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Coping With The Cost Of mortgage Payment Protection Cover

2007-09-27T00:47:00.000-07:00

The main reason that is cited as to why most homeowners do not have any mortgage payment protection cover in force is that it is too expensive and they cannot afford to make the premiums and live comfortably. However, this reason is often cited before individuals look into mortgage payment protection cover in any depth. They hear the price and say no before finding out what mortgage payment protection cover actually is.

Alternatively, many individuals state that the cover will never be needed and thus is a waste of money. Again, these individuals know nothing of what mortgage payment protection cover is or can do for the individual in grim financial circumstances.

Although we all hope that we are never in a position where we have to think about where our next mortgage payment is going to come from, most homeowners would be glad of mortgage payment protection cover if that were the case. It can be an extremely valuable product if given the chance to prove it.

However, if mortgage payment protection cover is added onto a mortgage, it can be difficult to pay the premiums. It just adds to the expense, and finding the premium the same day as your mortgage can be a major strain!

It does not help if your mortgage lender offers mortgage payment protection cover that is higher in price than its competitors products either. Most individuals feel obliged to consider their cover because they hold the common and yet misguided belief that they have to take out mortgage payment protection cover with their mortgage lender if they are to take it out at all. This is not the case.

There are providers that offer standalone policies with lower premiums that are payable on a monthly basis and are in fact completely separate from the mortgage. Having this mortgage payment protection cover may actually make the expense more manageable and yet still give you peace of mind!

Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of mortgage payment protection cover, loan protection insurance and income protection insurance.

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Protecting Your Wardrobe Through The Seasons

2007-09-25T21:06:00.000-07:00

With the changing seasons comes the need to make some changes yourself, one of which involves storing the passing seasons clothing to make the new seasons wardrobe accessible in your closet. Whether you remove last seasons clothing from your closet completely or just rearrange your closet to make this seasons attire more available, taking certain precautions with your out of season wardrobe can help protect your clothing during storage and preserve its quality for making the switch again in a few months.

If you took the time to add up the value of each article of clothing in your wardrobe, you would find that your wardrobe is one of the larger investments within your home. There are a few hidden dangers that can sneak up on you when it comes to storing clothing for long periods of time. Here we examine some factors that can threaten the longevity of your clothing, and offer some simple tips for protecting your valuable wardrobe from them.

Moisture and heat are common culprits for clothing damage during their storage season. Clothing, when exposed to excessive heat and moisture, can fade and develop mildew. Many well meaning people utilize extra space in a basement or attic for clothing storage, and end up with an unpleasant and foul smelling surprise upon retrieving their prized clothes. Storing out of season clothing in a cool and dry environment is important to ensuring that the clothes you retrieve in a few months are in the same condition as the day they were first packed away. Clothes are also better stored in areas where there is ample air circulation. Additionally, make sure you are positive that clothing is completely clean and dry before storing it away.

As unpleasant as it may be, bugs also pose a threat to your stored clothing. Yes, bugs. The threat of pests such as clothing hungry moths and carpet beetles is one of the main reasons that you should be positive your clothes are extremely clean before placing them in storage. Such pests are attracted to natural fibers, which means your precious cotton, wool and silk clothing is at risk. Cleaning your clothing as well as your closet area thoroughly during the process of storing clothes for the season is an important first step for pest prevention. If you have a pest problem, you may consider a repellent such as cedar chips to prevent these formidable foes from causing costly damage to your wardrobe.

About the Author: Stephen Nickse is the founder of Closet Solutions, a leading provider of quality Boston custom closets, strategically headquartered in the nations design capitol, Boston, Ma. For more information, please visit http://www.closet-solutions.com

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The 5 Best Cell Phones on the Market

2007-09-23T18:28:00.000-07:00

There are literally hundreds of cell phones out there made by dozens of manufacturers. It is hard to determine which are the best of the group - or at least, which is best for you. The decision is a difficult one, and we hope the information below will help you make a wise choice. The five cell phones listed below are truely the best of the best in terms of quality design, dependability, and overall user satisfaction. Although there are a lot of great cell phones out there, we are sure that these are some of the very best.

Motorola i860 Video and Camera Mobile Phone

Manufacturers Description: The sleek Motorola i860 is packed with more than a dozen top-of-the-line features including 10-second video capture and playback and a 0.3-megapixel camera with 4X digital zoom. In addition, it allows users to easily exchange digital photos and contact information with others.

The Motorola i860 handset is another example of how Motorola strives to meet our customers needs by offering one mobile device to streamline communications," said Rey More, senior vice president and general manager, Motorolas iDEN Subscriber Group. Its multimedia services enable users to easily capture the moment when it happens and share it with others, wherever they may be.

The phones 10-second video capture capability includes a short-range LED spotlight to provide additional light for close-up pictures. The camera allows users to take pictures in a variety of sizes suitable for sharing, in-camera viewing, wallpaper designs, and picture caller ID. Users can get themselves in the picture using the self-timer.

With the Motorola i860, users can share their pictures and audio recordings by sending and receiving multimedia messages.1 The phones integrated Media Center allows users to conveniently manage all pictures, voice recordings, ring tones, videos, and wallpaper designs from a single area.

