Enduring Debt Relief Online Scottish Trust Deeds

An online Scottish trust deed is a formal agreement between the creditor and the debtor in which the debtor promises to clear the debts of the creditors on agreed terms. As the name suggests an online Scottish trust deed is used only in Scotland. These deeds are equivalent to IVAs i.e. individual voluntary agreement and are regulated by The Bankruptcy Act 1985 in Scotland. These deeds are alternative to segregation for the debtors.

The criteria behind an online Scottish trust deed is:

You will not go for any more debts during online Scottish trust deed term.

You will be paying all the repayments for agreed amounts and on time.

You will be notifying the insolvency practitioner if your financial circumstances changes while making repayments.

Debtors that lack the enough disposable income to meet their debts repayments can go for an online Scottish trust deeds. These deeds are used for consolidation of the entire unsecured debts into single monthly repayments spread over some agreed period of time. The amount of repayment is based upon the repayment capacity of the borrower. This amount is decided after taking the income, living expenses and other debts with the individual. But this amount is lower than what the debtor is paying currently and is unable to afford the same for long.

Advantages:

An online Scottish trust deed benefits you with following advantages:

More and better control over the debts and finances

More flexible way to consolidate debts

Lesser formalities with online application for enrolling you for the process

You can choose among number of online scottish deeds providers

The details for online Scottish trust deeds are not published

Creditors are allowed to add more interest to your debts

Creditors cant take any further action towards the debtor

Online Scottish trust deeds also solve the debt problem of those for whom debt management plans are unsuitable.

A licensed insolvency practitioner is required for the purpose of drafting the initial proposal to your creditors which is suitable for both the borrower and the creditors as creditors will not consider an unfavorable proposal. This insolvency practitioner will look that all the conditions of the deed are duly followed.

A Scottish trust deed becomes a legal binding agreement once accepted by the creditor and interest on their debts stops accruing. Once the Scottish trust deed is completed, all your debts will be written off and cleared.

LindaR Davis has been associated with ScottishTrustDeeds, since its inception.Having completed her Masters in Finance from Oxford University, she undertook to provide useful advice through her articles that have been found very useful by the residents of the UK. To find Scottish trust deeds, Trust deeds, Property transfer trust deed, Scottish trust deeds UK, Online Scottish trust deeds in UK visit http://www.scottishtrustdeeds.co.ukAdel Blog52655
Alice Blog54075

Hacking: An Inside Job?

"Leaving your Web applications insecure makes no more sense than building a brick wall but using a gate made from chain link fencing." James Gaskin

Whenever the President of the United States travels anywhere there are numerous individuals charged with making sure the President is secure and unharmed from attack. This is the premise behind Internet security. The work you have done on your site is the product of valuable time and energy. For some business owners the website represents significant research and creative energy. It is possible for a vulnerable website to be hijacked and remade in the image of something that only resembles your website in name only or to have safeguarded data copied for the use of a third party.

One of the biggest mistakes a website owner can make is allowing the work to be left unguarded. As reported in recent years hacking of a computer system can occur both from within a company or from a remote location, which makes the use of Internet security so important.

Advances in firewall technology (making them easier to install and configure), improvements in vulnerability scanning and better explanations of how to repair them, and better intrusion-detection with fewer false-positives are all key technologies in this race. Dr. Charles C. Palmer

Some hackers argue they are not involved in felonious activities, but are simply seeking knowledge and using the internet to find answers, however the U.S. Government views the activity as a felony and punishable by applicable state and federal laws.

It should be noted that the term hacker has been adjusted. No longer is the term hacker only used to describe someone gifted at programming and is able to break a website code to gain access to information. Today a hacker is also someone who misappropriates company data. Typically this scenario occurs from an inside and often trusted source.

System administrators must learn about and maintain their systems securely. Users have to understand their security responsibilities. Dr. Charles C. Palmer

In many cases, business are now making a non-disclosure agreement a part of the hiring procedure to provide an extra legal recourse in the event that data is electronically removed and used in ways unauthorized by company heads.

If a stranger came into your house, looked through everything, touched several items, and left (after building a small, out of the way door to be sure he could easily enter again), would you consider that harmless? Dr. Charles C. Palmer

Taking security issues seriously is needed in the development of a web-based business infrastructure. It may be worth exploring both on-site and off-site security features as a means of ensuring the long-term usability of your website.

Scott Lindsay is a web developer and entrepreneur. He is the founder of HighPowerSites and many other web projects. HighPowerSites is the easiest do-it-yourself website builder on the web. Get your own website online in just 5 minutes with http://HighPowerSites.com at: http://www.highpowersites.com.Arlen Blog65841
Beth Blog35141

Grant Your Self A Better Education For Less

I'm not going to college because I just can't afford it. How many times do we hear those words form worried high school juniors and seniors. It's no wonder they think like that when tuition fees have been rising anywhere between 2% to as much as 26%. Before we all get lost in the Doom and Gloom there is a lot of GOOD news out there, you just have to know where to find it.

There really is an endless amounts of grants, scholarships and loans (those should be your last avenue), there really is no way a student cannot afford to attend college. Most students will be able to meet the following qualifications for a Pell Grant, (financial need), you must be attending a 4-year university you cannot be an inmate at a federal prison. That may well sound crazy but if your child is in a local penal facilities, they can still receive a Pell Grant. Nonetheless, if you meet those requirements, you are also eligible for the Academic Competitiveness Grants and the National Science and Mathematics Access to Retain Talent (SMART) Grants.

You must as a high school student, actively participate in math, science, or a language. You can see the curriculum criteria by states at http://www.federalstudentaid.ed.gov. Margaret Spellings, the U.S. Department of Education Secretary, says that the purpose of this program is to involve students in what she calls the global economy of today's world. Math, science and critical foreign language skills are the new currencies.

More than 500,000 students will be receiving these grants throughout the nation which amounts to more than $790 million dollars. The grant payments can be an additional $750 during freshman year; $1,300 during sophomore year; and up to $4,000 during junior and senior year. So lets do some math on the subject, if a student attends a public California university (say UCLA), the tuition fees would be somewhere around $7,000 for an in state student. If that student is granted the $4,000 by their last year, just from the SMART Grant, that leaves $3,000. Now subtract another $1,000 from the Pell Grant itself, and we are left with $2,000 left outstanding to be paid, thats $38.46 per week, not too much for an education.

For those students who have yet to apply for financial aid, visit http://www.federalstudentaid.ed.gov or call for information on eligibility. And don't worry, these grants are not temporary. The grant amount is said to increase over the next five years.

Carl HamptonBriana Blog55749
Barb Blog17306

July 1, 2006 Extension on Student Loan Consolidation Coming to an End

Have you ever received a piece of mail asking you immediately to call about your student loans? Or, have you ever filled out an online student loan consolidation form? If so, you still may be eligible to save thousands of dollars on your student loans and cut your monthly payments by 60 percent.

As of July 1, 2006, student loan borrowers who did not get a chance to consolidate their outstanding student loans felt the impact of the interest rate increase. Federal student loan interest rates on July 1, 2006 increased by 39 percent (a 1.84 percentage point increase), which drastically increased payments for borrowers who did not meet the consolidation deadline.

Incomplete Applications

The U.S. Department of Education allowed student loan borrowers to lock in the significantly lower pre-July 1, 2006 interest rates by submitting an application for consolidation before the deadline. However, due to the enormous demand this year for student loan consolidation, many student loan borrowers were unable to finish their consolidation application in time. This resulted in an increase in monthly payments and thousands of dollars in extra interest costs for student loan borrowers who missed the consolidation deadline. However, there is good news for those who did not fully complete their consolidation application in time.

Many student loan borrowers prior to July 1, 2006 responded to a piece of mail immediately directing them to call about their student loans ( http://www.nextstudent.com) and then partially completed an application. This past year there also were borrowers who submitted a partially completed online application before the deadline. Since these borrowers did not sign the application they suspected they were ineligible for the lower interest rates.

Act Now to Receive Lower Interest Rates

For example, federal student loan consolidation (http://www.nextstudent.com/consolidation_loans/consolidation_loans.asp) provider NextStudent has countless partially completed applications from incoming callers and online inquiries that were started before the July 1, 2006 deadline. These applications were completed yet lack a signature; therefore, those borrowers are eligible to receive the pre-July 1, 2006 interest rates. In order to receive a lower rate, borrowers must act now and call NextStudent to sign their application. The Department of Educations extension most likely will expire by December 2006, which does not give borrowers much time to act.

To check and see if you are eligible for the pre-July 1, 2006 interest rates and save thousands of dollars on your student loans, immediately contact NextStudent at 1-800-299-4639 or online at http://www.nextstudent.com.

Jeff Mictabor is an enthusiast on the topic of student loan issues in the news. He has been writing for the past 10 years for a variety of education publications. He now offers his writing services on a freelance basis.Ambur Blog66174
Anita Blog59610

How To Monetize Your Domain Names

Some websites with popular names used to be considered "cybersquatting," a longstanding Internet tactic where entrepreneurs register cheap domain names either associated with a particular subject or a company and then try to sell the name for a quick profit. But new-generation sites go a little further, reaping ad revenue.

