Terk Hdtv Antenna: September 2008

Paid Surveys Are An Easy Way to Supplement Your Income

Paid Surveys Are An Easy Way to Supplement Your Income
By Rick Johnston

I don't know about you but I've made money doing paid online surveys. It's a great way to make a little extra money, but there's a few things that they don't tell you in the sales letter.

First off, get another email account that you don't mind getting spammed. As soon as you sign up, you'll get slammed with every offer under the sun. Then if you try to unsubscribe, you get put on another list where they sell you something else. Even with the Can Spam Act, they still do it. Many of these guys are overseas where American laws don't apply.

Secondly, you'd better realize you'll be spending a great deal of time doing paid surveys online. A typical Information Technology survey can go for over a half hour. Couple that with all the smaller things, you'll have to do and you won't get out from in front of the computer.

Thirdly, this won't make you rich. They showcase a lady that makes 2000 dollars a month. Do I believe it? Yes, but that lady is not leading a very fulfilling life. She's probably chained to her computer. I make about 100 dollars a month, extremely part time. Will you do the same? I have no idea so I won't guarantee you'll do the same. My job in information technology is why I keep getting higher dollar surveys.

Next, you must sign up for a bunch of different paid survey services. You can't sign up for one service and expect to get anywhere. After a while you can decide which services are sending you survey's you want to do and get rid of services that aren't working out.

Many different company's and industries need your unvarnished opinion on their produccts. Examples of industries that use paid online surveys are automotive manufacturers, IT consulting companies, airlines, supermarkets, and hotels. If you have a strong interest in one of these businesses when a survey is made available you will be contacted and asked to participate. You may even get to participate in a focus group.

In conclusion, paid online surveys are an easy way for just about anyone who spends time at the computer to make a little supplimental income. They are also a great way of making sure your opinion is heard and really knowing that someone is taking your suggestions into consideration. Who knows, maybe your suggestion or opinion will change a major product or service.

Rick Johnston is the owner of http://www.ebookpayoff.com. It is a site that deals with paid online surveys and other ways to make cash online.

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Causes of Acne

Causes of Acne
By David Chandler

Acne is an inflammatory skin disease that is caused due to certain biological variations in the pilosebaseous units (skin structures consisting of a hair follicle and its connecting sebaceous gland) of the skin. The most common form of acne known as acne vulgaris usually appears during adolescence.

Acne is caused due to excessive oil in human body. The glands in the skin secrete excessive amount of oil that block the hair follicles by combining naturally with the dead skin cells. Generally, people who eat a lot of oily food suffer from this problem.

Due to acne some parts of the human body are affected. Some of them are face, arms etc. The oil secretions behind the blocked pores create a perfect environment for uncontrolled multiplication by the bacteria in the skin. In response, the skin inflames, producing the visible lesion (acne). Rashes are occurred on the body. The face, upper arms, back and chest are especially affected by acne.

The certain lesions of acne are: blackish elevations or pale yellow and/or small whitish bumps. More inflamed rashes take the shape of boil-like tender swellings or reddish bumps. After resolution of the blemishes, prominent unsightly acne scars may remain.

The acne condition is common in puberty as a result of an abnormal response to normal levels of the male hormone testosterone. Acne occurs when the hormones are increased due to excess oil in the body. There is however no way to predict how long acne will take to disappear completely or that it will ever recur again.

Acne affects a large percentage of humans at some stage in life. Apart from leaving behind the marks of scars it has some psychological effects as well causing stress and depression. Therefore acne should not be neglected and should be treated with great care and responsibility to ensure a healthy life.

For more information about acne, click on Acne Treatment

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Buying Articles from Someone Else? Why You Still Need to Write Your Own

Buying Articles from Someone Else? Why You Still Need to Write Your Own
By Denise Willms

There is a time and a place for just about anything. That includes articles you dont write yourself.

With high quality Private Label Rights (PLR) articles, affordable ghostwriters, and even software that can write articles for you, why bother writing your own articles and web content? The articles you buy have the exact words and content you need and, after all, you do own the rights.

But there is one very important thing these articles cant do. They cant BE you. PLR articles, though they may be well written, arent going to tell your reader anything about who you are. Even a ghostwriter, unless you have a very good ghostwriter and youve given him or her good notes to work from, cant sound like you. Computer generated articles are occasionally written in proper English, but they cant show your personality.

One of the most important things your articles can do for you is help your audience get to know you. As your reader, I want to see your personality, hear your opinions, understand what you think. Even if I disagree sometimes, I really do want to know who you are.

Someone once told me that writing is the closest thing there is to true telepathy. You, the writer, have an idea you want to share. You put your thoughts into writing. When others read your article, theyll read the exact words you were thinking. Even if its not telepathy, your writing still has amazing potential to build a connection between you and your reader.

Some of the most successful writers, on the web and off, write just the way they talk. Readers love to hear the authors unique voice come through their written words. It makes the article interesting and it helps the reader make a connection with the writer.

And that leads me to why its so important to show who you are through your articles. On the Internet, where trust is always a concern, your writing helps us get to know you and learn that we can trust you.

There may be a place for PLR and ghostwritten articles in your business, but dont rely on them alone. Take some time to share yourself with your audience through your own articles too. The rewards are long lasting and well worth your while.

Denise Willms is co-owner of WAHM-Articles.com and author of the eBook, Uncovering the Secrets of WAHM Article Marketing.

Visit http://www.wahm-articles.com to get your free copy and to submit your own WAHM articles.

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~AUTO ACCIDENT INSURANCE CAIM~ Getting Reimbursed For Your Pain and Suffering

~AUTO ACCIDENT INSURANCE CAIM~ Getting Reimbursed For Your Pain and Suffering
By Dan Baldyga

Youve had a motor vehicle accident some time ago when a local character by the name of Fred Fuddle smashed into your rear end but now you're in the home stretch with his Adjuster, I. M. Strong, and youre going to be paid for your loss by Strongs employer, Rock Solid Insurance. A good portion of it will be for your Pain and Suffering. That is, in the lingo of insurance claim settlements, your Compensatory Damages. Let's talk about that:

BODILY INJURY PAIN: How much pain can an individual stand? The answer to that is: Reaction to pain not only differs with each of us, but often within each of us. While pain can usually be scientifically measured, the limits of human endurance cannot. We all have a different Pain Threshold - - that is, the point at which we begin to feel physical distress as we enter into, and then deal with, a period of suffering.

A lot depends on what's going on in your life and how you experience it. Temperament and psychological factors are involved. Like, for example, your personal life is in a shambles (for any number of reasons) and that has hindered your ability to recover. Or, perhaps the company you work for is on the brink of bankruptcy!

The mechanism through which you feel an injury is so complicated that there are times when the same pain appears to be more (or less) than that of previous days. For example: one day you have a problem that causes you to complain endlessly. This makes you impossible to live with and your pain seems to be much stronger. Yet, a similar situation on a much better day, doesnt upset you so profoundly and the pain is not nearly as bad.

YOUR PAIN AND SUFFERING (Your Compensatory Damages): The type of injury you suffered, as a result of Fred Fuddle crashing into you (plus the nature and length of your treatment) are two of the best indicators for both the adjuster and Rock Solid Insurance to consider regarding the Pain and Suffering you experienced. However, there are several other areas you should call to the attention of Adjuster Strong so as to make him aware of what you've been dealing with.

MEDICATION: The fact that you were prescribed either over-the-counter or prescription medication by Ole Doc Comfort, your family physician, to relieve pain, inflammation (and/or any other injury symptoms), will help to convince I. M. Strong that your injuries were serious and caused you to endure a great deal of Pain and Suffering. No matter which way you slice that cake, the more powerful the medication, and the longer its prescribed for, the greater the value your claim will be. That's a fact of life in the business of insurance claims.

LENGTH OF RECOVERY: The longer your recovery period, the greater your Pain and Suffering- - therefore the higher the settlement value of your bodily injury. Make sure Doc Comfort clearly indicates this in his Final Medical Report. Tell him he must state in writing (via the weeks and months) how long it will be, before you were able to engage in your routine activities. Make sure he doesn't send that report directly to Adjuster Strong. You get it first and then later on youll send it along to Strong. But, before you do, read it. If good Ole Doc Comfort hasn't clearly stated this, hand it back to him and tell him he must. You have every right to insist that he does. You're paying his bills, it's your report, your insurance claim, and your big bucks he's not being serious about!

As long as you continue to have physical problems you should keep going back to see your doctor, again and again, and again ! Other than the obvious Pain and Suffering it will help to convince Rock Solid Insurance youve endured, there are two other very good reasons for doing this. They are as follows:

(1) The fact that your records show visits to your doctor, four, six, eight (or even more) weeks after the accident, will convince Adjuster Strong and Rock Solid that your injury took a long time to deal and required continual attention. (Plus it clearly indicates each and every day you were unable to work and therefore it proves, beyond the shadow of any doubt, the income you lost). Never forget: Your attending physicians Medical Report is the only way you can prove you were unable to work and in any court of law that will justify your claim for lost wages.

