bunch of “mumbo jumbo” for many years, until the findings of scientists and doctors that showed immense benefits to this practice became more prevalent. Relaxation techniques have a definite place in the healing process of the body, and with arthritis the case is no different. With certain types of arthritis, the importance of relaxation is increased, since stress and emotional disposition play a large part in them. Prayer is a form of relaxation and meditation if you are spiritually or religiously inclined that also works wonders. Either following a minister or someone else leading prayer, or formulating your own inspirational prayer, you can pull upon the comfort of God as you see him taking your pain away. Again mental and physical benefits are realized from such a practice. You may also consider hypnosis as an option. Hypnosis is simply a guided meditation that allows you to access the power of your subconscious mind through a guide called a hypnotist, who is either a trained psychologist, psychiatrist, counselor, or social worker. Images of a man with a shiny gold stopwatch putting you under a trance to make you perform unusual acts or tell deep dark truths are more the scripts of Hollywood movies than what real-life hypnotism is. In the case of hypnosis for pain management, hypnosis is nothing more than an assisted guided imagery, such as described above. The only difference here is that you have someone to help you through the steps of relaxation and meditation on your image. Relaxation is especially effective for those suffering from fibromyalgia, because this condition is caused by a number of non-physical triggers. Fibromyalgia largely comes from stress, lack of proper sleep, depression, and other emotional duress, and does not involve degeneration of the bones or joints. With this in mind, it is easy to see why relaxation techniques help alleviate this condition so well. Yoga is very beneficial both for flexibility as well as relaxation. Forms of yoga such as Bhakta are devotional, and Raja is meditation-oriented. They can provide a great deal of healing toward all types of arthritis, but specifically fibromyalgia because of the emotional causes.
: As recent as a few years back, the term "Credit Score" was not very commonly used in our society. While there were who understood the term and its purpose, the mass majority, although realizing that there was a system out there that their credit, they did not have a term to stick to it. Today, however, due to a number of factors such as increase Identity Theft and mass media marketing campaigns there are very few who are not aware of the term Credit Score. The goal of this article is to add understanding on the personal to the recognition of that term. A Credit Score is a number between 300 and 850 based on a statistical analysis of an individual's credit activity. It is used to represent the credit worthiness of an individual. How likely that the individual will pay his or her debts. A credit score is based on their credit report information which is typically sourced from credit bureaus and credit reference agencies, typically from the three major credit bureaus. Lending institutions, such as banks, finance companies, mortgage lenders, and credit card companies, use an individual's Credit Score to evaluate the potential risk posed by lending money to that individual. Lenders use Credit Scores to determine who qualifies for a loan, at what interest rate the loan is issued, and what credit limits are determined. The use of credit scoring prior to granting credit is a trusted system throughout the industry. Credit scoring is not limited to banks, however. Organizations, such as mobile phone companies and government departments employ the same techniques. While there are many others, such as NextGen, VantageScore and the CE Score, The most widely known score in the United States is FICO, which is most widely used in the mortgage industry. FICO is an acronym for Fair Isaac Corporation, the company that provides the most well-known and most widely used credit scoring system in the United States. The FICO score is calculated by applying statistical methods, developed by Fair Isaac, to information in one's credit file and is primarily used in the consumer banking and credit industry. FICO scores show how likely it is that a borrower will default. No public information is available to determine what the scores mean in terms of statistics. A separate score, BNI, is used to indicate likelihood of bankruptcy. As stated, banks and other lending institutions use Credit Scores as factors in their lending decisions. Whether credit is denied or approved, what interest is charged, what income level and asset verification is required is all based on an individual's credit score. The FICO score actually uses slightly different scoring methods to rate a consumer's suitability for three different types of credit; mortgages, auto loans, and consumer credit. Each reflecting the different credit risks of these various types of lending. It is not unusual for these scores to differ by as much 50 points or more for the same borrower. There are three major credit reporting agencies in the United States. Although often times inaccurately referred to as "credit bureaus", these agencies; Equifax, Experian and TransUnion, also calculate their own credit scores. These additional scores differ depending on what they are meant to predict, what statistical methods used to determine a score, and what information is used and how it is weighted. These additional Credit Scoring Systems are numerous and are agency specific. For example, Beacon, Beacon 5.0, Beacon 96, and Pinnacle scores are available only from Equifax. Empirica, Empirica Auto 95, Precision Score, and Precision 03 are available only from TransUnion. And, Fair Isaac Risk Score at Experian. These various Credit Scores are developed for the different agencies by Fair Isaac, each differs and are periodically updated to reflect current consumer repayment behavior habits. The NextGen