Other features of the Motorola i860 that are new to iDEN handsets include:

Picture Caller ID - allows a previously-assigned picture of a caller to appear in the external display when a phone call is incoming from that contact

Larger external color screen - displays up to 3 lines of text and pictures

Larger internal color screen - displays up to 11 lines of text in vibrant color

Push-to-Send My Info2 - allows users to send their contact information via the push-to-talk (PTT) button. Users can limit the amount of information sent or send a virtual business card to network more efficiently.

Push-to-Send Contacts2 - allows users to easily share another users contact information via the PTT button

Media Downloader application available for download from the Internet, this free application allows users to transfer photos and videos from their phone to their PC via a USB cable (not included)

25 MB of memory available to end users - for ring tones, voice recordings, videos, pictures, messages, wallpaper designs, and Java applications

MP3 ring tones - including music and voice

Openwave 7.0 Internet microbrowser - lets users browse graphic-rich xHTML sites

Push-to-open button - offers convenient, one-handed operation of the flip-style phone by mechanically opening the flip when pressed

The phone also has many of the features associated with Motorolas iDEN technology, including location-based services, integrated speakerphone, voice recorder3, voice dialing, downloadable applications, and a two-way radio for instant communication at the touch of a button.

The Motorola i860 handset weighs 4.77 ounces and measures 3.45 x 1.96 x 1.01 inches with the included high performance battery.

Overall Value Rating: 9.7 / 10 - Excellent

Price: $250 - $400

Nokia 6230 Cell Phone (Cingular)

Manufacturers Description: Offering the best and latest technology and features, the Nokia 6230 meets the requirements of the most demanding mobile phone users. The tri-band (GSM, GPRS, EDGE 900/1800/1900, GSM, GPRS, EDGE 850/1800/1900) mobile phone offers multiple connectivity options via EDGE and bluetooth wireless technology, a removable multimedia memory card as well as an integrated VGA camera to capture pictures and videos. Sleek and compact, the Nokia 6230 is expected to start shipping in Europe, Africa, Asia Pacific and Americas in the first quarter of 2004.

"Traditionally, mobile professional are early adopters of mobile technology, demanding advanced functionality and higher data speeds to keep them informed, entertained and connected while on the move," said Kai istm," Senior Vice President, Nokia Mobile Phones. "With EDGE, bluetooth technology, an integrated camera, MMS functionality and even an integrated MP3 player, the Nokia 6230 addresses these needs with an impressive range of features to help balance a busy work schedule with after-work responsibilities."

One of the key benefits of the Nokia 6230 is a compelling multimedia experience. With an integrated VGA camera and a display with 65,000 colors, pictures and videos taken with the Nokia 6230 appear sharp and bright. The video player adds the ability to record, send and receive video clips with audio, as well as receive streaming video content in 3GPP video streaming format. High quality video and images, voice, presentations, files and music can be stored on a removable multimedia memory card. Users can also create, send and receive multpicture, multimedia messages with Synchronized Multimedia Integration Language (SMIL) technology. SMIL technology allows users to compose multi-image messages that display text, sound and images in a pre-determined order.

For flexible and efficient wireless connectivity, the Nokia 6230 phone offers bluetooth wireless technology and infrared connectivity as well as HSCSD and GPRS support. bluetooth enables a wide range of new exciting enhancements for seamless connections and comfortable wearability, like the Nokia 610 car kit phone and the stylish Wireless Boom Headset also announced today. The complete list of bluetooth enhancements compatible with the Nokia 6230 can be viewed at www.nokia.com/products/Nokia6230.

Using the high-speed packet-based EDGE connectivity of the Nokia 6230, business professionals can enjoy faster browsing, messaging and downloading. With a downlink data speed of up to 236.6 kbps, downloading with the Nokia 6230 via EDGE enables downloads more than 4 times faster than with GPRS.

In addition, the Nokia 6230 has a mobile email client that lets users manage their email quickly over EDGE, GPRS and HSCSD networks. The advanced xHTML browser gives fast access to mobile services and information, and the integrated TCP/IP technology** enhances both the ease and speed of over-the-air file downloads. Data synchronization capability allows users of the Nokia 6230 to update personal data remotely over the network. Local synchronization of personal data can also be done via bluetooth, IrDa, USB and the Nokia PC Suite.

With the presence-enhanced contacts service, users of the Nokia 6230 can share their availability, intentions and whereabouts with colleagues, family, friends and other contacts. For example, a business professional can change his phone profile to 'Meeting' and advise his colleagues to reach him by SMS or MMS. Exchanging instant text messages is another interesting possibility with the presence-enhanced Chat function, where users of the Nokia 6230 can create their own private chats and invite others to participate, or even join public chats of their interest.

The Nokia 6230 also includes a digital music player for AAC/MP3 music formats. In addition to enjoying high quality stereo music, music enthusiasts can set their favourite music as wake-up tones as well as alert and ring tones.

Key features include:

Active TFT color display - with up to 65.536 colours
Integrated digital VGA camera
High speed packet-based EDGE and GPRS connectivity
bluetooth
Digital camcorder and video player
Video streaming including AMR audio
MMC Multimedia card support
Java MIDP 2.0
Presence-enhanced contacts and chat
MP3/AAC music player and built-in FM stereo radio
xHTML browser for enhanced mobile browsing experience
Advanced PIM functionality (calendar, phonebook, to-do list, notes)
OMA Digital Rights Management version 1.0
Mobile Wallet
Integrated hands-free speaker
Polyphonic ring tones (supporting up to 24 instruments)
Infrared, USB, PC Suite
76 cc, weighs 97 grams
Talk time of up to 5 hours and a standby time of up to 300 hours.

