Wednesday, August 19, 2009
Malignant mesothelioma
Adverse Credit Remortgage
An Adverse Credit Remortgage is the process of paying-off one mortgage, from the proceeds of a new mortgage (i.e. remortgage), using the same property as security, even if you have adverse credit difficulties. An adverse credit remortgage may be just the right solution for many people.
The benefits of an adverse credit remortgage include saving money by having a fixed rate remortgage or discount remortgage rate, debt consolidation on existing credit or raising cash for home improvements, a new car, business etc., or a combination of any of these benefits - even with adverse credit problems.
It is also very important to consider the implications of an adverse credit remortgage. Firstly, this will place your home at risk if you are unable to keep up repayments on your mortgage. Secondly, you should also be aware of the costs involved with a home remortgage, and you should weigh-up these costs, such as a property valuation on your home, legal costs and fees; against the overall costs if you were to take no action.PERITONEAL MESOTHELIOMA
Peritoneal mesothelioma, a cancer of the lining of the abdominal cavity, is less common than the pleural form, comprising approximately one-fifth to one-third of the total number of mesothelioma cases diagnosed. According to the SEER (Surveillance, Epidemiology, and End Results) database, these diagnoses are approximately 54.7 per cent male versus 45.3 per cent female, with the median age being 65-69. The latency period appears to be shorter for asbestos-exposed individuals with symptoms appearing 20-30 years after exposure rather than the 30-40 year latency more commonly associated with pleural mesothelioma.
Sunday, August 2, 2009
How to Refinance With Bad Credit?
Useful Information on Adverse Credit Remortgage
First of all, what is adverse credit remortgage? Adverse credit remortgage refers to a bad credit history. The word 'adverse' means unfavorable or acting in a contradictory direction. Remortgage deals with taking a loan from a new lender. There are various reasons why people decide to remortgage:
1) When a mortgage deals expires, the debtor or borrower needs to find a new creditor or lender. Often, mortgages have two year fixed rate deals. After two years, the borrower needs to renew or find a new deal.
2) Some mortgage deals are not beneficial and too expensive for borrowers in repayments. To avoid this, profound research on mortgage deals is extremely important. Taking your time and comparing various mortgage deals, asking questions and getting advice from others is essential.
3)Often, people like to get a new mortgage at a higher amount. This allows them to raise some extra money for spending.
Friday, July 24, 2009
The Pantech Matrix
The good: The Pantech Matrix slides both ways to reveal both a number keypad and a QWERTY keyboard. It has a megapixel camera, HSDPA, A-GPS, and access to AT&T's broadband services.
The bad: The Pantech Matrix suffers from tiny navigation keys and a flat keypad. The handset is also on the bulky side.
The bottom line: The Pantech Matrix is a pretty good dual-sliding multimedia handset, but we just weren't pleased with the keypad design.
Specifications: Band / mode: WCDMA (UMTS) / GSM 850/900/1800/1900 ; Talk time: Up to 180 min ; Combined with: With digital camera / digital player ; See full specs
LG Xenon - black (AT&T)
The good: The LG Xenon has an attractive touch-screen display, a great QWERTY keyboard, customizable standby screens, plenty of shortcuts, and lots of features like 3G speeds, quad-band support, a 2-megapixel camera, GPS, and more.
The bad: The LG Xenon suffers from the lack of POP or IMAP e-mail support, the touch screen suffers from a slight learning curve, the Web browser feels a little clunky, and you're limited to only six widgets to customize the home screen.
The bottom line: Despite a few problems, the LG Xenon is one of the better messaging phones we've seen, plus it has a cool touch-screen interface and plenty of features.
Thursday, July 23, 2009
Virgin Mobile
Virgin Mobile is a brand used by many mobile phone service providers based in the United Kingdom and operating in India, Australia, Canada, South Africa, the United States and France; the brand survived only briefly in Singapore. The international Virgin Mobile businesses each act as independent entities, usually in a partnership between Sir Richard Branson's Virgin Group and an existing phone company. Virgin Group provides the brand, and the phone company operates the network infrastructure.
Virgin Mobile was the world's first Mobile Virtual Network Operator when it launched in the United Kingdom in 1999.[1] It does not maintain its own network but instead contracts to use the existing network(s) of other providers.
Tuesday, July 21, 2009
Diabetes
Type 2 diabetes is a chronic disease, which means that you have it for life. Although there’s no cure, you and your doctor can work together to control your blood sugar, which can help reduce your risk for type 2 diabetes complications.
Managing type 2 diabetes over months and years can mean making changes in your treatment plan. Diet and physical activity may control your blood sugar at first, but you may need to take medicine
Remember, you play a major role in controlling your blood sugar and helping to prevent complications. With time, the lifestyle changes and treatments your doctor suggests can become a regular part of your routine.
Support from family, friends and your healthcare team can help you deal with diabetes long-term.
Personal Injury Lawyer
A personal injury lawyer is a lawyer who provides legal representation to those who claim to have been injured, physically or psychologically, as a result of the negligence or wrongdoing of another person, company, government agency, or other entity. Thus, personal injury lawyers tend to be especially knowledgeable and have more experience with regard to the area of law known as tort law, which includes civil wrongs and economic or non-economic damages to a person’s property, reputation, or rights.
Even though personal injury lawyers are trained and licensed to practice virtually any field of law, they generally only handle cases that fall under tort law including, but not limited to: work injuries, automobile and other accidents, defective products, medical mistakes, slip and fall accidents, and more.
The expression "trial lawyers" can refer to personal injury lawyers,[citation needed] even though most cases handled by personal injury lawyers settle rather than going to trial and other types of lawyers, such as defendants' lawyers and criminal prosecutors, also appear in trials.
Debt Consolidation
Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.
Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, most commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.
Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.
Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest.
Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending. Certainly many, if not most, debt consolidation transactions do not involve predatory lending.[citation needed]
Mesothelioma Lawyers - Important Information for Patients
By Michael Horwin, MA, JD*
The Law Firm You Choose
When you have been given the news about this terrible disease, you may not feel that you have the time to deal with the legal questions - Should I talk to a lawyer? Should I file a claim? However, you should not wait too long to learn about your legal rights for at least three reasons:
- Statutes of Limitations - There are statute of limitations which means you only have a limited time to file your case after diagnosis. The statute of limitations time period is set by individual states and varies. The clock usually starts ticking on the day of diagnosis.
- Financial Pressure - A mesothelioma diagnosis can bring financial stress, less income, more expenses, and treatments that are not covered by insurance. Knowing that money may be on the way from filing a claim can bring financial relief.
