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Rabu, 26 Agustus 2009

Is there a role for nutrition in treating hair loss?
by: Richard Mitchell
Could something as basic as inadequate nutrition really contribute to excessive shedding of hair?
Does sensible nutrition have a role to play in helping hair to regrow?
The answer to both questions is yes! There is no doubt that poor nutrition and hectic lifestyles can contribute to hair loss. Modern diets can be associated with a number of nutritional deficiencies that are thought to contribute to hair loss:
1. The refining of whole grains reduces the B vitamin content.
2. Over cooking of vegetables destroys B vitamins.
3. Raw leafy greens are absent in most diets.
4. The vitamins that have been ingested are often re-directed to facilitate the digestion of nutritionally sterile carbohydrates like sugar and white flour.
5. Stimulants like caffeine, nicotene and alcohol rob the body of vital nutrients.
6. Excessive salt intake can encourage hair loss because of its tendency to accumulate in tissue.
7. Low fiber intake inhibits digestion thus reducing the body's ability to deliver nutrients to the blood stream.
Clearly poor nutrition can cause hair loss because the body will ration nutrients in a hierarchy of vital organs first and hair last. It is unlikely that improved nutrition alone will result in new hair growth but it will minimize shedding and support other treatments that encourage regrowth.

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Top nutritional tips to support healthy hair growth.

by: Richard Mitchell

1. Eat adequate amounts of protein.
Protein is composed of the amino acids essential for the building of new cells, including hair. Five amino acids are of particular relevance to hair growth - cystine, cysteine, methionine, arginine and lysine.
Inadequate protein intake over a lengthy period can force hair into the resting phase with shedding a few months later. It is obvious then that sufficient portions of protein rich foods should form part of your daily diet. The best sources of dietary protein are lean meats, fish, poultry, eggs, dairy products, soy, nuts, grains and seeds. At least 15% of your daily calories should come from protein-rich foods.
2. Eat adequate amounts of useful carbohydrates.
Carbs are an essential source of energy and help in the growth of body tissues, including hair. They are an important source of the B vitamins that are vital to healthy hair.
It is important that you concentrate on consuming non-refined carbs rather than the sugars and white flour that are so prevalent in many over-refined carb products. You should place an emphasis on consuming vegetables, fruits, whole grains, brown rice and potatoes. It is recommended that you obtain 55-60% of your daily calories from the carbohydrates found in these foods.
3. Achieve a healthy balance of dietary fats.
Fat is used in energy production and can be found in both animal and plant foods. Your body needs sufficient levels of fat to maintain good health. That fat should be obtained from a mixture of lean animal and plant sources. Roughly 25-30% of your daily calories should come from these sources.
4. The right nutritional balance is one that suits your personal circumstances.
How much of each food group you eat depends on a host of factors including age, sex, health and level of physical activity. When choosing meals and snacks, take account of the following key principles of sound nutrition:
- Eat a variety of foods.
- Apply moderation to your consumption of junk foods.
- Choose natural and lightly processed foods as often as possible.
- Do not over cook.
5. Support a nutritious diet with a few carefully chosen supplements.
Following a nutritious diet is essential for good hair health, but on its own this may not be sufficient for a number of reasons:
- Modern farming methods may deplete the nutrient quality of food.
- High stress levels may diminish nutrients in your body.
- Dieting may affect nutrient levels.
- Aging reduces the ability of our bodies to utilize certain nutrients.
- Exercise can deplete some nutrients.
It may be sufficient to supplement with a well-balanced multi-vitamin / mineral product but a number of products are available that specifically cater for the requirements of healthy hair.

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How to Find Affordable Health Insurance
by: Dr. Deepak Dutta

Affordable health insurance - it seems, especially today, those words just don't belong together in the same sentence. Health insurance monthly premiums have become the biggest single expense in our lives - surpassing even mortgage payments. In fact, if you have any permanent health problems, such as diabetes, or have had cancer at one time in your family history, your monthly cost could easily be more than the house and car payment combined.
Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work - especially a state or federal employee - and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to.

Affordable health insurance, however, is definitely available -if you know how and where to look.
When you are looking for affordable health insurance, you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable health insurance. You may not be able to afford a "Cadillac" policy - but then you probably don't need all the frills anyway. Shopping for health insurance on the internet is the easiest and best way to find affordable health insurance. Here are five reasons why.

1. You don't need a local agent to help you submit the claims for health insurance. The medical provider does it for you. You save money because the health insurance company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.

2. All the top health insurance companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.

3. Health insurance companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn't have the time or desire for that.

4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake - more delay).

5. Charging to a credit card means you aren't going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for "auto-pay".

The key, however, to finding affordable health insurance is realizing that the purpose of any health insurance is to protect you from a major financial loss - not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It's the $100,000 heart operation that will break you. That's the financial disaster health insurance was originally designed to prevent.

Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your health insurance company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.