Overall Value Rating: 9.6 / 10 - Excellent

Price: $150 - $300

Motorola A630 Cell Phone (T-Mobile)

Manufacturers Description: Following in the footsteps of the game-changing Motorola StarTAC and the companys revolutionary two-way pagers, the model A630 is yet another innovative new product from Motorola. Packaged in a unique, multi- functional design featuring a QWERTY keyboard hidden inside a sleek candy bar form, the Motorola A630 lets you call, text or email with style and ease.

From the outside, you see a fashionable, compact mobile handset. Once opened, the device reveals a full QWERTY keyboard that makes texting, email exchanges and Instant Messaging easy. The A630 does not stop there. For multi-media fun, the handset comes with an integrated camera with 4 x zoom, multi-media messaging for sending and sharing images, dedicated gaming keys and a vivid color display that offers portrait as well as landscape views. When its time to be productive, the A630 offers integrated bluetooth wireless technology, an office quality speakerphone and email support including POP3, SMTP and Imap4. The Motorola A630s fusion of the mobile and messaging worlds without sacrificing weight, size or style makes it the ideal device for today's text-savvy trendsetting consumer.

With the debut of the model A630, Motorola delivers a uniquely designed handset that stands apart from the pack, promising simplified voice and messaging communications supported by the latest technology, said James Burke, Sr. Director of Product Operations for Motorola, Inc. With its clever combination of fun and function, the model A630 is sure to please style-conscious movers and shakers."

The Motorola A630 features include:

Full QWERTY keyboard with 5-way navigation for easy messaging, fun gaming and more

Integrated VGA camera with dedicated photo button for quick shoot and send power

220 x 176 pixel color landscape display capable of supporting up to 65,000 colors

Built-in bluetooth wireless technology

Advanced messaging including Multi-Media Messaging Service (MMS), SMS, e-mail support (POP3, SMTP, Imap4) and multibranded IM (Instant Messaging)

GSM tri-band capabilities

J2ME downloading functionality

Integrated hands-free speakerphone

Polyphonic speaker for the ultimate sound and cool MP3 ringtones

Overall Value Rating: 9.3 / 10 - Very Good

Price: $150 - $350

Samsung p735 Cell Phone (T-Mobile)

Manufacturers Description: Featuring a package of design and multimedia features, the imaginative p735 is Samsung's first GSM megapixel camera phone in the U.S. With options that entertain, enrich and enhance a consumer's wireless experience, the p735 boasts an eye-catching twist and flip display and advanced multimedia technology, including a megapixel camera phone, video recorder, MP3 player and expandable memory.

The phone's distinct feature is a swivel form factor that allows the consumer to twist the display so that the vibrant 262,000-color screen rotates to a horizontal position, giving the phone a more camcorder-like feel and making picture taking and video recording easier. And with a megapixel camera, film-quality pictures can be stored and printed at sizes up to 4x6.

For moments such as upcoming holiday gatherings that require more than a quick snapshot, the video recorder is practical and convenient, and video and pictures can be shared wirelessly via T-Mobile's messaging services. While the phone's 64MB of internal memory provides space for pictures and video, the p735 comes with an RS MMC media slot and additional 32MB multimedia card so no moment is ever missed. In addition, the expandable memory slot offers space for easy and quick access to supplementary applications and games.

For those that still have the gamer in them but are too busy to play at home, the p735 acts as a gaming device with access to 3D games, including Metalion and Zio Golf. For music download addicts, the p735 comes equipped with a personal MP3 player, so downloading, playing and sorting music wirelessly becomes a convenience, not a hassle. Sounds come in clear with T-Mobile's HiFi Ringers and the device's pre-packaged headset provides a heightened auditory experience.

The p735 will change the way consumers view their wireless phone said Peter Skarzynski, senior vice president of Samsung's wireless division. Whether using the phone to download and listen to music, or snapping pictures and video clips to send back to the office while on a business trip, the p735 will enhance consumers' digital lifestyle.

This is a truly fun phone said Todd Achilles, director of handset product management for T-Mobile USA. From the bright screen, to cool swivel design, and MP3 player to the megapixel camera, there's a lot to keep you entertained

Features:

Integrated MegaPixel Digital Camera - Take pictures on the go. Enjoy one megapixel pictures plus digital zoom, multishot, and more. RS MMC Media Slot - Add memory, applications, and store photos with a memory card.

MP3 Player - Download, play and sort your favorite tunes to listen to on your phone.

262 TFT Main Color Display - Makes everything come to life on your phone including photos, picture caller ID, and more. Video Messaging - Record up to 15 second clips with sound and send them to other compatible phones.

Overall Value Rating: 9.0 / 10 - Very Cool

Price: $400 - $550

LG VX4600 Cell Phone (Verizon Wireless)

Manufacturers Description: The attractive VX4600 is the perfect mobile phone for consumers who are looking to express themselves with high-end quality, style and essential functionality. Its ultra-cool clamshell design, high-resolution internal color display, and innovative external OEL (Organic Electro-Luminescent) screen make an undeniable statement of style.