(2) When you visit Doc Comfort be sure to tell him there's been little (if any!) decrease of your pain, discomfort, stiffness or immobility. Make sure, when he does execute that Final Medical Report, this is clearly stated in his written remarks. If it isn't you have every right to go back, hand it to him and insist that it is.

SCARS: In many instances large and obvious scaring increase's the value of your claim (big time!) - - especially if the scarred portion of your body is visible. If you've been sitting at a desk for 25 years, your chin is double, your hair is gone, and you own a bulging stomach, and thats where the scar is, its not going to be worth much. But, if you're a tall, dark and handsome, twenty year old and the scar is on your face, than it's worth a ton. Take colored photographs of every scar and every scrape that causes swelling and/or discoloration to your skin plus every mark on your body! After youve handed a copy of those photographs to Adjuster I M. Strong hell be sending them to his boss in the Home Office. Ive been in that seat so I can flat out guarantee you his immediate superior in the home office will stare at those photos and gulp. Hell blanch, take a deep breath and send Strong a one liner that reads something like: Do whatever it takes to get rid of this one. Se!

ttle it and lets move on.

If the scar is bad enough insist that Dr. Comfort refer you to a Plastic Surgeon for an opinion as to whether your scar can be repaired and/or removed. Once you've been examined ask that Specialist to detail in writing (and insist that he send his report to you) how much it will cost to make it look right again. You may never get it repaired, and/or removed, but include that Plastic Surgeon's report, plus copies of the bills youve accumulated because of your visits to him, and hand them to Adjuster Strong. This will absolutely, positively give your claim more value !

QUESTIONS & ANSWERS REGARDING OBTAINING THE SERVICES OF A LAWYER:

QUESTION: Is it necessary to obtain the services of an attorney who will take a cut of 33 1/3% of the settlement (in some states up to 50%) he recovers from the insurance company of the individual who struck you? ANSWER: Yes, there are some situations where it makes sense to do so. HOWEVER: Especially in a case where the impact is absolutely not your fault in any way, shape, manor or form - - you should be clear with the lawyer you choose that those out-of-pocket expenses you would have been paid (weather they represented you or not) should not be part of his settlement!

Lets say, for example: You were at a dead stop while waiting for a light to change from red to green, when struck a tremendous blow in the rear by a distracted driver. Its 100% clear to all concerned that the damages you received will be paid by the insurance company of the individual that struck you.

The property damage to your motor vehicle is $2,800, your lost wages are $450, your final Doctors bill (plus all your other Out-Of-Pocket Medical Expenses) comes to $750 for a total (Property Damages/Lost Wages/Medical Bills) of $4,000. you live in an area where the lawyers typical Contingency Fee is 33 1/3%. QUESTION: Should that lawyer take 33/13% ($1,333.33) of that $4,000? ANSWER: No! QUESTION: Why not? ANSWER: Because you were going to get that $4,000 weather there was an attorney representing you or not! In a situation where the liability is clear the attorney should take, as his fee, 33 1/3% of everything he gets above and beyond , that $4,000!

So, lets say the attorney obtained a settlement of $4,800 for your Pain and Suffering. When that figure is added to the $4,000 of Out-Of-Pocket Expenses (as detailed above) the total would come to $8,800. To be fair he should not take 1/3 of $8,800 ($2,933.33 - - thus leaving you with $5,866.66) but 1/3 of the $4,800 ($1,600 - - thus leaving you with $7,200). QUESTION: What has he done to earn that additional $1,333.34? ANSWER: Absolutely nothing!

DISCLAIMER: The only purpose of this article ~ AUTO ACCIDENT INSURANCE CLAIM ~ Getting Reimbursed For Your Pain And Suffering is to help people understand the motor vehicle insurance claim process. Neither Dan Baldyga nor ARTICLE CITY make any kind of guarantee whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUALS RESPONSIBILITY to obtain such services.

Dan Baldygas third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://autoaccidentclaims.com or http://wwwcaraccidentclaims.com. This book reveals How To successfully handle your motor vehicle accident claim, so you wont be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury.

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail to: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On Internet At: http://www.autoaccidentclaims.com
Or: http://www.caraccidentclaims.com

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manger and also a trial assistant. He is now retired and spens his time attempting to assist those involved in motor vheicle accident claims so they will not be taken advantage of.

dbpaw@comcast.net

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Supplement Your Income

Supplement Your Income
By Anurag Tyagi

Most of us have one common dream and that is to earn money, own a luxurious house, drive fancy cars and possess all those electronic gadgets that make our life comfortable.We keep striving throughout our life to acquire all these but some of them still remain unfulfilled because of our limited income.

We often think that if we could supplement our income by having some extra source, as with the time our needs also grow. And for all our life we keep trying to establish a balance between our needs and our capability (read it cash ability) to fulfill those needs. But in the global economic scenario of todays market, things are easier to achieve if planned pragmatically and meticulously.

Home based business is one of the best options to choose, amongst many, to supplement your income. It holds numerous advantages for working people who get little time to try their hands in any other business. Home based business holds plenty of benefits like work while you continue your regular job, flexibility of work timings, regular income with little efforts, etc.

Find one of those home based businesses that suits your basic skills and interests. Plan your timings. Initially you may face difficulty in managing both the fronts, i.e. your home based business and your regular office job but once you are able to streamline things, you will start enjoying the various benefits attached to home based business. A regular inflow of extra income will make you richer soon and you can have all that you could only dream till now.

You can easily search for home based businesses opportunities on internet and be your own boss. Get rewarded for every single effort you make for generating revenue. Invest a part of it to further expand your business and keep doing so till you reach to your pinnacle of satisfaction. There is no limitation of this business style in terms of cash flow and growth. Find something lucrative for you now.

Anurag Tyagi is a contributor to World Freedom Group, a website providing Home Based Business Opportunity

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Dog Health Supplements for the Dog

Dog Health - Supplements for the Dog
By Chad Hartman

The dog is considered a long term investment. This may not make the person that much money unless the owner decides to join dog shows or sell the puppies off when the se are born.

The best way aside from vaccinations to make sure the dog is healthy at all times will be to give supplements. There are many kinds around which work on something specific and it is best to ask the vet before buying and giving this to the animal.

Multivitamins are there to provide added nutrition to the dog. These also work to enhance the skin and the coat of the animal. There are many versions around which can be fed by hand to the animal or mixed in the food. The person can find these in 50 tablets to 180 tablets which cost from $5 to $12.

The dog needs calcium to develop strong bones and better posture. This can also be purchased in 60 to 180 tablets per bottle and given to the animal at least once a day. The price range is around $10 to $26.

Not all dog supplements can be found in tablet form. There are also some in liquid which can be mixed with the food or given using a spoon or a syringe. This is designed to help control flaking, itching and shedding at the same time adding luster to the coat. These items range from $5 to $21.

Dog supplements are also available in powder form. These usually contain Omega 3 or 6 and some other fatty acids for normal digestion, proper bowel movement, balanced energy and make the skin and coat healthy. The person may buy a can for $5 to about $71.

Other supplements are designed to improve mental and physical performance by helping the dog deal with stress, aging, weakened immune system, free radical damage and poor oxygen availability.

Dogs need pain killers just like humans. These are designed to provide relief from joint stiffness, osteoarthritis, pains and inflammations. The person can give this orally or rub this on the part of the animal where the pain is located. Painkillers can be used as often as necessary until the pain goes away. These usually cost from $24 to $60.

Aside from the supplements made from artificial ingredients, there are also some that are 100% natural. These products sometimes perform better than other brands found in the market. These can be injected , mixed with the food or also rubbed on the body.

These dog supplements are made from herbs and seeds which helps cleanse the body from within. Wild yam and corn silk will help the urinary tract while soy protein will slow down the process of aging. Cats claw will also help strengthen the immune system against diseases.

The products offered by the manufacturers covers everything from health to pain killers. The price ranges of these are reasonable to expensive so the individual should check the budget first before going on a shopping spree.

People who really love dogs only want the best products in the market for the dog. The person can ask the vet or other owners which are the best before buying this and giving to the pet. The person may order this online or get this straight from the clinic, the supermarket or the pet store.

Chad is a dog lover who enjoys researching and writing on the subject of dogs and dog health. View his healthy dog site here:http://dogfoodsecret.com/dog-health

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~Car Accident Insurance Claim~ Regarding Impacts And Injuries

~Car Accident Insurance Claim~ Regarding Impacts And Injuries
By Dan Baldyga

As of January 2003 it was determined that in the good ole US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Lets take a look at four of the most common of these gazillion impacts and the typical injuries they cause.

