Dining Tables- From The Finest Teak Wood Furniture

For social entertaining, the first thing you think about is your home. After all, it is your stage. Your furniture pieces are your props and everything comes together. There is no more vital piece of teak wood furniture in social entertaining than the dining table. For centuries, the dining table has been the center of good food, fine wine and excellent conversations. A dining table is used for everything, not just foods. Having a teak wood furniture piece that brings elegance and functionality to your home is a must. Some might be thinking, "well, that kind of dining table is out of my league, price-wise". It doesn't have to be elegant, functional teak wood dining tables can be had for less than you think.

Feeling a bit overwhelmed? Not surprising. Shopping for teak wood furniture is not normally on a person's high list of things to shop for and dining tables are usually not even really thought about, even though they should be. Teak wood furniture pieces need to fit in the room, not only in size but also in the style, and you have to be sure that you are getting a teak dining table big enough for all your needs.

The first thing to think about when selecting your teak wood furniture is - does it make you feel comfortable? Not something you normally think about when looking for a teak wood dining table. You want to be able to enjoy sitting and having coffee or conversations over dinner and after without having to get up from your dining table. The way to do that is to make sure your teak wood furniture is comfortable. No matter what type you decide on - an informal dining table or a formal dining table - no matter what styles you choose - modern dining table or traditional dining table - make sure you've taken into consideration the needs that your teak wood furniture will have to fill.

Do you need an extendable dining table? This design of teak wood furniture is best for when you entertain occasionally but normally don't need that much dining space at your dinning table. Want to know for sure? Measure the room, and take those measurements with you. Anyone who is versed in selling teak wood furniture will be able to help you determine the right size dining table for your patio.

There are standard teak wood furniture measurements that will help. Each place setting should have two feet of space. Knowing this and the usual number of people you entertain, will go a long way in helping determine the size of table that will be right for you. Another thing to consider is if you wish to decorate with teak wood furniture, is, what is the average size of your centerpieces? This will help determine the width of your table. These measurements are a surefire way for you to find the perfect teak wood furniture piece for your application.

John StidolphArlyn Blog5615
Alyse Blog62587

What sort of College Savings Programs are Offered by the US Government or States?

College education in the United State is becoming excessively expensive with each passing day. Various kinds of federal and non-federal financial aids are available for students However, not only are they difficult to obtain, but also they are often not enough to abbreviate the gap in the cost of education. In attempt to make higher education easily accessible to more Americans, the federal and state governments have developed qualified tuition programs, commonly known as 529 programs. There are two types of 529 programs; first, prepaid tuition plan and second, college savings program.

Prepaid tuition plan allows the parents and grandparents to lock in tuition in the current tuition rates, that is, prevalent in recognized public colleges and universities. At present, the state government operates these plans. Prepaid tuition plans not only provide better rate of return on investment, but also involve absolutely no risk to the principal.

College saving programs allow parents to make contributions to an account, which has been specifically created to pay for the beneficiarys qualified higher education expenses as books, tuition fees, supplies and boarding. College savings programs are usually associated with investment risks, that is, their value fluctuate according to the market conditions and the investment strategy chosen.

Nowadays, college savings programs for states are typically managed by mutual fund companies. Hence, mutual funds are the most prevalent investment vehicles in these programs. Each state college savings program provides different investment options, and all these options require the creation of portfolio. The portfolio may either contain a wide assortment of investment strategies, or fixed number shares and bonds, whose composition automatically changes with time.

The state governments provide various kinds of tax benefits and incentives on college savings programs. The money in these programs grows tax-deferred, and if it is withdrawn for qualified higher education expenses, then it is tax-free. Moreover, college savings programs receive favorable treatment in student-financial-aid calculations.

Every state provides a variety of college savings programs, and no two programs are exactly alike. Hence, it would be worthwhile to conduct some research before selecting a particular program. A financial aid advisor can help you to find the best college savings program that will efficiently fulfill all your requirements. Some of the best college savings programs are as follows:

New Yorks 529 College Savings Program Direct Plan
Michigan Education Savings Program
Maryland College Investment Plan
Future Scholar, South Carolina
The Education Plan, New Mexico

Anubha Shyam is studying computers, and also works as a part-time freelance copywriter. She writes regularly for http://www.blogcharm.com/BollywoodSizzlersAnne Blog97788
Berthe Blog55017

Luxury Hotels In Spain

So you are traveling to Spain and planning to visit Barcelona while you are there, but the thought of staying in a noisy, busy, city centre hotel leaves you cold? Dont worry, there are other options when it comes to Barcelona hotels, and the following couple of suggestions should make for a mush more relaxed trip.

The first suggestion is to try one of the superb four star hotels at the Port Aventura theme park, only a short distance outside the centre, rather than a hotel in Barcelona city itself. It is possible to get a dedicated transfer from Barcelonas main airport, directly to the theme park, which will drop you right outside your hotel. Of course, you can always hire a car and drive yourself to the theme park, and if you do, remember that Europcar have special arrangements with the Port Aventura hotels to ensure you get the best deal.

The four hotels available each have their own particular character and are decorated and furnished to a very high level. Whichever you choose you will be guaranteed a luxurious visit. If you are looking for classic Mediterranean style you might try the Portaventura hotel, whilst for something a little different, the El Paso hotel has a Mexican theme. If you are after sheer indulgence and the chance to sunbath by the pool on pure white sand, The Hotel Caribe is for you.

As well as bed and breakfast, the very reasonable prices charged by the Port Aventura hotels also include entrance to the theme park and the Caribe Aquatic Centre. Even during the summer months, an expensive period for all hotels in Spain, a night in the hotel with two days in the theme park is just over two hundred euros for a single, and less than one hundred and fifty per person for a double. To reduce the cost even further, you can have a room for up to four people. Out of season, when it is still possible to enjoy good weather in this region, two people could pay less than one hundred euros.

If you want to be a little closer to Barcelona city centre, but are still looking for a luxurious option, away from the crowds of La Rambla, you should check into the Arts Hotle, which offers an incredible sea front location with views over the whole Marina and port area. This is a place to really be pampered, and any of the spacious rooms, suites or split-level apartments, offer an uneatable standard of accommodation. The real gem in this hotel is the Goyescas restaurant, were the extensive menu includes local specialties as well as international cuisine. If you are having trouble deciding between the mouthwatering dishes, a recommendation from the friendly staff may help you make up you mind. They will even tell you the perfect wine to accompany your meal.

So as you can see, it is perfectly possible to enjoy the cultural and historical sights of Barcelona, without having to stay right in the bustling city centre. After a hard days sightseeing you return to a calm relaxing oasis, just a short ride away.

Jack Blacksmith frequently publishes publications on ideas dealing with holiday and travel. You can learn about his writings over at http://www.barcelona-information.com/barcelona-hotels.html and different sources for Barcelona Hotels information.Amata Blog67412
Carrissa Blog97830

Eliminate Debt - Without Wasting Your Time

Having problems with debt can be embarrassing, and consequently, people tend to keep their predicament a secret. Whether you have overextended yourself buying a house, and now have mortgage payments you can't afford, or have a number of maxed out credit cards, you may have chosen to keep this information private. Unfortunately, this is not usually the best strategy for getting out of debt. Before you can get out of debt, you need to be honest with yourself and admit that your debt is getting out of control. Facing the problem is the most important, but also the easiest step in regaining control of your finances.

For most people who find themselves deep in debt, professional help of some kind is necessary to get back on track. One good place to seek help is the lender who services your debt. Most lenders are eager to solve the problem early, rather than having to resort to taking legal action later. Lenders can help you solve your debt problems in a number of ways. They can temporarily suspend payments to help you catch up on a delinquent account, work out a different payment plan, or completely restructure your loan. Credit card companies will often be willing to help you get your finances on track and get back on a timely payment schedule.

Another place to find debt help is on the internet. Many companies offer debt consolidation and credit repair services to help you regain control of your debts. Normally you will get either a single loan consolidating all of your outstanding debts, or pay a credit consolidation company directly who in turn will pay your creditors. When you are working with a professional credit consolidation company, some lenders will even suspend interest charges to your account because you are making an earnest attempt to remedy your debt issues.

When deciding to utilize the services of a debt relief or credit repair company, be sure to first check them out with the Better Business Bureau. Avoid offers that sound too good to be true, and be wary of potential scams. By law, companies that offer credit repair services cannot charge you until service is complete, and are prohibited from making misleading claims regarding their services. You must also be given a three day waiting period during which you can back out of the agreement. Finally, be aware that just because an organization is designated a "non-profit" does not mean that their services are entirely free. There will still be some kind of fee associated with the service.

Many companies offering credit repair services cannot deliver what they promise. Almost all of the services they provide are things that the consumer can do on their own. By law, each of the three national credit reporting agencies must provide you a copy of your credit report upon request once a year. Credit reports often contain inaccurate items, and by law, the credit reporting agency must remove inaccuracies within 30 days. In cases where particular items are in dispute, the burden of proof rests with the company who reported the item to prove that the information is correct. Avoid credit repair companies that require payment up front, advise you not to contact the credit agencies directly, or propose that you create a new credit identity by applying for an Employer Identification Number to use in place of a Social Security number.