Basic Information:

Talk time: 200 minutes Standby time: 165 hours Size: 3.43H x 1.81W x 0.98D inches Weight: 3.38 oz

Basic Features:

1.9 Ghz PCS, 800 MHz CDMA (All Digital)
Enhanced Messaging Service (EMS) to send and receive text messages with graphics and sound
E911 Emergency Location-capable
2.5mm headset jack to accept universal hands-free headsets
65K TFD Main Color Display (120 x 160) 8 lines of Text
OEL Sub Display (96 x 38) 3 lines of Text
Blue Backlit Keypad
5-Way Navigation Key
CMX MIDI (musical instrument and games digital interface) for sounds and ringers
Large Phone Book: 499 contacts (each stores 5 numbers and 3 email addresses)
36 Embedded Ring Tones and download more
Vibrate and Silent Modes
Voice-Activated Dialing
Speed Dialing (99 Entries)
Bilingual (English and Spanish) capabilities
Personal Organizer: Calendar with Scheduler, Alarm Clock, Voice Memo, Notepad, EZ Tip Calculator, Calculator and World Clock
External USB Capable
1-Year limited warranty
Meets FCC SAR limit. Manufacturer's highest FCC reported SAR 1.22 at ear, .74 on body. Actual SAR may vary.

Overall Value Rating: 8.8 / 10

Price: $100 - $200

Bradley James is the chief editor of the consumer electronics review website SciNet.cc. Get more information about cell phones, compare prices and read reviews at our best cell phones website.

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Two Way Radios - A Cheaper Alternative

2007-09-23T18:23:00.000-07:00

The utility of two way radios may be questioned by some people. What they may think is that the traditional method of using mobile phones or telephones is equally efficient in ensuring smooth communication anywhere. Then what is the necessity of spending money on these radios? But the fact is that these methods offer paid service; each and every call you make costs you something.

In comparison to this, communicating with a two way radio is far more cost-effective. Moreover, they are easy to use. They come with a push to talk button; in order to initiate a conversation, you will just have to push this single button. Whats more, they are equally fit for indoor as well as outdoor usage. So, one can make use of them at offices, during road trips, in malls, and even at the time of hunting.

As two way radios are based on wireless technology, it is easier to carry them from here to there. Various models are available in the market. Some of them are cheap and easily affordable, even by people with limited budget. Flashy radios are also there for the well-off group. In order to make inter-departmental communication easier, a corporate office can buy quite a few cheap radios.

Thus, two way radios make life easier, by helping people out with their wireless communication needs in a cost-effective manner. Although they cover only a limited area, they are certainly a better alternative if you keep the cost part in mind. There are no monthly rentals, no per minute call charge and no roaming charges.

When you are out there in the market to buy a two way radio, make it a point that you make some comparisons. Comparisons will help you buy the right product. So, after you buy it, you will get satisfactory service from it.

Dennis Jaylon is a renowned business writer who has years of experience in writing technical reviews, product descriptions and product feature analysis of technical gadgets and gizmos. He has won appreciation especially for enlightening people about the latest communication gizmos...the Two way radios

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Business Plan 101 How to Write a table of Contents

2007-09-21T14:31:00.000-07:00

No matter what business you plan to start in your next entrepreneurial endeavor you need to be thinking about writing a business plan. Even if you are not seeking funding for your new business or already have secured funds from family members, angel investor types, personal savings or partners. A business plan helps you start out on the right foot and makes you think about your future strategies. One important thing you need in a business plan is a table of contents that you can use as a guide, as you go thru the hectic and tedious steps to start your new business. There are a myriad of rules, regulations and inane paper work and you must stay focused at all times.

It is recommended that you go and buy yourself a book on how to write a business plan and try to find one, which has a sample business plan which is most similar to your business model inside. Below is a sample table of Contents that you can use to help you, so A.) you do not forget any important items and B.) as a template to help you create your own table of contents. I recommend you print this article and then take the table of contents and modify it to fit your business model. Once you complete this exercise you are well on your way to creating the best possible business plan for your future small business. Now then, below is a table of contents, which we had used in a business for a mobile car wash company. Go ahead and look it over and see if this is something you believe can assist you.

- - - - - - - - - - - - - - -

Executive Summary 3

Company Analysis 6

Company Description

Company Mission Statement

Company Analysis

Industry Analysis 10

Trends

Position for Growth

Marketing Analysis 12

Target Markets

Bonzai and Blitz Marketing

Sales

Advertising

Media

Management 22

Operations 25

Inventory

Equipment

Hours

Systems, Procedures, Computer, Credit Card Units

Legal Strategies 30

Licensing

Regulations

Insurance

Financial Strategies 32

Taxes

Capital Requirements

Benefits

Strategic Planning 35

Long Term Goals

Manager Plug-Ins

Financial Projections

Billing

Anticipated Gross Sales from Services

Anticipated Business Expenses

Profit Per Truck

Appendix 38

First Year One Truck Anticipated Gross Sales from Services

First Year One Truck Anticipated Business Expenses

Net Profit One Truck

Picture and Sketch of Unit and Signage

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

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Pregnancy Week By Week

2007-09-21T14:28:00.000-07:00

There are three stages of pregnancy. These are the first, second and third trimesters. The first trimester runs from week one to week fourteen, the second covers weeks 15 26, then the third is weeks 27 40.

