Wednesday, November 21, 2007 

VIDEO: A New Age of Information Exchange is at Hand

Just ask youtube.com if video will become a standard by which information exchange is measured! 5 years ago, I knew that once perfected, video would become the medium that we would reach out to one another. Not unlike the Jetsons videophone, video is making strides to become the standard in which we link up to one another. From silly parodies, to starwars kids, to idiotic jackasses, video is finding itself to be the way we share more of ourselves with everyone that does not know us.

The entire medium has been set up to adjoin us into a Level one society as noted Theoretical Physicist, Miccio Kaku refers to it. A level one society being a populous all adjoined by a common ground of communication (lets say English) in a web of technological connectivity. The advent of the internet and now bringing video so much to the forefront accomplishes yet another step in our evolution of becoming a race that will begin to reach outside of the proverbial fishbowl into other areas of our galaxy to advance our societyHOPEFULLY!

With this newly acquired power comes great responsibility. How we share information, what we say, and HOW we say it now comes to the forefront of communication for people all around the world. We can use this useful tool to unravel our society or bring it closer together in an effort to share information and knowledge. All too often do we use these great tools to undo our advancement and share stupidityjust ask every idiot out in our world that posts videos of themselves running through fences! Or, ask the morons who post and show cat-fights between junior high or high school girls!

Why dont we try to use this amazing medium to acquire and distribute all the knowledge we can and bring together the combined strengths of those persons that never had a voice before video to advance the barriers of understanding, intelligence, logic, sense, and feeling. We can be a great people if we choose to be. The people just need that light to shine the way. Take responsibility and be a light!

Phil Sottile is a noted expert in the area of Fitness Sciences and Sports Medicine. His use of instructional video has helped many people to acquire a level of knowledge in their fitness programs, delivering a personalized information exchange that leverages video in a manner that is seldom seen, as it attempts to help people find a portal to open minded information and points of view.

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Broadband - Your Questions Answered

Do you remember using the Internet back when you had to dial in using a modem? First you dialled, then you listened to screeching noises, and then, if you were lucky, you were connected at a snails pace. Worse, it was impractical to leave the connection on all the time, as it would drop out at random and have to redial every time you restarted the machine.

If youre unlucky enough to still be using dial-up Internet access, I feel for you. Why not come and join us in the age of broadband? Broadband is revolutionary, always-on, much faster Internet access, letting you download much larger files and use the Internet whenever you want, with no waiting. If youve been put off broadband because you think its expensive, think again the remaining dial-up ISPs like AOL are charging just as much for dial-up access as you would pay for broadband.

The biggest problem many new broadband users have, though, is confusion over what kind of broadband they should get. With that in mind, heres a basic rundown.

DSL broadband is the most common kind. It is broadband that works over a normal phone line, as long as the telephone exchange is DSL-enabled, and can be bought either from your existing phone provider or from a dedicated ISP.

Another common kind of broadband is cable. Instead of buying it from your phone supplier, you get it from your cable TV supplier, often as part of a package deal. If you already have cable, this can be a better option for you, as it is often cheaper and faster than DSL.

Finally, if youre stuck out in the middle of nowhere without a DSL-enabled line and with no local cable company, you should consider satellite broadband. Satellite broadband is a clever way of accessing the Internet using a normal dial-up connection to send things but a satellite to download them. While its not cheap and suffers in the speed stakes, it is much better than sticking with dial-up.

John Gibb is the owner of broadband information For more information on broadband please check out http://www.broadband-information-stop.info

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Painting your Garage Floor

What are the comparable differences between Epoxy-Coat Cycloaliphatic epoxy and other type of epoxies? The most important differences between floor coating epoxies are listed below:

A. Epoxy-Coat is a 100% solids epoxy. This is a term used to describe the volume solids in a coating system. It is what is left over after the product dries. 100% solids yields 100% dried material after the coating fully dries. 50% volume solids yield 50% of the thickness after the coating fully dries. Most epoxies are 30%-40% volume solids. If you wish to compare the thickness after dried application between Epoxy-Coat and normal epoxies you would need 2.5x the gallons to equal exactly the thickness of 1 gallon of Epoxy-Coat.

Epoxy-Coat is a Cycloaliphatic epoxy. What is a Cycloaliphatic epoxy? It is a type of epoxy. Just like there are types of automobiles that perform differently (and vary in costs) so do epoxies. Not all epoxies are the same. If you wish to apply a high performance floor coating you would want a 100% solids epoxy (to achieve a thickness suitable for proper aesthetics and durability), a high abrasion resistance, a product that would be resistant to yellowing or fading over time, high gloss, highly chemical resistant, impact resistant, 0 VOC's (Volatile Organic Compounds) for low odor and safety in application in odor and VOC sensitive environments. Most floor coating epoxies are not Cycloaliphatic 100% solids. They are the most expensive to manufacture. They can cost up to 4x the amount of other epoxies to manufacture. Epoxy-Coat is the same quality of epoxy as is used in the most demanding industrial / commercial floors. In fact approx. 60% of industrial / commercial floors use a less quality Aliphatic 100% solids epoxy in their applications.