Media companies and advertising networks are now recognizing the central role a domain name plays in bringing users to Internet properties.

A domain name works like an address forwarding service.

All of your Web site content sits on a computer with a unique address. This is called an IP address. An IP address is made up of a series of numbers, such as 123.23.234.45. Your domain name will direct visitors to your site using this IP address.

We use domain names instead of IP addresses because most people find it easier to remember a name rather than a series of numbers.

A .name domain name works just like a .com, but you use your actual name as part of the address, it's even more personal and easy to remember.

This is the world's first domain exclusively for individuals. With .name you can create a single and permanent digital identity using your own personal name. It is easy to remember and perfect for a personal Web site to communicate with family and friends.

What's in a name?

Well, when it comes to the age of Internet marketing, everything.

Domain Basics: What, Why, and How

What's in a domain name? A lot more than you might think. Your domain name can be your first impression, your face to the outside world, and your new marketing plan. Learn more about what domain names are, why you should take the time to choose a good one for yourself, and how to go about it.

What is a domain name? A domain name is an address for the Internet. It helps people find your web site. Just as homes and businesses have street addresses, all web sites have domain names.

A domain name is made up of two parts, typically preceded by www. Let's use Netfirms.com as an example:

The first part, NetFirms, is a unique name that represents the web site. The second part, com, is the extension, and stands for "commercial." There are many extensions available, though .com, .net, .biz, .info, and .us are the most popular extensions in the United States.

Why is a good domain name important? A good domain name helps you in numerous ways.

For Businesses:-

Add your domain name to your business card, email signature, and other advertisements.

Build credibility: Show your customers that you have an established business.

Improve your marketing: Provide customers an easy way to remember and contact you.

Protect your brand: Secure the domain name that best represents your business name and keep it out of the hands of your competitors.

For Consumers:-

Describe your site as best you can with your domain name. For example, a pair of amateur magicians might use their stage names, some combination of words including magic, or the name of their most famous trick.

How do I choose a domain name? Keep these tips in mind as you select your domain name.

Your domain name should reflect your business name or the topic your site will cover. It should be a unique and concise name that is easy to say, remember, and spell. You can use only letters, numbers, and hyphens in your domain name. Spaces or other symbols are not allowed. If your first choice isn't available, try rearranging the word order, adding hyphens, or using abbreviations or locations to come up with a unique alternative.

Once you have a domain name, you need a web site! Luckily, you came to the right place. It's easy to add iPower.com services that help you build a full web site or open an online store.

Sinta is a Full Time Adsense Publisher and She Makes her living from Adsense. She is passionate about sharing her Adsense Knowledge and about generating online income:Aubrette Blog78131
Bel Blog43862

Jeep Grand Cherokee SRT8: On and Off Road Exhilaration

Call it MOPAR madness or call it sheer, ingenious automotive marketing and engineering, but whatever you decide to call the Jeep Grand Cherokee SRT8, you must realize one thing: no production vehicle has effectively combined off road ruggedness with on road durability. Until the Grand Cherokee SRT8 came along that is. Yes, not since the GMC Typhoon has an SUV proven to be a highway dominator as well as an off road maven. However, the Jeep Cherokee SRT8 goes well beyond any 4x4 vehicle by delivering a versatile, pavement pounding, all-around SUV.

The folks at Chryslers Street and Racing Technology (SRT) group could not leave well enough alone. From the Neon to the Viper and from the 300C to the Ram pickup truck, no model has been too sacred to receive a proper work over from the team. First it was a bevy of Dodge models, then it was the Chrysler 300C, but no Jeep model had yet been targeted for the groups overhaul. The Grand Cherokee however was past due as fond memories of the GMC Typhoon likely played a part in the decision to inject SRT steroids into a widely acclaimed Jeep model. Indeed, the SRT group knew that 0 to 60 in five seconds with the Grand Cherokee would beat the Typhoons numbers by about four tenths of a second, easily making the Jeep model the all time leader on the road as it is already off the road.

Much like the full size SRT cars sold by Dodge and Chrysler, a 6.1L Hemi V8 was the engine of choice for the SRT team tasked with building the beefy Jeep. With 420 h.p. and 420 lb.-ft of torque, the burly Hemi would serve duty in the Grand Cherokee SRT8 along with 20 inch Goodyear performance tires, Bilstein shocks, four piston Brembo brakes, a Quadra-Trac On-Demand four wheel drive system, and a capable five speed automatic transmission. Indeed, when the project was completed, the Grand Cherokee SRT8 was paired against the Porsche Cayenne SUV and the Jeep won!

If the Grand Cherokee SRT8 isnt fast enough for you or if you want to experience a rich, deep tone while driving, then the aftermarket parts industry has just what you need.

Magnaflow Exhaust has developed a performance exhaust system that pairs well with the Grand Cherokee SRT8. Developed from airliner quality stainless steel, a Magnaflow Exhaust delivers more horsepower, frees up more torque, and provides a rich tone not found on the typical Jeep exhaust system.

When it comes to air intake systems, Dubair and Airaid have induction systems that work great with your engine. Dirt is filtered out and cool air is invited in to deliver more horsepower, enhanced torque, while offering a deep, throaty tone that is certain to inspire you.

Naturally, the Jeep Grand Cherokee SRT8 has something that neither the current day Porsche Cayenne or the long since past GMC Typhoon could offer: thorough off roading capabilities. Like all Jeep SUVs, the Grand Cherokee SRT8 is trail rated so you get the best 4x4 capabilities matched to its top notch road competency. A true competitor no matter where you take it: the Jeep Grand Cherokee SRT8!

Copyright 2006 Matthew C. Keegan is a freelance writer for Premier Truck Accessories: http://www.premiertruckaccessories.com a leading retailer of aftermarket SRT products: http://www.premiertruckaccessories.com/srt8.html including Dubair Intake Systems: http://www.premiertruckaccessories.com/dubair.html. Please stop by our online shop today to explore our gigantic array of performance parts and accessories.Alex Blog66221
Bernita Blog95376

IRS Audits and the Percentages

For most Americans, the mere suggestion of an IRS audit is enough to require the changing of the pants. So, what percent chance do you have of an IRS audit?

IRS Audits and the Percentages

Relax; the percentages of IRS picking you for audit are very small if you have filed your taxes honestly and properly. The IRS gets a couple hundred million tax returns filed every year. It does not have the necessary staff to audit each and every tax return. In fact, the IRS audits less than 2 percent of tax filers. So theoretically, the possibility of you getting audited by the IRS is very low unless you attract their attention by committing a few mistakes.

One area where you can hurt your possibility of an IRS audit is underreporting income. For zeroing in on possible undisclosed taxable income, the IRS has devised certain criteria. The IRS has computer software that separates the suspect filers from the clean ones. It also filters out filers who have claimed an excess of deductions, have shown losses for successive years and show expenses disproportionate to the size of their business.

If you earn $50,000 and show $10,000 as charitable deductions, your possibility of an IRS audit go up massively. The software will compare your deduction with others in your income group and will find that it is rare that anyone in that income range ever makes such donations. A red flag will be assigned to your file and it is audit time. If you actually have $10,000 in charitable deductions, however, this should not stop you from claiming them. You need to simply make sure that you have all the necessary documents to support your claim of making a donation in that amount.

More than employees, self-employed people are targets of audits as they have the ability to convert personal expenses in to business ones and put it under itemized deductions. Your car mileage and expenses on meals and entertainment must have detailed information backup. The use of a car or truck should have detailed logs and invoices of maintenance. Meals above $75 should have bills and for amounts below that, a simple entry in the diary with details of date, place and name of restaurant and kind of entertainment they provide, person entertained and your relationship to them will suffice.

An IRS auditing is inescapable when they are discrepancies or questionable activities on forms you file. Nevertheless, remember, these items must be deemed odd by the computer sorting out filing papers of every American. As a result, the possibility of you being audited is very small.

Richard A. Chapo is with http://www.businesstaxrecovery.com - information on taxes.Aila Blog86872
Aarika Blog6160

8 Ways To Prevent Osteoporosis And Heart Disease During Menopause

Osteoporosis causes bones to lose mass and density. As the bones become porous and brittle, the chance of fracture is greatly increased. Often there are no symptoms and a person only discovers that they have osteoporosis when they suffer a fracture.

Heart disease includes a number of conditions affecting the structures or function of the heart. They includes coronary artery disease (including heart attack), abnormal heart rhythms or arrythmias, heart failure, heart valve disease, congenital heart disease, heart muscle disease (cardiomyopathy), pericardial disease, aorta disease and Marfan syndrome, vascular disease (blood vessel disease).

Cardiovascular disease is the leading cause of death in the U.S. thus, it is essential to learn how prevent heart disease.

During menopause, many women are easily getting osteoporosis. Indeed, it would also be easy for them to get heart disease.