Week 1+2: This is actually before you get pregnant. Its the stage where your body prepares itself by ovulating. And its in these 14 days that the egg is fertilized by the sperm

Week 3: The fertilized egg now moves down the fallopian tubes, fluid passes into the ball of cells, dividing them into two. The inner cells will form your baby and the outer cells will form the placenta. Your body, at this stage, is still unaware that it is pregnant. The implantation begins as the cell ball reaches the wall of the uterus. In this process the cells actually bury into the uterus wall, which can sometimes lead to you having spotting. The implanted cell ball now becomes an embryo.

Week 4: This is a week of rapid development, and your body now realises it is pregnant. The amniotic sac and cavity begin to develop and also the Yoke sac appears (this will later form the babys digestive system). The placenta now starts to form where implantation took place and blood from you will now go into the placenta. It is usually about day 27 that we start to feel the morning sickness.

Week 5: The primitive streak (the fore runner of the brain and spinal cord) is now developing. Through this primitive streak the cells will develop into three layers:

The endoderm: the bottom layer develops the glands, lung linings, tongue, bladder, digestive tract, tonsils, urethra and associated glands.

The mesoderm: the middle layer forms the muscles, bones, heart, lungs, spleen, blood cells, and the reproductive and excretory systems.

The ectoderm: the top layer forming the skin, nails, hair, eye lens, nose, mouth, anus, tooth enamel, pituitary gland, mammary glands, and all parts of the nervous system.

Other cells will be starting to develop the spine (called the notochord). The first steps towards forming the embryos head, and the first formation of the babies blood cells happen this week.

Week 6: The first few days of this week is when your babys heart starts beating. The aorta (the largest artery in the whole body) will be starting to form at around day 40. By mid week many organs are starting to form: eyes, arm buds, liver, gall bladder, stomach and intestines, lungs and pancreas.

Week 7: This is a busy week for your growing baby. During this week your baby will double in size. The lenses of the eyes are developing and there is also a recognisable tongue. The legs and arms are developing into paddles, the jaws are now visible.

Week 8: The cerebellum starts to form this week. Thats the part of the brain responsible for the movement of muscles. Also hand and foot plates, elbow and wrist areas are forming. Towards the end of the eight week the hand plate has formed ridges where the fingers will be. There is further development of the eye; pigment is now appearing on the retina. Teeth buds are now forming within the gums, along with the wind pipe, bronchi, and voice box. The heart is now starting to develop the four chambers.

Week 9: Your baby is now starting to form cartilage and bones. During this week the ovaries will develop into the sex organ determining whether youre having a boy or a girl. The fingers and thumbs are now taking shape. Also the baby is now becoming more active.

Week 10: Its now that your embryo has become a baby, all be it on a rather small scale. There is a fully formed upper lip. The development of the heart now slows as it is past the critical stage. By mid week the earlobes are fully formed. Toes start to develop on the foot plate. As the bones of the palate (roof of the mouth) start to fuse together, the tongue starts to develop taste buds.

Week 11: as the morning sickness starts to subside, you may feel your appetite increase. Your babys body starts to straighten. In males the penis is now distinguishable and in females the vagina is beginning to develop. This stage is where the baby starts to show individuality, as the muscle structure varies in each baby.

Week 12: Your baby will start to develop fingernails over the next three weeks. The brain is now the same structure as it will be at birth. By the end of the week, the gall bladder and pancreas will be fully developed. Also the baby will now be opening and closing its mouth.

Week 13: This week vocal chords will form in the larynx. Also the intestines will move from the umbilical cord into the abdomen, and will start to form folds and become lined with villi.

Week 14: You may have noticed some changes to the areola (the area around your nipple); it may be getting larger and darker. Your babys heart beat will now be able to be heard using a Doppler. Breathing, sucking and swallowing motions will be being practised. The breathing practises will take the amniotic fluid in and out of the lungs. babys hand also becomes more functional.

Week 15: The babys neck is now defined, with the head now resting on the neck rather than the shoulders. The hair pattern of the baby will be defined by the 102nd day of the pregnancy your baby will now be able to turn its head, open its mouth, kick, press its lips together and turn its feet.

Week 16: This week the babys toe nails will start to grow. The muscles will be growing stronger and the neck and head are growing straighter. As the uterus starts moving upwards you may start showing more, but this does mean less pressure on your bladder, making you feel like urinating less.

Week 17: Your baby will be working on more reflexes this week; blinking, sucking, and swallowing. Development is carrying on with all the existing structures. Through the course of this month your babys weight will increase 6 times.

Week 18: By mid week your babys eyes and ears will now be in the right places. The finger tips and toes will develop pads, and toe and finger prints will start to develop later in the week. Myelinization, a process of coating the nerves with a fatty substance called myelin which speeds up nerve cell transmission and insulates nerves, will start happening this week. Also by the second day of this week meconium (faecal waste) will start developing in the babys bowels.

Week 19: A creamy looking substance that covers the babys body, vernix coseosa, will start to form. This protects the baby and its developing glands and sensory cells. If youre having a baby girl primitive egg cells are now developed in the ovaries, in fact females are born with all the eggs their ovaries will ever have.

Week 20: Most of the major development has now taken place, and the danger zone of the first three months is now over. Your baby will be waking and sleeping, just as newborns do. Also the formation of fine scalp hair and eyebrows will begin.