Yes, finding affordable health insurance is much easier than most people think.
Taking more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many folks) will make it very possible to find your own affordable health insurance.

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Minggu, 23 Agustus 2009

Miami is the Hub of Florida’s Culture and Nightlife

by: Rose Lenk


When one thinks about Miami, Florida, the image that comes to mind is usually filled with hot night spots, sophisticated urban hospitality and warm, sandy beaches. It is all of these things and much more that make Miami one of the hottest vacation spots both in Florida and in the Eastern United States.

While Miami has been a hot vacation destination for decades, the city has seen some major development during these infancy years of the new millennium.


Most of this development has taken place in downtown Miami, but its effect can be felt throughout the region. But since the numerous new buildings and skyscrapers have been built in the city's center, the famous beaches of the area have remained pretty much unchanged.


One of the main attractions of Miami is its temperate, subtropical weather which allows for year-round outdoor activities. The many beaches and waterfronts available offer varied water sports including windsurfing, sailing, kayaking and scuba diving. And if you prefer land to sea, there are just as many dry attractions to keep you occupied including golf, tennis, sunbathing, nightclubbing, fine dining and other area attractions


South Beach is perhaps one of the most famous neighborhoods in the Miami area. The South Beach Historical District, located on the peninsular southern tip of South Beach, consists of only one square mile, but is home to numerous 1930s to 1950s style Art Deco hotels. These hotels are only a short distance away from some of the major Miami attractions and offer comfortable, off-the-beaten-path lodging.


The historic district is also home to numerous other attractions including the Holocaust Memorial, Wolfsonian Museum, The Jackie Gleason Theater of the Performing Arts and Lincoln Road Mall.


Miami is also the shopping Mecca of Florida and boasts endless premier shopping malls and boutiques. For shoppers who want a taste of the local flavor, Bayside Marketplace and Biscayne Bay have a number of boutiques and specialty shops that sell everything from plastic fruit to high-tech electronics.


The Mayfair Shops, located in the Grove, is a complex made up of boutiques and nightclubs. And Sawgrass Mills, with more than 300 shops and kiosks in a 2.4-million-square-foot facility makes even the most serious and dedicated shoppers feel like they've died and gone to the great big mall in the sky.


To get to one of the many beaches in the Miami area, you will likely find yourself on Ocean Drive. This drive extends from 5th to 15th streets and features historic hotels, shops and open-air cafés, which face the Atlantic Ocean.


Continuing on to 21st to 35th streets and again from 71st to 163rd Streets are where the most popular beaches can be found. Here visitors can enjoy a host of activities including deep-sea fishing, kite flying, sunbathing, surfing and a host of other water sports.


Visitors looking for more natural surroundings should visit the Biscayne Bay islands, just south of Miami Beach. The islands give tourists a chance to see the natural wonders that Florida has to offer. Also in this area is the Miami Seaquarium, situated on Key Biscayne.

This is a terrific place for the entire family to learn about the native sea life. Visitors will get to see Flipper the dolphin and Lolita the killer whale perform high-flying stunts.

Another attraction that is a must-see for nature lovers is the Vizcaya Museum and Gardens. This museum, constructed in 1916 by James Deering, is a palatial affair which reflects the Old World style of Florida's yesteryear. Here guests can appreciate the Italian Renaissance architecture of the building while they tour the mansion and the immaculate gardens of the estate.


So, if you are looking for a hot spot with an endless array and variety of attractions, perhaps Miami, Florida is the perfect destination for your next vacation getaway. From hot night spots and fine restaurants to family attractions and endless beaches, Miami has more to offer you and your family than many other popular vacation spots.

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Kamis, 20 Agustus 2009

Let's get REAL about something - and quelch the LIES you have been told about Real Estate Investing…

What I am going to reveal to you are some basic truths about Real Estate investing - truths that may totally affect the Real Estate investments you have now - and certainly I intend to modify the way you do Real Estate investing in the future.

Let's get right to it - and into the heart of the real estate investing issue…

You have been programmed all your life to become what you are today - from school, friends, relatives and, yes, your parents.

Recent studies show that you are who you are now, more from what you learned prior to age 8 than in anything else you have learned since.

Now, that may surprise you, but it is true that what you learned at the earliest ages affects the way you make Real Estate investments today, and the type of Real Estate investing success you will have going forward!

Yes, that's a bit shocking…

You see, if you grew up in an environment where you heard things like “We can't afford it”, “Be sure you have saved enough and have the cash to buy it (i.e., never use credit)” or numerous other phrases that you now hear yourself saying (you know what I'm talking about - those times you catch yourself "becoming your parents"…), it is because of your early programming (from 0-8 years) and what you were told about money, success and life in general.

That is controlling your current income - and your success - or lack of it...

The things you were told at that early, most influential age, are now creeping out and affecting how successful you are in business, in life and yes, in your Real Estate investing.

THERE IS GOOD NEWS

The greatest thing about this fact - as horrible as it seems - is that you can change the 'programming' - you have the power to do it!