How is that?

Women, during menopause, might be lack of estrogen. This causes bones to lose calcium and become weaker, putting them at risk for severe bone loss or osteoporosis. A lack of estrogen also increases risk of heart disease.

However, there are steps you can do to prevent osteoporosis and heart disease, such as:

1. Get enough calcium to keep your bones strong. Before menopause, you need about 1,000 mg of calcium per day. After menopause, you need 1,500 mg per day. You also can talk with your physician about taking medicine to help preserve bone and slow down bone loss. Get at least 30 minutes of physical activity on most days of the week. Try weight-bearing exercises, like walking, running, or dancing.

2. Eat healthy by including plenty of whole grain products, vegetables, and fruits in your diet. Choose a diet low in total fat, saturated fat, and cholesterol.

3. Maintain a healthy weight. Ask your health care provider what a healthy weight is for you.

4. Control your blood pressure. Ask your health care provider what a healthy number is for you and how often you need it checked.

5. If you have diabetes, control and monitor your blood sugar levels.

6. Lower your cholesterol to the right level. Ask your health care provider what a healthy level is for you.

7. If you smoke, try to quit. Ask your health care provider for help or visit this special section of the NWHIC web site: www.4woman.gov/QuitSmoking

8. If you drink alcohol, limit it to no more than one drink per day.

So, if you think that your menopause has begun, it is important for you to pay attention to the eight essential ways to prevent osteoporosis and heart disease.

Riana Lance has a deep concern on health. Get her inspirational guides on How to Cure Insomnia at http://healthifica.com/guides/menopause-stress/ Also, grasp her other motivational health tips at http://www.healthifica.com, a worth-to-visit daily updated blog.Amara Blog39715
Angelique Blog7258

Remotely Accessing Your Home Computer

Windows XP operating system contains the software needed to remotely access your home computer from any Internet connection. This is a powerful tool when you are traveling and need to have full access to your home computer to keep your business running efficiently

If you are going to be an online entrepreneur, you always need to have access to your computer when you are away from home. Some people use laptops for home and travel, but many prefer to have use a desktop or tower model PC.

When we retire and are using the Internet for our retirement job, it is very important that we can access the Internet since working on the Internet is our life blood. There are several software packages on the market that will enable you to access your computer as though you were sitting in front of your own monitor. Some of the better known ones are www.GoToMyPC.com and LogMeIn.com. GoToMyPC.com costs $49.95 for the initial setup and between $18.95 and $24.95 per month depending on the plan you choose. LogMeIn.com has a limited feature free version which you might investigate. The full version costs $12.95 per month for a single PC.

The great news is that Microsoft has created a package that is included in the XP Windows operating system. It can also be downloaded from the XP System CD to other operating systems. This will allow the computer to access the remote computer. This software uses the Terminal Server package which only transmits mouse, keyboard, and display information so it is fairly effective over a slow bandwidth connection.

You can install this on your home computer and access the home computer from a laptop that you might carry or from any Internet connection when you are on the road.

My road laptop is running Windows 2000 Professional so I loaded the software on it from my Windows XP system disk and it works very well. When you are traveling, you will be able to use any computer running Windows XP if the Remote Desktop software is installed on it. Most of the hotel business centers and Internet cafes have this set up. All you will need is the IP address of your home computer.

If you want to set this up, click the Start button and select Help and Support. Search on "remote desktop". You will get the information that you need to set up the connection. NOTE: You need a fixed IP address to which to connect. Some Internet Service Providers (ISPs) do not assign a fixed IP, but rather give you a variable IP address. Most will issue you a fixed IP address for a one time fee or for an additional monthly fee. My fixed IP address cost a one time fee of $25. You need the fixed IP so you can always connect to the same address when the connection is configured. Check with your IP to see what your situation is.

If you have a firewall/router on your system and have a home network, you will also need to make your own computer IP address fixed within your network. This is done by clicking Start/Control Panel/Network Connections. Right click on the icon of the connection that takes you to the Internet and select Properties. In the scroll down window, highlight Internet Protocol (TCP/IP) and click the properties button below the scroll down window. Click the radio button. "Use the Following IP Address". Enter the IP address to be assigned to the computer. Most computers on Windows are in the 192.168.1.NNN number range. Usually, the lower numbers are assigned first by the software so skip to 101 for the rightmost address in the IP string (192.168.1.101). The subnet mask is 255.255.255.0. The default gateway is usually 192.168.1.1. Leave the DNS server information alone. Click OK twice. Now try to access the Internet to make certain that nothing has been changed that will prevent you from operating your computer. If you cannot access the Internet, go back through the process above and turn on the radio button that says "Obtain an IP Address Automatically" and it will reset back to your old processes. At that point, I suggest you use your software support guru to help you do the job.

If you have a router, you will need to direct the input from port 3389 to your fixed IP address (192.168.1.101). This is done by logging onto your router and setting up the port routing settings. This is not as difficult as it sounds. Read the router instructions and you can do it. As a precaution, write down the router settings before you change them so you can reset to the original values if something does not work properly.

To log on, go to Start/Programs/Accessories/Communications/Remote Desktop Connection. Enter your Internet IP address in the box and click Connect. If all is well, you should see the logon box for your user and password. Caution: If you have someone sharing your computer at home, warn them that the display may suddenly show the login screen. When you are on the remote connection, no one can use the home computer until you finish.

Sometimes we are careless about passwords on our home computers. Since you will be accessing your computer over the Internet, create a strong password for your login. Make it at least eight characters long and make it a mix of upper and lower case letters, numbers, and special characters.

When you log in, your job will be a window on the computer you are using for the access. There is a job bar at the top of the screen of the remote software. It has the IP address of the computer being accessed and the standard Windows Minimize, Reduce, and Close. While you are working on the computer, you can minimize the remote window and work locally and the connection will remain active. This will allow you to look up data on your home computer, copy it to the clipboard, minimize the remote window, and paste the information into an application running on the local computer.

I have used this feature for over six months now and it has worked very well for me.

One other consideration is to make certain that your home computer does not shut down while you are away. If a family member is there to restart it if you call and ask for help, this is not a problem, but if you are on vacation and no one is there to help, you have a problem.

Purchase a UPS (not the brown truck) but an uninterruptible power supply and install it on your computer. This will keep your computer running if there is a short power outage. There are bargains on good refurbished UPS units on the Internet. Buy one large enough to keep your computer running for twenty to thirty minutes if your power fails. Most of the time the power will be restored in less time than that.

Try it and see how it works. Good computing.

John V. W. Howe is an entrepreneur, author, inventor, patent holder, husband, father, and grandfather. He has been involved in entrepreneurial activities for over 40 years. Cassaundra Blog84628
Cathleen Blog11928

Glossary of Domain Name Disputes

The domain name dispute resolution system was supposed to be user-friendly, but this goal has not always been achieved. One of the main barriers to effective access has been the jargon that has grown up around the system. To successfully negotiate the system you must need to know the differences between registrants, registrars and registries; you must not confuse your UDRP with your ACPA; and youll need to be able to choose between NAF and WIPO should it become necessary.

This glossary is intended to help you get to grips with the jargon; if you need more information, please visit the Internet Library of Cybersquatting and Domain Name Disputes at http://www.sequitur-ips/domain-name-disputes/library.html.

Abusive registration:

This is a key concept under the Nominet Dispute Resolution Policy; there is no concept of an abusive registration under the UDRP (although see the entry on bad faith). An abusive registration is one which was registered or acquired or has subsequently been used in a manner which took unfair advantage of or was unfairly detrimental to the Complainants Rights.

ACPA:

See the entry on the Anti-Cybersquatting Protection Act.

ADR:

ADR stands for alternative dispute resolution. In the domain name dispute context, arbitration proceedings are sometimes called ADR proceedings, especially in EURid documentation.

Alternative dispute resolution:

See the entry on ADR.

Anti-Cybersquatting Protection Act:

A US law enacted on 29 November 1999. It amended the Lanham Act - the centrepiece of US trade mark legislation - and forms section 43d. The ACPA may - in certain circumstances - be applied to your case by the US courts, even if you're not a citizen of or based in the US.

Arbitration:

Domain name arbitration is the contractually-based system of dispute resolution used to determine disputes about the proper ownership of domain names. It is distinct from traditional arbitration: a sophisticated system of private dispute resolution proceedings commonly used to determine international contractual disputes.

Bad faith:

Under the UDRP a successful complainant must prove that the domain name was registered or is being used in bad faith. The concept of bad faith is not defined in the UDRP; however four examples of circumstances which are evidence of bad faith are given, and I have (crudely) summarised these below. First, circumstances indicating that the respondent intended to sell the domain name to the complainant are evidence of bad faith. Second, so-called blocking registrations are evident of bad faith, providing they are part of a pattern of such registrations. Third, evidence of bad faith may be found in registrations intended to disrupt a competitors business. Finally, circumstances indicating the commercial use of a domain name which creates a likelihood of confusion between the domain name and the complainants mark are evidence of bad faith. The list is non-exhaustive.