Whether you use professional assistance to get out of debt and improve your credit, or you decide to tackle the problem yourself, it is vital that you identify what caused the debt and credit problems in the first place. Take a close look at your credit report and you can begin to identify a pattern of credit use. Perhaps you have a number of open credit accounts that you don't use, or even worse, many accounts that are maxed out. Once you have eliminated any erroneous credit entries and are working to correct legitimate negative items, you need to construct a budget that allows you to live within your means. Use credit wisely and sparingly, and begin to set some money aside to cover future expenses. Continue to be vigilant so that you never again fall into the trap of excessive debt.

Gregg Pennington writes articles on a number of topics including loans, debt and credit. For more information about debt help and credit repair visit: http://www.onlinemoneysources.net/debt-and-credit.htmlAlberta Blog9606
Bellanca Blog91878

Microsoft Certification: Your Career Is Waiting!

Microsoft, a leader in the IT industry, has developed a number of certification programs for professionals working in the business. The programs allow you to decide which certification is appropriate and best suited for your career. There are over 2 million IT professionals with Microsoft certification. You can join their ranks and greatly enhance your professional career with Microsoft Certification. It's important to note that Microsoft has restructured their programs to be very targeted.

Microsoft provides plenty of support as you study for your various certifications. The training includes classroom training, self-study kits, computer-based training, online classes, and books, and certification guides. You can take advantage of the way that you learn best. Depending on the career path you have chosen, you will find a certification that matches your skill set. Microsoft plans to, over time, introduce exams that rely on simulations and performance items.

You start by taking the appropriate entry- level certification. Prepare yourself with the most suitable Microsoft Certification Guides. You need to choose the right guide. A list follows of the various Certification Guides you can choose from. Match you expertise with these guides.

MCSE certification (Microsoft Certified Systems Engineer) is an industry standard targeted at the IT professional and provides the skills and training needed to design and implement infrastructure functions based on the Microsoft Windows 2000 platform and Microsoft server software such as MCSE Messaging and Security.

MCSA certification (Microsoft Certified Systems Administrator) is for IT professionals who need skills and knowledge to administer system environments based on desktop and server operator systems. This training focuses on managing and troubleshooting system environments. With this level of certification you can now prepare for specializations like MCSA Security and Messaging.

MCDST certification (Microsoft Certified Desktop Support Technician) is for students who need the right skills and training to troubleshoot ordinary hardware and software issues in Microsoft Windows environments.

MCAD.NET certification (Microsoft Certified Application Developer ) provides you with the skills and knowledge that allows you to develop and maintain department level applications for Web clients, desktop client, components, and back-end data services all the way from development to maintenance.

MCSD.NET certification (Microsoft Certified Solutions Developers) is for IT professionals with the skills and knowledge needed for developing and designing leading edge business solutions by using various Microsoft tools, platforms, technologies and architectures. This certification allows you to develop custom .NET-based applications. This training encompasses everything from analysis to design, development, testing and maintenance using Microsoft development tools, technologies, and platforms. You become an expert on all aspects of the application life cycle.

MCITP certification (Microsoft Certified IT Professional Database Administrator) is for IT professionals who need to plan, administer, deploy, support and maintain databases created by using various Microsoft products.

MCITP certification (Microsoft Certified IT Professional Database Developer) gives you the skills and knowledge to plan, deploy, support, maintain and optimize IT infrastructures and databases created by using Microsoft products such as Windows Application Developer, Web Application Developer, or Enterprise Applications Developer.

MCPD certification (Microsoft Certified Professional Web Developer) distinguishes expert professionals who are Windows application developers, Web application developers, and enterprise application developers. Experts with these skills can build targeted applications using different platforms in the Microsoft.NET Framework 2.0.

MCPD certification (Microsoft Certified Professional Developer) is for students who need to distinguish themselves as an expert in comprehensive Windows application development, enterprise application, and Web application development using platforms that use the Microsoft.NET Framework. This certification is a stepping- stone to other Microsoft certifications.

MCTS.NET 2.0 certification (Microsoft Certified Technology Specialist) is designed fir IP professionals who target specific technologies and demonstrate in-depth knowledge of .NET 2.0 and other specialized Microsoft technologies.

MCTS.NET 2.0 certification (Microsoft Certified Technology Specialist) is for IT professionals who work with enterprise environment databases. It provides students with in-depth training and skills for Microsoft SQL Server 2005 product.

MOS certification (Microsoft Office Specialist) is designed for IT professionals who need the skills and knowledge to understand and use the advanced features of Microsoft Office software.

MOS MI certification (Microsoft Office Master Instructor) qualifies you to teach MOS courses.

Microsoft Certified Architect Program is designed for IT professionals who can apply successful frameworks and methodologies to create an architecture from beginning to end, through the IT life cycle.

CLC certification (Microsoft Certified Learning Consultant) is a credential for expertise in designing and delivering customized learning solutions for other IT professionals.

MCBDA certification (Microsoft Certified Database Administrators) are trained to design, implement and administer Microsoft SQL Server databases.

MCT certification (Microsoft Certified Trainers) are instructors who are qualified to deliver Microsoft training courses. MCTs are authorized to deliver Microsoft Official Curriculum (MOC) or Microsoft Developer Network (MSDN).

Scott Elliott owns and operates http://www.it-certification-guides.com IT Certification Guides for Microsoft Certifications.Brook Blog18372
Biddy Blog79334

Computer Courses: Do We Really Need Them?

For Seniors This Does Compute

Probably the most prevalent, and perhaps least costly of any training anywhere are computer courses. In fact, computer courses are about the most important courses offered, as they provide skills needed for personal as well as business acumen.

Community colleges, senior centers, community centers, non-profit organizations, high schools, colleges, universities and private for-profit firms all offer computer courses. Many retails and office supply stores, as well as e-merchants, offer computer courses by e-book, POD (print on demand), Web-based training and CD or DVD.

For seniors especially the choice in computer courses is diverse, plentiful and generally low cost. One of the perks of growing old is the right to become part of what is fast becoming a commonplace college affiliated organization Creative Retirement centers. These are typically cropping up on the campuses of community colleges and state universities and offer computer courses, discounts on standard college courses, senior computer centers, events, trips and get togethers such as meetings, dances and dinners.

The impetus behind these creative retirement facilities and organizations and their computer centers and computer courses was the University of North Carolina and its Asheville campus. The home of the Center for Creative Retirement, UNC Ashville each Memorial Weekend hosts a weekend get-together for seniors or about-to-be-retirees, with a look at the various facilities and housing available locally, the various courses including computer courses offered at the UNC campus club, and a tour of the local area.

The College for Seniors is a program of the North Carolina Center for Creative Retirement, established in 1988. With full access to the resources of the University of North Carolina at Asheville, College for Seniors members keep mentally and physically fit through participation in classes and possibly even teaching a class or two.

College for Seniors draws from members' experiences and professional expertise as well as from the UNCA faculty to offer four terms each year. Courses range from Chaucer to computers, foreign affairs to opera, yoga to history. Held on the UNCA campus and at community locations, courses are non-credit, with no tests or grades, open to all interested adults. Members collaborate with staff to teach, learn, design curricula and arrange special events. Educational travel opportunities are available. Term-renewable registration entitles members to as many courses as schedules permit.

All College for Seniors students are required to be members of the North Carolina Center for Creative Retirement. This membership allows participation in all Center for Creative Retirement programs and provides a UNCA parking permit, a UNCA identification card, and UNCA library privileges. There are no age limits for College for Seniors courses or Center for Creative Retirement membership.

Examples of computer courses offered as part of College for Seniors include a basic Getting Started with Computers course, Advanced Home Computer, Basic e-mail and Internet access, MS Word training, Excel Spreadsheet basics, and Power Point basics. The only prerequisites for the more advanced of these computer courses are knowledge of the keyboard and mouse, and comfort with the use of both. A basic knowledge of either Windows or Macintosh jargon and menu bar items such as filing, editing, viewing and inserting functions. You should also know commands such as copying, cutting and pasting, and standard and formatting toolbars.

For the beginning computer courses, you dont even need these rudimentary understandings, though. The computer starter course assumed youve never used a computer before, and teaches the senior student how to navigate around the Internet, and how to conduct searches. Windows applications are taught as well in these basic courses. Here the retirees learn how to use word processing to save files, and to create folders. They also learn the basics of sending and receiving e-mail.

Robert Michael is a writer for Computer Courses which is an excellent place to find computer courses links, resources and articles. For more information go to: http://www.nhmxservers.com/cc.Barby Blog57534
Carmela Blog29263

The Catch Behind No Closing Costs Refinance Loans

You may have heard about No Cost Refinance or Free Refinance. The concept implies that the only thing charged on this kind of loans is interest. Those who promote this, claim that there are no closing costs, no additional fees, etc.

The financial industry has become increasingly competitive over the past years and lenders are desperate to attract customers, thus forcing their creative media guys to come up with new appealing concepts so as to take hold of as many clients as possible.