You can reprogram yourself in any way you want - have anything you want - do anything you want…

All it takes is simply to 'reinstall' the right kind of thinking.

And, it is easier than you might think!

One of the best ways to do that is to get a CD audio set from someone you like to listen to - someone that thinks positively and speaks of the life you want to live. Many home study courses are available (yes, including mine) that are designed to inspire and motivate you, while they teach you the methods and secrets of real estate investing.

Purchase one - listen to it, over and over - until you hear yourself speaking that way, too.

You see, we are all simply creatures of habit and environment - if we allow junk to get into our heads, all we will ever say is junk coming out.

If all you listen to is the bad stuff in life (like the TV news, most 'talk radio' shows, those TV 'real life' shows that end up in fights - you know the ones…, and even violent movies where the language is nothing you'd ever expect to hear from your own lips…), that is exactly what you will wind up sounding like!

It is true - 'you are what you eat' - and that counts just as much for what you put in your ears as it does for what you put in your mouth!

If you spend your time around 'bar people', you'll speak and act like them. Not that there's anything wrong with that, as long as you made a conscious thought that it is what you want, but I think you'd be much more successful at Real Estate investing if you were listening to a successful person teaching you about Real Estate Investing!

Now, let's get right to the point about the various methods and concepts you have learned about Real Estate Investing…

You may call yourself a 'real estate investing expert', but if you have to get up every morning and wonder where your next check is coming from, you aren't making real estate investments, you are being employed in a Real Estate Investing JOB!

Yes, that's a hard-hitting statement.

You see, I want you to 'get real' with yourself and simply admit it - Real Estate investing is when you put money into a Real Estate investment and then get some money out - 'real estate investing' defined…

Yet, it seems that most people I meet want to attend my real estate training or purchase my real estate courses that have to do with 'No Money Down' (NMD) “real estate investing”…

Now, that kind of talk just proves the point - you can reprogram yourself to speak a different language - even if it doesn't make sense!

A bunch of 'gurus' have told you over and over again that 'No Money Down' is real estate investing - even though you learned at an early age that 'invest' means to put money into something and get money out (see http://dictionary.reference.com/search?q=invest for other definitions - none of them say 'No Money Down'...)

Now, it's not that 'NMD Real Estate investing' is all bad - heck, my students and I make several thousand dollars from these types of 'Real Estate investing' transactions every year, too.

Just don't lie to yourself and say they are 'real estate investments', we know very clearly that these are simply 'earned income' from one portion of your real estate investing business - the real estate 'job' portion - earned while in transition from your 'corporate job' to your 'real estate investing job' and on the road to true Real Estate Investing.

In other real estate investing articles, I cover some of the methods and techniques you, too, can explore while moving from your 'corporate job' to your 'real estate investing job' and you'll learn some insider secrets for taking that leap quickly.

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There are many students and graduates out there that are struggling with paying for their student loans. Often times, these people have heard of refinancing student loans in order to make their payments lower and more manageable. But before you consider refinancing student loans, there are some things you should first consider. Let this be your guide to the truth about refinancing student loans.

Refinancing student loans often seems like a good idea. In fact, refinancing student loans is a good idea, if you use it to your advantage. We shall go over that in a minute. First, you need to know that most student loans are often of a variable percentage rate until the rate is locked through means of a loan consolidation, or by refinancing the loan. Currently, interest rates are quite low so it is a good time for refinancing student loans.

Refinancing student loans is only available to students who have always paid their student loan bill on time. If this does not sound like you, then I wish you good luck trying to refinance your student loan. Refinancing rates are often offered between one and two percent lower than your original student loan rate. Most refinancing rates will save you up to 60 percent. But this is where the drawback is that most people don't realize when they refinance their student loans.

The drawback is a hidden drawback that most people never really see. I will explain. In order to get your payment lower through refinancing, you are given a much longer time period to pay the loan off. Instead of 5 years, it may be 20! This may sound good in the beginning. At the time, it will leave you with extra money that you may need for other bills. But in reality, it just costs you more money in the end because you will be paying interest much longer to the lender.

The smart way to do it is to pay more towards your lower interest rate student loan bill that you have just refinanced. This way it is cheaper and you will pay it off much quicker than normal. But only do this if you can afford it. If you refinanced your student loan because you couldn't afford the payment, then just pay it off as best you can at your own pace.

This is the truth about refinancing student loans. This information can either be welcomed, or a hard thing to hear. Try to use this information to help you when you refinance student loans. If you utilize all of the information at hand, you should be able to pay your loan off faster and save some money.

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Minggu, 16 Agustus 2009

Getting an education after high school is becoming more and more expensive. But it is also becoming more and more of a necessity to get a good job that pays well and has adequate benefits. For this, most young people need to attend college or some other type of additional training. Most of them can’t afford to pay for their education by themselves and end up looking for financial help of some kind.