#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that are considered to be any collision that takes place at speeds under 10 MPH. While there is absolutely no justification to call it a Low Speed impact thats what the insurance industry loves to identify them as. Why ? Because a moniker like that is supposed to indicate that the, so-called impact, you were subjected to could not possibly have caused an injury.

Its true that when such a crash does take place theres often not a lot of damage done to the motor vehicle and yet, in most cases, people involved in these types of accidents more often than not suffer injuries - - neck injuries especially!

Although the insurance industry would like to have those making a claim think differently an injury can and absolutely does occur when a low impact collision takes place. The most common is identified as the Whiplash. This takes place when the occupants dont have the slightest idea about the impending collision so they cant brace themselves by forcing their back and/or neck against the seat or headrest. Because of this their body gets whipped and snapped about something fierce.

Automobile bumpers are built to withstand up to a 5 MPH crash without damage. This is not done to insure the safety of the occupant but rather to protect and limit the damage to the bumpers, keeping the cost of repair to a minimum. Many times vehicle to vehicle impacts can sustain an impact of 8 to 9 MPH before theres recognizable damage to the motor vehicle. However, when the bumper doesnt crumble and absorb the force of the impact, more of that crash is felt by the occupants. IMMEDIATE INJURIES: The individual thats been crashed into by another (even at only 5 MPH) is thrown forward with a severe jerking motion - - causing necks to snap and backs to twist. Because of this many Soft Tissue styled injuries take place, including multiple body bruises, plus chest and rib injuries. In most cases adjusters attempt to deny the possibility of injuries in a low speed impact but research substantiates just the opposite! Sure, the motor vehicle will show little damage but the velocity and accompanying force have to be transferred somewhere, and thats to those sitting in that vehicle. Cars are built to withstand such minor impacts - - the human body is not!

#2. FRONTAL COLLISIONS: In most frontal impacts the occupants can generally brace themselves because theyre usually aware of the collision theyre about to be subjected to. In Frontal Collisions the speed and weight of the vehicle play a role in the injuries of the occupant. (The more the vehicle crumbles at impact the less severe the injuries to the occupants. Many times airbags will deploy). In frontal impact collisions the speed and size of the vehicle determines the injuries that can take place. (And - - getting back to rear-end collisions for just a moment - - the striking vehicle not only undergoes a collapse, but transfers momentum to the car thats been struck by pushing it forward. The airbag may or may not explode. This depends upon the rigidity of the vehicle thats been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib and clavicle, arms and legs, concussions, soft tissue, internal, dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache, blurred vision, dizziness and loss of taste, smell or hearing. Also, difficulty breathing, blood in urine or stool, swelling, loss of motion and visualized bruising take place.

#3. SIDE IMPACT: Many times the occupants head will hit the side window and bounce off of it. There are no air bags nor bumpers, engines, etc., to help protect ones body or absorb the force of the impact. IMMEDIATE INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes and bruises. 48 to 72 hours later: Pain, headache, blurred vision, dizziness, loss of taste, smell or hearing, numbness or tingling (and basically the same as those listed above) so, at the risk of being repetitious but because its so important, I must say once again: Its of major importance that the individual exposed to impact - - no matter how slight it may seem to have been - - should immediately be examined by a medical professional.

#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious. The most common factors in single vehicle accidents are approaching a curve at too high a speed, leaving the pavement or highway, or over-correcting the steering wheel - - particularly in vehicles with a short wheel base. The severity of injuries to the occupants generally depends on the beginning velocity of speed, the number of rolls, condition of the vehicle, and what your motor vehicle rolled through, over and into! Damage to the vehicle is generally extensive. It has been determined that 60% of the economic costs from roll-overs resulted from occupant ejection, and that the initial roll-over speed was between 40 to 60 MPH. (A recent study reported that restrained occupants showed a higher proportion of neck injuries than the unrestrained).

IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.

*******************

The bottom line (to all 4 of the above) is that in all motor vehicle accidents - - no matter how minor the damage its of the greatest importance that each and every individual immediately visit a medical professional for a physical examination and/or consultation. So, should you find yourself at the scene of an accident and somebody asks if you think they should see a doctor, your answer should always be, ABSOLUTELY ! Stare straight into their eyeballs and tell them, Its your body. Theres only one to a customer. You should do whatever you can to take care of it and protect it.

DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING IMPACTS AND INJURIES is intended for background information only. Its purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any guarantee of any kind whatsoever NOR purports to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. where such professional help is desired IT IS THE INDIVIDUAL RESPONSIBILITY TO OBTAIN IT.

Dan Baldygas third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at: http://www.autoaccidentclaims.com. This book reveals How To successfully handle your motor vehicle accident claim, so you wont be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury.

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733 0127 FAX: (413) 731 8358
Mail to: mailto:dbpaw@attbi.com
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)
Found on the internet at: http://www.autoaccidentclaims.com

About The Author

For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retried and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.

dbpaw@attbi.com

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Property Renovations: Part 2 More Focus Areas

In Part One of our discussion, we focused on several aspects of home renovation that are important for success in your investment. Last time, we focused on more of the smaller details - the garden, repairing and touching-up minor damages, fences, etc. Now, we should focus on some of the more noticeable areas of property renovations.

It?s very important to check for any electrical or plumbing problems before you start doing any painting on the interior of the home. This way, you won?t run into any problems down the road with re-painting if any damage occurs.

Painting your interior is important stuff - you?d be surprised at the degree that paint affects the selling price. The key is to do your math first; if you feel like painting yourself would save enough money and could be in done in an adequate amount of time, you should use the do-it-yourself approach. However, if you are inexperienced and are unable to devote enough time and effort into the project, letting a professional do the job is probably the safest route.

When approaching the paint job, keep in mind the K.I.S.S. principle: Keep It Simple, Stupid! Don?t let your personal preferences affect the way you go about your property renovations. The following are some basic painting rules you should follow:

1. Always prepare surfaces prior to painting. Be sure to wash down walls, and repair any cracks or holes, and sand, where needed. Bathrooms and kitchens are the most susceptible to grime and mold, so pay close attention.

2. Use one color. It saves you time and money. Gloss paint usually appears darker, providing slight contrast. The condition of the trims should determine the use of gloss or semi-gloss. Remember, as well, that gloss tends to highlight imperfections.

3. Make a trip to the paint store and browse the newest colors. Feature walls are an effective way to add some pizzazz to your paint job. Dark, small rooms and dark paint do not mix; this only enhances the problem.

4. If there are darker colors or wall stains, you should use a special sealer. If you don?t, and you apply extra coats of paint, the walls will remain stained.

5. Wallpaper trims often add a nice touch, so apply when needed.

The kitchen, for many homeowners, is the center of attention. Kitchen remodeling, however, can get pricey, so you may want to stick to changing minor features on the property. Renovations such as new bench tops, repainted cabinet doors, and new wall tiles are all simple fixes. New door handles, faucets, and wallpaper trims are all low-cost solutions, as well.

Sometimes a quick facelift isn?t enough. On some occasions, a kitchen may need to be fully replaced. If this happens, remember the K.I.S.S. approach, and don?t go overboard. Many suppliers offer kitchen kits which are ready to assemble; these can help save loads of time if you come across them. Keep the kitchen light and bright, with cheerful curtains.

Make sure all appliances are in working order, and only replace if it is unavoidable. Install a durable floor, and test all faucets, to ensure that water pressure is adequate. If you run across second-hand items in good condition, make use of them.

Everything you just read is very important to property renovations, but we are finished here, yet. In the third installment, we?ll discuss even more tips that can help you achieve success.

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~The Base Formula~ A Settlement Example

~The Base Formula~ A Settlement Example
By Daniel Baldyga

~THE BASE FORMULA ~

A SETTLEMENT EXAMPLE

Because Ive received so many contacts, and questions, regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula) from the readers of the sensational EzineArticles.com Ive decided to provide you-all with insights (via a Settlement Example) regarding THE BASE FORMULA.

OKAY, SO HERE WE GO: Its 10:00 AM on a clear, dry day. Youre operating your motor vehicle north on Main Street in your home town. Youre 62 years old and the assistant manager of a local video store.

Fred Fuddle is a chronically unemployed local with a reputation for being a loud-mouth degenerate who has a string of convictions for drunken, disorderly conduct.

Fuddle is driving his dilapidated van at a high rate of speed, proceeding East on Elm Street. As you approach the intersection of Main and Elm you have a green light. You proceed through, perking along under the posted speed limit. Too late, Fuddle realizes he has a red light. He hits his brakes, leaving 70 feet of skid marks behind him as he flies into the intersection. The front of his van strikes your left rear with a mighty crash. Your arm hits the steering wheel and the $300.00 watch your spouse gave you for your last birthday is smashed. The Property Damage to your motor vehicle will be determined to be $1,700.