25 years experience in floor coating

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A Do it Yourself Guide for Taking Care of Hard Wood Floors

With hundreds of dollars spent on the hardwood itself and other maintenance supplies, it can be costly to hire someone to take care of your floors. After all, we constantly struggle with expenses, especially when it comes to taking care of our homes. Luckily, with the proper amount of knowledge, you can easily maintain your wood flooring, without having to empty out your wallet. Laminate flooring is also very beneficial, as it withstands a lot more than hardwood. Below are tips on how to take care of your wood flooring, no matter what type you have.

The first thing you should do with your wood flooring is to dust at least once a week. With dust easily showing up on these floors, it is crucial to get rid of the dirt immediately. Although it may not look like it is on your solid oak flooring, the sunlight will reflect off of it. However, one must note that regular cleaning supplies will only damage solid oak and laminate flooring. It is important to find a product that is specially made for hardwood or laminate floors.

If you spill anything on your wood flooring, it is imperative to clean it up as soon as possible. This is because the substance will be more likely to stain your floor, if you ignore the situation. After all, wood flooring is very sensitive. Fortunately, if you use a soft cloth and wipe it up immediately, you will have no problem.

If you are going to put furniture on top of your flooring whether it be solid oak flooring or laminate flooring, it is vital to be careful at all times! With wood flooring, it becomes difficult to prevent scratching. Therefore, most home owners tend to stay away from metal furniture legs or anything that may ruin the floor. If you do have furniture that could scratch the surface, one should put cloths or a cover underneath the furnishing.

If you are uneasy about the thought of ruining your solid oak flooring, you should ask your guests to take off their shoes when they enter your home. This will easily prevent any scratching, since this happens frequently when shoes scuff the surface. Nevertheless, it is smart to put wood flooring in an area that isnt very populated. Most professionals will tell you to avoid putting solid oak flooring in your kitchen or den. Usually they are recommended for dining rooms and other less populated areas. Therefore, the less people that walk around on it, the prettier it will look.

While wood flooring is a great feature to have in any household, laminate flooring may actually allow you to not only keep it longer, but have an easier time maintaining it. This less expensive look actually withstands scratched and major spillage. It also keeps its shine and value a lot longer. Therefore, if someone is looking for an easy way out, laminate flooring may be much more convenient than hardwood flooring. After all, no one wants to spend hours a day on such a delicate surface.

Natalie Aranda writes on gardening and home improvement. The first thing you should do with your wood flooring is to dust at least once a week. With dust easily showing up on these floors, it is crucial to get rid of the dirt immediately. Although it may not look like it is on your oak wood flooring, the sunlight will reflect off of it. However, one must note that regular cleaning supplies will only damage solid oak and laminate flooring. It is important to find a product that is specially made for hardwood or laminate floors.

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Strange and Bizarre Tax Deductions

It was Albert Einstein who said physics was easy compared to trying to prepare his taxes. You probably feel the same way. The tax code is full of oddities, and here are a few that will make you roll your eyes.

The internal revenue code is thousands of pages long. Throw in the regulations interpreting the code, and you have a wall full of confusing books. To make things even scarier, you are assumed to both know the code and understand it. That should send chills down your back.

Over the years, the code has been modified so many times that nobody really knows it all. Various sections seem to completely contradict others. Some seem to say the exact opposite of others. While this is all frustrating, it is the bizarre little sections that make you wonder what is going on in Congress. Here are some examples of strange things you will find.

1. If you have a child, you usually get to claim more deductions. In our fractured society, however, the tax code is a mess when it comes to dealing with divorces. The question is basically which parent gets to claim what? There are all kinds of rules, but one of the stranger ones has to do withkidnapping.

If your child is kidnapped, you may get to claim the child tax credit and so on. Being a tax issue, there are some strange rules. For instance, the kidnapping cannot be by a family member! If your brother drags your child off to Canada, you get no deduction. You can read IRS publication 501 to figure it all out if you are insanely bored.

2. Jury Duty Nothing beat jury duty, eh? Sit for eight hours and get paid five or ten bucks. Well, some business owners are good members of society. They will pay you normal wages while you do your civic duty. If they do, you can claim a deduction if you pay them back your earnings from jury duty. Boy, I bet your boss is going to be happy as pie when you give him or her that $5! On the other hand, a deduction is a deduction.

3. Tax Benefits of Being Blind This one is an old favorite. The government is going to give you a break if you are blind. Just check the box on line 39A. Huh? You are BLIND! Obviously, the idea is you are having someone else do the tax return, but it is still pretty funny at first glance.