Student loans are a popular choice, but federal student loans are based on financial need, and some students do not fit into those guidelines. An alternative choice for these students or their parents is a private student loan. These are loans done through private lenders instead of the government. The advantage of these types of direct student loans is that they have many of the same kinds of benefits as federal loans.

These loans can be used for any and all college expenses. Things like tuition, books, supplies, computers, and living expenses are all things that qualify for private student loan funds. These loans are unsecured, meaning that no collateral is needed. The loans are credit-based instead. This can mean that the student might need a co-signer if they have not established a credit history, or their parents can apply for the loan instead.

A private education loan is usually a low-interest loan. Borrowers can shop around to find the best rate. There are generally no application fees to apply for this type of loan and there are also no deadlines for applying. The money can be delivered in as little as five days, and the money is given to the student instead of the school. The student is then responsible for paying for their various educational expenses.

This kind of loan has other advantages similar to federal loans. The interest and principal payments can be deferred until the student graduates from school. For most of these loans, a student is required to be attending school at least half time for the deferral of payments and interest.

When the student does graduate from college, the loans can usually be deferred for six months until the student finds employment, and then the loan holder will generally have a variety of repayment options available so that the student can tailor their payments to their income.

A private student loan is the ideal answer for students who do not meet federal requirements for financial need or whose educational expenses are not fully covered by their federal financial aid. Many lenders offer private student loans to students or their parents and the application process is simple and free. The loan requirements are usually less stringent and the repayment options are affordable for young professionals. A private student loan is a great way to finance the education of any student that needs financial help.

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Sabtu, 15 Agustus 2009

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How To Receive An Education And Training Online

It is not unusual for a person to grow apathetic toward his or her current job. Lack of stimulating work, low pay, and limited growth potential within an organization are all excellent reasons to seek out a way to make a change. One of the best, and easiest, ways to achieve this is to explore furthering your education and training online. This innovative and exciting method of personal and professional improvement has the benefit of allowing you to enhance your career opportunities by either earning a degree or by taking advantage of continuing education options. This is also an ideal option for you if you want to change your career entirely. Education and training can be sought online without interfering with work and family commitments.

In order to get that promotion you’ve been working so hard for, it’s often necessary to further your education and training. Doing so online allows you do achieve your full career potential at your own pace, without interfering with work. In many professions, such as pharmacy, it’s often required to stay up to date with new technologies and pertinent information. A convenient way to do this is to take your continuing education courses online. Some employers are even willing to pay for a portion or all tuition and fees. After all, investing money in their employees can provide long-term benefits for employers.

There are many advantages of choosing an online education and training facility if you wish to further your education and training. There is no need to live near or commute to a school or training facility when all classes can be attended and all coursework submitted online. Attending school online is a great option for those who might have misgivings about going to college as an older student or returning after many years. Furthering your education and training at an online school can make it easier to ease into the routine of class work and projects, an can reduce the stress of feeling the need to fit in with younger college students. Further, the course availability is often convenient for those who work full time and/or care for a family. Frequently, institutions offer evening and weekend sections of courses. It is also very appealing to “go to school” from the comforts of home.

The type of education and training available online is seemingly limitless. The entire spectrum of college degrees is available to a student, including Associate’s, Bachelor’s, and PhD degrees, as well as professional certificates. These degrees are available in many different fields, including Business, Social Sciences, Humanities, Mathematics, Liberal Arts, Fine Arts, and Healthcare programs. In addition to college diplomas, continuing education for professionals is available in many areas, including Healthcare programs, Business, and Information Technology.

Affording to further your education and training online is no different from doing so in a traditional face-to-face institution. Often, financial aid is available to students in the form of grants, loans, and scholarships. It is important to check with the individual institution of interest for requirements and guidelines. Also, many employers may be willing to pay for part or all of an employee’s continuing education. Investing in an employee’s future is also investing in the employer’s future.

The misconception of continuing your education and training online is that the experience might not be as enriching or legitimate as attending face-to-face classes at a traditional college or training facility. Programs offered online present the same opportunities for group work, independent study, and interpersonal communications as their traditional counterparts. In fact, continuing your education online might help to facilitate the learning process as well as develop time management and self-motivation skills. With the prevalence of the Internet and advancements such as teleconferencing in both education and the business world today, it is possible to come away from the experience not only with a degree, but also with greater knowledge and comfort with technology. Continuing your education and training online is a valuable, convenient, and flexible way to broaden your career opportunities.

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Kamis, 13 Agustus 2009

by: Stephanie Coburn
You can read a hundred of the “10 Best Activities Hawaii has to Offer” and find as many lists with differing information. This is not because the lists are wrong, it is simply because there are so many amazing activities to do in Hawaii that each list maker can only include their top 10 favorites, which is why there are so many differences. Here are 10 more of the best activities in Hawaii, but they are generalizations that appeal to the general population and tourists heading to the islands for vacation. So, the best thing to do is read this list and rank the activities you like most and call and make reservations before your vacation begins. Then, when you reach the islands you can look around, check out other activities, and either choose more on this list or some of your own. Remember, there are several islands that make up Hawaii and all of them have special activities. The goal is for you to have the most fun possible and enjoy your Hawaiian vacation.