The police investigate at the scene. Fuddle is charged with dangerous driving: You note that this is written up in the Police Report. The ambulance takes you to the Angel Of Mercy Hospital Emergency Room, where youre x-rayed and treated. Diagnosis: A mild to severe strain to the cervical-dorsal area which is known as a Whiplash-Type of injury.

Youre eventually treated by your family physician, Ole Doc Comfort. (You later ask for and receive copies of all medical reports from the Angel Of Mercy and also from Doc Comfort).

As soon as possible, after the impact, you asked you son Chip to return to the scene of the accident and he snapped a dozen close-up photos of the skid marks plus the damages to your motor vehicle and then Fuddles van. Chip very wisely visits the police station where he purchases a copy of the report that the Cruiser Patrolmen wrote at the scene.

YOUR FINAL SPECIAL DAMAGES ARE AS FOLLOWS: Ambulance, Emergency Room, X-Rays, Prescription for pain, Heating Pad, Dr. Comforts bill, plus your Lost Wages. THE FINAL TOTAL OF YOUR SPECIAL DAMAGES COMES TO: $1,831.15.

PROPERTY DAMAGES: Cost to repair your (car - motor vehicle) $1,750.00 plus the provable replacement of your wrist watch $300.00. TOTAL PROPERTY DAMAGE LOSS: $2,050.00.

Using the Formula (as detailed by BASE which is found in my book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM) you determine that the value of your Personal Injury claim falls into the 4 areas provided by THE BASE FORMULA and (in your particular situation) they are: THE PREMIUM VALUE $7,324.60, THE MEAN VALUE $6,408.02 THE CORE VALUE $5,493.00 and a LOW VALUE $3,680.00.

Your case has a number of positive factors that fall on your side of the evaluation ledger, such as: #1. Fred Fuddle is far from being a model citizen. #2. He was driving his vehicle much too fast, as evidenced by the skid marks Chip capture on film. #3. The police cited Fuddle for operating his van in a dangerous manner, as proved by the copy of the Police Report you now have in your possession.

Ole Doc Comforts report (which you have a copy of) indicates you sustained a Whiplash-Type injury to the cervical-dorsal area. Following Doc Comforts instructions (as written into his report) you purchased a heating pad (a copy of the bill you have for proof) which you used for 5 days to help relieve your Pain and Suffering. In addition to the hospital bills, youve also kept copies of the pain killer prescription drugs that Doc Comfort insisted you must take.

Now, enough time has passed for you to sit down with Insurance Adjuster I. M. Smart of GRANITE MOUNTAIN INSURANCE CORPORATION. Smart knows the potential of your developing more physical problems (which can be tied into the accident) is much greater because of your age. No matter which way Smart would like to slice your cake hes aware that you went through a ton of inconvenience plus a solid period of Pain and Suffering which has been sustained within the confines of Doc Comforts written report.

As detailed in THE BASE FORMULA your Personal Injury claim positions itself in the area of THE PREMIUM VALUE. You must aim for a settlement as close to this figure as possible. PLUS the $1,750 Property Damage of your motor vehicle and also the $300 to replace your new wristwatch.

How one can and must proceed to do this (plus THE BASE FORMULA) is detailed in my third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com.

DISCLAIMER: The only purpose of this article ~ THE BASE FORMULA ~ A SETTLEMENT EXAMPLE is to help readers understand the motor vehicle accident claim process.

Dan Baldyga makes no guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBILITY to obtain such services.

About The Author:

Dan Baldyga worked for over 30 years as an insurance adjuster, supervisor, manager and trial assistant. Since his retirement he has written 3 highly successful How To Insurance Claim books. He now spends his time attempting to assist those involved in motor vehicle accident claims, so they will not be taken advantage of.

Dan Baldyga - Author
dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
http://www.autoaccidentclaims.com

For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of. Mail to:dbpaw@comcast.net

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In Commercial Real Estate Always Get an MAI Certified Appraiser

The appraiser that you hire for your commercial investments before you buy can have a great impact on the amount of money you spend and your chances of getting funding from a lender. Most lenders will not accept just any appraiser. If you get an appraisal with an appraiser that a lender does not accept, you have just wasted your time and money, and you are no closer to getting the property you want.

In the world of commercial real estate, not all appraisers are considered equal. It takes a certain expertise and knowledge to correctly appraise commercial property, and not just anybody is qualified. There are two types of appraisers, a fee appraiser and a staff appraiser. A fee appraiser is generally available to the public for hire, and a staff appraiser works for a specific lender or lending firm.

Let's look at what makes a qualified appraiser and how they can help you purchase the property you want with as little hassle as possible.

It is common practice for a lender to appoint the appraiser that is to appraise the property in question. This practice is in place because there are dishonest buyers who work with certain appraisers that will inflate the property's true value. This, in turn, allows the buyer to borrow more money than what a lender would normally allow, thus increasing the lender's risk.

Inflating a property's true market value is surprisingly easy because appraisals are simply guesstimates of a property's true market value. They are interpretations based on the surrounding property and selected criteria. An appraisal can be ?fixed? according to a person's interest. That is why the two parties must not have any prior dealings or common interest in the subject property.

A very widely used and accepted type of appraiser is one that is certified by the American Institute of Real Estate Appraisers. They are members, making them M.A.I. designated. Most lenders will require that you use only an MAI appraiser. These MAI appraisers have gone through intense study, years of practice, and have had to perform under tight supervision while appraising many different properties.

Most MAI appraisers will not conspire with a borrower because there is too much to lose and too much invested in their practice. For this reason, most lenders will accept MAI appraisals regardless of whether or not they know the appraiser personally. For the most part, lenders will have trusted appraisers that they work with all the time, and will require that you use only their appraisers. Be sure to get clarification on this issue before you hire an You can trust MAI appraisers to perform an accurate evaluation of your prospect property. With this appraisal, you will be able to get the proper amount of money loaned on the property and not come out short.

It is always a good idea to research your appraiser and view some of the work that he or she has done in the past. The appraiser and the appraisals should be of the utmost professional quality because so much is riding on their appraisal. Even if it costs you more money, always use an MAI appraiser to avoid problems with the lender and unnecessary expenditures.

MAI appraisers are crucial to your commercial real estate investing endeavors, and can carry quite an impact on the money that can be loaned to you. To get the money you expect from a lender, use a MAI appraiser every time!

Tony Seruga, Yolanda Seruga and Yolanda Bishop of http://www.maverickrei.com specialize in commercial and investment real estate. As of May, 2006, they and their partners are managing over $600 million dollars worth of new projects.

Progesterone Supplements

Progesterone Supplements
By Kevin Stith

Progesterone is a hormone produced by the ovaries that helps maintain a normal menstrual cycle. By preparing the lining of the uterus for implantation by the embryo, Progesterone also plays a critical role in maintaining the early weeks of a pregnancy. At approximately the eighth week of a normal pregnancy, the placenta takes over the role of producing Progesterone for the remainder of the pregnancy. Progesterone helps relax the muscles in the lining of the uterus, and also helps the breasts to develop in preparation for milk production after the birth of a baby.

Some women have ovaries that do not produce adequate Progesterone. These women may experience difficulty in conceiving, or in maintaining a pregnancy once conception occurs. For such women, Progesterone Supplements may be prescribed. When given after ovulation, Progesterone Supplements act on the lining of the uterus to make it thick and nutrient-rich in preparation for implantation of the embryo. Progesterone Supplements may also be prescribed in early pregnancy if a womans blood Progesterone levels are low or if she has a history of repeated miscarriages. Such supplements are typically prescribed for several weeks.

Progesterone Supplements may be taken by mouth, as injections, or as vaginal suppositories. While most oral Progesterone Supplements are capsules, there are some supplements called troches that are placed under the tongue to dissolve. Progesterone injections are usually given in the buttock area, and are reported by some women to be more painful and to cause more soreness than many other types of injections. A Progesterone suppository is inserted into the vagina. It may cause some leaking; this is normal and does not mean that Progesterone is not being absorbed. Progesterone Supplementation may cause some common but transient side effects such as nausea, tiredness and breast tenderness.

Progesterone provides detailed information about progesterone, natural progesterone, progesterone benefit, progesterone creams and more. Progesterone is the sister site of Colostrum Milk.

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B Complex Vitamins and Their Importance in Health and Disease (Part II)

B Complex Vitamins and Their Importance in Health and Disease (Part II)
By Grata Young

Pyridoxine

Vitamin B 6 or pyridoxine is actually a group of substance - pyridoxine, pyridoxinal and pyridoxamine - that are closely related and function together. It helps in the absorption of fats and proteins, prevents nervous and skin disorders and protects against degenerative diseases.