- Lawyers Can be Excellent Resources - The more experienced mesothelioma lawyers and law firms can often be excellent sources of information about various doctors and treatment options available for this disease.
But, picking a lawyer is serious business and you should not use TV ads as the reason to hire an attorney. Actual credentials are what counts. For example, what type of accomplishments has the law firm achieved? How committed are they to mesothelioma/asbestos cases? Are these cases a substantial part of their practice or just a small piece? How many other cases like yours have they handled?
Also, make sure you understand the fees being charges. Contingency is the term that means that the lawyer gets paid only after they collect money for you. The amount of the contingency fee that your lawyer can charge varies and is usually between 33% and 40%. It is important to discuss fees openly, ask what services they cover, how they are calculated, and whether there will be any extra charges.
Finally, for something as important as a mesothelioma lawsuit, your attorney should not only be experienced, skilled, and dedicated, but also a trusted partner who understands that your health needs always take precedence. The best lawyers are those that are not only expert at what they do, but are also caring, supportive, thoughtful and compassionate.
Below are two mesothelioma law firms that have impressed us with their accomplishments, successes and testimonials. If you are in another state, call us at 1-619-599-3112 and we can share with you the names of reputable mesothelioma law firms in your region.
Mortgage Loan
A mortgage loan is a loan secured by real property through the use of a document which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank, either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably.
AT&T Conferencing
The AT&T Conferencing Services portfolio of audio, web, and video collaboration tools help businesses conduct meetings faster and more efficiently than ever before. You can choose from a range of options - from completely self-run to fully managed high touch meetings. From simply picking up your telephone to fully integrated audio, Web, and video conferences to multi-location high-quality video conferences AT&T has the services, equipment, and resources needed for world-class collaboration!
- expedite decisions, optimize productivity, and react more quickly to events in your marketplace
- flexible, secure, and cost effective solution
- ability to have reservationless, reserved, and operator assisted conferences
- interactive web conferencing collaboration
- integrated voice, Web and video conferencing
- Executive and Global audio conferencing service options
- web-based tools and resources to schedule, monitor, and managed conferences
Features include Conference Record for later playback; integrated audio, Web and video conferencing via AT&T Connect®; Conference Monitor for conference control via Web, plus much more...
AT&T Conferencing Service Global Option
AT&T Conferencing Service Global option provides you with the ability to establish global audio conferences with non-U.S. callers participating via their own in-country dial-in access numbers, any time and from anywhere:
- local access numbers available in over 60 countries around the world
- reservations, customer care, and technical support is accessible 24 hours a day, 7 days a week
- Reservationless, Reserved and Executive Service available
AT&T Conferencing Service Executive Option
Designed to meet the special needs of high-profile teleconferences, AT&T Conference Services Executive option makes it easy for you to arrange, plan, and conduct your high-profile meetings - virtually. Take advantage of this communications tool to bring your participants together anytime, anywhere.
- provides high touch facilitation of special conference calls, supporting from 3 to 4000+ participants
- flexible, secure, and cost effective solution
- allows companies to quickly reach thousands of people simultaneously
Hosts, Website Design And Trust
Business or buying decisions based on the beauty of the website are not unheard of. I've even read statistics indicating that website design is one of the most important reasons for which people choose one host over another.
That may have something to do with the fact that many of those searching for hosting take things for face value. Most consider that complicated, beautiful, expensive web design is a mark of seriousness and success
Unfortunately, web design beauty has very little to do with the quality of the hosting service. A nice design basically signals two things: the hosting company knows how a great website looks like and - maybe - was so concerned about it that it did what had to be done to have a great looking site.
Also, what some may regard as exquisite web design others might perceive as pure ugliness. It all comes down to each person's taste, background and experience, which, needless to say, vary enormously among individuals.
What you see is not necessarily what you get (WYSINNWYG)
Nicely designed websites are not necessarily expensive because they're not necessarily unique. For instance, most web hosting companies start small, often being a one man show with a reseller account or a cheap dedicated server. While some thought is certainly given to the appearance of the website, the budget for web design is minimal because most of money are allocated for things directly related to hosting.
A cheap website template is the solution found by most new hosts. Now, you'd think that a cheap template must be screaming "cheap" and be ugly too, but that's not the case. A cheap template, even under $30, can be quite nice actually.
One odd thing has to be noted: most hosts go for a web design that also has a flash presentation. That supposedly makes the site seem more professional and although this might've been true sometime ago, it has become now somewhat of a kitsch, which is also true about those pictures of servers taken from all kinds of angles.
Anyway, those are things that a trained eye can see, but the average customer has no idea that behind a what looks like a carefully designed website that lavishly makes use of flash and color and speaks of data centers and backbone connections, can be just a single man trying to make a buck.
Many new hosts buy website templates from places like TemplateMonster.com. I'd suggest to pay that site a visit and take a look at those templates. Get a feel of what those templates look like and maybe try use that to your advantage - if you can.
Flexing the financial muscle
Some hosts realized that web design plays a very important role in driving sales, establishing trust, projecting an image of success, branding and other things. That's why many hosts choose to pay for a breathtaking original website design as soon as they can afford it.
One company that hosts seem to prefer for advanced web design is Ceonex, which may very well be because Ceonex can do more than just simple website design; they can optimize websites to produce a maximum number of sales and other things. Or at least that's what Ceonex claims...
Some people noticed that the websites made by Ceonex are rather similar and, personally, for the hosting companies at least, I feel there's some truth to this observation. It's certainly easy to spot that some objects are identical in some of their sites and that can only mean that they "recycle" part of their work.
Nevertheless, a Ceonex made design (which includes marketing studies etc.) costs about $20,000-$30,000, so a hosting company is sure betting that this will set them apart. For you, as a customer, it also shows that hosts can go to great lengths just to project an image of success and gain an edge over the competition.
However, all those money are spend not for the benefit of the client or potential client, but for the benefit of the company. An expensive design basically says: look what we are able to do (just to maximize sales). But there's something else that can be read between the lines: we are here and we plan to be here for a while.
No company will spend tens of thousand of dollars to go out of business the next day. Also, if the company has a history of of a few years and is quite successful, it may very well be that the expensive web design was purchased because the company felt almost compelled to reveal its new status.
If you've got the money you almost have to move to a bigger house. You might think that's something only a snob would do, but it's not really true. Say you know someone who has a lot of money; you expect him/her to have a higher standard of living, otherwise you'd call him/her a cheapskate. It's just human nature.