Hawaii Activity #1 Hanauma Bay

Hanauma Bay, on the island of Oahu, boasts an amazing coral reef that is simply out of this world. There are many fish species that call Hanauma Bay and the coral reef their home, which makes for incredible snorkeling. In fact, so many people snorkel at Hanauma Bay that it often gets quite crowded. So, if you want to snorkel at Hanauma Bay you should get there early or find out which days are the slowest in order to enjoy this fabulous experience.

Hawaii Activity #2 Hawaii Volcanoes

The Volcanoes National Park on the main island of Hawaii is out of this world. When you visit this park you will encounter 330,000 acres preserved for hiking and the like, as well as Mona Lau volcano that is dormant and the active, lava flowing Kilauea volcano. You will be impressed to see the red, hot glow of lava oozing out of this volcano. Spend a few hours or even a few days in The Volcanoes National Park.

Hawaii Activity #3 Maui Drive

Take the road from the Kahului Airport all the way to Hana and you will pass over countless bridges, enjoy the beautiful landscape where you will see pineapples growing and proceed through the tropical rainforest where other amazing fruits grow in addition to eucalyptus trees. It takes several hours to make this short drive, but near the end you will be blessed with the vision of black sand beaches that are simply astonishing in their beauty. When you finally end up in Hana you can enjoy excursions to waterfalls as well as great hikes.

Hawaii Activity #4 Waimea Canyon

On the island of Kauai is the Waimea Canyon which is simply a breathtaking experience. The canyon is so large and colorful that Mark Twain dubbed it the “Grand Canyon of the Pacific.” You will love the adventure and scenery at Waimea Canyon so you must include this on your vacation “to do” list.

Hawaii Activity # 5 Waikiki Beach

If you are looking for a luxurious resort and a relaxing beach, then Waikiki Beach is the place for you. In fact, the majority of the resorts are located on Waikiki which was made popular in the 1800s by Hawaiian royalty who frequented the area for its beautiful beaches. This area is certainly not economical, but every type of luxury you can imagine is available to you.

Hawaii Activity #6 Kona

The Kona coast is also a great resort location and its beaches are fabulous for sun bathing and other beach activities, as well as fishing and even snorkeling. As a result, many people vacation at Kona because there are so many activities available in one place. There are also coffee plantations that produce the natural and organic Kona coffee so you could always take a tour to see how coffee is grown, processed, and ultimately packaged and sold. Whatever you decide to do, Kona has a lot of options.

Hawaii Activity # 7 Na’Pali Coast

The island of Kauai boasts the Na’Pali Coast which is one of nature’s wonders. The towering cliffs originate on the ocean’s floor and ascend from the water to create amazing gorges created by waterfalls streaming down over centuries and eroding the stone. You can hike to the Na’Pali coast, but this might take all day. There are other options like boat tours and helicopter rides that will also allow you to reach Na’Pali without so much effort if you are not in the best physical condition to walk 11 miles or don’t have that much time to spare.

Hawaii Activity #8 Iao Valley

This cloud covered valley on the island of Maui provides a historical lesson for tourists because this flourishing valley was the home to the agricultural god, Lono, and during feast week the Hawaiians all joined together in the Iao Valley to honor Lono. You will be amazed at the shape of the valley and the general feeling you have of history when you visit this amazing place on Maui.

Hawaii Activity #9 Go Whale Watching

Whale watching can be a spectacular experience so you should definitely include this in your itinerary. There are whale watching tours that can be booked from Hawaii, Kauai, Oahu, or Maui. You should book in advance, however, because these tours can get filled up quickly and don’t happen year round!

Hawaii Activity #10 Luau

When people think of Hawaii the first thing that comes to their mind is the luau. As a result, when you visit the islands you absolutely must attend a Polynesian luau to top off your vacation. You will enjoy the food, music, dance, and sites of the luau and it will be an experience that will stay with you long after your vacation ends and you return to your real life.

When you visit the islands you will not have enough time to do all the amazing activities waiting for you. However, you should pick the ones you find most interesting and save the rest for subsequent vacations. When you visit Hawaii, you are sure to be enchanted and engaged.

Stephanie Coburn is the Marketing Director for Wailua Bay View, an oceanfront Kauai vacation rental. She has personally researched and experienced many of the activities and destinations graced with Hawaiian culture as described above.

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Buying and Selling Real Estate

Rabu, 12 Agustus 2009

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Sabtu, 08 Agustus 2009

Consolidate Student Loans and Shop Online
by: Nick Smith

If you run a home business, you know that budgets can be pretty tight. Saving money wherever possible can be the difference between the business that succeeds and the one that fails. This article represents a broad survey of things you can do, from consolidating your student loans to getting small business deals on supplies, that will help you spend less each month.