The main sources of this vitamin are yeast, wheat, bran, wheat germ, pulses, cereals, banana,walnuts, soyabeans, milk, egg, liver, meat and fresh vegetables. Deficiency can lead todermatitis, conjuctivitis, anaemia, depression, skin disorders, nervousness, insomnia, migraineheadaches and heart diseases.

The recommended daily requirement is 2.0 mg. for adults and 0.2 mg. for children. This vitaminused therapeuticlly from 100 to 150 mg. daily can relieve painful jonts and the discomforts ofpregnancy and pre-menstrual symptoms. Vitamin B6 is now the most intensively studied of allvitamins. Researches are on the threshold of a number of promising developments involvingtreatments of various ailments with this vitamin. They include hyperactivity in children, asthma,arthritis, kidney stones, blood clots in heart attack victims and nervous disorders.

Folic Acid

Vitamin B9 or folic acid, along with vitamin B12 is necessary for the formation of red blood cells.

It is essential for the growth and division of all body cells for healing processes. It aids proteinmetabolism and helps prevent premature greying. Valuable sources of this vitamin are deepgreen leafy vegetables such as spinach, lettuce, brewers yeast, mushrooms , nuts,peanuts andliver. A deficiency can result in certain types of anaemia, serious skin disorders, loss of hair,impaired circulation, fatigue and mental depression.

The minimum daily requirement of this vitamin is 0.4 mg. To correct anaemia and deficiencies 5mg or more are needed daily. Some authorities believe that folic acid is contraindicated inleukemia and cancer.

Pantothenic Acid

Vitamin B5 or pantothenic acid helps in cell building, main- taining normal growth anddevelopment of the central nervous system. It stimulates the adrenal glands and increases theproduction of cortisone and other adrenal hormones. It is essential for conversion of fatty andsugar to energy. It also helps guard against most physical and mental stresses and toxins andincreases vitality. The main sources of this vitamin are whole grain bread and cereals, greenvegetables, peas, beans, peanuts and egg yolk. It can be synthesised in the body by intestinalbacteria. A deficiency can cause chronic fatigue, hypoglycemia, greying and loss of hair, mentaldepression, stomach disorders, blood and skin disorders.

The minimum daily requirement of this vitamin has not been established, but is estimated to bebetween 30 and 50 mg a day. The usual therapeutic doses are 50 to 200 mg. In some studies,1,000 mg or more were given daily for six moths without side effects. It is useful in the treatmentof insomnia, low blood pressure and hypoglycemia or low blood sugar.

Vitamin B12

Vitamin B12 or cobolamin, commonly known as ed vitamin, is the only vitamin that containsessential mineral elements. It is essential for proper functioning of the central nervous system,production and regeneration of red blood cells and proper utilisation of fat, carbohydrates andprotein for body building. It also improves concentration, memory and balance. Valuable sourcesof this vitamin are kidney, liver, meat, milk, eggs, bananas and peanuts. Its deficiency can leadto certain types of anaemia, poor appetite and loss of energy and mental disorders.

The recommended daily allowance of this vitamin is 3 mcg. Taken in large therapeutic dosesfrom 50 to 100 mcg., it is beneficial in the treatment of lack of concentration, fatigue, depression,insomnia and poor memory.

To learn more about the energy principle in healing, please read:

Cost-free Miracle Asthma Cure
Overcome Type I Diabetes and Type II Diabetes Naturally
Alternative Treatments for Incurable Diseases made easy

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In Commercial Real Estate Always Get an MAI Certified Appraiser

Let's look at what makes a qualified appraiser and how they can help you purchase the property you want with as little hassle as possible.

Prescription Medications for Acne

Prescription Medications for Acne
By Jack Smith

Why should you visit a dermatologist?

With the host of over-the-counter medications available, it can be quite a frustrating experience and long drawn process finding the right medication that suits your particular type of acne and skin. The easier and most often desirable option would be to contact a dermatologist, a medically trained professional who specializes in treating skin conditions, to help you sort the options and customize an acne treatment that specifically tackles your exclusive case.

Types of Prescription Treatments

Prescription treatments include oral medications and topical treatments. In the oral type of medications you could be advised to have antibiotics or contraceptives. You might also be prescribed a topical antimicrobial or retinoid to be used in conjunction with the oral medication or separately.

Oral Antibiotics

Antibiotics help to kill the bacteria that are in the blocked skin pore. They are usually prescribed for a more severe case, although sometimes a person suffering from moderate acne may also be prescribed antibiotics. Common prescription antibiotics for acne are tetracycline, doxycycline and minocycline. However, it can been noticed that as the P. acnes bacteria is becoming more and more common, it is developing a certain amount of resistance to antibiotics. Oral antibiotics for acne usually show results within a few weeks.

Oral contraceptives

Many women resort to oral contraceptives as long-term treatments for acne. Oral contraceptives suppress the over active sebaceous glands which produce the excessive sebum and lead to blocked pores and acne. A new pill with the progestin drospirenone has been known to be effective in controlling this hormonal activity. Oral contraceptives have several side-effects like strokes, heart attacks and blood clotting which need to be considered before starting on this course.

Topical Antimicrobials

Topical acne microbials include clindamycin and erythromycin and are most commonly prescribed to treat this condition. They work by attacking the P. acnes bacteria and its inflammatory effects and thus help to minimize papules and pustules.

Topical Retinoids

Derivatives of vitamin A, these topical retinoids such as tretinoin, adapalene and tazarotene all influence the cell creation and lifecycle of the cells in the follicle lining. This prevents the cells from getting blocked. Topical retinoids have been found to be quite effective in the treatment of acne but they have side effects like skin irritation and increased sun sensitivity.

Jack Smith writes about various health and acne topics. This article is free to re-print as long as nothing is changed, all links remained intact, the bio remains in full and the rel=ofollow tag is not added to any of the links. Thank-you - Please visit http://www.acnefreeinthree.info for more information on acne.

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Mortgage Mates Property Pals And Home Buying Friends

At some point we've all played the ?wouldn't it be nice to live there? game, where we press our noses up to the estate agents window like hungry children eyeing up the cakes in a bakery, wishing we could afford the homes that are way too expensive for us. We all have aspirations far beyond our wallets from time to time, but more and more first time buyers are finding that they simply cannot afford to buy anywhere as property prices in the UK have rocketed to such levels that the first step onto the ladder has begun to look more like an impossible leap.

Now a new breed of buyer has begun to emerge, or maybe I should say ?evolve?, because that?s what happens when nature finds a way around a problem, who have decided to tackle the issue of affordability head on, they are the co-buyers. If you?ve not been near your TV, radio or favorite newspaper recently you?d be excused for not having heard of this home buying movement. Put simply, co-buying is where two or more people buy a property together to join funds, divide of all the costs, and afford to buy years sooner than they could have done alone. Nothing new there, as friends and family have been doing that for an age now, what is new is the rise in the popularity of searching for your ideal mortgage mate on the internet.

Richard Cohn, Founding Director of Shared Spaces Limited, introduced us to the concept of co-buying with www.sharedspaces.co.uk, launched in December 2005. He explains, ?I flat shared for years before buying, and made some great friends along the way, and it was during this time that I came to the conclusion that was to lead to the creation of SharedSpaces. If you can flat-share with complete strangers with great success, why can?t people take it to the next level and buy together??

Of course there is more to it than just that because buying is a far bigger financial commitment than renting, but Cohn suggests that with the correct legal framework (a document called a ?Deed of Trust? that costs only a few hundred pounds from any solicitor that protects your legal rights and provides a roadmap for the relationship), mortgage payment protection insurance (to protect you and your co-owners from hardship should you loose your jobs or are unable to work due to illness), and time (as much time as you need to get to know your potential co-buyer well enough to call them a friend or a business partner in the process), there is no reason why you cannot have a successful co-buying experience.

SharedSpaces.co.uk has over 2,500 registered members across the UK looking for someone else to buy a property with, joined by a common goal, to fight the affordability gap. Whether you are a key worker or a city high flyer if you?re looking for a mortgage mate, a property pal or a future friend to buy your first home with there seems to be plenty of people to choose from. I don?t know whether co-buying solves the long term problem of property prices rising faster than salaries, but it sure does seem to offer an option for those who have been left behind.

Real Estate Market Statistics in California

How would you like to own your very own piece of Golden State property? Real estate in California can fluctuate a lot. It tends to be pricey in most parts of the state due to the high demand for property there.

The California real estate market is one that is watched by people from all over the world. Many people want to have their own opportunity to own a piece of the great state of California. The problem is that nice land or property is not readily available in California. If it is, the price is very steep. There are also many popular overpopulated or polluted areas of the state.