There is an old saying stating that there is nothing really free, and when it comes to this kind of loans, the saying turns out to be just perfect. So, you want to know whats the catch with No Closing Costs Refinance? Read on and youll find out what lenders have prayed for you to ignore.

No Closing Costs Refinance

Those lenders who offer this kind of loans state that youd be saving thousands of dollars on closing costs. Well those thousands of dollars add up to $3000, $4000 at a most. But if you pay attention to the interest rate they charge on No Closing Costs Refinance Loans youll notice that its almost 2% above the average interest rate offered by other lenders.

So their claim is only partly true. They are charging no closing costs at all, but what they make you save by not charging any fee, they compensate with overpriced interest rates. If you do your math, unless youre requesting a 12 months refinance program, chances are that youll be paying a lot more than those $4000 in closing costs.

Avoid being tricked

Though ethically questionable, there is nothing illegal about these practices so you need to be particularly careful when looking for a refinance loan. What you may think is an excellent offering, can turn out to be a rip off. Always ask for loan quotes and take your time to analyze them, never rush in and dont let loan salesmen trick you into signing something you dont want to sign.

Whenever you hear interest rate is a bit higher, find out how higher and whenever you hear youll save thousands of dollars on closing costs, find out how many thousands. Do all the research you need to, till you find which lender is best for you.

Focus on the Interest Rate

Always remember when it comes to refinance, unless you are refinancing a small amount cause youve already paid almost all of your mortgage, you should focus on finding the lowest interest rate available. It is the only true way of saving thousands of dollars with a refinance home loan and anyone who tells you otherwise is lying.

So dont pay attention to those offering incredible refinance programs at no cost and search the internet for refinance home loan lenders, request quotes and compare interest rates and fees. Once youve selected the best deal contact the lender in order to apply for the loan. Take your time to make a conscious decision and youll avoid costly mistakes.

Bryan Quinn is a financial advisor with more than thirty years of experience in the field of finance who aids people undergoing financial problems and helps them obtain personal loans, home loans, student loans and grants, consolidation loans, car loans and many other financial products regardless of their credit situation. For more smart tips on Home Loans you can visit http://www.badcreditloanservices.com and also learn more about other financial options.Andriette Blog56677
Celesta Blog69587

Top 25 Environmental Gift Ideas

Now that Thanksgiving is over, Christmas gift buying is in full swing. The challenge is on! With only a few shopping days left and perhaps many gifts still to buy; here are a few ways to minimize your shopping time and frustration and simultaneously make a significant difference for the environment. When making a few changes in your buying styles and habits you can have a considerable impact on the environment with little effort.

Its really fairly easy. Just follow some of the gift ideas below and enjoy the satisfaction of being part of the green movement by greening your gifts. Make it a truly green holiday this year. Take heed!

Remember try to give gifts that people need, can use and are practical. Be creative! Try these

1. Tickets to movies, concerts, museums, sporting events, outdoor activities or an annual pass to national parks.

2. House or garden plants, herbs, seeds and bulbs. Pots and planters boxes made from natural ingredients.

3. Gift certificates to clothing, electronics, books, grocery, or vitamin stores.

4. Donate to one or more Charities in the name of your recipient.

5. Give the gift of YOU! Make coupons for services such as babysitting, a night out at the movies, dinners dates, weekends away, massages, yard work, dog-walking or help write a resume or article, give a computer lesson or offer some other talent or skill you can share.

6. An old book or collectors item. Things with a unique meaning. Shop at antique stores, estate sales or flea markets.

7. Cook home-baked sweets and put in a reusable tin box, a kitchen container, or another usable item.

8. Any homemade item. A knitted hat or scarf.

9. Fair-trade organic chocolate or coffee. Always a hit.

10. Clothes and other items made from hemp, wool, or organic cotton.

11. A roll of postage stamps.

12. Office supplies such as recycled paper and envelops.

13 Energy efficient light bulbs, battery re-chargers, or solar-powered products.

14. First aid kits or emergency road side equipment.

15. Board and card games that will be used over and over again.

16. For your children, you can open a savings account, buy stocks or bonds.

17. A gift gasoline card for your teenager or college student.

18. A calendar marked with important dates, such as birthdays, anniversaries, and family gatherings.

19. A book of favorite recipes.

20. Carbon offsetting. This purchase erases negative energy footprint of reducing carbon emissions.

21. Music and books. itunes or the equivalent downloadable books and music.

22. Plant trees in the name of your beneficiary.

23. Name a star after

24. Have a party and invite everyone over as your gift.

25. A years membership to an Environmental organization, a health spa, the auto club.

The list is really endless if you just take a moment to think about your purchase. If you consider where the product was made, what it is made of, who made it, what actually went in to the manufacturing of the product, you might want to reconsider that purchase. Fact: A manufactured item will generate 70 times its weight in waste during manufacturing. Wow!

To learn more about how become more environmental conscious when planning your holiday parties and events, planning conferences, workshops and seminars, and events of all sizes, shapes, and styles, visit my website: http://www.successfuleventplanning.com.

As an Event Planner, Writer, Author and Environmentalist Ms. Shannon Kilkenny is in the process of writing her next book which is dedicated to "greening" the hospitality and event planning industry. Her first book The Complete Guide to Successful Event Planning is due out Dec. 06. Visit http://www.successfuleventplanning.com for more information. Email me: eventresults@aol.comAdel Blog52655
Annetta Blog28441

Secured Online Loan: Quick And Trusted Way Of Borrowing Money

Obtaining a loan is not a very difficult task but availing the right deal is surely one. Even if all the criteria are fulfilled, still the main point of thought is the availability of the loan. Is the loan available easily? Is it approved quickly? As an answer to these questions, there is a secured online loan that can remove all this worry from the borrowers mind.

A secured online loan is a multi-purpose loan which can be used for any purpose for the borrower. It can be used for home improvement, debt consolidation, car purchase, wedding expenses, college education funding etc.

The security for the secured online loan is any asset like a house or a car which is placed with the lender. The amount approved is proportional to the equity of the collateral.

While looking for a secured online loan, the criteria of selection should be the low rate of interest. Because of placement of the collateral, the borrower can demand a low rate of interest. The borrower can select the lowest rate deal from the numerous options that are available online for the secured online loan.

Through secured online loan, the borrower can take up an amount of 5000-75000. Due to the loan being secured, the repayment term of the online loan is long ranging from 5-25 years. The borrower should take the loan according to his repayment ability so that he is able to repay the loan as early as possible.

Secured online loan provides a lot of benefits to the borrowers like:

* Easy accessibility
* Numerous deal options to choose from
* Very low rates due to competition

Borrowers having a bad credit history can also apply for secured online loan. As security has to be pledged, the lenders do not have to undertake risk while giving them money as secured online loan.

Secured online loan is the best choice in loans when the borrower is ready to pledge collateral. He can avail maximum benefits by going for this option of secured online loan.

Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the ukfinanceworld. For any type of Secured online loan, loan, loans, unsecured loans, secured loans, debt consolidation loan, mortgage, remortgage visit http://www.ukfinanceworld.co.ukCelestia Blog32716
Cathe Blog24149

Writing Effective Benefits Statements

How to turn features into compelling benefits that matter to customers

One of the most common trap the marketing folks get into when working on technical products is focusing on the features of a product rather than the benefits to the end user. Features are great - we all want to know what is in a product and want to be able to compare it to other products. But at the same time there are many features that, while the benefits may be obvious to the Marketer or Product Manager working on them, may leave potential customers wondering why they matter.

Here's an example. Back when I was the Product Manager for the Human Interface for the MacOS at Apple, the company would routinely release new technologies with each operating system release. Since many of these technologies were very "cool" by technology standards they would get talked about as feature. A few examples include QuickDraw GX and QuickTime.

Now for those of us who are more technical geeks, or for those who followed what Apple was doing we immediately understood what Apple meant when they said "includes the new QuickDraw GX graphics and printing architecture and version 2.0 of QuickTime". But for the other 99.999% of the world, stating some benefits would have answered the age old question of "So why should I care" (and "So why should I upgrade").

When writing effective benefits statements think of the phrase "Which means that you can". What do I mean by this? To give you an idea I'll use the 280 Group as an example (this is the part of the article where we do the shameless self-promotion).

One of the "Features" that we promote is that we provide "Hand Picked Marketing & Product Management Consultants and Contractors". On its own you might say "So What?", but here's the benefit statement.

FEATURE:

"Hand Picked Marketing & Product Management Consultants and Contractors"

Which means that you can

BENEFIT

"save the time and hassle of doing the work yourself to find a qualified consultant, check their references, etc."

Here's another example:

FEATURE:

"Seasoned Professional and Experienced Consultants"

Which means that you can

BENEFIT

"rest assured that you will have a committed and professional resource to see the project all the way through and get excellent results."

The "Which means that you can" phrase helps bring out the real value to your customers. They don't care about technology or features if there isn't an associated benefit to them. This may seem like Marketing 101, but it is amazing how many people neglect this when writing their marketing content.

To wrap up, let's go back to the Apple example. Now if I told you that you should upgrade to the newest version of the MacOS because you'll get QuickTime 2.0, which means that can watch movies on your computer that are twice as big and are much higher quality, would you be a little more prone to want to upgrade?