Next Time You’re Online, Buy Something

Billions of dollars are spent each year online. Rather than suggest that you hurry and move your business online, I’d like to suggest that you add some of your dollars and cents to those billions already spent. Companies who move operations online reduce their overhead costs and often pass on those savings to you. Computers, airplane tickets, even student loan consolidation, can be purchased or arranged online. It has been my experience that I can find almost everything I want online for less than I can find it anywhere else. Next time you’re thinking about biting the bullet and making that big purchase, spend a little time shopping around online and see if you can’t save a few dollars.

Consolidate Student Loans and Get Your House in Order

Chances are good that you’ve been out of school for a while, but don’t skip this paragraph. If you consolidate student loans or other financial obligations, you will typically save a great deal of money each month on your monthly payments. Running a home business often blurs the line between personal expenses and business operating costs – do yourself a favor and make sure you have your personal financial affairs taken care of before you find yourself overwhelmed with past obligations. The government might not have cared about your credit score when they gave you those student loans, but banks looking to give business loans are a whole different story. Making sure everything is taken care will keep financial doors open that, once they’re closed, are very difficult to reopen.

Score One for the Little Guy

Believe it not, most people want small businesses to succeed. There are a lot of people willing to give you a break on prices because you own a home business, but you might need to ask about it. Office supply retailers and computer distributors sometimes offer discount prices to registered small business owners. The savings are not always monumental, but even the smallest savings multiplied over a year or two start to add up to pretty substantial amounts. Shop around to see if the suppliers you use are willing to offer you a discount on supplies or equipment.

Do Without…For a While

I’m probably not the only person that drove a car that was older than I was during college, or who ate Ramen noodles more than once almost everyday. Don’t forget the lessons you learned while you were a poor college student – the same ability to make do with what you have can save you a lot of money in the long run. I had just graduated from college and I wanted to get a new computer to replace the older, though fully functional one I was using. This was before I took my own advice to consolidate student loans, so money was still pretty tight. I wanted to kick myself when I saw that the price on the computer I bought dropped $300 in three months. Some expenses are necessary and unavoidable. For everything else, look to see if you can manage with what you have for a while longer.

Don’t Do It Alone

Nobody likes data entry – it’s time consuming, boring, and time consuming. If you find yourself spending too much of your day punching numbers into spreadsheets, consider hiring someone or outsourcing it to another company. If you think that you can’t afford the part-time salary, do an inventory of your time and see if what you would pay someone is worth the amount of time you’ll be able to invest into the meatier matters of your business.

I know I’m risking sounding like your father giving you a lecture about money, but remember that a penny saved is a penny earned. A successful business minimizes costs while maximizing profits.


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Getting The Best Online College Education
by: Tawee Subsomboon

There has always been a lot of debate as to whether an online college education is as good as a traditional college education. The answer to this is quite simple; there are good institutions that offer an online college education and there are bad establishments that offer an online college education. So, you need to do your research in the same way when you are looking for the best place to pursue your online college education with as you would an offline course.

Of course you are not going to particularly bother finding out about the location of the colleges that offer an online college education because it really doesn’t matter. However, a lot of the other points that you would consider before attending a college should also be taken into consideration before you enrol with an organisation offering an online college education.

The growth in the numbers of people pursuing an online college education has led to increased competition amongst institutions to attract students. The best way to assess the credibility of a site advertising the best online college education is to ask about the accreditation of its courses. Accreditation means that a governing body for a particular field has endorsed the course and this is extremely important in helping you to decide who to trust with your online college education. If a course is not accredited then you need to find out why.

There may be a number of courses that have not yet received accreditation from an appropriate association or governing body but still offer a good online college education. For example, the establishment may have applied for accreditation but not yet been assessed, in which case you can actually check with the particular body that they are in the process of assessing the application for accreditation. Another reason may be that there is no appropriate body that the course can be accredited to. This is less likely but is, nevertheless, a valid reason and does not indicate that the course offered is not going to be worth taking to advance your online college education.

If, however, you find that the online college education institution has been refused accreditation they are likely to try to tell you that accreditation is not important. This is quite simply untrue. An online college education from a non-accredited institution is not going to be viewed as highly as one from an establishment that is accredited. Choose where you gain your online college education from with care to ensure that you are not wasting your time and money by having an almost worthless qualification.

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10 Tips for Successful Real Estate Property Investment

10 Tips for Successful Real Estate Property Investment
by: Rhiannon Williamson

Just because real estate prices seem to have hit a temporary ceiling in many countries around the world, that doesn’t mean that profits from property investments are hard to come by.

Even during a real estate market slowdown, stagnation or depression profits can be made locally and overseas. This article shows you the top ten tips that real estate investors apply to their property portfolio building strategy to ensure success from their investments.