Where the Market Stands

To understand where the market stands, you need to realize that there are different parts to the state of California. Such a big state is going to have lots of different types of property and real estate. There has recently been a steep increase in residential foreclosures in California. Residential foreclosure activity in California surged to its highest level in more than four years last quarter, the result of slower home sales and flattening prices. This could mean great opportunities for someone looking to break in to the real estate market in California.

Bay Area home prices fell on a year-over-year basis for the first time in more than four years last month. Sales were at their lowest level in five years. A total of 42,450 new and resale houses and condos were sold statewide last month. That is down 14.8 percent from 49,800 for August and down 28.8 percent from a 59,600 for September 2005.

Does this mean that fewer people are buying real estate or just that there are fewer available since they are all bought up? It?s likely a bit of both. You will need to stay up t date with the market to see how things continue to change.

Keeping Up to Date

What is happening in the real estate market this month? How can you find out where the real estate prices are at any given time? How can you learn the value and worth of a particular Californian property?

There are easy ways for you to stay up to date on what is happening in California real estate even if you live someplace else in the world. There are websites online that show you regularly updated figures and statistics. This is a great way to stay in touch with what is going on in the Californian real estate market. You can even set up one of these pages as your home page, create an RSS feed on your own site or even have the figures and data sent to your mobile device to stay up to date no matter where you are.

To view homes for sale visit QuickPickProperty.com

The American Heart Association Recommend Against the Use of Isoflavone Supplements

The American Heart Association Recommend Against the Use of Isoflavone Supplements
By Valerian D.

In 1999, the US Food and Drug Administration approved labeling of soy protein as effective against coronary heart disease. The conclusion to recommend the health benefits of soy was based on information that at least 25 g/day of soy protein had been demonstrated to reduce LDL and total cholesterol. The suggestion was that the intake of 6.25 of soy protein per serving 4 times daily would achieve this condition. The same FDA statement reminded that soy isoflavones were not founded to be critical for the cholesterol-lowering benefits of soy protein.

Since this FDA report, there has been a significant amount of research targeting the health effects of both soy isoflavones and protein.

Based on reviews of 22 randomized trials comparing use of isolated soy proteins with other proteins, the American Heart Association (AHA) nutrition committee recently concluded in a report published in the 2005, January 17 Rapid Access issue of Circulation, that there is not a benefit from soy. By consequence, AHA does not recommend isoflavone supplements in food or pills.

The AHA nutrition committee reveals that from 22 total reviewed studies, in 19 studies there was no evidence regarding effect on LDL cholesterol or on other lipid risk factors. The panel also noted no demonstrated positive effect on vasomotor symptoms of menopause or related to slowing postmenopausal bone loss. Similarly, there is insufficient evidence to recommend soy isoflavones for prevention or treatment of breast, endometrial or prostate cancer.

However, the study authors recommend consumption of foods containing soy, as they generally have high contents of polyunsaturated fats, fiber, and vitamins.

Valerian D is a freelance writer interested in health issues that requires a social concern and a special medical attention.

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Mortgage Mates Property Pals And Home Buying Friends

A Guide to Affordable Health Insurance

A Guide to Affordable Health Insurance
By Austin Cormac

One common concern of every family today is finding affordable health insurance.

There are few methods of finding affordable health insurance for you and your family. Your first step should be research. You never want to blindly enter into an agreement for health care insurance without being aware of all of your choices.

Numerous employers offering health care insurance as part of their employee advantage program. In some events the employer covers part of the insurance premium while the remainder will be subtracted out of the employee's wages regularly.

Most people will view this as an easy way of receiving affordable health insurance. They don't miss the money they are paying for premiums because it is automatically deducted from their pay before they get the check. They also welcome the contribution of the employer. Many employers are willing to provide this service to their employees because they recognize the need for affordable health insurance and by keeping their employees happy they are increasing productivity.

In case your employer doesn't offer this type of benefit plan there are other means to finding affordable health insurance. One is to consider what companies in your area offer health care insurance and what coverage that includes in relation to cost.

There are few important areas when it comes to health insurance. These includes family health insurance, dental insurance and short-term insurance if you are facing a health crisis. Finding affordable health insurance in each of these areas is a doable task.

Consider what are your biggest health care needs when you are looking for affordable health insurance. For some of the people the monthly prescription drug coverage that offers savings on medications is all they need when they are seeking affordable health insurance.

Extensive dental work that consist of orthodontics for number of their children is what other families are facing. Finding affordable health insurance that includes dental work will be the main concern for this family.

At the time of speaking to representatives from various insurance firms they will want to point out the fact that they are interested not only with general health insurance but with insurance that covers dental work.

Before you decide on the right plan for your family there is one very practical way to help you doing so, and that is by getting hold of a free quote from multiple health insurance companies, then measure the positives with the negatives of each offer and choose an affordable health insurance plan that fit in harmony with both your budget and your medical needs.

To you and your family I wish a long and healthy life.

By Austin Cormac

Austin Cormac produces articles and other related information about affordable health insurance. You can find his articles over at: Affordable Health Insurance

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What Is HDTV And How Does It work?

What Is HDTV And How Does It work?
By Jim Johnson

In the field of television broadcasting there are plenty of acronyms to go around and it all can all be very confusing. One of the most common terms you will read about and hear is HDTV. A lot of people use that term in articles and at the consumer electronics stores and assume that everyuone knows exactly what they are talking about. But plenty of us are not tech-heads that know all the latest jargon in the electronics world, so let's go over just what HDTV is and what it means for you.

First of all HDTV stands simply for High Definition Television. It is a broadcasting standard for sending television signals in digital format instead of the old analog way. Back in days past, the television signal that originated at the tv station was sent in analog format that ciould only handle so much data for both picture and sound and once that limit was reached, it didn't matter how great the television set was that was receiving the signal, it would only look and sound so great.

However, with the advent of the digital age, electronics technology has improved to the extent that we can do much better than analog television signals now, and instead we can record the signal digitally, braodcast it not only by antenna but by cable and satellite and display it on greatly superior television screens. All of this results in picture and sound that is vastly improved over what we have been used to watching on television for many years now.

To give you an idea of how much improvement has been made in television equipment, just consider the screen or monitor itself. Standard television monitors have only been able to display about 525 lines of information on the screen, while HDTV enabled monitors can display up to 1080 lines on the same screen. That's almost double the detail of analog television. What that means for you is much improved resolution, color, and smoothness of action on the screen. And it will also be easier on the eyes as well.

Since all television broadcasts have been mandated by the FCC in the US to eventually be shown in HDTV format, that pretty much makes all analog TV systems obsolete. So if you are looking to buy a new television, it makes a lot of sense to buy a high definition television, as that will soon be the standard for all televisions sold for some to come.

Jim Johnson writes on many consumer related topics including HDTV. You can find out more about hdtv by visiting our HDTV and Television Review website.

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How To Shop For Plasma TVs Online

How To Shop For Plasma TVs Online
By Aurel Radulescu

Consumers can either shop online or at retail for plasma TVs, but there are a few ways to ensure that, no matter where you purchase, you will get exactly what you paid for. With the internet auction craze gaining in popularity, consumers should be aware that if something sounds too good to be true, then it probably is. Low pricing for such expensive technology is just one of the red flags that consumers should be wary of. Warranties, when offered, sometimes require consumers to return the television at their own cost and may not even be an American warranty. Anytime a consumer deals with online auctions, they should purchase only from a reputable dealer after researching feedback and asking questions prior to getting locked into a purchase agreement.

When shopping for plasma TVs, consumers should also watch for very low pricing with extremely high shipping fees. With any electronic purchase, consumers can expect to pay larger shipping, but only within reason. Again, this is a situation that outlines the importance of only buying plasma TVs from a reputable online or local dealer.

Before making any purchase, including that of plasma TVs, always check out the businesss reputation with the local Better Business Bureau in their area. Any reputable business should always provide contact information, including a physical address (not a post office box), a telephone number and e-mail address. If communication is lacking or telephone calls go unanswered, consumers are urged to consider purchasing very carefully. If purchasing plasma TVs from a business that fails to answer their phone, or return calls, customer service after the sale will certainly not improve.

Before purchasing plasma TVs, learn about the companys return or exchange policy. What happens if the unit is damaged upon arrival or begins to show a problem after minimal use? With such an investment, consumers should always make themselves familiar with a companys customer service policy before purchasing anything. In addition, avoid any salesperson who is pushy or seems overly anxious to make the sale. This is a sign that something may be wrong and they are trying to sell as much as possible in a hurry. Even if the business is legitimate, a rushed sale is never a good idea in any situation.