No financial muscle to flex, but no eyes to see?
At the opposite pole are the hosts with no budget and basically no idea of how things work on the internet. However, they insist on having a web based business and not just any business - a hosting business! They decide to spend $0 on web design and build the website on their own or ask a good friend do it for them.
The resulted website is often not just amateurish, it's down right ugly. A decent person with a bit of Internet knowledge would definitely know better. It's generally easy to spot clear ugliness or outdated web design if you have a bit of 'net surfing experience.
A host is supposed to know how the Internet works intimately and at the surface, so they should have an eye for web design. Rather than having an ugly but original website design, a free template that looks acceptably should be preferred in my opinion.
Blatant unprofessional web design shows a lack of professionalism, thoroughness and thoughtfulness in general. If they care so little about their website do you think they care much about server security and other things? I don't. I'd rather say pass to a good host with an ugly website than give him the benefit of a doubt and get burned later. Why? Because there are lots of other hosts out there. As long as there are plenty of hosts to choose from I see no reason to take risks.
They can't they spell either?
It appears that some don't know how/don't care to do this either. (I'm not a native english speaker so I have a small excuse if this happens on this website from time to time. )
Mistakes can happen to the best of us, but unreasonably repeated grammar and/or spelling mistakes signal lack of professionalism and even more than that. They're a sign of carelessness and lack of respect towards potential customers, both of which I find very dangerous. More often than not, poor web design is complemented (not complimented ) by spelling mistakes, which makes it even easier to spot businesses that you wouldn't want to deal with. We're so lucky, aren't we?
So? What to do then?
My opinion is that generally website design is just a marketing related thing. There's no direct relation between it and the quality of the service. Quality hosting, trustworthiness and quality website design don't always go hand in hand.
Thus, website design is not a reliable measure of service quality. In fact, I think one should try very hard to not take this factor into account at all, with a big exception: when the design is obviously unprofessional. I expect quality web design because I think it's a form of respect towards potential customers and a sign of thoughtfulness, which I like in a host. But that's it!
To make a hosting decision search for facts instead: Do they deliver what they promise? Are their customers happy? Those are the important things!
Introduction To Bandwidth
Bandwidth is the amount of data (files located on your domain that are viewed by visitors, email, ftp) that can be send/received by your web server. You can understand how important this factor is when buying a web hosting plan or leasing a web server. Generally speaking, the more bandwidth you have, the more visitors can visit your web site.
Determining how much bandwidth is needed
To determine how much bandwidth you need per month, you will need to have a look at your web site statistics. Visitors per month times avg. data transferred per month per user = Amount of Bandwidth used per month. Bandwidth is usually measured in MB or GB. It is not very important to get the exact number of visitors. An approximate number will be sufficient for calculating the monthly bandwidth usage.
Whereas the accuracy of the numbers in the first part of the calculation was a rather unimportant factor it plays a big role in the second part of the calculation.
Finding the average files transferred can be difficult if your web site is very large, since it has to be done for every single page. To find the size, add up the size of every image on the page and the size of the page of every single page on your web site. To make life a little easier for you it is recommended to use the following loading time test tool. Once you've obtained that number add 25%-33% to that number to give your web site room and allow it to grow.
Here is an example calculation:
Page 1: 15.000 visitors per mo. x 125KB of data = 1875000KB = ~1875 MB = ~1,875GB / mo.
Page 2: 15.000 visitors per mo. x 100KB of data = 1500000KB = ~1500 MB = ~1,500GB / mo.
Page 3: 10.000 visitors per mo. x 85KB of data = 850000KB = ~850 MB = ~0,850GB / mo.
Total data transferred per month: ~1,875GB + ~1,500GB + ~0,850GB = ~4,225GB. Adding 25%-33% to that amount will give us a result of 5,28GB - 5,62GB. So it would be recommended getting a plan with 5.5GB or 6GB bandwidth per month.
Please note that: 1024 Bytes = 1 KB, 1024 KB = 1 MB and 1024 MB = 1 GB
How can bandwidth be saved?
There are a number of ways to save bandwidth. A general advice is to keep all files on your web site as small as possible. (Sounds logic doesn't it?) To reduce the size of your pages you have to remove unnecessary tags from your code. WYSIWYG (What You See Is What You Get) programs like Dreamweaver have a clean HTML function.
CSS (Cascading Style Sheets) is also an effective way to save bandwidth. It is designed to reduce HTML file size by attributing values for any HTML element/command at the beginning of the document.
Once that is done you have to go to the next step, optimizing all graphics and pictures. It is important to know that graphics (vectors) have to be saved as .gif files and pictures as .jpeg files. If you don't own a picture program like Fireworks or PhotoShop then you can optimize your pictures for free at NetMechanic.com.
Your dial-up visitors will thank you for optimizing all your web pages.
Preventing bandwidth theft
Linking to images of another web site in your img src tag without permission is considered as bandwidth theft. As unethical as it may be, it is a reality many webmasters have to deal with on a daily basis.
The most effective and unfortunately also very time-consuming method of preventing bandwidth theft is scanning your web site logs. By analyzing your logs you can find out who is using your images without your permission. Once you have located the offending party, you can either contact them or replace the hotlinked file with a picture that says "Please Do NOT Hotlink Our Images", along with the URL of your web site. This way all their web site visitors will see the webmaster hotlinked your pictures.
Guide To Managed Hosting
Many businesses (especially SOHO's and SME's) are unable to meet the resource requirements required to manage their systems 24X7. In order to be successful, a company whose online presence is an integral part of its business must successfully implement and maintain the following:
Hiring an in-house staff to maintain all this is prohibitively expensive, so outsourcing these infrastructure needs to a third-party can be a very cost-effective option. However, as more and more organizations claim to offer "managed services" it becomes difficult to determine between a MSP (Managed Services Provider) and a managed host.
What Is A Managed Host?
Managed hosts monitor and maintain all of the infrastructure issues that are integral in hosting a site or application on the Internet. Unlike MSP's, which offer the applications themselves, a managed host procures, configures, installs, and maintains the necessary servers, firewalls, and other devices that the customer's architecture requires, including the operating system, and any backend database and server support required to make the site functional (such as Oracle and Apache for example).:
Once configured, the managed host connects the server to the Web via its own network, where it is monitored on a 24 hour basis. In essence, a managed host takes on the responsibility for maintaining your infrastructure: if a hard drive fails, the host replaces it; if a server dies, the host swaps it; if there's a spike in traffic, bandwidth is increased.
Do I Need A Managed Host?