Cancellation:

One of the remedies permitted under the UDRP, Nominet Policy, and the .eu Regulation, but rarely employed. The usual remedy is transfer. Cancellation is also known as revocation.

ccTLD:

This stands for country code top level domain. Examples of ccTLDs include .us, .uk and .de.

Complainant:

The person making a complaint via a domain name arbitration service about a domain name registration (analogous to a plaintiff or claimant in litigation).

Complaint:

The document setting out the complainants case. There are detailed rules about what must go into a complaint, and the length of complaints is strictly limited under some regimes. Typically, a complaint would include references to the provisions of the relevant policy document, a description of the factual circumstances of the case, arguments as to why the case should be found in the complaints favour, and references to previous decisions which support the arguments.

Cybersquatting:

The practice of improperly registering or acquiring domain names in which others have rights.

Decision:

The domain name dispute equivalent of a court judgment. There is no formal system of precedent in domain name arbitration. However, the arbitration bodies are loath to allow a diversity of interpretations of their rules, and in practice panelists will not usually depart from well-reasoned earlier decisions (or at least that they know about).

Domain name holder:

Another name for a registrant.

EURid:

The body administering the .eu domain name. The EURid dispute resolution service is provided by the Prague-based Arbitration Court attached to the Economic Chamber of the Czech Republic and Agricultural Chamber of the Czech Republic.

Expert:

The Nominet term for panelists - the judges of the domain name dispute resolution system. Most experts are practising intellectual property lawyers.

Federal Trademark Dilution Act:

US legislation providing a powerful remedy for the owners of famous trade marks. The FTDA was enacted in 1996. It was the first statutory amendment of the US Lanham Act to address the challenges presented by the internet. Its main effect was to expand the protection available to famous marks by prohibiting dilution.

FTDA:

See the entry on the Federal Trademark Dilution Act.

gTLD:

This stands for generic top level domain. Examples of gTLDs include .com, .net and .org. Compare ccTLDs.

ICANN:

The Internet Corporation for Assigned Names and Numbers (ICANN) administers the domain name system. It has promulgated no less than 10 different policies relating to dispute resolution. The most important policy is the Uniform Domain Name Dispute Resolution Policy (the UDRP). The UDRP must be read in conjunction with the Rules for Uniform Domain Name Dispute Resolution Policy (the Rules). ICANN's other dispute resolution policies relate, for instance, to specific kinds of domain name with particular registration requirements (e.g. .pro or .biz), the .info sunrise period, and disputes with registrars over domain name transfers.

IDNs:

See the entry on Internationalised Domain Names.

Internationalised Domain Names:

A domain name potentially containing non-ASCII characters, for example a domain name consisting of Arabic or Hebrew characters.

Legitimate Interests:

To help defeat a complaint made under the URDP, a Respondent should argue that he or she has legitimate interests in the domain name in dispute. A non-exhaustive list of ways of demonstrating a legitimate interest is set out in the UDRP. First, pre-dispute use of (or preparations for the use of) the domain name or a name corresponding to the domain name in connection with a bona fide offering of goods or services may constitute a legitimate interest. Second, you or your business being commonly known by the domain name may constitute a legitimate interest. Third, a legitimate non-commercial or fair use of the domain name may constitute a legitimate interest, providing that use does not misleadingly divert consumers of the complainant or tarnish the trade mark at issue.

NAF:

The National Arbitration Forum is a major forum for the resolution of domain name disputes. NAF focuses upon North American domain name disputes. Arbitration proceedings using NAF are governed by the UDRP, the Rules and NAF's Supplemental Rules. NAF also provides non-UDRP dispute resolution services, for example for disputes about .us and .kids.us domain names.

Mediation:

Mediation is a form of alternative dispute resolution where the parties to a dispute try to agree a settlement to the dispute with the help of a professional facilitator. The Nominet Dispute Resolutions Service provides a free mediation service.

Mutual jurisdiction:

This concept is used in the UDRP and other policies to refer to the jurisdictions in which formal court proceedings should be conducted in the event that domain name arbitration proceedings do not produce a satisfactory outcome. Under the UDRP it means either the courts of the country in which the relevant registrar is based or the courts in the country which the registrant claims to be based in its WHOIS entry.

Nominet:

The Nominet dispute resolution service deals with disputes involving .uk domain names (including .net.uk, .ltd.uk, .plc.uk, .co.uk, .org.uk and .me.uk). Nominet does not use the UDRP; instead, disputes are determined under Nominet's own Policy and Procedure.

Panel:

One or three panelists usually constitute the panel.

Panelists:

The judges of the domain name dispute resolution system. Many are practising intellectual property lawyers; many NAF panelists are retired US judges.

Party:

Legalese meaning a person who is involved in legal proceedings as a litigant. In the context of domain name arbitration proceedings, that means involvement as either a complainant or a respondent.

Passing off:

The English-law tort of passing off has been inherited many other common law jurisdictions. It is sometimes referred to (with some carelessness) as "unregistered trade mark infringement". The registration and use of a domain name can constitute passing off.

Policy:

The UDRP and the Nominet Policy are the most important documents in UDRP and Nominet arbitrations respectively. The equivalent rules in .eu arbitrations are contained in the Regulation.

Procedure:

The Nominet Procedure contains the detailed rules governing the conduct of Nominet domain name arbitrations for example, time limits for action.

Provider:

The company or organisation that administers a domain name dispute resolution service. Some systems of domain name dispute resolution, such as the UDRP system, have more than one provider; others, such as the .eu system, have only one provider.

Registrar:

A company or organisation that is accredited by a registry to register domain names.

Registrant:

The person that owns (i.e. has the contractual right to use) the domain name. The registrant of a domain name can be found using a WHOIS service.

Registration agreement:

The agreement entered into between a registrar and a registrant upon the registration or acquisition of a domain name. The registration agreement stipulates the manner of dispute resolution, and therefore underpins the whole domain name dispute resolution system.

Registration authority:

See Registry.

Registry:

The organisation administering the domain name extension in question. For example, Nominet it the .uk registry and EURid is the .eu registry. Sometimes called the registration authority.

Regulation:

In the context of .eu domains, this means Commission Regulation (EC) No 874/2004 of 28 April 2004 laying down public policy rules concerning the implementation and functions of the .eu top level domain and the principles governing registration.

Reply:

The document in Nominet proceedings containing the complainants arguments in response to the respondents arguments in the response. It should not in general contain new arguments unrelated to points raised in the response. There is no equivalent in the UDRP or .eu procedures.

Response:

The document containing the respondents arguments in response to the complaint.

Respondent:

A person responding to a formal complaint about his or her domain name registration (analogous to a defendant in legal proceedings).

Reverse domain name hijacking:

The improper use of domain name arbitration proceedings to dispossess a registrant of his or her domain name.

Revocation:

See cancellation.

Rights:

In Nominet proceedings, a complainant must show that he or she has rights in respect of a name or mark which is identical or similar to the domain name at issue. The Nominet Policy provides that rights includes, but is not limited to, rights enforceable under English law. However, a complainant will be unable to rely on rights in a name or term which is wholly descriptive of the complainant's business. The most important rights are registered trade marks and, in English law, the right to bring proceedings for the tort of passing off.

Rules:

The Rules for UDRP supplement the UDRP itself. The Czech Arbitration Court also has a set of rules for .eu disputes.

Supplemental Rules:

Under the UDRP, both NAF and the WIPO Mediation and Arbitration Center issue their own supplemental rules, which supplement the UDRP and the Rules for UDRP, and include for example provisions about the costs of arbitration. The Czech Arbitration Court also has a set of supplemental rules for .eu disputes.

Trade Marks Act 1994:

The centrepiece of the UK trade mark law regime, the 1994 Act has been frequently amended, usually to reflect developments in European law.

Transfer:

The most important remedy in domain name arbitration proceedings. If the panel determines that a complaint has been made out, the domain name will usually be transferred from the respondent to the complainant.

Typosquatting:

The practice of improperly registering domain names which are very similar to names in which others have rights. A form of cybersquatting.

UDRP:

The Uniform Domain Name Dispute Resolution Policy promulgated by ICANN governing most disputes about generic top level domains, and many disputes about country code top level domains. The UDRP must be read in conjunction with the Rules for Uniform Domain Name Dispute Resolution Policy.

WHOIS:

Directory service for looking up names and other details of domain name registrants.

WIPO:

The World Intellectual Property Organization (WIPO) is an agency of the United Nations. WIPO's Arbitration and Mediation Center was the first dispute resolution service accredited by ICANN. Arbitration proceedings using WIPO are governed by the UDRP, the Rules and WIPO's Supplemental Rules. It is - along with NAF - one of the "big two" providers of dispute resolution services under the UDRP.