If you ultimately decide to purchase Plasma TVs online, do it with a credit card. This will enable you, the consumer, to reserve your right to file a dispute with the credit card company if the product is not as advertised, is not delivered or the company refused to honor their agreement to repair the product. The majority of credit card companies allow their customers to file a dispute, in writing, regarding a purchase that was made with their credit card. This dispute must outline a variety of factors, including the date purchased, the total purchase price and the circumstances leading up to the dispute. Upon receiving notification of your dispute, the credit card company will investigate the complaint and typically refund the money back to your credit card.

Find more about 70 inch plasma touch screen, flat screen plasma TV and many other plasma TV resources on http://www.buyplasmascreentv.com/

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HDTV Converters

HDTV Converters
By Ken Marlborough

HDTV converters are specially designed devices for signal conversion. HDTV, also known as High Definition Television, is the most recent innovation in DTV. The HDTV can telecast pictures with high resolutions which are twice more than the traditional analog telecasts and surround sound.

Generally, the HDTV converters are incorporated in most of the HDTV systems. But, the HDTV systems are quite expensive. Moreover, today, most of the homes have analog television sets. To enjoy the effect of HDTV, you can implement a HDTV converter in your analog televisions sets. The HDTV converters will transform the digital signals into analog signals. Thus, the converter will help the analog televisions provide the maximum picture quality almost similar to HDTV sets.

To experience, the full benefits of HDTV signals, HDTV systems are always apt because the analog televisions will not be able to display the pictures with high resolution and surround sound as sharp as HDTV sets.

The HDTV converter automatically detects the input signal, which can be in RGBHV, YPbPr, or YCbCr format, and converts the signal into display with 480i, 480p, 720p, or 1080i resolution. Apart from this, the HDTV converters can also take 480i component video signals, and decode into the display with HDTV resolutions, where, i means interlaced and p means progressive. HDTV converters can transfer numerous pixels on a scan line into analog signals for horizontal resolutions. In the case of vertical resolutions, the HDTV converters will transform the 16:9 ratio HDTV picture with 1080i into a 480 scan line picture with 4:3 ratio or a picture with 360 scan line with 60 line black letterbox bars.

Unlike the ordinary television converters, HDTV converters are highly compact devices embedded with cutting-edge technology. With the increase in the demand, different brands and types of HDTV converters are available in the market. Philips, Viewsonic, Doremi Labs, Inc., JVC Professional Products Company, and Panasonic are some of the leading brands in HDTV converters. Prices of the HDTV converters will range from $150 to $300. HDTV converters can be purchased from local outlets or electronic stores. For better option in prices, brands, and types, online or electronic stores are always ideal.

HDTV provides detailed information on HDTV, Plasma HDTV, HDTV Antennas, HDTV Reviews and more. HDTV is affiliated with Home Theater Projectors.

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Get The Most Out Of Your Home Theater With Dish Network HDTV

Get The Most Out Of Your Home Theater With Dish Network HDTV
By Julia Hall

If you love using your television to get the latest news and the best entertainment, but you are not satisfied with the quality of your television provider, you need to consider switching to DishTV. With its subscriber base of 12 million people, Dishnetwork is the fastest growing TV provider and offers the highest level of quality in programming, equipment and customer service. To make it even easier to switch to satellite TV, Dishnetwork is even offering deals to help you get your equipment and installation at no cost.

If you have been subscribing to cable TV and have avoided considering switching to satellite because you think it will be too expensive or require a lot of confusing equipment, you will be pleasantly surprised when you check out DishNetwork service. Dishnetwork is actually cheaper than typical cable companies and offers a greater level of programming. Plus, the satellite television equipment is extremely easy to use. Your dish and receiver will be professionally installed and you will be able to ask all your questions before the installer leaves. Because the system set-up is quite intuitive, you will be sitting back and enjoying your favorite shows in no time. And, with features that include electronic program guides, favorites lists, one-touch channel return buttons, bookmarks and parental controls, you will find it incredibly easy to keep track of the hundreds of channels that will be available to you.

With DishTV , you will also have access to such cutting-edge technology as the DVR, which will bring much-needed convenience to your television watching. With a DVR, you can easily record programs, record an entire season of shows, watch another station while recording a show and store up to 200 hours of programming. And, DVR technology lets you both pause and rewind live TV to make it easier to deal with interruptions during your favorite shows.

Dishnetwork's technological advantages are really apparent when it comes to HDTV. While cable TV is struggling to provide a small assortment of HD channels, Dishnetwork already has an offering of 29 in genres that include sports, movies, world culture and geography, arts, fashion, games and cartoons. And, Dishnetwork offers the best equipment to make the most of your HDTV, including advanced HD receivers and special sound systems.

Dish Network's outstanding technology makes it possible for you to experience maximum enjoyment of your television programming. With a large array of programming packages designed to suit everyone's needs, DishTV puts control back in the customer's hands. You can choose anything from a family and budget friendly 40 channel package to the ultimate HD Platinum package with 29 HD channels and 240 standard definition ones. Plus, if you are interested in foreign language and international programming, Dishnetwork offers 4 special Latino packages and 19 international packages. With any of these packages, you can add special sports programs like NBA League Pass and NHL on the Ice, A La Carte channels like BabyFirst TV or Bloomberg Television, and Dish on Demand pay per view. Plus, most packages include dozens of audio music channels and SIRIUS satellite radio stations.

Dish Network's customer base has quickly been growing because word is getting out that you can get the best quality programming, latest technology and most options when you subscribe to one of their packages. If you want to once again be satisfied with your television provider, you owe it to yourself to switch to Dishnetwork .

J. Hall writes articles for consumers who want to find the best Dish Network offers currently available. She has written for many major publications about the latest satellite TV deals and promotions and how buyers can find the best discounts.

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Toshiba 32 HDTV LCD Monitor Review

Toshiba 32 HDTV LCD Monitor Review
By Dean Iggo

Toshiba has quickly become an industry leader in HDTV monitors and televisions, and while they make a wide range of CRT, Plasma and LCD monitors that can be used in the home, one of the most popular models is a Toshiba 32 HDTV LCD monitor.

The Toshiba REGZA 32HL66 32 LCD HDTV is a popular and respected model. It is currently retailing for just under $1,000 on most web sites. This set comes with speakers mounted on the bottom of the set and three separate tuners for maximum usage. Its a light set at only 46 pounds. That is one major advantage of plasma and LCD over CRT is that they almost always weigh much, much less. It also comes with an 8 millisecond response time that makes the quality of the picture close to perfect. If youve been putting off getting an LCD HDTV, this is the one to buy.

If youre looking for the same quality TV, but with a built-in DVD player, youre in luck. The Toshiba REGZA 32HLV66 32 LCD HDTV with DVD Player is available, as well. It is the same great TV profiled above, but it also comes with a high-end built in DVD player.

If youre looking for a bigger picture, but you still want to stick with the reliability of LCD, you can choose the Toshiba 47LZ196 47 Cinema Series Pro high-definition 1080p LCD TV. This monitor is one of the largest LCD screens you can buy. At 47, it is sure to meet the size requirements of any hardcore TV junkie. The retail price for this one is a bit pricy, at $3,900 but it is worth it for HDTV fans who expect the best. For a TV of this size and quality, the shipping weight is only 109 pounds, or a fraction of what the same TV would weigh if it was not a flatscreen model.

Toshiba is an industry leader in HDTV and has been since the beginning. If youre looking for the best TVs money can buy, Toshiba is a trusted brand.

Dean Iggo is the webmaster of a hdtv reviews website where you can find reviews of the most popular brands including the lg hdtv, Pioneer, Sony, Panasonic and more.

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Plasma Televisions and Displays What to Know When Buying

Plasma Televisions and Displays - What to Know When Buying
By Donny Duncan

So you want the amazing quality of a plasma television or plasma display, but you don't really know what to look for when it comes to features? After all, it's a pretty big investment, you want to know what you're buying right? No problem, here are few terms and features to remember when you are ready to purchase your plasma television or display. But first, lets talk about the difference between Plasma Television and Plasma Displays.

Plasma Televisions have TV tuners, and sometimes speakers, etc.

Plasma Displays are basically big computer screens, with no TV tuner or speakers.

Plasma Television and Plasma Display Terms

Contrast Ratio - The brightness of a display at full white over the brightness of a display at full black. Because the black value is greatly affected by ambient light, some TV technologies calculate contrast ratio in darkened rooms. Basically, the larger the contrast ratio the greater the ability of a television to show subtle color details and tolerate various room light

Pixel Pitch - The distance, typically in inches or millimeters, from the center of one pixel to the center of an adjacent pixel. The more pixels, the higher quality the picture, and the less locky the picture looks.

Resolution - The size and quality of the images the unit can display. Typically, the higher the better, especially on larger screens.