Score is a scoring model designed for consumers. In an effort to make credit scoring more consistent across the board, in 2006 the big three credit reporting agencies introduced Vantage Score. Vantage Score uses a different number range from the FICO score. It ranges from 501 to 990 and also assigns letter grades from A to F to specific ranges of scores. A consumer's Vantage Score may differ from agency to agency, but the difference would be entirely due to differences in the information reported to the various agencies, not due to differences in scoring systems. Since FICO is still widely used by lenders, the agencies continue to offer FICO scores (or their closest equivalent) as well. Most credit scores use a multiple-scorecard design. Each version may use individual scorecards, and an individual potential borrower is typically compared with other previous borrowers. In other words, a borrower with one 30-day late payment will be scored against a population with some similar delinquency. A borrower with two 30-day late payments will be scored against a population with like credit faults. The individual is then graded according to which variables indicate a risk within that group. Nearly all large banks also build and use their own systems for credit scoring purposes, and are often times in conjunction with outside scoring formulas. The systems used to generate credit scores are subject to federal regulations. The Federal Reserve Board's Regulation B, which implements the Equal Credit Opportunity Act, expressly prohibits a credit scoring system from considering any "prohibited basis" such as race, color, religion, national origin, sex, or marital status. It also stipulates that credit scoring systems must be "empirically derived" and "statistically sound". In addition, if an adverse action, a denial of a credit application, is taken as a result of the credit score then the specific reasons for the denial must be provided to the individual denied. The statement "credit score not high enough" is insufficient. The reasons for denial must be specific; "too many delinquencies 60 days or greater" and such. Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are closely guarded secrets, the Fair Isaac Corporation has disclosed the following components and the approximate weighted contribution of each:
35% punctuality of payment in the past (30 Days Past Due)
30% the amount of debt, expressed as the ratio of current revolving debt to total available revolving credit
15% length of credit history
10% types of credit used
10% recent search for credit and/or amount of credit obtained recently
These percentages offer a limited guidance in understanding a credit score. For example, the 10% of the score allocated to "types of credit used" is undefined, leaving consumers unaware what type of credit mix to pursue. "Length of credit history" is also a murky concept; it consists of multiple factors two being the oldest account open and the average length of time an account has been open. Interestingly, although only 35% is attributed to punctuality, if a consumer is substantially late on numerous accounts, his score will fall far more than 35%. Bankruptcies, foreclosures, and judgments affect scores substantially, but are not included in the very vague pie chart provided by Fair Isaac. A FICO score generally has a max of 850 and a minimum of 300. It exhibits a left-skewed distribution with a median around 723. The performance of the scores is monitored and the scores are periodically aligned so that a lender normally does not need to be concerned about which score card was employed. Because the three major credit agencies have their own, independent databases, each of us actually has three credit scores for any given scoring system. As these databases are independent of each other, they may contain entirely different data. Many lenders will check an applicant's score from each bureau and use the median score to determine the applicant's credit worthiness. As a result of the FACT Act (Fair and Accurate Credit Transactions Act), each legal U. S. resident is entitled to one free copy of his or her credit report from each credit reporting agency once every twelve months. To guard against inaccurate information or fraud more often than yearly, one can request a report from a different credit reporting agencies available on the net. This information is available from a number of websites across the net that offer an free credit report and use of their services for 30 days. After which, there is a monthly fee involved. The fee is nominal compared to the necessity of protecting your credit in today's highly technological society where identity theft is becoming more prevalent. In a time where identity theft and credit fraud in on the rise, the fee these firms charge seems like a small amount to pay to protect your credit and your good name. Having a good Credit Score is becoming more and more prevalent in our society. Here are a few examples of how: In September 2004, TXU (a Texas utility company) announced it would begin setting individualized electricity prices based on credit score. However, due to negative press and pressure from the Texas Public Utility Commission, the plan was not implemented. Credit scores are often used in determining prices for auto and homeowner insurance. Recently, some of the agencies that generate credit scores have also been generating more specialized insurance scores, which insurance companies then use to rate the quality of potential customers. These scores are unavailable to consumers. Many employers reserve the right to do a credit check of job applicants, in the same manner they reserve the right to drug test potential employees. The fact is that your Credit Score is important. Rebuild-Credit. us is a sight committed to providing consumers with quality information concerning credit, how to get it, and how to maintain a quality credit score. It is recommended you take the time to visit them and read through the numerous articles and reports there.