Hagit Ben-Artzi runs Sequitur IPS, which specialises in representing individuals and companies involved in domain name disputes and domain name arbitration proceedings. The Sequitur IPS website can be found at http://www.sequitur-ips.com.Caresse Blog66520
Brandy Blog82764

Basic Kitchen Remodeling Planning

There are some basic steps you need to take when you decide to remodel your kitchen. Here I will present to you a quick overview of what you need to do when remodeling your kitchen; you will find more details throughout this website.

The first step is, of course, deciding on your goals for the kitchen. What do you want your remodel to accomplish for you?

You'll want to do some research even at this early stage. What kinds of materials will you want to use for countertops? Granite is hugely popular, as is Silestone, which is made from natural quartz and comes in a huge range of colors. What kind of wood do you want for your cabinets, and how light or dark should they be? What about flooring? Then you have to consider which appliances will need to be replaced, how you want the room painted, lighting and any major changes in the layout of your kitchen.

Of course, there's one more very important goal for you to consider - your budget! How much will you want to spend? Will you want to get a home equity loan for your remodel or have you saved money up for this project?

Now you will want to start sketching out your ideas. You don't need to be a great artist; just get some graph paper, pen or pencil and a ruler and start mapping things out. Of course, if you are more technologically inclined, you can do this on the computer as well if you have the right software.

Generally speaking, you will want your refrigerator, stove and sink to form a triangle in your kitchen. Include plenty of walking space and room for eating. Will you want an island in your kitchen or will that just be in the way? How will the table fit? You'll also want to look at where outlets are, keeping in mind where you plan on placing your appliances. You may have to move outlets or plumbing if you're rearranging your layout. Don't forget to consider installing extra outlets.

Make sure your sketches include dimensions. Whether you're doing it yourself or hiring professionals, accurate dimensions will help you plan well and give the best feel a paper sketch can give for how your kitchen will look.

Many home improvement stores will have kitchen designers on their staffs, and this is a resource you should take advantage of. They'll go over your plans with you and possibly have ideas you haven't considered.

When the time comes to place your order, make sure your measurements are very, very accurate or you will have a terrible time with your kitchen remodel. You can have professionals come out and do the measurements for you. In fact, if you are having your cabinets and countertops professionally installed, you WILL have professionals out taking measurements. If your measurements are accepted by the store without question and without sending out their own people, you will probably want to shop elsewhere. You're spending too much money on remodeling your kitchen to take that kind of chance.

Your cabinets will, of course, be installed before your new countertops. In fact, until your cabinets are installed, they can't even start work on your countertops if you have chosen granite or Silestone (or other stone) countertops because they need to make a template. Ask for temporary countertops and a sink to be installed so that you aren't eating out the entire time you're waiting for your countertops to be cut. It might take weeks.

Appliances such as stoves and refrigerators can be installed whenever convenient. As most dishwashers are installed beneath the countertops, you'll want to ask about the best time to replace your dishwasher.

Perhaps the most important aspect of planning your kitchen remodel. This is one of the most inconvenient rooms to remodel, so you'll want to do it at a time when you will have the time and patience to deal with it. Your kitchen will be marginally useable for weeks during the remodel. However, the beauty of your new kitchen should more than make up for the inconvenience.

Stephanie Foster has seen some interesting kitchen remodeling mistakes in her time. Visit http://www.kitchenthoughts.com/ to learn more about kitchen remodeling.Cal Blog68320
Arlyn Blog63327

The Newest Work Hazard For Computer Users: CVS

Millions of Americans go to work every day to sit at a computer for 8 or more hours, seven days a week. While office work is hardly considered to be a "dangerous" job, several years ago, doctors began to notice that certain afflictions are becoming increasingly common among those who use computers all day long.

First, the medical community became aware of CTS (Carpal Tunnel Syndrome), a painful and sometimes debilitating inflammation in the wrist, arms, and hands. In response to the increased number of office workers being diagnosed with CTS, computer furniture manufacturers began to develop ergonomically correct keyboards and keyboard trays, as well as computer chairs that offer more comfortable seating for computer use. Now, many employers provide ergonomically correct workstations for their office staff and CTS is on the decline.

Unfortunately, a new hazard has now taken the place of CTS. It's called CVS (Computer Vision Syndrome), and is caused by prolonged visual exposure to a computer screen. CVS has, in the past two years, become the number one health complaint of office employees.

Like CTS, Computer Vision Syndrome is also preventable. There are a few things you can do to reduce the sensitivity and eye strain associated with computer work. According to optometrist Dr. Larry K. Wan, there are five key ways to reduce the effects of CVS.

Dr. Wan suggests getting regular eye exams, which means (according to NIOSHthe National Institute of Occupational Safety and Health) once a year. While many contact-lens wearers are required to get eye exams each year to renew their lens prescription, it's important for those who don't wear contacts as well. Tracking the health of your eyes will allow your optometrist to identify whether or not you're experiencing a deterioration of vision due to CVS.

Dr. Wan also contends that proper lighting is important, citing that eyestrain can be caused by excessive lighting either coming in through a window, or from interior lighting itself. Dim your lights when using a computer.

Glare is another factor that Dr. Wan claims can cause CVS. In addition to adding an anti-reflective coating to your eyeglasses, glare can be prevented by anti-glare screens attached to your monitor, or by using an LCD monitor arm. LCD monitor arms actually allow you to tilt or slide your monitor at the touch of a finger, eliminating strain as the light in the room changes. We found affordable, high-quality LCD monitors online at Versa Products, Inc.

Adjusting the brightness of your computer screen can also help. Optimize for comfort which may mean either reducing or increasing the brightness. Find one that feels comfortable to your eyes.

Interestingly, Dr. Wan also tells his patients to blink more often. When staring at a computer screen, we tend to blink less than we normally doa process which keeps the eyes lubricated and comfortable. Make a point of blinking more often and every half hour, blink about ten times in a row, slowly. This will help reduce the effects of CVS as well.

Amy ThomasAnabel Blog66989
Bridie Blog37429

Can You Trust the Promises of Free Personals Sites?

It seems like almost every day there's a new website advertising free personal ads. With all these companies approaching us all the time, how do we differentiate between those who are truly able to deliver their promise of free personals from those who are using it as little more than a not-so-clever marketing ploy?

When signing up for an online dating service for the first time, the number of options out there can be staggering. Testing the waters by signing up for a few free personals sites can be a good first step into the online dating world without committing to paying for memberships. But, how do you protect yourself from being burned by a bad first experience with sneaky companies who lure customers in with promises of 'free personals', but rarely deliver?

One easy way to find out is by signing up for a free personals service. Start the sign up process, and if at any point your credit card is asked for, quit. There are few reasons for an online company to ask for your credit card unless they plan on taking money from you. But, read the fine print. If there are reasonable motivations for asking for credit card numbers, you might be able to reconsider. Trust your own judgment because ultimately, it's your money and your decision.

Another way to gage whether or not an free personals service will deliver their promise, browse around the site. If it looks reputable and nice, and if there are a lot of members, this could be a good sign. If other members have already signed up and stayed (check for 'last online' dates or recent activity on message boards, forums, etc.) it probably means that the site has a few satisfied customers.

To sum up, be wary of online dating services offering free services. Though there certainly are excellent sites who offer their services for free, there are also a few who use the 'free personals' promise as a lure to trap unsuspecting singles.

Joe Davidson provides kisscafe with interesting articles about Online dating.Betty Blog99509
Alleen Blog54292

Online Education Era

In past few year internet has improved dramatically. Now in very filed you find internet connection which show this era is of getting connected computer with each other. Dont you think this the online education era?

Online education is boom for working student. Yes, online education has become a part of every schools curriculum, college and university, and it is an effective way for students to learn.

For working student online colleges are more convenient. This is one of the main reasons that earning an education online is such a popular choice of everyone now a dyas. Online degree you study for your degree at home, on your own time. ther is no restriction or compaltion to attent the college lectures. With online education one can get a degree of any university around the world.

Every online colleges or even the courses within those online colleges are the same. Courses the one which your are looking for may never require you to step out of your home while earning an education online. While getting a degree online make sure you tailor your course load to your lifestyle which will be more comfortable for you.

Number of online education sites are available thing is that you have to know which degree is best for your future and how easily you can get it online. As now you know the basics about getting a online education. Now it's your decision take the first real steps toward earning your education online.

Take your time and do more searches to research online colleges and the degrees they offer. Many online education sites for online students offer many other facilities like providing them notes of every lecture online, books to reffer, and if any important event and many more. Online education is the best way to get your degree without attending regular lecture and from any corner of the world.Now you could be earning a degree online in no time.

Anna Josephs is a freelance editor having experience of many years in writing articles and news releases on various topics related to health, automobile and social issues. Currently, she is working on http://www.benzer3.com. To get more details on Online Education, please visit http://education.benzer3.com/education-articles.html . Please feel free to write feedback on this article. Anna Josephs can be contacted at annajosephs@gmail.com.Callie Blog34319
Brigitta Blog24472

Graduate School Admissions

In order to gain acceptance into Graduate School, several requirements or educational items must be met. These items vary from school to school; however, the main ones needed are listed below, with a brief overview of each.