Week 21: Your body is replacing the amniotic fluid very three hours at this stage of your pregnancy. babys leg and arm movements increase as the muscles and bones become stronger. By the end of the week a stethoscope will be able to detect the babys heart beat.

Week 22: If the baby is a boy, the testes will start to move from the pelvic area into the scrotum. The hair on the head and eyebrows is now visible as white and short.

Week 23: The bones in the middle ear start hardening making the conduction of sound possible. The baby will start to gain some considerable weight between now and next month. The size of the babys body will start to get into proportion though the head will remain larger than the rest of the body.

Week 24: The skin of your baby is wrinkled, but will smooth out as fat is deposited. Also by the end of this week the babys heart beat is so strong it is some times possible to hear it by placing an ear on your stomach.

Week 25: babys skin is now turning a reddish/pink as capillaries start to develop. The nostrils will now start to open, as they have been plugged unto now. The lungs will start developing blood vessels and the finger and toe nails will now be covering half the nail bed.

Week 26: with the nostrils now open, muscular breathing will start. By the end of the week the lungs will be secreting surfactant, a substance which prevents the lung tissue sticking together. Also with the formation of blood vessels in the lungs, they will now also be developing air sacks. Brain wave activity starts this week for auditory and visual activity.

Week 27: Bumping and thumping is becoming stronger as your baby grows stronger, you should be feeling around 10 kicks in a two hour period. babys lungs are growing rapidly and there is continual development with brain patterns.

Week 28: This is when the eyelids un-fuse and open up. Muscle tone is improving, and the lungs are capable of breathing air. The chances of a baby being born premature from now on, has a greatly improved chance of surviving.

Week 29: Eye lashes have now grown, and although still unable to focus, babys eyes are now sensitive to dark and light. At this stage of pregnancy the senses of sound, smell and taste are developing. By the end of the week your baby will be able to move its eyes in their sockets.

Week 30: baby is now storing up nutrients taken in by you. Calcium for skeletal development, protein for growth and iron for blood cells. By the end of the week the languno (the small hairs that covered the babys body), is nearly all gone apart from some patches on the shoulders and back.

Week 31: As the actual growth starts to slow down, the internal organs are still maturing, so make sure your still getting enough folic acid, iron and calcium. Should your baby be born this week they would have the ability to breath, see, listen learn and remember.

Week 32: The babys iris is now reacting to light. All five senses are now registering with your baby, although smell is limited as baby cant breathe air in the uterus.

Week 33: your baby may now be sucking its fingers. Constipation could be starting for you as your uterus puts more and more pressure on your bowels.

Week 34: The pigment of the eyes is not quite fully developed yet, this leaves the eyes looking blue regardless of final colour. And this week your baby will start to develop its own immune system.

Week 35: In baby boys the decent of the testes will complete any time now. Your baby may now shift into your pelvis in a head down position, but not all babies do this before birth.

Week 36: Dimples on the elbows and knees will be forming as well as creases in the neck area due to continual deposits of fat. Also this fat will help baby maintain its body temperature.

Week 37: Around 85% are born within two weeks of their actual due date (either before or after), so as you enter this stage be aware for signs of labour. The baby is practising being more aware of its surroundings; this is the orientating response. This is where the baby will turn towards any source of light. The end of this week marks the end of development, growth will now slow down.

Week 38: Meconium is accumulating in the intestines. Meconium is a dark green mass of waste product and cells from the gall bladder, liver and pancreas. Although shortly after birth this will all come out.

Week 39: as the baby is settling into your pelvis, you maybe feeling clumsy and off balance. This is because your centre of gravity shifts. Make sure youre prepared for your trip to the hospital.

Week 40: welcome to the final week, thats if you have not given birth already. Your body will be giving the baby antibodies so it can protect its self from many diseases. The baby will finish dropping into its resting place before birth. So congratulations and welcome to your new born child.

Article by Beverley Brooke
Visit http://www.pregnancy-weight-loss.com for more on pregnancy week by week

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Discount ceiling fans - An Excellent Choice

2007-09-14T17:57:00.000-07:00

When you make the decision to install a ceiling fan in your home, you know you will be saving money on your energy costs. It is great to save money that way, but you dont want to pay a high price for a ceiling fan in the first place. You dont have to pay retail when you shop for a ceiling fan. You can find lots of places where you can find some great deals and bargains when you shop for a discount ceiling fan.

If you visit your local lighting showroom, you are sure to find a vast selection of ceiling fans that come with light kits too. Having a light kit with your discount ceiling fan can add warmth and charm to any room of your home, while at the same time keeping it cool and bright.

You can go to your local home improvement store where you are sure to find a discount ceiling fan that will not only satisfy your decorating needs, but your pocket as well. Many home improvement stores carry discount ceiling fan that is from a line that is made exclusively for the store. Many times these discount ceiling fans will be on sale which allows you to enjoy even bigger savings. As an added bonus, when you shop at your local home improvement store, you can get advice and tips from friendly staff members on the best way to install your discount ceiling fan with a minimum of fuss or bother.

You can find a wide range of choices, manufacturers and prices when you search for discount ceiling fan on the internet. You can find major brands at deeply discounted prices if you take the time and the effort to comparison shop. Online you will find websites that are dedicated to giving you the best deals on the internet. You may even find prices that can only be found online. Browsing online makes it so easy to compare features and prices when you want a discount fan that is not only a great bargain, but is made to last a long time as well.