That depends on the purpose of your site. Obviously, a simple "brochureware" site will not require all the bells-and-whistles that a managed host provides. If you are running a larger enterprise that supports a high and constant level of traffic, a managed host may be the best option for your web site. In general, consider the following questions when evaluating managed hosting for your business:
Is my web presence my primary source of revenue?
Are my Internet applications critical?
Do I need highly responsive 24x7 support, and guaranteed uptime?
Are my current resources adequate in providing support in a timely way, on all hardware, software, and network functionalities?
Can I focus on business issues and keep my servers up and running?
Can I afford to hire, train, and retain the technical staff required to maintain my web presence?
If you answered "yes" to the first three questions, and "no" to the last three - managed hosting may be the best way to maintain your Internet presence.
Why Is A Managed Host The Best Option For My Site?
Compared to handling infrastructure demands in-house, managed hosts allow the client to take full advantage of the hosts processes and experience to implement solutions in less time, at a lower cost, and with higher reliability than other hosting methods. For example, co-location and dedicated hosting plans provide just the physical space, power, and network connections for customer equipment. Anything else incurs an additional cost - which can quickly become prohibitive if you need to reconfigure your servers frequently, or have to add multiple applications. While many dedicated and co-located hosts claim to offer additional services, these are usually provided by a third-party organization or consultant, and are bolted onto the platform at an additional cost - often costing interruptions to performance. These solutions simply cannot offer the same level of reliability and adaptability that a managed host can provide.
Will I Still Have Control Over My Web Site Or Application?
Absolutely. Managed hosts typically provide the client with full root/administrative access, so changes can be made to your web site at any time. You will also have the ability to place custom code (CGI and Java), on your server at your discretion.
Are Managed Hosts Scalable?
Scalability is the main advantage to using a managed host - customers can increase their bandwidth usage and upgrade their server architecture at any time. Most managed hosts keep a large inventory of equipment on hand so that server scaling can occur seamlessly - the host makes the necessary adjustments and simply modifies the monthly service fee.
What Should A Managed Host Be Monitoring On My Server?
This is an important consideration. While most hosting providers boast "24x7x365" server monitoring, it's important that you find out what aspects of your box are actually being monitored, and how rapid the response time is in the event of failure. If your host is only monitoring your connectivity 24x7x365, and your load balance is only checked on once a day for example, a sudden spike in traffic will quickly cause your server to shut down. In general, a good managed host should monitor the following:
- Server reachability (ping)
- CPU usage/utilization
- Memory usage
- Storage usage
- Load average
- Virtual memory usage
Furthermore, you should be able to access or generate reports from the monitor logs, so you can personally evaluate your server's performance.
How Does A Managed Host Integrate And Deploy My Solution?
While every hosting organization has their own processes in place for getting you online, they follow a similar series of steps:
1. Initiation and production design phase: The managed host reviews your specific, requirements and proposes a solution to meet your needs.
2. Build phase: From this ideal solution, you pick the equipment you can afford to implement, and the managed host's team of engineers build your servers and network settings to your custom configuration.
3. Validation phase: The host's engineers put your solution through extensive validation processes to ensure that your server is functional, and precisely meets your needs.
4. Production phase: Your solution is staged and provided to you for acceptance testing and implementation approval. Once approved, a launch date is set to take your solution "live."
5. Live phase: A final round of quality-assurance tests are run to ensure the highest quality of reliability, security, and performance. Finally, end-users are given access to your Internet solution.
How Much Will A Managed Solution Cost?
Generally, a managed host will incur only 45-50% of the cost of an in-house solution, which gives them an obvious advantage over more traditional hosting packages. Furthermore, these cost advantages will be sustained through years of operations and upgrade cycles.
E-Commerce is the driving force in the global economy, and more now than ever, the strength of your service provider partner is critical in maintaining a competitive edge. Your partner must be able to give you seamless availability, keep up with technology, and maintain a highly skilled technical team.
How To Choose A Web Hosting Service
1. Support
Is there really anybody there? Send them a question by email and see how long they take to respond. You want to know if they'll be there when you need them. Some offer 24-hour support and a few will respond quickly. Speedy customer service is rare and indicates a superior service. I think that this is the single most important consideration. Also, check out the quality of their online documentation.
2. Server performance
You want a server that is reliable and fast. There is a free tool available that allows you to evaluate this before making a decision! NetMechanic.com will measure the speed of access for all facets of access (network speed, DNS lookup, connect time, download time, and absence of timeouts). The "download time" statistic is the most important single item to compare. Collect your list of candidate hosting services and run side-by-side tests of all the candidates. Sample duri
3. Are they familiar with the application you plan to use?
If you're planning to use a particular application that requires special setup parameters (such as Online Merchant, a popular online store), make sure your potential host is familiar with the application. Otherwise you may find yourself spending a great deal of time trying to figure out how to configure it - perhaps never succeeding!
4. Traffic allowance
Compare your traffic allowances. Some services give you a small limit on the amount of material that can be downloaded from your site each month and charge you large amounts when that limit is exceeded. Some offer huge traffic allowances (several thousand MB/month, where 1,000 MB = 1 GB) for the same price as others that limit you to a few hundred MB/month. Sure you probably need less than a hundred MB/month now, but why put yourself in a position where you have to move when your traffic takes off? Plan ahead and allow for growth.
5. Space
How much space do you expect to eventually want for your web site? Planning ahead can save you lots of money later. If you expect to grow, look for a place that offers sites of 100 MB or more. Some services offer 500 MB sites for less money than others that offer only 30 MB.
6. Features
Consider what features you want to simplify development of your web site.
Do you want access to a cgi-bin so that you can install your own scripts?
Do you want many scripts pre-installed and pre- configured?
Do you want to be able to use Microsoft's FrontPage?
Do you want autoresponders for email processing?
Do you want email aliases (automatic forwarding) so you don't need to check email in more than one place?
7. Guarantee
With so many hosting services to choose from, why not choose one that offers a guarantee? Services that offer a moneyback guarantee are confident that you'll be delighted with their service.
8. Cost
Look for hidden costs when comparing price.
Do they expect you to pay for a long term in advance to get a good price? Choose one that doesn't bait you with a low price that's only available if you make a long-term commitment. Will they handle the registration of your domain for free? If you're transferring an existing domain, will they submit the domain change to InterNIC for free?
Choosing an excellent service to host your web site doesn't have to require luck. Knowing what to look for makes selection simple.
Good luck with your marketing and God Bless
ng peak and non-peak times for optimal comparison.