For those who need help completing their holiday or special occasion shopping on time, there is a convenient alternative to consider. Gift cards make great stocking stuffers for Christmas and also convey your love, good tidings or best wishes when you are unable to purchase a physical gift. Though some people decry the impersonality of a gift card, they do have the distinct advantage of empowering loved ones and friends to choose the items they desire or like the most. Before Buying a Gift Card While purchasing and giving a gift card may seem easy, there is a wide-range of factors that could make or break the success of this transaction. Below are a few considerations to pay attention to when selecting gift cards: 1) Gift Card Starting Point: After you’ve decided to purchase a gift card, you should think long and hard about the individual that the card is for. The value and type of card should match the style, character and tastes of the recipient. One of the reasons retailers like gift cards is that users often buy more than the gift card’s value, so make sure you activate the card with enough value to buy a decent present. 2) Type of Gift Card: There are two main types of gift cards to choose from: store-specific or general-purpose. The purchase of a store-specific gift card is a more personal, heartfelt approach because it says, “Hey, I know what you like and where you like to shop!” Does Aunt Vera have a sweet tooth? Select a gourmet chocolate gift card from the likes of Ghirardelli or Fanny Farmer. Is your nephew very picky when it comes to clothes? Choose a gift card he can use at his favorite store located within a specific mall. With a general-purpose gift card, the recipient can use the monetary allowance to purchase whatever they wish, wherever a credit card like Visa, MasterCard or American Express is accepted. Before buying, be sure to ask about exceptions or restrictions on the use of the card. For example, you probably won’t be able to purchase an airline ticket with a general-purpose gift card. 3) Read the Fine Print: When giving a gift card, never ignore the fine print. Unreasonable service fees or activation fees, as well as shipping and handling charges, certainly put a damper on giving or receiving this type of present. Generally speaking, store-specific gift cards have fewer fees than general-purpose cards from companies like Mastercard or Visa. 4) Internet vs. Store Gift Cards: While some gift cards permit you to make purchases from both local and online stores, many do not. Before buying a gift card, ask about how it can be used, and think about who this present is for. What type of card would they be most likely to use? Do they spend a lot of time surfing the Internet and feel comfortable ordering online? Or would they rather visit a store in their neighborhood? Be sure to buy a gift card that matches. 5) E-Gift Cards or Certificates: When time is of the essence, you can often purchase a gift certificate at an online retailer and have it emailed directly to the recipient. The emails contain a verification code of some sort that must be entered into an online order form when a purchase in made in order to activate the gift. Such “e-gift” cards are certainly convenient but since they almost invariably must be redeemed online, keep that in mind before buying. 5) Gift Card Scams: It is possible for gift cards to be tampered with, and it’s amazing how ingenious thieves can be. For example, in one con, thieves make note of the identifying information displayed on gift cards being offered for sale, then periodically call to check if they've been activated. When they are, they use the order code/PINS to shop online, thereby draining these cards of value before you get them. Protect yourself by examining both sides of cards yourself before purchase, keeping an eye out for signs of tampering and/or the exposure of the cards' PINs. Immediately after buying a gift card in a store, ask the cashier to scan the card itself to ensure the plastic you bought is valid and bears the proper value. (This will protect you against the card's having been swapped out of its packaging for a zero-balance one.) Never buy them from auction sites – according to the National Retail Federation, many of these cards are stolen or counterfeit. Using a Gift Card If you have received a gift card, the first thing you should do is familiarize yourself with the ins and outs of your present. Knowing the details and limitations of the card will allow you to make the most of your purchases, as well as avoid unnecessary deductions from your funds. 1) Expiration Date: Some gift cards expire within six months to a year, while others a bit longer. You should check for an expiration date on your card to avoid a loss of funds. Once you exceed the expiration date, you will no longer be able to use the gift card. This limitation can be found either on the front or back of your card and often requires reading the small print. 2) Monthly Fees: Depending on the gift card you have received, you might get zapped with a monthly fee for “maintenance.” It could be less than a dollar or more, but depending on the original or remaining amount, this may prompt you to act quickly when making purchases for fear of losing a chunk of your gift. 3) Gift Card Balance: Checking your gift card balance is as easy as calling a toll-free number or reviewing your account online. This is a great way to keep track of what you’ve spent and what you have left. Depending on the amount of money left on your gift card, you may have to carry extra cash when shopping, in case you see an item that exceeds your remaining balance. 4) Unwanted Cards: If it so happens that you get a gift card from a store you don’t like, it is possible to trade cards at several places online. For example, at CardAvenue and PlasticJungle, you can trade gift cards at equal face value for a small fee. Just do so quickly, before any fees are assessed to your card. Buying gift cards is certainly convenient for you, and are usually welcomed by others – but taking the few simple precautions in this article can truly maximize their value.