1) Research the curve - the concept of a property market cycle existing is not myth it’s a fact and is generally accepted to be based on a price-income relationship. Check the recent historical price data for properties in the area of the country you’re considering purchasing in and try to determine the overall feel in the market for prices currently. Are prices rising, are prices falling or have they reached a peak. You need to know where the curve of the property market cycle is at in your preferred investment area.

2) Get ahead of the curve – as a basic rule of thumb, professional real estate property investors seek to buy ahead of the curve. If a market is rising they will try and target up and coming areas, areas that are close to locations that have peaked, areas close to locations experiencing redevelopment or investment. These areas will most likely become ‘the next big thing’ and those who by in before the trend will stand to make the most gains. As a market is stagnating or falling many successful investors target areas that enjoyed the best levels of growth, yields and profits very early on in the previous cycle because these areas will most likely be the first areas to become profitable as the cycle begins turning towards positive once more.

3) Know your market – who are you buying property for? Are you buying to let to young executives, purchasing for renovation to resell to a family market or purchasing jet to let real estate for short term rental to holiday makers? Think about your market before you make a purchase. Know what they look for in a property and ensure that is what you are going to be offering them

4) Think further afield – there are emerging real estate property markets around the world where countries’ economies are going from strength to strength, where a growing tourism sector is pushing up demand or where constitutional legislation has been or is about to be changed to allow for foreign freehold ownership of property for example. Look further afield than your own back yard for your next property investment and diversify that real estate portfolio for maximum success.

5) Purchase price – set yourself a budget that will realistically allow you to purchase what you’re looking for and profit from that purchase either through capital gains or rental yield.

6) Entry costs – research fees, charges and all expenses you will incur when you buy your property – they differ from country to country and sometimes even from state to state. In Turkey for example you should add on an additional 5% of the purchase price for all fees, in Spain you will need to factor in an average of 10% and in Germany fees and charges can be in excess of 20%. Know how much you will have to incur and factor this amount into your budget to avoid any nasty surprises and to ensure your investment can become profitable.

7) Capital growth potential – what factors point to the potential profitability of your real estate property investment? If you’re looking overseas at an emerging market, which economic or social indicators exist to suggest that property prices will increase? If you’re buying to let out are there any indications to suggest that demand for rental accommodation will remain strong, increase or even decline? Think about what you want to achieve from your investment and then research and find out whether your expectations are realistic.

8) Exit costs – if you will incur substantial capital gains taxation liability if you sell your property investment for profit, will that render the investment profitless? In Spain a foreign buyer can incur up to 35% capital gains tax, in Turkey on the other hand property sales are capital gains tax free if the underlying real estate has been owned for four or more years.

9) Profit margins – what levels of capital growth can you realistically gain on your property investment or how much rental income can you generate? Work out these facts and then work backwards towards your initial budget to work out your potential profit margins. At all times you have to keep the bigger picture in mind to ensure that your real estate investment has good potential for profit.

10) Think long term – unless you’re buying property off plan and intending to flip it for resale and profit before completion you should view real estate investment as a long term investment. Real estate is a slow to liquidate asset, cash tied up in property is not simple to free up. Take a long term approach to your property portfolio and give your assets time to increase in value before cashing them in for profit.

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Federal Student Loans

Rabu, 05 Agustus 2009

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Federal Student Loans versus Private Student Loans – which is best for me?

by: Vanessa McHooley

Federal Student Loans versus Private Student Loans – which is best for me?

You have gotten all the grants and scholarships you can, but you still need money for your education. It’s time to look at loans. But which is better – federal loans or private loans?

Federal loans

If you need to take out a loan to help pay for your education, you should always look at federal loans first. The largest source of education loans around, federal loans are long-term loans with low interest rates designed for students who need money for their educations. They have several benefits when compared to other borrowing options, including

  • Lower interest rates
  • Options to postpone payments
  • Longer repayment terms
  • Easier credit requirements

Eligibility for some of these loans, such as the Federal Perkins Loan and the Subsidized Federal Stafford Loan, are needs-based, while others are not. You will need to complete a FAFSA to apply for these loans.

The most common federal student loans are listed below:

Federal Perkins Loan

The Federal Perkins Loan is a low-interest loan available to students who have exceptional financial need, based on the information provided on their FAFSA. Undergraduates can borrow up to $4,000 per year, while graduate students can borrow up to $6,000 per year.

Federal Stafford Loan

The Federal Stafford Loan is available to undergraduates and graduate students. Loan amounts depend on a student’s year in school and whether they are financially dependent or independent. Your college’s financial aid office determines your eligibility.

Stafford loans can be subsidized or unsubsidized. Financial need determines which type a student is eligible for. Subsidized loans are based on financial need. The government pays the interest while the student is in school, in deferment, and in their grace period.

Unsubsidized loans are available to all students, regardless of income. The student is responsible for all interest.