Monday, July 20, 2009
Forex Allows You to Respond
In today's market place, the U.S.Dollar constantly fluctuates against the other major currencies of the world. There are several factors that contribute to the fluctuation of the U.S.Dollar and the other foreign currencies of the Forex Currency Market due to the global increase in world trade and foreign investments which have lead to many national economies becoming interconnected with one another.
Friday, July 17, 2009
Home Owners' Loan Corporation
The Home Owners' Loan Corporation (HOLC) was a New Deal agency established in 1933 by the Homeowners Refinancing Act under President Franklin D. Roosevelt. Its purpose was to refinance homes to prevent foreclosure. It was used to extend loans from shorter loans to fully amortized, longer term loans (typically 20-25 years). Through its work it granted long term mortgages to over a million people facing the loss of their homes.
The HOLC stopped lending circa 1935, once all the available capital had been spent. HOLC was only applicable to nonfarm homes, worth less than $20,000. HOLC also assisted mortgage lenders by refinancing problematic loans and increasing the institutions liquidity. When the HOLC ended its operations and liquidated assets in 1951, HOLC turned a small profit.[1][2]
HOLC is oft-cited as the originators of mortgage redlining. Recent research has suggested that the institution itself did not redline or discriminate on the basis of borrowers' race and ethnicity. The racist attitudes and language found in the appraisal sheets and Residential Security Maps created by the HOLC likely gave federal support to existing private sector bias and racial antipathy (Crossney and Bartelt 2005; Crossney and Bartelt 2006).
Laser Hair Removal Chicago
Laser hair removal will work on almost any part of the body, from your legs, arms, and upper lips, chin, neck, face, to even your back or shoulders, practically anywhere.
New breakthrough laser technology can get rid of unwanted hair, quickly, easily and now with proven long-term results.
If you hate shaving, are tired of putting up with painful waxing, tweezing, depilatory creams, and all of the time that removing unwanted facial or body hair can take, laser hair removal may be right for you. Getting rid of unwanted hair can be painful and time consuming. Until now, the only options for removing unwanted hair were smelly hair removal creams, sharp razors, stinging wax or painful electrolysis needles.
Since the laser can treat lots of hair follicles at once you get much quicker (and more permanent) results than those other temporary fixes
In fact, laser hair removal is perhaps the greatest hair removal breakthrough in the last 50 years.
AT&T Cell Phones
Free Non-Student Loan Debt Consultation
Do you have more debt outside of student loans? Please request a free debt consultation today. Consolidate your debt into one lower payment, avoid bankruptcy, and be debt free in as little as 12-48 months. Get Started Now!
Federal Student Loan Consolidation
Federal student loan consolidation is a fixed-rate refinancing program that combines all of your existing federal student loans into one new loan. Consolidation is a great tool for managing your finances - providing immediate payment relief and long term benefits. With our fast and convenient eSignature, your application will be complete in just a few minutes.
- Cut your monthly student loan payment by as much as 50%
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- No credit checks, fees, or application charges
- Reduce your interest rate 0.6% by consolidating during your grace period
What Is a Yahoo Domain?
The well-known Internet portal Yahoo! has joined the domain name business. The company now offers domain name registration services through its Yahoo! Small Business division. This sector of Yahoo is devoted to helping entrepreneurs get their businesses up and running by providing assistance like recruiting services, marketing tools and web hosting. The next reasonable step is to offer branded Yahoo domain registration. It’s another tool which will help business establish an online presence.
PC Magazine reviewed Yahoo Domains and gave it the highly-coveted Editor’s Choice Award. The published review states that “domain registration through Yahoo! Small Business is the easiest.” The statement reflects the level of service that one receives through a Yahoo Domain. It offers great features like domain forwarding, email forwarding, control panel with DNS management, and the most popular top-level domains. Knowledgeable customer service is available twenty-four hours a day, seven days a week and the call is toll-free. In addition to this, one to five-year registration plans are available.
Yahoo! Domains also makes upgrading very easy for those who want to expand to other Yahoo! services. Customers may upgrade to receive a personal custom mailbox or business mail package which reflects the domain name. Users may also transfer their Yahoo! domain from another web host to Yahoo! Web Hosting. If the customer needs help creating an online store, they may summon the help of Merchant Solutions which is a program that will help them manage online sales.
PC Magazine said that a Yahoo Domain was the easiest. It is quite possible to claim that the service is one of the cheapest. It offers all of the aforementioned features for only $4.98 per year at the time of this writing. With so many wonderful features at such a low price, it is hard to overlook an offer like this one.
Mesothelioma Prognosis
Approximately 2,000 to 3,000 new cases of mesothelioma are diagnosed in the United States each year. Once a patient is diagnosed, a doctor will likely discuss their prognosis, or probable course and outcome of the cancer’s influence on the body. The best way to avoid a poor prognosis is through early detection.
Monday, July 13, 2009
Mesothelioma Surgery
Surgical treatments for mesothelioma include three main types - diagnostic surgery, curative surgery, and palliative surgery. Some types of surgery fall into more than one category.
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| Surgery can only be performed during mesothelioma stages I and |
However, for curative surgery to be effective, it is particularly important that mesothelioma be diagnosed as early as possible. Unfortunately, mesothelioma is not usually diagnosed until it reaches Stage III or IV, when surgery is not an option.
mesothelioma cure
Though a cure for mesothelioma does not currently exist, many patients elect to undergo treatment to combat the cancer. Patients may also wish to participate in clinical trials conducted to test up-and-coming treatments and medications before they are released and recommended for public use. Clinical trials are extremely important in the search for a mesothelioma cure. Knowledge gained from study results greatly help medical professionals come closer to the discovery of a cure.
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| 5-Year Survival Rates for Mesothelioma. |
Certain doctors such as Dr. David Sugarbaker have actively pursued better treatment options for mesothelioma patients and have been instrumental in the quest for a cure. Utilizing a multi-modal approach, Dr. Sugarbaker has made great strides in mesothelioma treatment and has increased survival rates for mesothelioma patients.
Learning that a cure does not exist can be discouraging to mesothelioma patients and their loved ones, but stories of survivors continue to surface, instilling hope in those affected by the cancer.
mesothelioma treatment
Most of these treatments are not used in isolation. In many cases, treatment may consist of a combination of therapies. For example, surgery to remove as much of the cancer as possible may be followed by radiotherapy or chemotherapy to remove residual cancer cells. This is one of the most common treatment options for mesothelioma among those who are candidates for surgery.