A real estate broker is a person or entity who serves as an intermediary, or middleman between sellers and buyers of real estate, and is the person who initiates or attempts to find property sellers and buyers In the US housing setting, a real estate broker and his accompanying sales team, assists sellers in promoting and selling their property, usually negotiating for the highest price or rate possible, and under the best terms. It is standard practice in the United States that a person is required to obtain a license first in order to receive compensation or a commission for services rendered as a licensed real estate broker. Unlicensed real estate activity is considered illegal, but buyers and sellers who act as principals in the sale or purchase of real estate are not required to be licensed. In some states however, lawyers are allowed to handle real estate sales, and are paid fees and commissions without the need to be licensed as brokers or agents. There are quite a few buyers and sellers who are comfortable doing the work of marketing their home for sale by themselves, as well carrying the weight of the work on the buyer's side. Unrepresented buyers or sellers do an equal amount of work as agents or licensed brokers. An unrepresented seller more than often approaches a listing agent for a property they represent. If somehow the home seller convinces the agent to give back the "buyer's agent share" to him, it is not as if the listing agent is not going to be picking up the slack for the work the seller does not do or is inexperienced in doing at. The unrepresented seller is at most, directly offering his/her property to a buyer by negotiating deals directly and haggling over the best possible price and payment method. The good thing however with dealing with direct buyers over brokers or agents is that a home owner would not have to cut profits with established brokers agents, and would not find the need to dole over a substantial amount of commission to the agent. Should a home or property owner decide to sell his asset on his own and not avail the services of a licensed broker, he/she should be ready to prepare all necessary papers describing the property for advertising, pamphlets, open houses, and others. Advertising a property is often the biggest outside expense in listing a property, and a home seller should readily shoulder the expense for this. In some aspects, holding an open house to show the property would be a rather inexpensive venue for the home seller to show off his property. By being a contact person, the seller should always be available to answer any questions about the property and to schedule showing appointments to prospective buyers.
If you want low cost motor insurance then you have to go online with a specialist website and allow them to find the cheapest quotes for you along with giving you the information you need so that you can make sure you get the right type of insurance for your needs. The three main types of car insurance that people buy are: fully comprehensive; third party fire and theft; and third party only. Depending on how old your car is you might not have any other option but to take out fully comprehensive and while this is the dearest type of car insurance it does protect you fullyprehensive car insurance will cover the cost of repair to your car and the other party’s; it can also include damage to windscreen and personal injury. Third party fire and theft can be taken out cheaper than fully comp but this only covers the basics such as if your car is stolen, damaged by fire and to cover the other party should you be in an accident. Third party only will only cover the other party if you should be in an accident and won’t payout for repairs to your own car. All car insurance, whatever your needs, can be bought far cheaper if you go with a specialist website. Low cost motor insurance can be found even if you want fully comprehensive, a specialist website will be able to get you the cheapest quotes in the shortest time possible which then allows you to make huge savings whilst at the same time getting access to all the information you need to help you understand the terms and conditions in a policy. It is essential that you read the small print of any policy and that you understand what is included in the cost of the policy and what your car is insured for.