Brian Lawley is the President of the 280 Group, the Product Marketing & Product Management Experts. The 280 Group provides consulting, contractors, training and templates to help companies define, launch and market breakthrough new products. For more information about the 280 Group's services and toolkits (Product Roadmap, Product Launch, Beta Program, Developer Program & others) visit http://www.280group.com.Alexi Blog4367
Ame Blog66611

Get A Student Credit Card To Make College Life Easier

Everybody knows that collage life requires finance. Any student who wants to pay his way through college seeks a source of finance to pay for education, studying material and everyday expenses. The problem begins when the students family cant support monetarily during emergencies or daily expenses due to being far away.

Student Credit Cards become a must and so, when shopping for a credit card one cant be careful enough. There are many things one needs to know before applying for a student credit card; following are some tips that will help you get started with the application process and will also teach you some basics on credit card proper use:

Fees and Rates

Student Credit Cards have somewhat high fees and interest rate, this is due to the fact that students usually lack a credit history and so, the credit card issuer is making a blind guess so to speak.

If you want to get a lower interest rate, though not required, you can always apply with a co-signer. A co-signer will become responsible for the card debt along with the credit card holder and if the holder fails to pay, he will have to cancel the debt. If a co-signer is present, his credit score will be considered in order to calculate the interest rate, and if the co-signer has good credit then, the card will carry a lower interest rate.

Starting six months 0% APR

In order to make things easier for students, most student credit cards offer a 0% APR for at least six months. Students tend to use this special promotional rate to pay for all he moving and settling expenses. Starting college is usually very expensive: moving expenses, studying material, college costs, more than usual phone calls, etc. And it is good to have cheap finance during this initial period, once the promotional period ends, the student will be already settled and wont have so many expenses.

Additional Benefit

Another benefit that comes along with being a credit card holder is that requirements for obtaining other services like a phone line, ISP, etc. or even renting an apartment will be eased due to the fact that owning a credit card is prove of credit worthiness.

Moreover, some landlords actually require tenants to own a Credit Card in order to lease them rooms or apartments. In any case, being a credit card holder is always a plus not only for the use you can make out of it, but also because of what having one implies.

Getting the right Student Credit Card

At this point, you surely want to know where you can get a student credit card. There is no single answer to that question. However, the best way to finding the right student credit card for you is to perform an online search and request information from different credit card issuers, comparing them and once youve found which one is best for you, you can apply directly online. This way, youll get the best deal at the lowest cost.


Bryan Quinn is a financial advisor with more than thirty years of experience in the field of finance who aids people undergoing financial problems and helps them obtain personal loans, home loans, student loans and grants, consolidation loans, car loans and many other financial products regardless of their credit situation. For more smart tips on Credit Cards you can visit http://www.badcreditloanservices.com and also learn more about other financial options.Bobbee Blog23203
Bellanca Blog91878

College Students Get a Jump on College Funding Strategy with NextStudent

College students all over the United States probably have just gotten into the swing of summer, whether that means finally perfecting their golf swing, getting that deep tan, or acing the most recent quiz in summer school. In the midst of these activities and especially at this time of year, it is important to regroup and begin planning financially for the new school year, according to NextStudent, a leading Phoenix-based education funding company.

NextStudent EFAs Help Students Understand Awards

The best place to start is to review all the correspondence students have received, especially their award letters. This is the document that lists such important information as the actual cost to attend school (includes tuition, fees, room and board), available need-based federal aid such as subsidized Stafford Student Loans (http://www.nextstudent.com/student-loans/student-loans.asp) , non-need-based aid such as unsubsidized Stafford Student Loans and Parent Loans for Undergraduate Students (PLUS Loans), and the remaining out-of-pocket funds required.

Unfortunately, many times the award letters from colleges are somewhat difficult to understand, which may lead to confusion when students attempt to put together a strategic plan for funding their college dream. However, when students or their parents contact NextStudent, they will receive personal attention from their Education Finance Advisor. EFAs help students understand the types and amounts of fnancial aid for which they qualify, answer any questions, and then work with students to develop a strategy that best fits students needs.

Students Qualify for a Variety of Federal Funds

Students and their parents have an array of federal financial aid options to consider, depending on the type of aid for which they qualify. Some students may qualify for need-based subsidized Stafford Student Loans, whereby the government covers any interest on the student loan while a student is in school, the grace period following graduation, and any period of deferment. Other students may qualify for a non-need-based unsubsidized Stafford Student Loan, where interest is charged to the borrower during this same time period.

Another common type of federal aid is Federal Parent Loans for Undergraduate Students, known as PLUS Loans (http://www.nextstudent.com/plus_loans/plus_loans.asp). These credit-based options allow parents to borrow funds to cover the education costs of their dependent children who attend college at least half-time as undergraduate students. Parents may borrow up to the cost of attendance, minus any other financial aid.

Frequently, parents find that they pay more for their childs education than they anticipated. NextStudent offers Private Student Loans (http://www.nextstudent.com/private_loans/private_loans.asp) to supplement federal student loan sources. Many parents prefer these unsecured credit-based student loans to borrowing against the equity in their homes or other options to cover the remaining out-of-pocket college costs. NextStudent offers generous borrowing limits, quick preapproval, deferred principal and interest on most student loans, and no prepayment penalties. Funds may be used for study abroad and distance-learning programs in addition to traditional schooling.

Financial Aid Myths Dispelled

One fairly common misconception is the belief that a student does not qualify for ANY federal aid. In fact, even a student who does not qualify for any SUBSIDIZED federal aid will almost certainly qualify for an UNSUBSIDIZED student loan. NextStudent Education Finance Advisors are equipped to help students and their parents understand just these types of issues so that they can put together a plan that best fits the needs of the borrower.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans and Student Loan Consolidation (http://www.nextstudent.com/) at NextStudent.com.

Jeff Mictabor is an enthusiast on the topic of student loan issues in the news. He has been writing for the past 10 years for a variety of education publications. He now offers his writing services on a freelance basis.Britta Blog57300
Annette Blog5741

Can Top Indian Casinos compare to Las Vegas Casinos?

You might be surprised...

Indian Casinos all around the country are shattering the notion that Indian Casinos are a less than par alternative when compared to their Las Vegas counterparts.

However, just like in Sin City itself, the quality of Indian Casinos varies dramatically.

With literally hundreds of Indian Casinos spread out across the United States, to give you an idea of the level of quality gaming emerging on reservations countrywide, lets focus in on a few of the top Indian Casinos leading the way.

A good place to start is from an area often considered the Indian Casino capital of California and the location of an extremely competitive Indian Casino market, San Diego, California.

Heres a quick snapshot of 6 Top Indian Casinos in San Diego:

1) Barona Valley Ranch Resort and Casino

Barona offers visitors Vegas style gaming action, combined with unique dining experiences, a luxurious hotel, and world-class golf. This spectacular highly acclaimed ranch-themed resort and casino has earned various awards for its casino and games, as well as for its restaurants and golf club.

2) Viejas Casino

Viejas is a well-established and popular Indian casino. Beyond its top notch gaming, Viejas Entertainment puts on high caliber concerts and the Viejas Outlet shopping center is known for its upscale outlet shopping. The casino also caters to the trend setting crowd with their new V Lounge bar.

3) Harrahs Rincon Casino

Harrahs Rincon Casino follows in the footsteps of the Harrahs gaming brand. A new 21-story hotel tower adds to the resort feel and recently was voted as having the Best Rooms, Best Suites, Best Hotel Service and more in 2005 by Casino Player magazine. Amenities include a luxurious spa and a state-of-the-art fitness center. Harrah's Rincon routinely attracts famous acts to it's entertainment complex.

4) Pala Casino

Pala Casino offers award winning gaming, has eight restaurants, a 10,000 square foot day spa, a four-diamond resort with 507 deluxe hotel rooms, including 82 suites, four entertainment venues and an Olympic size pool with 12 cabanas. Pala routinely attracts big name entertainment concerts as well.

5) Pechanga Resort and Casino

As one of the country's newest resort destinations, Pechanga Resort & Casino, an AAA four-diamond property, offers the best of hotel luxury, Vegas style gaming, entertainment, meeting facilities and seven fine dining choices. A-list performers scheduled regularly in the 1,200- seat Pechanga Theater

6) Sycuan Resort and Casino

In addition to great gaming, dining and entertainment, Sycuan Resort offers 54 holes of Southern Californias best golf, championship tennis courts, great overnight accommodations and a relaxing atmosphere to enjoy cocktails and fine dining. The Showcase Theatre features great shows and concerts.

If you are getting the itch to visit Vegas but dont want to make the trek, you might not have to look much further than your local Indian Casino.

You definitely wont be let down by any of the Top 6 San Diego Indian Casinos.

David Cook is the media liaison for http://www.IndianCasinoSource.com a leading resource and online Indian Casinos Directory for American Indian Casino gaming, locations, facilities and amenities.Beverlie Blog31768
Alfie Blog94013

Virtual Classroom - A Learning Tool Of Prowess

Why choose virtual classroom?