A number of alternative therapies can also be combined with traditional treatment options. Many patients choose to add alternative therapies such as massage, acupuncture, or TENS therapy to their conventional treatment approach in an effort to enhance or compliment the treatment process. A variety of alternative therapies, including aromatherapy, meditation, or yoga, are often added to a treatment regimen to provide pain relief and foster relaxation.
If you or a loved one have been diagnosed with mesothelioma it is likely you’re interested in the various treatment options available. Working with your doctor to create the best treatment plan is an important step. Knowing what the treatment plan will do to help treat the cancer often helps patients and their families understand the process and feel more comfortable. We offer a complimentary informative packet that includes all the information on our Web site and additional information about available treatment options that you may take with you continually educate yourself and those around you about mesothelioma.
requirements for life insurance
Life Insurance History
All life insurance was originally term insurance. However, because term life insurance only pays a claim upon death within the stated term, most term insurance policy holders became upset over the idea that they could be paying premiums for 20 or 30 years and then wind up with nothing to show for it.
In response to market pressures, actuaries conceived of an insurance policy with level premium payments that were higher than traditional term insurance contracts. These contracts would offer a "cash value", which was designed to be a cash reserve that would build up against the known claim - the death benefit. These policies would also credit interest to the cash value account and upon maturity of the contract (usually at age 95 or 100), the cash value would equal the death benefit.
This produced a benefit to both the policy owner and the insurance company. By guaranteeing the death benefit and the cash value, the policy owner was assured that insurance coverage would be in force when the insured died. The insurance company benefited because with every premium payment made, the net amount at risk, and thus the cost of insurance, was reduced.[1]
causes of mesothelioma
Genetic Mutation of Cells
According to the Mayo Clinic, the causes of mesothelioma can be traced to the genetic mutation that turns healthy cells into cancer cells. These abnormal cells multiply randomly and don't die as normal cells do. The accumulation of cancer cells forms a tumor, which can invade other body tissues and spread further through the body.
It's not yet known what causes the genetic mutation that leads to the cancer mesothelioma, and the interaction of several factors appears to affect its incidence:
· Inherited conditions
· A given individual's environment
· Overall health
· Lifestyle choices such as smoking
Asbestos Exposure Initiates Mutation
This genetic mutation can apparently be initiated when asbestos fibers lodge in the lungs or other internal organs. Some 2,000 to 3,000 people are diagnosed with mesothelioma cancer each year in the United States alone. Nearly all of these unfortunate individuals have asbestos exposure in their history. However, a complete determination of the exact causes of mesothelioma is desirable and would be very helpful in the fight to find a cure for this devastating disease.
A Nationwide Study of the Causes of Mesothelioma
A large-scale research and clinical study with the purpose of finding out more about the causes of mesothelioma is being conducted in the United Kingdom. This "National Study of Occupation and Lung Diseases" is designed to more closely identify causes of mesothelioma among the thousands of victims in the UK, and the results will shed light on causes of mesothelioma in individuals all over the world.
Other Causes of Mesothelioma Cancer
In studies using animals, the Simian virus (SV40) was found to cause mesothelioma. Some polio vaccines given during the mid-1950s to the early 1960s were found to be contaminated with SV40, but no definitive link between SV40 and mesothelioma has been established.
In contrast, there are a handful of documented cases of mesothelioma in patients who underwent x-ray imaging that used thorium dioxide. These x-rays have not been in use for many years because of the link between thorium dioxide and cancer.
Car Insurance
If you're looking for reliable car insurance that will help protect you and your family, we can help. Our coverage is dependable and will help give you the peace of mind you deserve when you're driving. Our affordable plans will help you save money by keeping the cost of coverage as low as possible. You can start off by receiving a free quote today.
Obtain quality protection without having to spend extra money. Check our quotes to see if we can help you lower the price of your current coverage plan. We're certain that we can save you money on car insurance. Since we value our customers, we would like to show our appreciation by offering our rewards to safe drivers.
Our company understands that accidents happen. Let us protect you when they do. Our services are reliable and will help restore your assets if they're lost, stolen, or damaged. We'll also cover related medical expenses or provide protection in the case of a legal dispute. Whatever the situation may be, our auto insurance will provide the necessary safeguard.
You can start enjoying the benefits of our car insurance today by purchasing a coverage plan online. By using our website, not only will you save money, you'll also save time. Within just a few minutes you can complete the online process and receive your proof of insurance right away.
Now is the time to get the car insurance you've always wanted. We can provide better coverage at more affordable rates. Start the process today and get the protection you deserve.
Equity Loan
Many lending institutions require the borrower to repay only an interest component of the loan each month (calculated daily, and compounded to the loan once each month). The borrower can apply any surplus funds to the outstanding loan principal at any time, reducing the amount of interest calculated from that day onwards. Some loan products also allow the possibility to redraw cash up to the original LTV, potentially perpetuating the life of the loan beyond the original loan term.
The rate of interest applied to equity loans is much lower than that applied to unsecured loans, such as credit card debt. The reasoning behind this is that equity loans involve collateral, and credit card debt does not.
Health Insurance
By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.
Sunday, July 12, 2009
Best Forex Trading Robots Review - Learn to Avoid Scams While Choosing Best Forex Trading Software
Recently the surge of forex robots has made it easier for new people to invest and earn in forex business. Now we can easily trade and earn by investing in foreign exchange trading over the internet and from the comforts of our homes.
The introduction of forex robots have made all the difference to the people who want to take less risk and want more returns on their investment. The creators of these robots have claimed that the end user of this system need not learn all the intricacies of studying the complex algorithms and currency movement charts. Only thing you need to learn is basic operation of this software and you are good to go.
Now many people think that these programs can be scams and in reality few of them are scams. In fact the programs which offer huge return on investment in very short period of time are most likely a scam. There are some critical points you need to remember if you want to get the most out of these programs. That’s why it is very important that you first read and study all the forex robots reviews available online from the experts in this field.
Now major advantages of using forex robots are ease of use and savings of your time and money. But there are certain facts which you need to take into account when going for any kind of automated forex trading software like:
1) Volatility of forex market: We all know that foreign exchange market is very dynamic and volatile in nature. This market has a very less correlation between its past trades and future trades.
2) Many external factors affecting market movements: There are several external factors or events which causes continuous low and high movements of currency exchange rates. Sometimes study of these movements can be very complex to analyze.
And that’s where these forex robots come into the picture. They play a very crucial role in analyzing the complex movements. Because of these reasons the software which you are going to purchase should be very reliable and should have past results to prove its authenticity.