A flourishing city, Houston has a number of industries that range from the production of energy to high-tech firms, and is thus one of the biggest commercial hubs in the United States. A large population also makes Houston a home for many that struggle financially, and require the services of a Houston bankruptcy attorney. It makes sense to hire the services of a professional Houston bankruptcy attorney if one decides to file for bankruptcy in a bankruptcy court in Houston. Should Have a License to Practice It is recommended to first determine if the Houston bankruptcy attorney that you are considering hiring has a license to practice, and to do this, you should try to make full use of referral services to find the best lawyer in Houston. You should also investigate the track record of the attorney, in order to assess the capabilities of this particular Houston bankruptcy attorney. In Houston, every practicing bankruptcy lawyer needs to fulfill certain criteria before he can secure a license for practicing. The year 2005 was not a good year for Houston, with the Houston Astros fairing poorly in the World Series and an increasing number of bankruptcies being reported and filed in the city. Most Houston residents are reportedly in debt today, and need to locate a Houston bankruptcy attorney who will help navigate them through their challenging time. There are many Houston bankruptcy attorneys providing such services, and you should do a certain amount of research before hiring a lawyer to fight for your case. The Houston bankruptcy attorney that you select should have a good track record and should be capable enough to fight the case well. There are many sad stories about people being buried under debt that Houston bankruptcy attorneys will relay to prospective clients. Such lawyers are able to guide clients through the bankruptcy lawsuit, so if you feel the pressure of increasing debt, you should hire a Houston bankruptcy attorney before it gets too late. Houston bankruptcy attorneys can present your case with conviction as well as strength. You should choose a lawyer that has excelled in this field; because he will be best equipped to help you recover from your mounting debt. If you find yourself buried under debt, it would make good sense to get in touch with a Houston bankruptcy attorney. This person will be able to offer further guidance on the matter, and this should be done as early as possible to get best results.
It is estimated that by the year 2015, the majority of people in the United States will do most of their shopping online. While still in its infancy, the growing trend of online shopping still has a few quirks that you should be aware of. Find out the reason why online shopping is becoming more and more popular not just in the United States, but around the world. The most obvious reason for online shopping’s increase in popularity is its convenience. There is no longer the need to drive from store to store and to spend hours of shopping and waiting in line. This is especially beneficial near the holiday season. The other main draw of online shopping is its variety of different stores. This then leads to lower prices. Without even picking up the phone to call different stores to compare prices, you can simply log on to the internet and within a few minutes have a detailed comparison between dozens of different stores. Online shopping is also becoming more popular due to the sheer variety of items available. Rather than just having regularly stocked items at your nearest mall, you can shop on eBay and find nearly anything you’re looking for! It’s not all gravy however. Online shopping does come with a certain amount of risk. The biggest of which being identity theft. Although it is not likely that you will have any sort of problems with this, it should be noted that it is a potential risk. To help deal the fear some people have about putting their credit card online, most companies now give you the option to order over the phone with an operator. For most people, the pros outweigh the cons and online shopping is as normal to them as any other daily activity.
Unwanted hair on the face or on the body affects a huge number of women. Some women are likely to develop hair growth where they don’t want it usually during the onset of their puberty period. Unwanted hairs are usually specific traits that are inherited, through families or races. I. Ways To Get Rid Of Hair: 1. Shaving This is done either through electric razors or a disposable razor held by hand, that can give about three dozen of smooth shaves. Applying a shaving cream on wet skin will be helpful in achieving a smooth appearance. While this method is very fast, easy and painless, the results are brief; usually will last 2 - 3 days. New hair growth can be bristly giving you rough and even legs that are painful to the touch. Avoid razor burns: - Always shave with a new blade. - Shave thoroughly, applying as little pressure as possible, paying special attention to the curves. - Wash off shaving cream with cold water. - Apply an aftershave. - Pat with a towel to dry the area well. - Smooth on lotion to skin. 2. Waxing: Waxing is a method of epilation, meaning the hair is plucked from beneath the surface of the skin. The results of waxing can lasts long for several weeks. Waxing involves two techniques, warm and cold waxing. Both can be easily done at home with the use of waxing kits. Warm waxing is usually performed in a salon and more effective compared to cold waxing. Pain is dependent to each individual’s threshold. Hand pressure is applied so discomfort can be minimized. The waxed area will remain red for a few hours. - In a warmer, wax is heated until it melts. - Using a spatula, the warmed wax is then applied to the skin. - A paper or cloth strip is positioned over the wax until cooled. - The cooled wax becomes slightly hard and the strip is pulled to the direction opposite the hair growth. 