- Transcript -

Colleges need a copy of a students permanent academic records, otherwise known as a transcript. This transcript details the students academic background by listing the courses taken along with the grades achieved in each. So that security measures are enforced and transcripts not altered, these documents need to come from the registrars office of the college or university attended. Some colleges and universities accept telephone orders for transcripts, charging a few dollars each to process the requests and mailing. Others honor online or postal mail requests.

When a student has an original transcript copy with a raised seal on hand, a copy of this may be substituted, depending upon the graduate schools requirements. Interested parties should check ahead first to see which type is needed. Do allow plenty of time for orders to reach destinations, as the process can take many weeks. And do follow up to make sure your transcripts arrive. (Many do not and must be resent!)

- Standardized Test Scores -

The results of standardized tests such as the GRE are required. Depending upon the major area of study, other scores may be needed such as: the LSAT for law school; the MCAT for medical school; the GMAT for business school.

- Recommendations - -

Letters of recommendation are required to help show your good traits and personality, etc. to new prospective school administrators. So choose professors from your past undergraduate years who can write positive letters for your file. Include any from persons with whom research and volunteer work was performed as well.

- Essay -

Most graduate programs seek a personal statement and/or admissions essay to be submitted along with the application. Put a lot of thought and planning into this, using books form the public library to help as needed; creating an outline, draft and final revision copy. Include volunteer and research work youve done and plan to do, any career work, etc. Ask the Graduate School for guidelines and samples.

- MISC -

Some schools require an interview. Seek job application books for tips in this area for what to wear, speaking tips, questions and answer tips, etc.

John DayeBrynna Blog61396
Alyssa Blog59209

FTP Hosting For Small Businesses

File Transfer Protocol (FTP) is an authentic and secure communication protocol designed to exchange information from one computer to another over the Internet. Irrespective of business volume, sharing information or exchanging files on the World Wide Web is a common phenomenon in every business process. Most of us are familiar with Email to share files and other information over the Internet.

The importance of FTP hosting service increased remarkably for smooth and secure business communication. File Transfer Protocol can restrict unauthorized users to intervene in the business process. If you are running a small business and looking for a secure as well as efficient communication protocol then register for a FTP hosting service. FTP hosting service will provide you a secure network with a FTP server and a Client server to exchange information over the Internet.

Selecting an FTP hosting service for your Small Business

Internet is the right place to make sufficient research on FTP hosting service providers and service charges. Free hosting services do not provide the facility of File Transfer Protocol, most cases you have to pay for this secure file transfer service. First you have to register for a selected FTP hosting service. It is recommended to select your primary domain name and secondary domain name based on the name of your company. During the registration process you have to select the period and other facilities for FTP hosting service and based on that service provider will allocate a separate space for your small business in their server.

FTP hosting service to ensure a secured network in Small Business process

FTP hosting service allows you to share all types of files (text, image, audio, multimedia etc.) to targeted FTP account holders. FTP service providers will allocate FTP accounts with unique user name and password. Therefore you can create multiple FTP user account under the registered FTP site. FTP hosting service will allow only authorized account holder to access the server that is allocated for your business. Through your FTP account you can upload copies of the files in the server. Only authorized clients, vendors or end users can view and download selected files from your FTP site through their account.

Security of digital information is necessary in Health Care Services. If you are running a small business where you have to share medical report, research papers and other types of private document then it is recommended to go for Standard FTP. Standard FTP comes with the feature like encryption, which is not available in general FTP hosting service. In this process the system will encrypt the content of the file before uploading the file in the server.

Features of FTP hosting services for Small Business

For small business you can go for basic FTP hosting. Following are some features of basic FTP hosting:

Sufficient space in the FTP server to store any types of files. You have to select the storage based on your business volume.

Web-based Control Panel

Sufficient Sub-FTP accounts for clients, vendors and employees

Daily statistics of the activities along with daily backup facility

Directories, which are protected by Password

Additional security features like Secure FTP or SSL. These features are optional and are not available with general FTP hosting services.

Based on the requirement of your small business you can enjoy additional disk space and/or additional monthly file transfer through FTP server by paying reasonable amount per month to the service provider.

Cost factors

For small business money matters, therefore it is important to select the right FTP service provider. It is observed that, some special software is required to utilize this unique file transfer service. Since you have to pay the bill for FTP hosting service throughout the period therefore it is better to select the an FTP hosting service that does not require any extra software to support the process of exchanging files over the Internet. By this you can save some extra cash for your small business.

Values of FTP hosting services are quite affordable for small business operators. So register for FTP hosting service for your small business and experience an efficient and secure process of transferring files from one location to another.

Mike Jewson is a Network Engineer with "InstantFTPsites.com". You can learn more about "FTP Hosting" services online at http://www.InstantFTPsites.comCatarina Blog67728
Ashleigh Blog32405

Philadelphia's Four Seasons Hotel For Business, Vacations Or Weddings

One of the finest hotels in downtown Philadelphia is the Four Seasons Hotel. And it caters to all travelers and special occasions, business, vacations or weddings. Located in the heart of downtown Philadelphia just at the foot of the famous Fairmount Park and the steps to the art museum made famous in the Rocky movies. The location is ideal for anyone that has business in downtown Philly or wishes to enjoy the city in high style. It is beautifully appointed with an impeccable staff.

Their very popular Fountain Restaurant is one of the cities best dining experiences. The restaurant has accommodations for 107 including the special and private 14 patron Logan Rome. The in demand tables with the gorgeous view of the Swan Fountain are always the first to be booked. None of the tables are jammed in and the room is filled with warm woods and rich, textured fabrics. The cuisine is classic international with a focus on local foods. There is a child's menu.

Zagat Survey has rated the Fountain Restaurant the best in Philadelphia. It has also claimed top honors from Gourmet, Bon Appetite, and AAA.

Over the holidays, Christmas and New Years, the Fountain will serve festive menus. Due to the popularity of these special days, a reservation is a must.

The well equipped gym is a wonderful place to work of steam or laze in the indoor heated pool with a whirlpool nearby. It features one large plasma screen television and each cardiovascular machine has a flat screen TV. For privacy you can obtain headsets at the spa check in desk. An added bonus is the chilled towels offered during your workout and a spray bottle with Evian water to refresh you.

The amenities in your room are many and first class. The beds have down pillows and Duvets (non-allergic pillows are also available). The usual equipment is stocked in your room, such as hair dryers, in-room safe, interactive TV, high speed internet hook ups and thick comfortable robes. In-room exercise equipment is available if you would rather work out in privacy. Housekeeping is twice daily and there is a private bar.

They have a first class business center where all your needs will be met. You can fax, use computers or audiovisual equipment, secretarial services and translation service are offered.

The Four Seasons has the normal check in, 3:00 PM and check out, 12 noon. If you have a late or early flight they will gladly store your bags while you go use the spa facilities until your room is ready or you are ready to depart.

Now if you want to have memorable wedding The Four Season puts on the best. They will take care of everything, the cake, and the flowers even the invitations. There is an on site professional wedding planner who will coordinate every aspect of your wedding. Together you will pick out all the food and beverages and their professional will assist in all other aspects of your special day, including coordinating the paperwork required to have the ceremony held in this fine hotel.

They have a list of preferred vendors that they have used in the past and know they are professional and talented. The pastry chef will work with on what cake you would like and the chef will help you pick out the food from their menu or design one especially for you. Your wedding photos can be taking in the beautiful appointed foyer or out in the courtyard if weather permits. You can plan anything from just an intimated family affair, a sit down brunch or a grand party in one of the ballrooms.

You may want to come in a day early to take advantage of their spa and beauty services so you will a stress free day for your special day.

The Four Seasons Hotel in Philadelphia is a first class establishment for business people, vacationers or for special occasions like weddings.

Copyright © Mary Hanna, All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

Mary Hanna has traveled the world by Air and Ship while writing eBooks, Software Reviews and Practical Articles on Internet Marketing, Cruising, Gardening and Travel. Visit her websites at: http://www.CruiseTravelDirectory.com and http://www.CruiseGold.com You can read more of her articles at http://www.ArticleBazaar.net.Austina Blog80033
Celestia Blog32716

To Co-sign or Not to Co-sign for Family...That Is the Question

Those of you who recently filed bankruptcy (and those bad credit scores) may be tempted, like I was, to ask a friend, parent or relative to co-sign on a loan with you.

Don't do it.

It weakens your position with lenders. Once a lender sees a co-signer on one of your loansthe lender will question your stability and move into cover their butt mode. And the way lenders cover their butts, is by forcing you to get a co-signer on your next loan...and the loan after that...and the loan after that.

Bottom line: When you have an existing co-signed loanthe chance of a lender requiring a co-signer on your next loan increases significantly.

There are right ways to recover from bankruptcy (or just rebuild bad credit) properly and quickly. But having a co-signer only delays your recovery and sets you up for complications along the way.

If you are unable to qualify for the credit you need...take it as a sign that it is not meant to be...until you can qualify on your own.

What if you are asked to become a co-signer?