Web based learning cannot rival conventional classroom training for some very obvious reasons. Since it is mostly delivered through asynchronous communication methods, it provides thin scope for interaction among the learners as well as between the learner and the instructor. It lacks the depth that an instant face to face dialogue can provide, because synchronous mode of learning is devoid of instant responses and interaction. In turn, it limits the comprehension of the student, thus reducing his interest in learning. On the other hand, a virtual classroom rids web based training of such maladies. It is essentially a cyber classroom, where the instructor and the learners can converse in real time. Thus, a virtual classroom tries to simulate in every way it can, the learning platform provided by conventional classroom, and is quite successful at that. Let us have a look at how it genuinely enhances the effect of other learning components in the learning process.

It engenders the sense of community existence among learners

The synchronous mode of communication in a virtual classroom allows immediate feedback on queries, and motivational encouragement, which provides the learners with a sense of belonging to a community. Thus, an instructor can be personally involved with learners during the course of an online chat. On the contrary, content is delivered to multiple recipients in a traditional classroom or asynchronous training mode, making it impersonal. Virtual classrooms have broken free of this stigma by harnessing technology for nurturing social interaction, instead of curtailing it. This sense of a group existence helps students to identify with fellow learners, thus keeping them glued through the course till its completion without allowing loneliness to creep in.

It helps assess learning trends among learners

Similar to a conventional classroom, a virtual classroom provides clues of students performance, interest and activities inside the class. In a traditional classroom, inattentiveness, restlessness, blank or quizzing expressions, or fiddling could be signs of student disinterest and lack of involvement in the course. Likewise, in a virtual classroom, an analysis of the responses and comments of the participants provide substantial cues to the level of interest and comprehension among learners. For example, the frequency of comments posted by a learner or the type of learner queries often gives an insight into the student involvement. Little wonder then, that virtual classrooms beat other components of learning - like web pages, email and forum postings, to enjoy the highest rankings as the most favored tool. And, while all the components together make the learning process more effective, learning initiatives could do well by adding more chat discussions to them.

It allows informative exchange of knowledge

An equal and active participation from both learner and instructor, and a precise two way instructive communication between them leads to the fruition of a learning process. Since asynchronous training leaves the student to flaccidly receive information from the instructor with its one-time, one-way mode of communication, the information flow is essentially one sided, at any given time. This is pure under-exploitation of the recourses thrown up by the developing technology. On the other hand, a virtual classroom assists in a meaningful, useful and informative exchange of notes between instructor-learner, and learner-learner.

It allows learning in an accustomed ambiance

Learning has always been more effective when it happens in a familiar ambience. The comparatively unidentified existence of learners in the virtual space is an added comfort factor. The cumulative effect of this results in an augmented, open and active learner participation in virtual classroom discussions, which certainly beats that in a traditional one. Also most learners are averse to speaking in front of an audience. A virtual classroom removes this hurdle for them, because of which, it has become a boiling pot of information from different sources and is synonymous with increased interaction between peers and learner-instructor. Indeed, a conventional classroom setting could never have dreamed of attaining this. Simply put, a virtual classroom liberates learners from the shackles of geographical distance, discriminations, and inhibitions.

It provides an egalitarian platform for learners

Being devoid of props such as the dais, stage lights, or the front and back row, the virtual classroom is one step ahead of its conventional counterpart, in that it provides a leveled platform for all. There is no raising of hands to answer questions, and learners who answer are not differentiated from others, since there is no standing up required to give answers. Apart from this, learners are spared the hassle of dealing with discrimination on the basis of gender, race, or any physical constraints. And even though the instructor leads the discussion, he is recognized from the learners only by his screen name. Each learner too, has a unique screen name and merit of the learners comments and opinions is the only criterion that separates them from one another. The virtual classroom practically makes learners lose their fear of teachers - that is a part of the traditional classroom set-up - although the instructor remains the guiding force of the whole class.

It allows instructors to experience the joy of learner Nirvana

Instructors of online courses often crib about missing the spark of realization on their students face that ensues a thorough understanding of a concept. But, unlike popular belief, learner nirvana can very well be experienced in a virtual classroom. The nature of learner responses and comments often reveals the comprehension levels of a student, allowing the instructor to enjoy the experience of a learner exactly grabbing the soul of a concept. The experience of seeing a relatively fresh mind imbibe the essence of a concept is like being the hand on the potters wheel. This is the best award for their teaching endeavor, not only because it proves the effectiveness of their teaching method, but also because it displays the perfect camaraderie that is shared by them.

Epilogue

Even though other components of an online learning initiative cannot be sidetracked by virtual classrooms, including more online chat in the courseware explains, improves and strengthens the concepts that are laid down by other asynchronous components. Obviously, a web based learning initiative is incomplete without virtual classrooms.

Vishwanath Shankar has been managing and maintaining online learning management system for the past decade and a half in tandem with experts in web development services. A storehouse of knowledge about LMS (Learning Management Systems), he is aware of the impact aicc LMS distance learning can have on the academic as well as corporate learning. He has been working in close co-ordination with organizations offering web design services to develop user friendly distance learning programs.Carmel Blog2650
Auberta Blog87458

Home Remodelling Loan And Checklist Before Picking A Home Remodelling Loan

On one weekend, a Saturday in particular, I decided to attend a seminar on home remodelling. I Usually prefer to call it home renovation. It was basically for the elderly people.

Am not in the elderly bracket but I decided to attend anyway because I was feeling a bit lonely and wanted to be occupied. On looking around the room, I saw that most people were in my age group.

Think it is because they have to meet most of the cost for refinancing the renovation of the home of their old ones.

This seminar turned out to be good to me and at the end I was convinced it was a good take.

In this seminar, it was revealed that research so far shows this:
It will probably cost anywhere from $100,000 to $150,000 to do a good renovation of a house for the elderly. This seems a staggering amount, until you consider that it would cost them from $3,000 to $5,000 per month if they were to rent a unit in a retirement facility in a location where they might not be as happy. Looking at it from that point of view, in four years or less, they would have spent the money anyway, and at least making home improvements allows them to continue to live in the same location and keep their asset.

The biggest challenge many older adults face when renovating their homes is how to pay for them. Many are on fixed incomes with few resources. Their property may have increased in value, but they are cash-poor.

During this seminar, a flyer was distributed that provided a telephone number for the city and county Elderly Affairs Division Rehabilitation Loan Program. Many cities have similar funds available as a means to assist individuals to stay in their own homes, rather than move to more costly facilities.

I learnt that the loan program was available to a person or family requiring home modifications, based on a health or safety need. The home loan program required that an application be submitted with information about the number of persons living in the household and their combined annual income. This information was then used to determine the interest rate for the loan. For example, for combined incomes of less than $41,000 or so, the interest rate was 2 percent; for less than $52,000, 4 percent; and so on.

Another thing I learnt is that you can also have an option, which is that of a reverse mortgage. A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her own home into cash. The equity built up over years of home mortgage payments can be paid to the owner, but unlike traditional home equity loans or second mortgages, no repayment is required until the borrower no longer uses the home as the principal residence.

Reverse mortgages are available through different lenders, as well as HUD. There are some property restrictions, but single-family homes, two-to-four-unit properties, condominium units, townhouses, and some manufactured homes are eligible. Generally, the greater the value of the home, the older the owners, the lower the interest rates, and the more one can borrow. This is good news right now, with interest rates so low, and it is an opportunity for your patients who have a higher annual income that disqualifies them from other programs. And if they live in an area of the country where land or home values are traditionally higher, such as Hawaii or New York, it may be the best option available for refinancing.

Given the sheer amount you have to invest or borrow, here is a checklist before you decide on any renovation project.

Consider the following before you decide how to finance your home improvement project:

-Talk to lenders about your options.

- Know that lenders are concerned about income, debts, credit history and property value.

-Consider a secured loan when you want to borrow more money, get a lower interest rate or reduce taxes.

-Refinance an existing loan if you have enough equity and if the rates are two points lower now than when you initially borrowed the money.

-Use a home equity line of credit that is secured by your home so youre your interest is tax deductible.

-Take out a home equity loan to get fixed rates and payments.

-Consider a homeowner loan that is secured by your property. Use a value added loan when the improvement you make will have a substantial impact on the market value of your home.

-Do your research before using contractor financing.

Good Luck

Get more information on home loans and loan consolidation by Lubowa.M.Planet. Visit http://www.softerdreams.orgAlina Blog2429
Berna Blog42751

Secured Online Loan: Quick And Trusted Way Of Borrowing Money

Obtaining a loan is not a very difficult task but availing the right deal is surely one. Even if all the criteria are fulfilled, still the main point of thought is the availability of the loan. Is the loan available easily? Is it approved quickly? As an answer to these questions, there is a secured online loan that can remove all this worry from the borrowers mind.

A secured online loan is a multi-purpose loan which can be used for any purpose for the borrower. It can be used for home improvement, debt consolidation, car purchase, wedding expenses, college education funding etc.

The security for the secured online loan is any asset like a house or a car which is placed with the lender. The amount approved is proportional to the equity of the collateral.