Panel Life - Plasma screens have a life span, once the panel life is reached the screen will typically fail and need to be replaced. This is not really to be of alarm though, most of today's plasma screens have such a long panel life, you most likely won't own the unit long enough for it to go bad. For example, one popular unit has a panel life of 60,000 hours. If you left it on all day every day, it wouldn't go bad for almost 8 years.

Aspect Ratio - The height and width of the screen. Regular TV's were traditionally 4:3 (full screen) and most new big screens and plasma televisions and displays are 16:9 (wide screen)

Viewing Angle - At what angle you can view the unit before it starts to get distorted or blurry. The wider the viewing angle, the more places you can see the screen from in your room.

Plasma Television and Plasma Display Features

Does it come with a Warranty, or is one available for purchase?

Even though they've dropped substantially in price over the last few years, they're still a pretty decent investment, and it's usually best to protect that investment. It's usually best when your plasma television or plasma display comes with a warranty, but even if you have to purchase an extended warranty, it's generally a good idea. If you think about it, would you rather pay a little extra now, or pay half the initial cost a year later if the screen goes out? Warranties are usually worth the cost, even if it's only for peace of mind.

Does it come with speakers?

I don't know of any plasma displays that come with speakers attached, but a few plasma televisions do. They generally cost a little more, so if you already have a surround sound system, you might not need them.

Is it HDTV ready?

If you have HDTV service, you'll need a display or television that is compatible with HDTV. Most newer televisions, especially plasma displays and televisions, but if you want it, it's always best to check for it.

Does it come with a wall mount or stand?

Sometimes they don't come with either, so you would have to pay extra for one or the other. This is one important aspect to think about when you're comparing price, because these can get rather expensive if you have to purchase them separately.

What type of inputs does it have?

Most plasma televisions should have the standard inputs, like RCA (your typical red, yellow, white wires), S-Video, DVI, Component, but if there is one in particular that you need, you should always check and make sure that it is available on that unit.

This article taken from Tweak Xpert - Plasma Televisions & Displays. View the website for more helpful guides.

Donny Duncan, the author of Vista Tweak Xpert has been in the computer field for over thirteen years.

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Everthing You Wanted To Learn About HDTV And DVD Technology

Everthing You Wanted To Learn About HDTV And DVD Technology
By Mike Singh

There has been an upsurge in a lot of HDTV and DVD technology to match it. Because of this HDTV-DVD just got more accessible and easier to find. This means that you will have more choices to choose from as well. But also because HDTV-DVD just got more accessible you may be confused with all the choices. A closer look at the different DVD options and technologies can help you choose from among them. Because HDTV-DVD just got more accessible, knowing what you have to choose from can make the accessibility less confusing.

First of all, originally DVD formats have been around for ten years. The original kind also gave a lot more storage, up to 4.7 GB than most CD's, which are around 700MB. Not too long after this original technology, there came some more technology that made space increase. This was the advent of double-sided DVD's. Some general information regarding some double-layered discs is as follows: single-sided and layered ones with 4.7 GB and 120 minutes of space, single-sided and dual-layered ones with 8.5GB with 4 hours of space, double-sided and single-layered ones with 9.4GB and 4 hours of space and double-sided and dual-layered ones with 17GB and 8 hours of space.

Most DVD's are read-write mediums although there are some that are read-only. There are three different kinds. They are known as DVD-R, DVD-RW and DVD-RAM. All of these can be used to record with. Understanding these basics can give you a lot towards understanding the wide variety of accessibility that is out there in DVD options. Especially when you are trying to understand that HDTV-DVD just got more accessible.

The first option is DVD-RAM and can actually be the most expensive kind. Yet this type can be re-written over and over again. Usually up to 100,000 times over a number of years even. This type is the one that would be more desired for video or film editing. The reason for this is because the disc stores data in no particular order. You must make extra careful however that the type of player you are getting or have will work with this type. This is because not all players are compatible with this type of DVD.

Another kind of DVD is the DVD-R type of disc. This is actually the cheaper option when it comes to recordable DVD's. This type can only be recorded on once though. This is why this type tends to be cheaper however. This type of DVD is also compatible with most DVD players that are available out there on the market.

The main difference between the last type, DVD-RW and DVD-RAM is how many times it can be recorded on. The DVD-RW can be recorded on more than once. But it can only be recorded on about a thousand times. Which is a lot less than the DVD-RAM, but this type is cheaper than the DVD-RAM. This is best for those who want multiple recording capabilities but don't need too much and want to save money.

The reason that HDTV-DVD just got more accessible is because there are two new types that have become available recently. The two new types or formats are HD-DVD and Blu-Ray. Toshiba and the second kind by Sony develop the first one. They are very common but cannot play each other's players. HD-DVD can store 15GB on single-layer and 30GB on dual-layer, while Blu-Ray stores 25GB on single-layer and 50GB on dual-layer. HD-DVD can hold 8 hours of space and Blu-Ray 9 hours.

As you can see with so many options now available you see how HDTV-DVD just got more accessible. Hopefully this information will make it easier to understand, even if HDTV-DVD just got more accessible. With the different types more clearly explained your decision should be easier now.

Check out http://www.hdtvland.org/ for articles on hdtv dvd player and dlp versus lcd.

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Why You Should Watch Sports on HDTV

Why You Should Watch Sports on HDTV
By Garry Mabry

What is HDTV? Do I have it?

Lets not get too hung up over the technical details. If you bought a new TV (tube, LCD rear projection, DLP rear projection, LCD or Plasma or whatever else shows up on the market) which can display a High Definition picture and you have purchased a High Definition programming package with High Definition hardware (Set-Top-Box or DVR), then you have HDTV. Even an older Enhanced Definition (ED) set can display a very good HD picture unless you are very close to the screen - too close for normal viewing.

As for which of the two main resolutions, 720p or1080i, are best for sports, dont worry about it. The network programmer or program service provider has already made that decision. ABC shows its programs in 720p, CBS in 1080i, ESPN in 720p, FOX in 720p, HDNet in 1080i, NBC in 1080i, TNT in 1080i, WB in 1080i and WGN in 1080i. For what it's worth, 720p is generally regarded as superior for watching rapid movement but your High Definition TV will convert these to its own native resolution automatically. If your HDTV is made to display 720p, it will convert all 1080i programs to that resolution while doing little or nothing to 720p programs. If you have a 1080i set, it will do the opposite. This is all possible because the programs are all in a digital format so very little picture quality is lost.
Just sit back and enjoy
Why are sports better on HDTV?

There are many reasons but these are three of the most important:
High Resolution provides more detail on the screen
At the lowest HD resolutions, you still have many, many more times the number of dots and lines on the screen making up the picture than the old television standard and this means you see more details more clearly. If you have seen some of the newer artificial turf, you know that dirt (or at least rubber particles) fly when a soccer ball bounces or a football runner cuts this way or that. Now you can actually see it on TV.

Was it a curve or a fast ball?
Was it really a three point shot or was the players toe on the line?
Did the receiver have possession or did the ball touch the grass?
Where will this putt break or pick up speed?

With HD the replays are much, much more clear. Details are critical when officials view replays and now you can see what they see. This is the way sports were meant to be seen!
Widescreen shows you more of the field
Its true! Almost without exception, new HDTV's are large widescreens and that alone means a bigger picture. HDTV's aspect ratio is 16:9 (Width:Height) as opposed to 4:3 of the current NTSC system. With the higher resolutions, you don't lose any of the detail. For football, which is played on a rectangular field, the picture is spectacular. See the quarterback and the defense he is attacking at the same time. You see the receiver cut and break free just as the quarterback does. That changes the way you watch and understand the game. From behind the running back you see more of the line of scrimmage as the line blocks and he makes his decision about which hole to hit. It really is more like being there.

The wider screen is changing the way sports shows are produced. The camera can be pulled back for a wider shot and, because of the high definition picture, detail is not lost. More of the golf course can be seen as the shot flies off the tee. This gives you an entirely different perspective on what is happening.
Dolby Digital surround sound puts you in the park
Dont forget the sounds of sports. What would basketball be without squeaking sneakers on hardwood floors? What would baseball be without the crack of the bat when a slugger hits a hard fastball? When a shot rattles the rim, a safety creams a receiver, a tennis player returns a serve, a track official fires his starter pistol or the horses' hooves pound the turf, you can now hear it with crystal clarity. No static, hissing, crackling or popping. If you pipe this through your home entertainment surround sound system it's like watching through an open window.
Can you get HDTV on satellite?

You bet you can! Both DirecTV and Dish Network have high definition programming and are adding more all the time. You might have seen the news about DirecTVs new satellites this summer or seen the specials being promoted by both providers. Satellite is today's lowest cost way to get high definition programming and HD is the future of television. It's happening now, there's no need to wait.

Garry Mabry

Your guide to Sports Programming on Satellite TV

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