U.S. Forex Market Commentary
The euro extended recent gains vis-Ã -vis the U.S. dollar today as the single currency tested offers around the US$ 1.4115 level and was supported around the $1.3980 level. The common currency has been well-bid from the $1.3890 level during yesterday’s North American session and was higher again today on China’s latest call to lessen its reliance on the U.S. dollar by advocating a new supranational currency. Data released in the U.S. today saw May personal income rise 1.4% while May personal spending up 0.3%. These data suggest U.S. consumers have raised their marginal savings rate substantially, to the detriment of countries like China that export heavily into the U.S. Despite China’s latest calls for a new global currency and despite the unprecedented level of debt being sold by the U.S., recent Treasury auctions have performed very well with a high percentage of indirect bidders – suggesting China may still be recycling its massive current account surplus back into U.S. assets. The May PCE deflation was up 0.1% and final June University of Michigan consumer sentiment printed at 70.8, up from 68.7 in May. The improvement in consumer sentiment took confidence levels to their highest level since September. In eurozone news, German consumer prices were unexpectedly higher in June, up 0.4% m/m and 0.1% y/y. Bank of Italy reported the eurozone’s economic contraction eased in June with the EuroCoin indicator falling to -0.61 from -0.89 in May – the fourth consecutive increase. France’s finance ministry reported it expects more joblessness over the next several quarters. Euro bids are cited around the US$ 1.3435 level.
STERLING
The British pound appreciated sharply vis-Ã -vis the U.S. dollar today as cable tested offers around the US$ 1.6560 level and was supported around the $1.6365 level. Cable came within 60 pips this week of establishing a multi-month high dating to November 2008. Cable bids are cited around the US$ 1.6125 level. The euro moved lower vis-Ã -vis the British pound as the single currency tested bids around the ₤0.8505 level and was capped around the ₤0.8570 level.
SWISS
The Swiss franc appreciated vis-Ã -vis the U.S. dollar today as the greenback tested bids around the CHF 1.0795 level and was capped around the CHF 1.0945 level. Data released in Switzerland saw the June KOF leading indicator climb to -1.65 from -1.85 in May. U.S. dollar offers are cited around the CHF 1.1165 level. The euro and British pound came off vis-Ã -vis the Swiss franc as the crosses tested bids around the CHF 1.5210 and CHF 1.7850 levels, respectively.
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Forex Trading Education - Extremely Important Tips To Get Started
For example, a broker might buy a Japanese yen when the yen to dollar ratio increases, then sell the yens and buy back American dollars for a profit.
What are some of the differences between the stock market and the forex market? Well, first of all, the stock market is where stocks are sold and bought whereas the forex market involves trade of currencies. The forex market is much larger than the stock exchange. Almost two trillion dollars are traded daily in the forex market. The forex market is one that involves governments, banks, financial institutions and those similar types of institutions from other countries.
One characteristic that differentiates the forex market from the stock market is that what is traded, bought and sold on the forex market is something that can easily be liquidated. This means that it can be turned back to cash fast, or often that it is actually going to be cash.
Another difference between the stock market and the Forex is that Forex trading has a much higher leverage than the stock market. When someone decides to invest in the Forex, they can expect much higher profits than the stock market, especially as their level of experience increases.
Being a global market, the forex exchange operates at twenty four hours a day. This is because the various countries involved in currency trade are located in so many different time zones. The stock exchange on the other hand is only open during the business day, and closes on banking holidays and weekends.
This are just some of the many differences between the stock and forex markets. For those who want to get started in the forex trade, some brokers provide the service of trading using the mini-forex system. It requires a smaller initial deposit usually of around $100, therefore you have less chances of losing a lot of money.
For a novice trader,the forex can be a complex jungle of terminologies and symbols. It is therefore a good idea to use an experienced broker to transact your investments as well as educate you on what this terminologies mean. Such brokers will provide excellent advice since they have invaluable experience gathered over time. Some names in the forex market are indicated using symbols. In such cases, the first half of the symbol indicates one currency, and the other half is the second currency that is being used. The symbol “usdjpy” means “US dollars” and Japanese yen. It is important to learn what currency symbols mean when learning about the Forex. There are many books and websites dedicated on teaching traders about using the Forex.
Before choosing a broker to transact your deals in the forex market, certain factors should be considered. Choose a broker that offers low spreads. The spread is calculated in pips, or the difference between the price at which currency can be purchased and the price it can be sold at any given time. Forex brokers don’t charge a commission and only make their money off of the spreads.
Friday, July 10, 2009
Plastic Surgery
domain name
Domain names are used in various networking contexts and application-specific naming and addressing purposes. Domain names are organized in subordinate levels (subdomains) of the top-level Internet domains (TLDs), such as the prominent domains com, net and org. Below the top-level domains in the DNS hierarchy are the second-level and third-level domain names that are typically open for reservation by end-users that wish to connect local area networks to the Internet, run web sites, or create other publicly accessible Internet resources. The registration of these domain names is usually administered by domain name registrars who sell their services to the public.
Individual Internet host computers use domain names as host identifiers, or hostnames. Hostnames are the leaf labels in the domain name system usually without further subordinate domain name space. Hostnames appear as a component in Uniform Resource Locators (URLs) for Internet resources such as web sites (e.g., en.wikipedia.org).
Domain names are also used as simple identification labels to indicate ownership or control of a resource. Such examples are the realm identifiers used in the Session Initiation Protocol (SIP), the DomainKeys used to verify DNS domains in e-mail systems, and in many other Uniform Resource Identifiers (URIs).
An important purpose of domain names is to provide easily recognizable and memorizable names to numerically addressed Internet resources. This abstraction allows any resource (e.g., website) to be moved to a different physical location in the address topology of the network, globally or locally in an intranet. Such a move usually requires changing the IP address of a resource and the corresponding translation of this IP address to and from its domain name.
This article primarily discusses the group of domain names that are offered by domain name registrars for registration by the public. The Domain Name System article discusses the technical facilities and infrastructure of the domain name space and the hostname article deals with specific information about the use of domain names as identifiers of network hosts.
refinance
In essence, refinancing can alter the monthly payments owed on the loan either by changing the loan's interest rate, or by altering the term to maturity of the loan. More favourable lending conditions may reduce overall borrowing costs. Refinancing is used in most cases to improve overall cash flow.
Another use of refinancing is to reduce the risk associated with an existing loan. Interest rates on adjustable-rate loans and mortgages shift up and down based on the movements of the various indices used to calculate them. By refinancing an adjustable-rate mortgage into a fixed-rate one, the risk of interest rates increasing dramatically is removed, thus ensuring a steady interest rate over time. This flexibility comes at a price as lenders typically charge a risk premium for fixed rate loans.