Federal PLUS Loan

The Federal PLUS Loan (Parent Loan for Undergraduate Students) is a low-interest education loan for parents. Each year, parents can borrow up to the cost of attendance, minus other financial aid received (scholarships, grants, student loans, etc.).

The PLUS loan is not based on financial need. Qualified applicants must pass a credit check.

Private loans

Private loans are designed to supplement federal loan programs and are available from schools, banks, and education loan organizations. They are usually used to cover education costs that cannot be met by federal aid.

Terms for these loans vary according to the lender and your credit history. Keep these things in mind as you consider taking out a private loan:

  • Private loans have credit requirements, and you may need a co-signer
  • The lender determines the interest rates and fees, which may be affected by your credit score
  • Private loans may not offer deferment options
  • Private loan programs may offer borrower benefits, such as interest rate discounts or rebates

No matter what type of loan you take out, be conservative and borrow wisely! All loans have to be repaid, whether federal or private.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible.



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Get A College Education Online


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Get A College Education Online

by: Billy Strandon

Nowadays everybody wants to get ahead in his career. For this many try to improve their educational qualifications so that they can have better job prospects and get a better salary slip. But alas this is not an easy task once you start working. Taking time out from ones busy schedule to attend coaching through conventional college is almost out of the question. One simply cant's attend regular classes.

You may have heard about continuing education online on the internet but maybe you're not sure what is required or you may be confused about how online education may work for you.

If you are interested in getting a college education and are considering taking college courses online over the internet you should be sure to do your research and find out all you can about you potential digital institution of online learning.

You have to guard yourself against bogus institutes and universities which are available on the internet. Your first task is to sort out the worthy, credited, reputed and established online universities from the fake ones. You can do so by looking at the background of the universities and checking their past records. It is after all an investment being made for your future therefore care is important.

One sure shot way to pick an authentic online university is to look for the online version of your local or state university. In today's internet savvy world quite often you will find that your local college is offering a part or subset of a particular course online. Search hard and I am sure you will be able to find a full course online from a good state university that suits your requirements.

These different levels of further education via digital media offer something for everyone. No matter what you are looking for in the realm of higher education you will find at least some resources that help towards accomplishing your college aspirations through the internet

If you are an enthusiast for particular academic subjects without the need to log course hours toward the completion of a degree program, you may want to look at Open Courseware, a project of the Massachusetts Institute of Technology (M.I.T) that provides the entirety of many courses online for free to those out there with a thirst for knowledge but without the test scores or the financial ability to attend the prestigious institution itself.

Be very wary of online scams and fly by night operations on the internet as well when considering enrolling in online college. These so called "degree mills" offer little to no education and undeniably questionable "degrees" to their customers who in essence pay for fake degrees without having to put in any work. These can not only be an expensive mistake but can do irreparable damage to your reputation if you are caught trying to pass off one of these so-called degrees as the real McCoy.

Of course there are pros and cons to any situation. If you are careful and select well then you have a very good way of improving your qualifications through an online degree from an established university. These degrees are best suited to those who want to continue with their education while keeping on with their respective jobs.



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How to Cut Credit Card Debt

Minggu, 02 Agustus 2009

How to Cut Credit Card Debt
by: Richard Townsend
Most Americans have too much credit card debt. Duh, we've all heard that
before, right? Only now its gotten a bit personal... right again? You
personally have too much credit card debt and its about to drive you crazy.

Well there IS hope so don't file those bankruptcy papers just yet. One
major thing you have to keep in mind is your creditor is probably very
willing to work with you. Its in their best interest to have you making
some payment versus no payment. So here are a couple points to help you deal
with your credit card debt.

The first thing you have to do is simply contact your creditor and let them
know your situation. Ask for a lower interest rate or a repayment plan.
You might not have thought of it because you're just naturally so polite but
its a very good strategy to be courteous at all times when negotiating with
your creditor. Polite, but firm. Come across as one who knows what you're
asking for and expect to get it. If you're not sure what you're asking for
in the first place you might consider a reputable credit counseling service.
There's a lot of great, honest organizations out there whose mission is to
help you work things out with your creditors.

Next you've GOT to stop using your cards. Cut them up, freeze them in a tub
of water, whatever you need to do to get them out of your wallet or purse,
do it! You simply can't keep adding to the problem by running the debt up
any higher. This is actually one of the hardest parts of cutting your
credit card debt. Its like you're addicted to spending money you don't
have. So go cold turkey and drop the habit.

Start paying the ones with the highest interest rate first and work from
there. How do you do that? Concentrate on those high interest rate cards
by paying more than the minimum balance each month. The minimum is just
designed to keep you on the hook longer anyway. The credit card companies
are in this business to make a profit and want to have you paying them for
years to come. Even a little extra each month makes a big difference in the
long run.

Lastly, keep your chin up and have a good attitude. Millions of folks just
like you have begun to cut their credit card debt by following the common
sense steps outlined above. You can do it too. Good luck.

 
 
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