3. Depilatory Creams: These creams work by dissolving the hair on the surface of the skin, which normally takes ten to fifteen minutes. It is applied to the skin and leaving it for a few minutes then washed off using a towel or a sponge. With this method, hair can grow back as fast as shaving and some depilatory creams have unpleasant odors. Chemical depilatories are mainly used for the under arms, arms and legs. Using it on the face will cause irritations unless it is stated in the label that it is safe for the face. Thin hairs are damaged faster than thick ones; therefore these creams may be not effective on certain areas of the body and in some individuals. When applying the cream for the first time, test it first by rubbing a small amount onto an area of the skin. Wait for a few minutes and see if it causes a reaction on your skin. If it does, do not use it. Read and follow the instructions carefully, the manufacture has provided instructions for safety. Do not leave the cream on your skin longer than what the label says for it could irritate your skin. 4. Electrolysis This method is done by destroying the roots of the hair with an electric current, thereby loosening the hair follicles, and removing it with tweezers. This is a simple process where a very thin needle that is electrically charged is inserted into the hair follicle, where the hair is coming out. The follicle is then zapped with electricity and destroyed. 5. Laser Hair must be in a growing stage during this treatment, reason why laser is done on a few sessions. All follicles are always not on the same phase and all not at the same time and each stage or phase of hair growth can last from two to six months. Growth, regression and resting are the stages of hair growth. This method disables the ability of the follicle to make more hair. The stage growth and hair darkness will determine how many sessions is required to get rid of all unwanted hairs. Once the session is finished though, one could go on for life without unwanted hairs.
Si eres un principiante en el juego, o mas bien un experto que se ha dedicado toda la vida a apuestas y partidos de Pуquer, aprender las normas de conducta nunca esta de mas. Aquн te presentamos algunas reglas no tan estrictas pero importantes a la hora de demostrar tu estilo y profesionalismo. En el Pуquer: 1) No debes mirar ni intentar leer las cartas de los demбs jugadores antes de que ellos mismos expongan las cartas en la mesa. No es considerado apropiado. 2) No debes revelar el contenido de tus cartas antes de terminar ese partido o mano. Si lo haces los demбs jugadores sabrбn si has mentido o como es tu situaciуn. Tambiйn podrбn saber que otras cartas quedan en las manos de los demбs jugadores. 3) No debes comenzar la jugada si todavнa no llego tu turno. No lo hagas ni en broma, y si lo haces por error, pide disculpas a los demбs jugadores ya que es un acto que no es aceptado en el poquer. 4) No debes amontonar las fichas del partido apiсadamente o desordenadamente. Probablemente va a molestar en la mesa a los demбs jugadores, e interferir en el reparto de las cartas. 5) No debes ayudar a demбs jugadores ni decir cosas que influyan sus a sus decisiones en el partido. Puede causar problemas entre todos los jugadores. Cada uno deberб tomar sus propias decisiones y equivocarse es parte del juego. 6) No debes usar el telйfono celular en el casino. Si estas en medio del partido y debes recibir una llamada urgente pide disculpas a los demбs jugadores y retнrate del partido hasta que termines de hablar. 7) No debes hacer trampa ni estafar. Pretender que tienes mejores cartas de las que tienes es parte del juego, pero la trapa y la estafa estбn prohibidos. 8) No debes maldecir o usar lenguaje obsceno en el partido de Pуquer. Tampoco debes amenazar al repartidor del juego ni a cualquiera de los jugadores. Es importante mantener la calma a pesar de los resultados del juego. 9) Es importante respetar el partido sin quebrar, llorar, estropear las cartas a la mesa o a las fichas. 10) Finalmente, no traigas objetos electrуnicos como cбmara fotogrбfica o filmadora, radio, etc. Son artнculos inapropiados para mantener el estado neutral en un partido de Pуquer. 11) No debes fumar deliberadamente en medio del partido. En muchos casinos esta prohibido, y si juegas con amigos asegurate que no moleste a ninguno. Todas estas normas, como mencione previamente, no estбn escritas en ningъn reglamento del Pуquer pero si son importantes de respetar y recordar a la hora que te propongas jugar. Disfruta tu juego y buena suerte!