The above represents only a small sampling of the oddities found in the tax code. There are plenty other such as rules regarding issuing 1099s to fishing boat crews, but we have to stop somewhere. At least now you know that you are not alone wondering if the tax system makes any sense whatsoever. If you get frustrated, take comfort in the fact former President Jimmy Carter said the U.S. tax code was a crime against humanity!

Richard A. Chapo is with BusinessTaxRecovery.com - providing information on tax deductions.

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Downline Communication in Network Marketing

Maintaining communication with your downline is extremely important in Network Marketing or MLM, it can literally be the determining factor that differentiates a failing business, from a successful one. The number one mistake that novice network marketers make is not maintaining close communication with their downlines.

Even if you do something simple, like a personal email just saying hello every day can be what keeps your downline active. Network Marketing is above all a people business, and in order to be successful as a networker, you need to be networking. Daily emails, maybe a postcard, or a phone call every other week or so can go a very long ways with an individual. It also builds trust and relationship with the people in your downline. The more out of touch someone is with you, the more likely they are to move on to greener pastors.

Since Network Marketing is an industry in which we are constantly learning new things, and constantly discovering new ideas and marketing techniques to promote our business, the topics upon which you can discuss with your downline are nearly limitless. You can talk to them about what marketing tactics you have been using successfully, you can ask for their input, or share tools and resources. Building a business needs to be a team effort.

While communicating with your downline, you dont want to take the position of go to guy, while you want your downline to respect and listen to you, you also want these people to become leaders themselves. Communication with your downline should also promote leadership amongst those beneath you, insuring that your efforts in building business will be duplicated.

Inactive downlines happen for many reasons, but the most common reason is total lack of communication from upline members. A newcomer to the Network Marketing industry is likely to be overwhelmed with the amount of information they need to process in order to be able to effectively promote and be successful in this industry. It is the duty of the upline to make sure these people find the right tools, get the right training, and are able to perform in this industry.

Whatever marketing system you are using should be duplicated at nearly 100% with your downline. Whatever YOU are doing to build your business, your downline members should also be doing. People cannot be duplicated, but marketing systems can. When building business you have to understand this, and be able to communicate this truth to your downline. Duplicating marketing systems is another HUGE reason why you want to stay in contact with your downline, they need to be dong everything you are doing. Especially if you are highly successful and signing up members like crazy into your downline.

Shy individuals need to break their habit when coming into Network Marketing. You have to be able to talk to anyone and everyone about your business and opportunity, and constantly be promoting and looking to pull new members into your downline. Only through mass promotion do people find success in Network Marketing, and until your downline is able to duplicate this, you have to be able to hold their hand until they are ready. This requires communication.

Auto responders, automated follow up, and all these systems are great for assisting you in communicating with your downline. But nothing beats individual contact, if you can implement that into your business you will have amazing success. Duplicatible opportunity, Duplicatible Marketing System, and personal contact are the three ingredients a successful business needs in order to grow. If you follow these simple steps, your business will be a success.

Steven Lanier is an online marketer, and professional list builder. Steven has grown large downlines in several MLM's and is a top affiliate in many companies and opportunities. Visit his website here http://www.maxprofit.ws and get more information about him and his marketing techniques by visiting his blog http://www.maxprofitsblog.blogspot.com

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Home Loans For People With Bad Credit - Tips To Getting Approved Online

Buying a home with bad credit doesnt have to stop you from finding an affordable lender. By shopping online for a lender you can find the best lending rates for your situation. The following search tips will help you get started.

Gather Your Information

Before you begin searching for mortgage quotes, gather all your financial information ahead of time. A copy of your IRS tax form from last year will list most of the financial information you will need to enter.

If you are buying a home, know the homes price and how much you plan on putting down. Most mortgage lenders require at least 10% for people with poor credit, but 20% down will help you avoid private mortgage insurance, saving you hundreds a year.

Know Your Lender

Sub prime lenders specialize in high risk loans, particularly loans to people with bad credit. In order to cover this risk, sub prime lenders charge a couple of interest points higher than a traditional lender.

Most sub prime lenders will also require a down payment to ensure that they get at least something if they have to foreclose on the loan. However, legitimate sub prime lenders will not charge excessively high rates or fees, so read the details before you sign for a mortgage loan.

Compare Rates

Online mortgage rates can vary as much as 5% between lenders, which can add up to thousands over several years. Even half a percentage point will save you money, so compare several lenders before deciding on one.

Mortgage loan websites allow you to gather quotes from several lenders by having you enter your information once. This is a convenient way to compare rates since the quotes are all for the same loan amount with the same personal information.

Look For Fees

Mortgage rates are only part of the cost of a mortgage loan. You also need to add in the cost of points and fees to determine the total cost of the mortgage loan. Fees and points can be paid at the beginning of your loan or over the entire period of the loan.