While looking for a secured online loan, the criteria of selection should be the low rate of interest. Because of placement of the collateral, the borrower can demand a low rate of interest. The borrower can select the lowest rate deal from the numerous options that are available online for the secured online loan.

Through secured online loan, the borrower can take up an amount of 5000-75000. Due to the loan being secured, the repayment term of the online loan is long ranging from 5-25 years. The borrower should take the loan according to his repayment ability so that he is able to repay the loan as early as possible.

Secured online loan provides a lot of benefits to the borrowers like:

* Easy accessibility
* Numerous deal options to choose from
* Very low rates due to competition

Borrowers having a bad credit history can also apply for secured online loan. As security has to be pledged, the lenders do not have to undertake risk while giving them money as secured online loan.

Secured online loan is the best choice in loans when the borrower is ready to pledge collateral. He can avail maximum benefits by going for this option of secured online loan.

Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the ukfinanceworld. For any type of Secured online loan, loan, loans, unsecured loans, secured loans, debt consolidation loan, mortgage, remortgage visit http://www.ukfinanceworld.co.ukCaye Blog96435
Ardra Blog47280

Searching For Free Scholarship

If you happen to search the internet for scholarships lately, you should have discovered that there are many out there waiting to be awarded. Actually, there are thousands of individual scholarship grants waiting to be awarded to qualified individuals. Meanwhile, a portion of these remains un-awarded either because there are few applicants or there are no applicants who qualified.

Because of this, you might ask: How can I, as an aspirant, increase my chances of landing on the right scholarship at the same time, winning that scholarship?

First and foremost, you need to start searching early. This means, you should start your search for possible sponsors during the beginning of your final year in high school. Or, you can even start searching in the middle of your high school years.

When searching, it is good to look for as much as scholarship grants as you can. In this way, you can have enough lists of potential sponsors that you can apply at. And since no one will hinder you to apply on each scholarship sites, you can increase your chances in getting at least one reply.

Searching early will give you clearer idea on what school to enter, at the same time, doing your search early will narrow down your list of scholarships to apply with reference to the compatibility to the course you are about to take and the school you are about to enter.

Staring your search early will also give you time to prepare yourself in the criteria of your targeted scholarship. In other words, if the type of scholarship you are targeting at requires applicants to have working experience, extracurricular activities, good grades, and others, you can prepare for it before you actually apply.

Knowing the types of scholarships will enable you to choose where exactly do you fit. In reality, there are several types of scholarships with several subs underneath them. Making sure you know what you want and what you are capable of will lead you to better chances of landing at the scholarship that is right for you. This in turn, will increase your chances of winning the scholarship.

These few things will bring you a long way in your search for free scholarship. Remember that scholarships range their grants from partial to full payment on whole college education. And since you wish to aim for the biggest amount, doing best on the application process will give you great advantage in winning your most wanted full scholarship.

This content is provided by Low Jeremy. It may be used only in its entirety with all links included. For more information on scholarship & other useful information, please visit http://scholarship.articlekeep.com.Bridie Blog68772
Alejandrina Blog29834

How Does Credit Repair And Debt Consolidation Works?

Even though everyones financial situation is unique, practically all of us have some sort of debt. It might be huge debt like with mortgages and loans or small credit card or department store credit debt. The only way to wind up with debt is as a result of being extended credit. In these financial times we are in it can be difficult to get by without credit. But too often it becomes difficult to pay off the credit and that is when the trouble begins. Once you are late in your payments, your creditors will report this to the credit bureaus and it will affect your credit rating. When you are stuck with a bad credit report, even if you have a good reason such as illness, etc, it will be very difficult for you to get credit in the future when you are back on your feet financially. This means you may not be able to buy a house or a new car on credit. Or, if you are able to get a loan, it will be from a subprime lender who will charge you exorbitant interest fees.

If you have been through a tough spell and now have bad credit, you can undergo credit repair and one way to do this is through debt consolidation.

One thing about bad credit is that it can continue to get worse. It is not a case of having good or bad credit, it is a case of your credit being assigned a numerical value on a scale from good to bad and with each late payment, your credit slips farther into the bad side of the scale. So to repair your credit you need to get your creditors paid up to date as quickly as possible.

Chances are that you dont have the money to do this or you wouldnt be behind in the first place. This is when debt consolidation can be a useful tool for credit repair. You take out a single load which is used to pay off all your other loans. Now all your bills are paid up to date and you just have one monthly payment to make on your new consolidated loan which probably wont be due for thirty days so you have some breathing room to get back on your feet.

You will still owe the same amount of money, but if you arrange your loan to do so, it can be spread over a long enough period that the payments are more manageable. The advantage of a debt consolidation loan is that it can repair your credit quickly and help you get back on your feet financially.

The disadvantage of a debt consolidation loan is that if you dont use it properly it can get you deeper into financial difficulty. There is a saying that you cant borrow your way out of debt and this is very true. You should examine your financial situation carefully and make sure that your situation has improved so that you will be able to handle the payments on your new loan or you could wind up damaging your credit further and making credit repair even more difficult down the road.

Geoff Spencer is a staff writer at http://www.finance-journal.com and is an occasional contributor to several other websites, including http://www.onlinebusinessgazette.com.Cammi Blog3116
Allx Blog99056

Multiplicity of Debt Consolidation Program is a Boon

Debt consolidation program are especially meant for people who are facing debt problems. And debt problems are of nature which once starts growing; it becomes very difficult to stop them. But as well said iron cuts an iron in the same manner a debt is used to finish the debts of a person. The financial market termed the way of handling debts as debt consolidation program.

Debt consolidation program provides different ways to manage debts. Today various financial companies provides debt consolidation program as per the problem of person. Generally these companies have panel of credit experts who listens to the problem of person and evaluate it. And finally suggest a way to come out of debt problem.

Choosing an appropriate Debt consolidation program is very crucial decision as single wrong decision can worst up your credit situation.

Debt consolidation program is also considered as quickest and cheap mode to manage debts. On availing debt consolidation program the person can reduce his monthly outgoing of money. As the lender of the debt consolidation program combines all the debts of a person and let him pay single monthly installment. In other words it let the person deal with the single lender rather than dealing with number of creditors. It also leads to reduction in the rate of interest. In debt consolidation program the lender negotiates with the creditors of the borrower to reduce the amount of debts. The principal amount of debt is not reduced rather the reduction lies in the various other cost of the loan and even waiving penalties of loan if any.

Usually there are several other ways to eliminate the debts such as IVAs, r bankruptcy. But they are considered as bad credit for a person. So, it is always advisable that the person should avoid such mode. On the other hand, availing debt consolidation program adds to the credit report of a person if timely payments of installments are made to the lender.

Other ways of managing debts which forms a part of debt consolidation program are debt consolidation loan, mortgage or remortgage etc. The functions performed by these are same that is handling debts. But, the person avail it as per his needs because loan may be better suited to person than mortgage and vice versa. This is the reason that why the person is suggested to consult a credit advisor before availing any debt consolidation program.

After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She works for the UK Debt Consolidations. To find Debt consolidation program, business debt management, loans, unsecured debt consolidation loans, secured loans that best suits your needs visit http://www.ukdebtconsolidations.co.ukCalley Blog37390
Ashla Blog50406

Philadelphia Schools Gains New Institute For Teacher Diversity

The Philadelphia schools need to improve the effectiveness and diversity of their teacher workforce. Currently, 85 percent of their students are African American, Latino and Asian, but they have only 38 percent teachers of color.

After discussions initiated by Congressman Chaka Fattah with School Reform Commissioner Sandra Dungee Glenn, Philadelphia schools secretary of education, President and CEO Dr. Sharon Robinson of the American Association of Colleges for Teacher Education (AACTE), and the AACTEs Vice President M. Christopher Brown II, a resolution to the Philadelphia schools diversity problem was conceived.

Fattah, Philadelphia schools officials, and other partners in a joint news conference officially launched the Dr. Ruth Wright Hayre Urban Teaching Institute in April 2006. The institute is supported by the AACTE and Temple Universitys College of Education, and operated by the Philadelphia schools. Its purpose is to train student teachers as urban classroom specialists, who will then be recruited into full-time teaching positions with the Philadelphia schools.

The ground-breaking institute will recruit college students from 700 of the best teacher training colleges across the nation. They are looking for the best and the brightest future teachers, who already are committed to making a difference in urban education. Though they will begin with 20 to 30 teachers this fall, the goal is to prepare up to 100 student teacher fellows each year for urban teaching positions within the Philadelphia schools. At least 50 percent of these teachers will be of color.

In addition to the urban classroom training, the institute will provide:

Improved pass rates among teachers of color on the Praxis exam through a test preparation initiative. The exam is required for teacher certification.

A cultural proficiency program to assist teachers to connect their classroom instruction with the students diverse cultural experiences.

Cultural proficiency standards have been proposed for use in evaluating Philadelphia schools educators.

A teacher diversity advisory council will advise the Philadelphia schools on its teacher diversity initiatives, and will consist of community-based partners.

The Philadelphia schools and Fattahs office will provide funding, with the Congressman pledging to secure grant money for the institute. Marketing efforts have been focused on teacher recruitment from universities with large African American and Latino enrollments in nearby states and Puerto Rico.