For more information about Discount ceiling fans? feel free to visit us at: http://www.ceiling-fans-zone.info

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Distribute Your Self-Published Book Online 8 Ways - Part 2

2007-09-13T20:34:00.001-07:00

If you are discouraged because traditional methods of book or product distribution haven't brought you the profits you wanted, think Internet distribution. This Online promotion method is good for the long haul and costs you little time or money. With Online distribution the self-published author or Web business site gets to keep all the money.

Whether you have a Print on Demand (POD) book, traditionally printed book, or an eBook, you can become your own distributor these ways:

1. Distribute through two-step email promotion campaigns.

You don't need a Web site to sell products. Benefit from the easy and preferred way to buy by three trillion in 2002.

First Step: Send a freebie to your different email lists. Think of your email groups--customers, clients, ezine subscribers, ePublishers, teleclass groups, and networkers. Offer to give them a free answer to one question. Offer a free "Special Report," or an excerpt from your book. These give your relationship a good start, because increased sales come from trust developed during relationship marketing more than anything else.

Second Step: Follow up with your book sales letter. Each sales message includes: headline to capture attention, background of problem, where the potential buyer wants to be, benefits and features of how to get there. Add testimonials and be sure they are credible and sincere.

Be sure to ask for the sale and include several easy ways to buy: toll free number, fax numbers or mail by an order form placed at the end of the sales letter, or if you have a Web site, a link to where they can buy with a secure provider.

2. Distribute through your own ezine.

Write your own ezine if you want to attract more credibility, trust, and sales. Because your potential clients and customers expect a lot of free information, include a lot of useful content such as a feature article, editor's note, resources and tips. You'll get to be well known as the "expert." In each ezine, add your sales messages for your products or service. Keep your ezine regular-once every two weeks or once a month to start. Keep it short--a real challenge to many of us.

3. Distribute by submitting how-to free articles to top opt-in ezines.

Online readers love free information. They subscribe to ezines you can submit your well-written article to. After learning acceptable article formats from a book coach, start subscribing and submitting them. Collect 5-10 edited articles before you send. Thousands, even 500,000-targeted potential buyers will see your article with your signature file on it every time you submit it.

Be sure your product is up on a Web site. Many Web publishers will take your e or print book, sell it, and distribute it or you for a commission of 60% or so. This is great for people who do not have their own site.

4. Distribute through your signature file on every email you send.

At the bottom of each email is a signature file. It should have your name and title, your top benefit, a free offer, a link to where your book is sold, your email and Web address, and your local phone number. Everyone on the net accepts this subtle promotion form. If you do not include it, you are passing up an easy way to draw attention to your product.

5. Distribute through your own Web site.

Create your Web site with marketing pizzazz. Don't just be creative and put up colorful graphics. Put up order pulling ad copy that convinces your visitor to buy. Create a sales letter that includes links to the buying page. Be sure your sales letter gives enough information for your potential customer to decide to buy. Make it long enough to include your customers' resistance, benefits and features of your book or product, and multiple testimonials. Ask a book or Web coach to guide you.

6. Distribute through someone else's Web site.

Other ePublishers want your books--both print and eBooks. They want you to write a 100 word or less blurb (including benefits and testimonials). They will sell, distribute, and keep track of your sales, sending you a check every few weeks or so. Most give you royalties of 30-50% depending on whether it is a print or eBook.

7. Get an ISBN number.

When you put an ISBN number on your book, you are listed in "Books-in-Print." Libraries, bookstores and Amazon.com ISBN require it. You pay $225 for 10 or $800 for 100 today. For the money and amount of work this is, you may do better by putting your money and time into other Online venue, because you don't need an ISBN number for that.

8. Distribute through a sales letter straight from your email.

Every time I want to promote my teleclasses, I send a sales letter. The letter follows the free report I already sent a few weeks ahead to the same egroup. You may already have your ezine subscribers in a list. Collect all kinds of lists of emails to include satisfied customers, teleclass participants, ePublishers, or fellow networkers.

Send sales letters that promote your books, your classes, or your service. Once I learned this follow-up method of staying in touch with my target audience, sales rose from $75 a month to $3000 a month in about a year. Each month, count profits, not numbers of books sold! Internet authors get to keep all the money!

After several years of research and submitting to traditional publishing and distribution venues, I got discouraged and decided to become an author's advocate. I turned to the Internet 2 1/2 years ago, and find that with a little delegation, a little study with a knowledgeable coach, a little attention, and a little money, my great-selling eleven eBooks earn enough for me to make half my income each month.

I encourage you to try this kind, gentle, and easy way to get your print or eBook into your audience's hand.

Judy Cullins, 20-year book and Internet Marketing Coach, Author of 10 eBooks including "Write your eBook Fast," and "How to Market your Business on the Internet," she offers free help through her 2 monthly ezines, The Book Coach Says...and Business Tip of the Month at http://www.bookcoaching.com/opt-in.shtml and over 140 free articles. Email her at mailto:Judy@bookcoaching.com

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Renting Your House

2007-09-13T16:10:00.000-07:00

In case you are the owner of a property that you wish to rent to an interested prospective tenant, you have to decide which would be the best way to make your rental property most appealing to potential renters. Real estate agents support that there are several ways in which this can be done.