I have a core belief...and it goes something like this, Lend people money only if you can afford not to get it back and you won't hold a grudge if you don'tbut never ever lend people your credit.

If you're thinking about co-signing for someone...

Don't do it.

There is too much at stake.

If the borrower defaults on the loan, two things will happen to your credit reports and FICO credit scores:

1. If the loan goes into default, the lender looks to you to make the payment(s)...so have your checkbook ready.

2. Each time the loan becomes 30 days past due, a late payment will appear on your credit report(s) for up to 7 years...and as a result your credit scores will be lower than they could be.

Additionally, when you co-sign...

1. The payment you co-signed for is calculated in your debt-to-income ratio. So going in debt for someone else could actually prevent you from getting the credit you need when you need it. And it could increase the cost of credit since your scores may be lower.

2. When each lender reviews your credit report(s) to consider the loan, they will post a credit inquiry that will lower your credit scores.

3. Your own credit card interest rates could skyrocket due to the added debt. In what is becoming more common practice, credit card issuers are reviewing your credit reports and looking for how much debt you have with other companies. This is called a universal review of your credit reports and if the outcome is bad, your interest rates can dramatically increase with little notice (this just happened to one of my employees last week).

4. The added debt could lower your insurance credit scores to the point where it could impact your ability to get or keep homeowner's and auto insurance or cause your premiums to increase.

As you can see, there is very little value in co-signing a loan. But there is a lot of downside risk.

And these days your credit score is about more than just your ability to obtain credit...it's about your insurance rates and almost everything else in your financial life.

Co-signing for family members

I can remember stories about my family members asking our Uncle David to co-sign. I should know, I was one of them.

What I noticed is that after one family member asked Uncle David to co-sign...all the other family members deemed it their birthright to do the same. Whether it was for a car, motorcycle, camera equipment, or business loans...Uncle David was (and still is) there to the rescue. (Does your family have an Uncle David?)

To a lot of my family, Uncle David turned into Uncle David Bank and Trust, Inc. The sad fact is many family members took advantage of his kindness. Some only paid him back after they passed away. Many times he was left high and dry, making the payments for the borrower.

It's a tough balance to be kind to others, even family members, and remain financially responsible. But one thing I know, I never...never... never...loan someone my credit by co-signing. It's just too risky.

What about co-signing for your children?

If you can easily afford your insurance rates to double, your credit card limits to be reduced, and your interest rates on your revolving credit to increase substantially, then go ahead and do it.

Not me.

I feel it's better to do other things to help your children establish credit.

When my wife and I have children, our plan is to show our kids how to accomplish their credit goals without a co-signer. Will we help them? Sure we will. But not by co-signing. By the time they need to purchase their first car, their credit scores alone will qualify them.

We plan to teach them about the importance of managing their credit and credit scores so they are able to reach and maintain high credit scores; save for a down payment using money they earn (not borrow); and how to compare and select a lender to work with.

What about having a spouse co-sign on a loan?

Well, that isn't co-signing. That's co-borrowing...a different animal altogether. Co-borrowing is common practice among married people on a loan for a car or mortgage. And there is nothing wrong with co-borrowing. The goal, however, would be not to have everything held together. You need to build individual and joint credit so you can weather a storm (i.e., death, serious illness, etc.) on your own if need be.

I only recommend co-borrowing with a responsible spouse. And if you're not married I would even go so far as to suggest reviewing your partner's FICO credit scores! (Should we call this a FICO Pre-Nup?) Consider me paranoid. A person's credit history tends to leave clues. If the clues unearth a trail of bad credit...don't be naive.

Stephen Snyder is the founder of the After Bankruptcy Foundation (http://www.AfterBankruptcy.org), a non-profit organization that provides free resources for helping people recover from bankruptcy. Stephen also writes a free weekly newsletter on bankruptcy recovery (http://www.LifeAfterBankruptcy.com).Anna Blog84593
Camila Blog14523

Cheap Secured Loan How Cheap Can I Go?

When you hear the word cheap what does it conjure up for you? Can it be the pair of shoes that you are wearing or the new house that you purchased not long ago? So no matter what the product is having something of a better quality but at a cheaper rate, how often would you not jump at the chance to possess something like that. If you are that type of person, then may be it is time for you to look at getting a cheap secured loan. These kinds of loans have been specifically set up to fulfill a persons financial requirements. Often such loans will help a customer to obtain a cheaper and more accessible rate than any other loans that are currently available.

However, a secured loan is a loan where the borrower must place collateral against the amount of the loan that they have taken out. The collateral they use can either be a house, car or any other related asset and works as security on behalf of the borrower. A cheaper secured loan is a secured loan which is provided to the borrower at a lower rate of interest than normally provided by the lender and certainly this type of interest rate is always an added benefit to any borrower. Often these type of loans the lending company or bank will offer the borrower a longer repayment period, which is often an additional benefit to those borrowers who choose to opt for these types of loans.

Often a cheap secured loan can be used for a variety of purposes such as the borrower wants to purchase a new car, or take a vacation or it may be that they want to make some improvements to their home. Some people even use such loans for consolidate debts that they already have into one easy to manage account.

Often such secured loans come at a lower rate of interest than normal loans because they are secured against the borrowers property and will often have the added benefit of a flexible repayment period. With such loans one can often borrower a larger sum of money and the loans offered can range from 5,000 to 100,000. However, the amount being offered really depends on the security being offered by the borrower. As mentioned previously such loans will provide the provider with an extended repayment period and because of this the borrower often gets a cheaper interest rate and can pay the loan back over a longer and more easily manageable period of time. Often the period time in which the loan has to be paid back generally ranges from between 5 to 25 years.

You can easily obtain a cheap secured loan from the many different banks, lending societies and financial institutes that are around. But the best method of obtaining a cheap secured loan is by going online. Using this method the borrower has access to a large number of loans that are available from trusted lenders. This method allows a borrower to look at and read the terms and conditions of the lenders loan facilities and thus make a qualified assessment of all the facilities that are available to them.

Allison Thompson an expert author after becoming a work from home mum who runs a small real estate company in Spain. Due to her involvement in the property market she has carried out extensive research relating to all financial matters. If you would like to learn more, please visit http://www.centrallendingservices.com.Austina Blog80033
Brynne Blog22048

The World At War: Protecting Your Overseas Holdings

Once upon a time, many years ago, the traditional wisdom was that war was good for business. In todays increasingly global economy, however, this saying is for the most part outdated and downright fool hearty. Particularly if you have -- or are considering -- expanding your business overseas, or have extensive holdings in foreign companies either through investments or direct partnerships, the current conflicts going on all over the world and in the Middle East in particular have the potential to negatively impact your profits, if they havent already done so. Regardless of who is right or wrong in the various wars going on around the globe or where you personally stand on the issues behind them it is impossible to ignore their potential impact on your ability to profit from your international business ventures. Even if you have no holdings or business anywhere near a war zone, the potential for negative impact is still very real.

There really is no way to completely insulate your overseas business or investments from the negative impacts caused by war any more than you can completely protect your own home from the damage that can be caused by a flood or a hurricane. The simple fact is that as you have no control over geopolitical events and conflicts, you are in many ways at their mercy. However, by identifying those things that can be potentially damaging to your business and taking steps to guard against them, it is possible to significantly limit your damage, and decrease your business exposure.

A quick trip to the local gas station will show you perhaps the most readily visible impact these wars are having. In the United States, as we all know, gas prices have risen dramatically in the last 12 months but the increases you see at your local gas station are nothing compared to the increases that have been seen in some parts of Europe, Asia and Australia. In Europe in particular where petrol has traditionally been more expensive than it is in the United States the effects are particularly ominous. Substantially higher gas and with winter just around the corner heating costs means less disposable income in the hands of the citizens which, in turn, will very likely mean a slowing in some segments of the economy. True, the same can certainly be said for the US economy as well, but it is important to remember that the United States has a higher per capita income than most European nations, and so the economic impact of higher oil prices will, in all likelihood, hit them harder. While quality generally has always and in the long run probably will always be more important to the average European customer than price, in the short term price is very likely to become a major issue in many of the European markets. Remaining aware of and updated on general consumer buying trends in the specific nations you are doing business in is a critical indicator for what direction you may be required to take your business in that country.

Another impact the wars around the globe can have on your business revolves around the political climate that exists in the country where you are doing business or have invested. As a quick look at CNN will likely point out, all the world does not share the United States views on international matters particularly wars. Particularly in Asia, South America, and some parts of Eastern Europe it is important to keep a close eye on the stands that the various governments are taking on the various wars, and remain very aware of any dramatic growth in anti-American Governmental sentiment. While certainly large segments of the governments of the European Union nations agree with US policies, it is also important to make certain that you understand how the people in the nations you are doing business in feel as this is quite likely to be the same way that your partners there feel. Any major shift in feelings about the US as a whole by the population of a nation where you are doing business can dramatically effect the way you will need to conduct your business there.