The institute is named for the outstanding Philadelphia schools educator, Dr. Ruth Wright Hayre (1910-1998). Hayre was the first African American to teach full time in the Philadelphia schools, the first African American senior high school principal in the Philadelphia schools, and the first African American and female president of the Philadelphia schools board of education. She won numerous awards locally and nationally, and co-wrote Tell Them We Are Rising: A Memoir of Faith in Education with Alexis Moore and Ed Bradley. Hayre exemplifies what the institute stands for diversity and quality teachers. The institute fulfills Fattahs belief that you dont have to sacrifice diversity to have quality in the Philadelphia schools.

Patricia Hawke is a staff writer for Schools K-12, providing free, in-depth reports on all U.S. public and private K-12 schools. For more information on Philadelphia schools visit http://www.schoolsk-12.com/pennsylvania/philadelphia/index.htmlAimee Blog45285
Athene Blog745

IT Marketing: Successful Seminars

Making the most of your IT seminars is integral to your business success. Here are a few important tips for getting everything you can from these seminars.

Registration

Most of your seminars should be free, but you still want to require some type of registration. Have participants fill out surveys at the door with all their contact information and basic questions about why they came, what they're looking for, how their business works, etc. In exchange for this information, you can draw for a door prize at the end of the night. Now that you have all the information you need to contact prospects from the seminar, what should you do?

After the Seminar

Before letting everyone go for the night, hand out a flyer with your contact and business information on it. Also, add a section with a limited time offer. Remember to add some highlights from the presentation or later mail these attendees a short article from the seminar.

For best results, use this same article and try to get it published in the local business journal and other organization newsletters. Make sure you always include contact information so that people can contact you with further questions or request for your services.

You could also use the article as a free report that you can send to companies. Advertising this free report on y our direct mail postcards can be a great way to get responses. Remember to have a deadline on any offer, though, so that you'll get more responses.

A Traveling Seminar

You can also consider conducting a traveling seminar for organizations. Perhaps you could speak at the Kiwanis luncheon or chamber of commerce breakfast. You may also want to talk to some business partners about referring you to potential clients.

Learn more about making the most of your seminars to make your business successful in the complete article (link above).

Copyright MMI-MMVII, Computer Consulting 101 Blog. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

Joshua Feinberg of Computer Consulting 101 helps computer consultants get more steady, high-paying clients. Sign-up now for free access Joshua's field-tested, proven Computer Consulting 101 strategies at http://ComputerConsulting101.blogspot.comAlina Blog82007
Antonia Blog65224

Promoting Yourself on the Traffic Exchange

The traffic exchange is a relatively new Internet tool which provides website owners with the chance to promote their websites. The way in which a traffic exchange works is that webmasters sign up their websites on traffic exchange websites. Once signed up, the webmaster will view other websites in order to gain credits to use towards having their own website viewed by others in the traffic exchange. This is a great way to have ones website viewed and increase the overall traffic which goes to the website. There are a few tips to keep in mind when promoting yourself on the traffic exchange.

Keep Web pages Simple

It is important that website owners keep their web pages simple in nature. This is vital for a few different reasons. First, by doing so the webmaster is exhibiting a web page which is easy to read. This is crucial as the viewer only has a certain period of time to view the actual page so the webmaster should make it as easy to read as possible.

Avoid Creating Web pages with Flash and Sound

Webmasters who will be promoting their website on a traffic exchange should also try to avoid the use of flash web pages or web pages that have sound with them. This is a wise move as those which have flash or sound modes will take longer to appear than straightforward web pages. Although flash and sound tends to add something extra to a website as a whole, it is not very conducive to a web page on a traffic exchange.

View As Many Other Web pages as Possible

For those website owners who really want to promote themselves on the traffic exchange, viewing as many other websites as possible will help them to do so. With a traffic exchange, individuals gain credits towards having their websites viewed by viewing other websites. This is why it is called an exchange. If one really wants to have their website viewed and promote themselves adequately, they should try to view as many other web pages as possible.

Create Quick Download Pages

Lastly, one who is creating web pages to be viewed on traffic exchanges should create them in such a manner that they download quickly and efficiently for the viewer. Although the download speed will partially be determined by the computer which the viewer has, the webmaster can do their part as well to make the download process a fast and efficient one.

Conclusion

Traffic exchanges are a great way to promote oneself over the Internet which has worked wonders for a large number of individuals. By viewing a good amount of other individuals websites and creating web pages which are simple and efficient, the website owner will be able to promote their website to the best of their ability.

Samuel Abdullah is an Internet marketer and has written on a variety of subjects. For more information visit http://samaraffiliatesonline.com/Splash1/index.asp or email him at: samuel@homebizbuilders.comCam Blog13107
Alfreda Blog64530

Amsterdam - Enjoy Treasures Of Art And History In A Bicycle Ride

The early days

Amsterdam was founded as a fishing village around the thirteenth century. During the 14th, but especially the 15th century, Amsterdam underwent a rapid development, which laid the foundation for the Golden Age, when the city became the staple market of the world. The year 1672 was a year of disaster for the Dutch Republic with the French and English attacking simultaneously. Nevertheless, Amsterdam managed to consolidate its prosperity during the period 1672-1795 and managed to retain its position as the financial center of Europe. During the French occupation (1795-1813), Amsterdam suffered badly from the economic recession, a state of affairs reflected by the stagnation of the demographic development. The period 1813-1940 is marked by economic recovery and, from 1870 onwards, by expansion and a rapid population growth, as result of the Industrial Revolution which triggered off a New Golden Age. Shortly before the First World War the city began expanding and new suburbs were built, but in 1940 Germans installed a Nazi civilian government in Amsterdam that cooperated in the persecution of Jews, throwing again the country in misery.

Any time can be the best time to visit Amsterdam. The peak of the tourist season is around Easter and July-August, when the weather is the finest. Weather, however, is never really extreme, and if you're one of the growing numbers who favor off-season travel, you'll find the city every bit as attractive during these months. Not only are airlines, hotels, and restaurants cheaper and less crowded during this time, but there are also some very appealing events going on. Winters are rarely extremely cold, and sheltering in the cosy pubs will give you a chance to meet real Dutch. The cultural season is in full swing between September and May.

Streets breathing history and culture

Amsterdam has a broad spectrum of recreational and cultural sights that range from fascinating old buildings, but of all this mosaic, museums are the main tourist attraction. Everyone knows the Rijksmuseum, Van Gogh Museum and Stedelijk Museum, but there is much, much more.

The pinnacle of sophistication and home to the three major and most important museums in Amsterdam is the Museum quarter (Museumplein), an art lovers paradise which boasts the Rijksmuseum, the Stedelijk Museum of Modern Art and the Van Gogh Museum. Without doubt, any culture vulture will be in their element in this recently renovated quarter. Also, in amongst the stylish hotels and cafs, lays the majestic Concertgebouw, renowned the world over for its breathtaking acoustics and locally, for its free lunch time classical concerts. The Museum quarter is arguably the cultural hub of the city, offering a kaleidoscope of activities and attractions. A stroll down the exclusive P.C. Hooftstraat, Pieter Cornelisz or Van Baerlestraat will take the you into some of the worlds most chic couture houses.

If you seek the natural beauties of Amsterdam, this botanical garden will surely reveal them to you - Amsterdams Hortus has from way back been known as the towns pride and joy, an oasis of peace and beauty at the very centre of the bustling city. Established in 1638 as a herb garden for Amsterdams doctors and pharmacists, the garden is almost 400 years old and it has more than 6000 plants, some of them really unique, as 2000 years old agave cactus. The Museum of Life (Museum van het Leven) will tell you the history of life on Earth by very attractive means, and after visiting the zoo, the Geological Museum, the Zoological Museum, the Plant Houses, the Aquarium or the Planetarium are ready to reveal you ancient secrets.

As for the events you should not miss if you get to Amsterdam this summer, the 10th annual edition of the Comedytrain International Festival features the very finest in English language stand-up comedy, for six weeks in July and August. With the likes of Adam Hills (Australia), Eddie Bannon (Ireland), Adam Bloom (UK), Paul Provenza (US) and Ron Vaudry (Canada), you will leave Toomler in stitches, guaranteed. Beginning with the 11 of August, for five days, special locations in the heart of Amsterdam form the backdrop for more than 80 classical concerts, as the Grachtenfestival catches the public attention. The concerts can be enjoyed in houses and gardens of hospitable local inhabitants and in concert halls, historic buildings, museums and out of doors in the area around Prinsengracht.

A hippie heaven

And because shopping is one of the tourists favorite ways of discovering the city, you will find that there are several shopping corridors in the city and each one has its own charms and specialties. The first one is Nieuwedijk-Kalverstraat, a 1km pedestrian area full of shops, with no traffic other than a constant stream of tourists, students, scholars, excursionists and locals. On the other side of the square you will enter the Kalverstraat, the place where all mainstream brand names have one or more stores. In addition to this, flower markets, bicycles, restaurants, everywhere. If you like a little more luxury, the Pieter Cornelisz Hooftstraat is where you can do some serious damage to your credit card. As the evening falls, Amsterdam starts to sparkle, especially on the nice spring and summer days. While all cinemas and theaters are busy, city clubs, cafs and restaurants are full of joyful, friendly crowd. Between dips into artistic and historical treasures, be sure to take time out to absorb the freewheeling spirit of Europe's most vibrant city.