- There is always the solution of furnishing your rental property. Many landlords decide that this is the best possible way to increase the rental agreement on their property and if they do have furniture in excess, it is actually a convenient way to store them and make profit from their use by the tenant. In case this sounds like something you would be interested in doing, you have to make sure that your rental property is in excellent condition and that the phone jack on the wall and other appliances are in perfect shape.

- There is also the option of partly furnishing your property. This method will appeal to renters who are interested in finding a house that is not packed with furniture that do not match and that they want to bring in some of their own. But it is always a good idea to offer a nice quality couch, bed, mattress, drawers and kitchen appliances. Nice looking furniture will make your property much more appealing to potential renters and will help you securing the rent you wish to receive every month.

- Do not forget that your property has to be shown to its potential residents clean. Everything has to be as clean as possible and especially the kitchen appliance, cupboards along with the bathroom have to be in great shape. Consider hiring a professional team to do the cleaning and remember that in most cases, providing a clean apartment is among your responsibilities as the rental's lawful owner.

- Repair ceilings, kitchen cabinets, existing wallpaper, closets and doors. Make sure your contractor will take care of your bathroom damages and ask him to replace the bathroom tiles that have been damaged by the previous tenants or owners. Installing a new bathroom curtain and brand new hooks can further assist your efforts of renting it at the price range you have in mind.

- Repaint with the right light colors the walls of the residence and get rid off difficult to handle paints.

- Increase the existing lighting and replace old blinds with bright new ones.

- Take care of the things the previous owner or tenant has left inside the house and if you are thinking of using some or all of them to furnish the house make sure you write down what you are leaving in there and what type of furniture are missing and your tenant wil probably request you to supply.

- Shampoo carpets and for deep cleaning that helps reduce the allergens and the odors caused by dust mites, pollen, dust and pet dander. It generally advisable to deeply clean your carpets so as to brighten and deodorize their surface.

Jonathon Hardcastle writes articles on many topics including Real Estate, Business, and Employment

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Why Choose A Disesel Generator For The Hurricane Season

2007-09-11T18:36:00.000-07:00

Diesel engine generators can offer you more benefits than a gasoline powered generator. While they can be slightly more expensive than gasoline generators, diesel generators usually offer a long lifespan and more efficiency. Below you will find some additional information about what diesel generators can offer for your home, business, construction site or farm.

Why can diesel generators offer a better choice?

- Longevity diesel generators usually offer a longer lifespan

- Lower costs diesel generators usually offer a lower fuel consumption rate, which saves you money

- Lower cost to maintain diesel generators usually offer more reliable engines

- Quietness diesel generators can often times be quieter than other types of generators

Diesel generators offer reliability over gasoline generators. Many times, diesel generators can operate more than 10,000 hours without requiring any maintenance. Because the fuel burns at a lower level than a gasoline generator, there is less wear and tear on diesel powered generators.

Here is a breakdown of maintenance requirements for typical diesel and gasoline powered generators:

- 1800 rpm water cooled diesel units can usually operate on average 12-30,000 hours before requiring major maintenance

- 1800 rpm water cooled gas units can usually operate 6-10,000 hours before requiring major maintenance. These units are built on a lighter duty gasoline engine block.

- 3600 rpm air-cooled gas units are usually replaced not overhauled after 500 to 1500 hours of operation

As you can see from the information above, diesel generators offer a significantly longer lifespan, less maintenance, and more reliability and a gasoline powered generator.

For more information about diesel generators, visit http://www.mammothdist.com

When it comes to providing for your home, business, construction site, or farm, there is no better alternative to the line of power equipment offered through MAMMOTH Distribution. We invite you to explore our site and learn about our gasoline and diesel powered generators, water pumps, and small engines.

YOU CAN COUNT ON MAMMOTH

Visit us online at http://www.mammothdist.com

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A Career in Negotiations

2007-09-10T18:59:00.000-07:00

Earning your MBA can give you career a great boost, but earning an MBA in negotiations will teach you vital skills in the world of business. As a negotiations specialist, you will need to know how to handle difficult people and situations, and ethically and effectively come up with a resolution that will satisfy both parties.

In your career, you will be constantly negotiating and resolving conflict as you do in your personal life. Most businesses and organizations need to have some structure when it comes to negations and conflict resolution. Professionals who specialize in negotiations and conflict management can ensure that there are clear boundaries of responsibility and authority within an organization. Negotiation skills are among the most important determinants of career success, and having professional training in negotiations will but you at the top of your career. While negotiation is often considered an art form, there are precise techniques that people can learn through study.

Understanding specific negotiations techniques and skill development can be a critical component of your career and personal success. Earning your masters degree in negotiations will teach you the theory of conflict and how you go about resolving the situations. You will learn all about dispute resolution such as arbitration and mediation. Courses in negotiations programs will focus on how to influence and negotiate effectively in the face of complicated situations. You will learn optimal tactics and strategies for working with individuals or with groups. You will also learn how changes in the negotiation situation will impact the outcome. You will also be trained in communication strategies to help you work more effectively with multiple groups, and cultural situations. Some core skill that you will learn will involve working and managing teams, verbal and non-verbal communications, ethics, and influence skills.

Mary Hart is an in-house writer for Online-Degrees-Today.com and has been writing about online business degree programs since 2004. To find out more information about earning your online negotiations degree, click here.

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