As I write this article, all carry on luggage and liquids have been banned on all domestic and European flights from the United States, and Airline security stands at an unprecedented level of high alert. In the United States, it is suggested that you arrive at the airport four hours early for any overseas flight. The days when your travel time overseas could be combined with productive work time via your laptop and satellite internet connection are over for now and, while these restrictions are sure to be removed at some point, they will almost equally surely come back again. The simple fact is, international travel is becoming increasingly time consuming, inconvenient, unproductive and, in some cases, dangerous. Sad to say terrorism and the threat of terrorist attacks particularly on Americans abroad is a very real concern. Where it was once both practical and economical and even a perk to have your senior people travel to overseas operations, this is no longer always the case. Time, money, and peace of mind can be saved by either installing or upgrading computer networking platforms with your overseas offices and/or partners so that the majority of your business with them can take place via the internet. In the future, there is every reason to believe that the occasional trip to Rome, or London, or Paris will go back to being a perk for your top performers. However, until the world situation stabilizes again, in most cases your peoples productive time can be better used at home rather than sitting for hours in an airport or on a plane.

There is nothing good about war, but history has taught us that wars always end and the current conflicts raging around the globe will end as well. They can best be viewed from a business standpoint at any rate as a tragic inconvenience that needs to be analyzed, and then dealt with. By watching how trends change on a weekly if not day by day basis in the nations you are doing business with, as well having a finger on the pulse of the feelings of both the governments and the people of these areas, you will have the information you need to make informed decisions and limit your business exposure. You do not have the ability to change the various geopolitical paradigms that account for wars, but you do have the ability to protect your business from the damage that those wars can cause!

Steve McLaughlin is available for consultation and can be contacted directly by Email: smclaughlin@gmi.lu or Phone: 352-26364921. Additional information is located on his website: http://www.gmi.lu.Alejandra Blog85920
Adrianne Blog13

A Day In A Video Game Virtual World

An 11th grader comes home from school and throws his or her backpack onto the floor and immediately jumps into their favorite chair and prepare themselves to transform themselves. A video game collector comes home from a long day of work as he places his brief case on to the floor and grabs a bite to eat before plopping down into his favorite chair to begin a day within a video game wonderland. The 11th grader is no longer a student; he or she is what ever character they want to be in a game. The same goes for the business man; hes no longer a suit but a character with special powers to conquer their own world. Todays game technology allows players to role play and become what ever character they desire.

Gone are the days when players of video games had to stay seated or in one spot in order to play a video game. The Nintendo Wii is the most recent video game available to game-aholics. The new Wii game uses a wireless remote rather than the wired game controller.

Unlike the two players per game session, four players can play Wii during a game sequence. This remote makes games much easier to play, even for first-time and inexperienced gamers.

The Game Survey Says!

When a new game is introduced or is about to be launched into the market, companies choose independent testers who actually play these new games and rate them accordingly. Its sort of like test driving a vehicle before giving the public their opinion. Although they these companies have professional testers of these games, the true testers are the consumers or children of consumers who play these games day in and day out. Their intention is not to test a game but to have fun playing it and becoming a part of a virtual society unlike the one that they are living in. In the game society, the play can control the out come of their destiny.

Video games of the 21st century are programmed so that the players can envision themselves in the games. This is all made possible due to the wireless remote. So if there is a scene, within a video game, that has a man running and climbing into a helicopter, the player can become engaged and apart of the action or lifestyle of a game.

Older game controls were very basic but they did the job for players. However, todays video game controls are equipped with built-in speakers; this gives it a surround sound effect. This controller is not limited to the surround sound feature; there are other features as well.

Taisha Grant writes about http://www.videogamesbox.com, http://www.videogamesbox.com/Coupons/eToys.html and http://www.videogamesbox.com/Coupons/MadCatzStore.com.htmlCamile Blog5969
Candace Blog15085

Cartoon Logo an Intriguing Affair!

The other day I was going through the newspaper - Just flipping through the pages. Nothing new, a regular routine, or you can say a daily affair. Sometimes I wonder how can reading a newspaper be some sort of leisure activity for someone.

Completely disinterested, I was going through the same old news when something caught my eyeit was a real bright and beautiful business logo. I smiled as I looked at it. It was a beautifully sketched cartoon logo symbolizing a business of a company engaged in graphic design, mascot design, cartoon logo design, stationery design and web design services. It was staring out at me and had a story to tell. One expression was enough to trigger many thoughts and feelings. Feeling of humor Some sort of a strange attraction to the cartoon character and therefore to the company behind it. I could see through the marketing cleverness behind it but was happy to be led on. I stopped and read through the advertisement, the name of the company and its business. Next, my focus went to the character. I was able to identify that the character was not just an employee but was happy with his company, which made him cherish his job. And, I thought to myself, if he was happy and fun then the company behind it should be professional and capable of keeping their customers happy. I hear you say But that is no logic and I agree there was nothing logical here, but just my emotional trail of thoughts A feeling of positive experience. I am sure you have seen many companies use this in their advertising strategy Faces of smiling models!

The radiance depicted through the expressions of this cartoon logo was infectious. The next thing I knew was trying to get onto their website to find a bit more about the values and culture of this organization. The one thing I thought of was that it must be a pleasure to use the products of this company. There was something about the cartoon expression that assured me this company must be high in its values, must safeguard the interests of its clients and going the extra mile to satisfy their customers.

Then I started to think about the whole experience created by a simple but funny looking cartoon character. Wearing my marketing hat I thought how different companies could create some sort of cartoon character or a mascot design to convey a compelling message and a positive brand experience. There is always some element of vibrance attached with cartoon logos that inculcates an impulsive inquisition within our minds. Once you look at the expressive features or the glimmer in their eyes, you automatically want to know more. You get transported to another world Probably to connecting to your inner child, which many of us cherish. More isnt enough! You now try imagining the character in different poses and expressions.

Cartoon logos are explicit, pleasing as well as magnetic. The best part about them is that they say it all without having to speak! You dont even need to write taglines or phrases. Their expressions do the trick.

Cartoon logos have always been popular especially if one is dealing with a brand or company that targets children products and services. They are the simplest manner by which one can make a presentation and answer all the questions simultaneously.

Cartoon logos create an unusual sense of inquiry and interest. In order to make an impact you need to give the customers what they want to see and tell them what they want to hear. Cartoon logos are great at this task.

Bhupendra Ahluwalia is a cartoonist and is associated with http://www.maverickmav.com.au for cartoon logo design at http://www.maverickmav.com.au/services-cartoonlogo.htm cartoon graphics, website cartoons, cartoon animation, cartoon stationery design at http://www.maverickmav.com.au/services-stndesign.htmCelie Blog61846
Cathrin Blog1627

Boost Your Spain Property Rental Profits with Viral Marketing

If you are pressed for time and tenants, you'll want to read this! Property rentals can be very lucrative if you know how to market to your potential guests. Whether it's an apartment for rent, villa rental for vacationers, or a golf holiday rental, you can boost profits with these simple marketing strategies.

Maximize Holiday Rental Promotions Online

Don't ignore the tremendous power of the Internet. Imagine spending a mere $5 to $15 per month to advertise your Spain property rental to folks around the world 24 hours a day, 7 days a week! That's exactly what you're doing when you start your own website that is focused on property rental.

For only a few dollars per month, you can have an entire website dedicated to promoting your apartment for rent or vacation villa rental. You can put as many photos and updates as you want. There are no limits because you will be the owner! You can even offer online specials and discounts to Internet users.

To make your website really popular with the search engines, include travel articles and city information about nearby areas. For example, if you own a rental property in Marbella, Spain you can write content about that area and include keywords about traveling to Marbella. The same goes for other Spain holiday hot spots including Costa del Sol, Benalmadena, Fuengirola, Mijas, Puerto Banus, and Elviria. Tourists will be searching online for a place to stay. Yours can be the one they choose!

Promote for Events and Recreation

If you have a vacation rental that's near a major tourist or sports attraction or where major events take place, then focus some of your marketing around the attraction or the event. For example, if your rental property is near a popular golf course in Spain where major tournaments are held, you can advertise in golf-focused magazines, golf-related stores, or golf web sites. This enables you to reach a targeted audience.

Don't Forget Past Guests

A guest who rented from you once may visit again. You will have all the mailing addresses or email of your guests, so send a mailing out occasionally inviting them to stay once more. Offer a "special" for past guests only. It's much easier to sell to those who already know you than to find new customers.

Include All Features and Benefits in your Promotions

When promoting your rental property, be sure to include all the features and benefits of staying at your rental property. You should list all the items or appliances that are included with their rental for convenience. The more you tell, the more you'll sell. Tourists want no surprises when it comes to a place to stay on their trip.

With these promotion techniques, you can reach a broader audience for your vacation rental property and watch your monthly profits grow!

Chris Robertson is a published author of Majon International. Majon International is one of the worlds MOST popular internet marketing and internet advertising companies on the web. Visit their main business resource web site at: http://www.majon.com.Cahra Blog75298
Anne Corinne Blog55083