Laurent Fabier is well known as a partner editor for online hotel reservation services like PlaniGo, economic and marketing sites. His experience ranges from important contributions in written media to news and online travel magazines

Laurent Fabier is well known as a partner editor for online hotel reservation services like PlaniGo (http://www.planigo.com/destinations.html) , economic and marketing sites. His experience ranges from important contributions in written media to news and online travel magazines (http://www.magvoyage.com).Brana Blog28569
Brandy Blog82764

Amp'd Mobile Phones: Can Your Phone Do This?

Amp'd Mobile has phone features that are extraordinary and will meet the expections of the younger generation! Something that will being ringing in our ears will be, "Don't you wish your cell phone was hot like this?" Say good bye to live Larry King streaming video!

Amp'd Mobile is springing forward with such powerful features, that other cell phone companies will watch and learn. The most ingenuis marketing move is using viral videos. Amp'd Mobile phones will allow the use of not just listening to music, but also downloading crazy videos. The use of humor in marketing is extremely effective and is the driving force behind the success of many large corporations. When you see a person laughing at their phone, it just might be a funny video!

Amp'd Mobile cell phones will let you surf the web, play games, access sports information, download music at speeds that will make your jaw drop. Amp'd Mobile does claim to have the fastest speeds in North America! If your looking for some flashy style, that will make your friends take notice, then Amp'd Mobile will meet your desires. Be prepared for the ultimate in dazzling entertainment from Amp'd Mobile.

Let's take a quick look at Amp'd Mobiles cutting edge technology: Text and multi-media messaging support, a vivid 256k color display, EV-DO high-speed data access, a built-in camera with flash and video capture, push-to-talk/walkie-talkie functionality, and a built-in speakerphone. This has got to be the hottest high-tech candy for entertainment on earth!

Let's face it, we have become a society that is so strongly dependent on cell phone technology, that we cannot live without a cell phone. Asurion insurance is the company, that covers the Amp'd Mobile cell phones. If your phone is lost, stolen or damaged Asurion is the ultimate insurance provider. Keep in mind you will need to file a police report for lost or stolen phones.

Wireless Network Magazine said, "Amp'd Mobile brings communications to the next level by providing a smorgasbord of entertainment options to the cellular phones of their subscribers."

Imagine your out somewhere and you set your Amp'd Mobile cell phone down on a table, next thing you know it is gone! This is happening to a lot of Amp'd Mobile cell phone users and this will continue to increase. The Amp'd Mobile phones are very expensive and this makes them a desirable target for stealing.

If you have an Amp'd Mobile cell phone, do not set it down anywhere! Do not leave your cell phone in a car or lay it down in a cab seat! I have heard of cell phones being stolen out of a persons house, while entertaining friends! You may being asking yourself, "why would someone steal a cell phone?" People can use the phone and rack up thousands of minutes, so you want to contact your service provider and have it deactivated immediately. It is wise to have a back up for your cell phone contacts, just in case your cell phone is stolen.

If your phone is stolen and has a lot of personal pictures in it, then someone will be enjoying your personal life! Not to mention, your pictures could be uploaded to the internet! Again, you have to implement a strategy for protecting your cell phone. Worthless belt clips will lead to insurance claims and partying in night clubs is an easy way for someone to snatch your cell phone!

DeWayne H. Strickland has been a Film Freak since the time he could walk. Read crazy movie reviews and learn more about Ampd Mobile phones at: http://www.moviedownloadmatrix.com.Aleece Blog78208
Cathi Blog93933

Bad Credit Debt Consolidation Loans Way to a Debt Free Life

You have a pile-up of debts and now you need to get rid of it. A crisis is awaiting you in case the debts remain the same for a longer period. Though debt consolidation loan is a perfect remedy for eliminating the debts but your bad credit may pose a hurdle in taking the loan. Well change that mindset as there is an especially designed bad credit debt consolidation loan that gives access to the much needed loan without making bad credit an issue.

Bad credit debt consolidation loan is provided for consolidating all your previous debts under one new lender. Now instead of paying monthly installments to different lenders, you pay the installments to only the new lender who provided you bad credit debt consolidation loan. The purpose of taking the loan is to eliminate all those debts which were of higher interest rate. So bad credit debt consolidation loan has to be taken at lower interest rate as compared to the higher rate of interest being paid on previous loans. This means that lender will essentially give you the loan for debt consolidation at lower interest rate despite your bad credit. How does he do that?

Bad credit debt consolidation loan is made available in secured and unsecured options. The secured option can be availed by offering collateral like home to the lender. On securing the loan, the lender provides the loan at lower interest rate without bothering about bad credit of the loan seeker. In case of payment default the lender can recover the loaned amount by selling borrowers property. The secured loan is offered for larger repayment duration ranging from 5 to 30 years. Any greater loan can easily be paid back in the duration.

If you do not want to risk property for a loan or simply because you do not own a property, still you can take unsecured bad credit debt consolidation loan. Prepare a convincing repayment plan and take it to the lender along with proof of your repayment capacity and the loan is given to you. Show the lender your annual income and overall financial standing to convince him. Tell him clearly as to why you failed in timely payments of previous loans. Remember it all depends on how far you can go in convincing the lender that unsecured bad credit debt consolidation loan will be paid off in time. The unsecured loan however comes at slight higher interest rate and for a shorter repayment period and the loan amount on offer may also be smaller.

Bad credit happens when you repeatedly default in making payments and therefore face CCJs or filed for bankruptcy. As a consequence on FICO credit score range of 300 to 850 your credit score is below 600 to be labeled as bad credit.

Before settling for a lender, better compare different lenders who specialize in offering bad credit debt consolidation loan. See who has lower interest rate that you are looking for. Apply online to the lender for a fast approval of the loan.

Bad credit debt consolidation loan will not only pay off your all previous debts instantly but the loan goes a long way in improving your bad credit score also. So make sure that the loan installments are paid off in time.

Peter Taylor is a senior financial analyst at LoansX with an acumen for finance and insurance.In recent years he has taken up to provide independant financial advice through his informative articles.His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas.To find Bad Credit Unsecured Loans, UK Home Loans, Self Employed Loans, Bad credit debt consolidation loan,No Equity Loans, Debt Consolidation Loans that best suits your need visit http://www.loansx.co.uk.Beth Blog11758
Bibbye Blog25884

10 Things You Should Do When Your Computer Freeze or Hang-Up

You are in the middle of doing your work, suddenly you realized your computer hang up. But the problem is, you have not saved your work! Dont panic! There is a solution for that! And you can surely save your file! Heres how:

1. Click on ctrl-alt-delete keys. The windows task manager will then open, click on all programs that you dont need and end the task. You will see that all programs on your taskbar will close one by one. If this will resolve the issue! then save! (tip# 1: if youre working on an MS Office application, it will automatically save your file incase the programs suddenly shut down --- tip# 2: always save your file at least every 2 minutes by just simply clicking on the diskette icon--- its just one click!)

2. If it did not resolve the issue, are there some users logged on that computer? If so, go to switch user (for XP) and log off that user, go back to your log on screen and log on again.

The reason the computer hang up is because if there are many open programs and applications, these retains in the memory, if it is too much for the memory to handle, it freezes! Another reason too the computer hang up is because if you are connected to the internet via dial up, and you are running too many applications and opening many websites. So I suggest, if you are multimedia user or a heavy internet user, then you are better off with a higher memory, at least 512Mb of memory.

There are simple ways to avoid computer to freeze or hang up:

3. Clean your history at least once a week >tools>internet options>clear history. I normally set my history to 0, meaning, when I restart my computer, it doesnt save history pages that I have visited

4. Delete all internet temporary files >tools>internet options>delete files (do the offline content too!)

5. Delete cookies (some do not do this, but I do delete cookies at least once a week!) >tools>internet options>delete cookies

6. Remove unnecessary programs that you no longer use, they are just occupying space and memory! >control panel>add/remove programs

7. Do defragmentation at least once a week >point the mouse to start button, then right click explore>right click the mouse pointing to drive C (which is usually the main system logical drive) >properties>tools>defragment now

8. You can also check the logical drives volume for errors >point the mouse to start button, then right click explore>right click the mouse pointing to drive C (I repeat, is usually the main system logical drive) >properties>tools>check now

9. It is better to have only one user being logged on. Even if there are many users, make sure the user logs off after using the computer, rather than keeping it logged on and you do the switching of users. Switching users is good as long as you dont keep all users logged onI think that is more logical

10. Always shut down properly the computer (do NOT use the power button when turning it off!)

Pinky Mcbanon is an experienced Medical Biller and Coder based in New York. A graduate of Bachelor Science in Computer Engineering. A Medical Practice Billing Consultant. She shares her expertise and knowledge with http://www.medclaimsplus.com. Amara Blog39715
Alison Blog66072