In the context of personal (as opposed to corporate) finance, refinancing a loan or a series of debts can assist in paying off high-interest debt such as credit card debt, with lower-interest debt such as that of a fixed-rate home mortgage. This can allow a lender to reduce borrowing costs by more closely aligning the cost of borrowing with the general creditworthiness and collateral security available from the borrower. For home mortgages, in the United States, there may be certain tax advantages available with refinancing, particularly if one does not pay Alternative Minimum Tax.
Credit cards
A credit card is different from a charge card, where a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers to 'revolve' their balance, at the cost of having interest charged. Most credit cards are issued by local banks or credit unions, and are the shape and size specified by the ISO/IEC 7810 standard as ID-1.
Lasik
Many patients choose LASIK as an alternative to wearing corrective eyeglasses or contact lenses.
Mesothelioma
Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fiber in other ways. Washing the clothes of a family member who worked with asbestos can also put a person at risk for developing mesothelioma.[2] Unlike lung cancer, there is no association between mesothelioma and smoking, but smoking greatly increases risk of other asbestos-induced cancer.[3] Compensation via asbestos funds or lawsuits is an important issue in mesothelioma (see asbestos and the law).
The symptoms of mesothelioma include shortness of breath due to pleural effusion (fluid between the lung and the chest wall) or chest wall pain, and general symptoms such as weight loss. The diagnosis may be suspected with chest X-ray and CT scan, and is confirmed with a biopsy (tissue sample) and microscopic examination. A thoracoscopy (inserting a tube with a camera into the chest) can be used to take biopsies. It allows the introduction of substances such as talc to obliterate the pleural space (called pleurodesis), which prevents more fluid from accumulating and pressing on the lung. Despite treatment with chemotherapy, radiation therapy or sometimes surgery, the disease carries a poor prognosis. Research about screening tests for the early detection of mesothelioma is ongoing.
Insurance
Attorney
The United States legal system does not draw a distinction between lawyers who plead in court and those who do not, unlike many other common law jurisdictions (such as Britain, which has distinct between solicitors and barrister (or, in Scotland, advocates) or and civil law jurisdictions (such as Italy and France, which distinguish between advocates and civil law notaries). An additional factor which differentiates the American legal system from other countries is that there is no delegation of routine work to notaries public or their civil law notaries (their civil law equivalent).
Attorneys may use the post-nominal letters Esq., the abbreviated form of the word Esquire.
loan
In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.
Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.
FIVE YEARS FOREX
Cash, stocks, and currency is traded through the foreign exchange markets. The FOREX market will be present and exist when one currency is traded for another. Think about a trip you may take to a foreign country. Where are you going to be able to ‘trade your money’ for the value of the money that is in that other country? This is FOREX trading basis, and it is not available in all banks, and it is not available in all financial centers. FOREX is a specialized trading circumstance.
Small business and individuals often times looking to make big money, are the victims of scams when it comes to learning about FOREX and the foreign trade markets. As FOREX is seen as how to make a quick buck or two, people don’t question their participation in such an event, but if you are not investing money through a broker in the FOREX market, you could easily end up losing everything that you have invested in the transaction.
Scams to be wary ofA FOREX scam is one that involves trading but will turn out to be a fraud; you have no chance of getting your money back once you have invested it. If you were to invest money with a company stating they are involved in FOREX trading you want read closely to learn if they are permitted to do business in your country. Many companies are not permitted in the FOREX market, as they have defrauded investors before.
In the last five years, with the help of the Internet, FOREX trading and the awareness of FOREX trading has become all the rage. Banks are the number one source for FOREX trading to take place, where a trained and licensed broker is going to complete transactions and requirements you set forth. Commissions are paid on the transaction and this is the usual.
Another type of scam that is prevalent in the FOREX markets is software that will aid you in making trades, in learning about the foreign markets and in practicing so you can prepare yourself for following and making trades. You want to be able to rely on a program or software that is really going to make a difference. Consult with your financial broker or your bank to learn more about FOREX trading, the FX markets and how you can avoid being the victim while investing in these markets.
Friday, July 3, 2009
Review of Cingular Wireless
I recently switched from Sprint PCS to Cingular. Here are some of my experiences with Cingular’s service. I will be posting separate reviews in the coming week about my phones and my experience with Sprint over the past few years.
Background and Technology
Cingular is a nationwide mobile phone carrier. Unlike most American carriers, Cingular uses GSM. GSM is a set of digital standards that is used by approximately 70% of the world’s cell-using population, and is most widely deployed in Europe and Asia. I have discovered there are some advantages to GSM:
* Every GSM phone has a “SIM card” in it. This card carries information such as your phone number, cell provider account, and wireless networks to use. It can optionally also hold phonebook entries. If you wish to switch phones, all you have to do is pop the SIM card from one to the next, and your new phone is instantly live and active on the network. Very nice system.
* PC communications (using your phone as a modem, downloading phonebook entries, etc.) seem to be standardized across GSM phones
* Data communications (Internet browsing from your phone) also seems to be fairly well standardized in the GSM world
It seems that the coolest, smallest (and also best-priced) phones come out first in GSM. I suspect that’s because the GSM market is much larger than the mostly North American CDMA market.
Terah and I signed up for the cheapest 2-phone plan from Cingular, a $60/mo “FamilyTalk” plan with 500 anytime minutes per month (that roll over to the next month if unused), and unlimited nights/weekends and mobile-to-mobile calling. We both have Motorola v551 phones.
LG Lotus - black (Sprint)
OVR BUTTON POCKET
* CNET editors' rating: 4.0 stars Excellent
Detailed editors' rating
Design: 9.0
Features: 8.0
Performance: 8.0
Overall score: 8.3 (4.0 stars)
* Average user rating: 3.0 stars out of 26 reviews
* See all user reviews
*
Product summary
The good: The LG Lotus is a stylish and slender clamshell phone with a full QWERTY keyboard. Features include a 2.0-megapixel camera, a music player, Sprint's 3G services, and an innovative easy-to-use shortcut interface called One Click. Call quality is good and the keyboard is tactile.
The bad: The LG Lotus lags a bit when entering text and switching applications, and is a little on the pricey side.
The bottom line: The LG Lotus has an eye-catching design, top-notch features, and great performance, making it one of the top messaging phones available from Sprint.
Specifications: Talk time: Up to 330 min ; Combined with: With digital camera / digital player ; Weight: 3.7 oz