Follow Through

Remember that a mortgage loan quote does not guarantee a loan rate a week later. Mortgage rates can vary daily, so once you find a good rate you need to lock it in by completing the loan process.

To view our list of recommended bad credit mortgage lenders online, visit this page: Recommended Bad Credit Mortgage Lenders Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

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Your Health Insurance Information Questions Answered

Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to s, helping to protect you from high medical care costs. Its an important aspect of life and it should not be overlooked just because you dont have proper knowledge of the topic and how to deal.

Health insurance is important in the event that you or any member of your family is ever sick or injured, get in an or fall ill, you can provide a financial cushion.

Its important to you and your family giving you peace of mind into the future whether its a quick visit to the doctor or a family medical emergency that you face. Today, most comprehensive private health insurance programs cover the cost of routine, preventive, and emergency health care procedures, and also most prescription .

Many people in the United States get a health insurance policy through their employers. Approximately 60% obtain health insurance through their place of employment or as individuals, and various government agencies provide health insurance to over 29% of Americans.

According the Centers for Medicare and Medicaid Services, nearly 100% of large firms offer health insurance to their employees. People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid. Your state, and every state in the nation, has a health insurance program for infants, children and teens.

You can also purchase health insurance on your own. If you do not have health insurance, you must pay your medical bills directly or rely on health care providers or organizations that donate care.

If you have a really tight budget youve got two options: look for cheap health insurance or reduce your health insurance rates by taking a higher deductible thats $1000 or higher. Dont be fooled by cheap health insurance plans that cover the little stuff but not the big stuff.

Before buying health insurance, a person typically fills out a comprehensive medical history form that asks whether the person smokes, how much the person weighs, whether the person has been treated for any of a long list of diseases and so on. Unhealthy people are more likely to purchase health insurance because they anticipate large medical bills. Or at least they desire to purchase it.

Unfortunately, if you pass on health insurance while youre healthy and then discover you have an illness or injury that requires extensive and expensive medical attention it will be too late. Thats like driving around without auto insurance and then getting in an and calling an insurer desiring to get coverage. Its too late and you must suffer the consequences of your earlier decision.

Its nice to be an optimist and believe all things are going to work out for the best, but what would you do if today everyones healthy and tomorrow theres an and there is no health insurance?

If your employer offers it, all it would have taken is for you to opt into your companys affordable health plan. Youll be thinking Its too bad I didnt opt in when my employer offered it.

Hospitals have an extraordinary ability to save life but without health insurance you could be medically saved but financially ruined.

Do your homework, shop around, and find the right health insurance for your needs.

For more detailed information on your options take a look at http://www.HealthInsuranceWellBeing.com/index.html , where you will find useful information to assist you in all aspects of health insurance. Browse through the extensive information resources on all major health-related insurance plans, including short-term, long-term, travel, international, dental, Medicare supplemental, student, family, individual, and group health insurance, complete health insurance information. Health Insurance Information

Jeff D Fenske owns and operates http://www.healthinsurancewellbeing.com Health Insurance

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5 Things The Bank Hopes You Never Find Out Regarding Home Financing

Most Bankers Hope You Never Find Out

1. HOW MUCH EQUITY DO YOU REALLY HAVE IN YOUR HOME? This is a closely guarded banker's secret. Truth is, you probably have more equity (value) in your home than you think. And different companies use different methods to determine how much you can borrow on your home. These days, there are even plans that allow "borrowing power" you have locked up in your home. I can determine that for you.

2. SECOND MORTGAGES ARE A BAD IDEA. Sometimes a second mortgage is a bad idea but sometimes it's a good idea -- it just depends on your particular circumstances. My job is to determine THE best way for you to use your home's value as the "crowbar" to pry open the financial prison doors and get you to the best possible financial place you can be.

3. REFINANCING IS TOO EXPENSIVE. Refinancing usually has some costs but is NEVER "expensive" when it saves you money. When refinancing slashes your interest rate and/or pays off other high-interest bills and/or lowers your total monthly bills, it is NOT "expensive".

4. CREDIT PROBLEMS STAND IN MY WAY. Many people think bad credits stays on their records for seven years. While that is technically true, there are good loan programs where only your most recent 12 months of credit behavior is considered. There are good plans even for people with past or even recent bankruptcies. There are "no income qualification" plans. Basically, if you are an employed or self-employed homeowner, we can bring you a home mortgage refinancing plan you can qualify for that is in your best interest, that will save you money, regardless of past or present credit problems. Of course, if you have good credit, so much the better. But you do not need to be trapped because of credit problems either.

5. "I DON'T WANT TO GO THROUGH A LOT OF EFFORT AND THEN GET TURNED DOWN". I know how unpleasant it is to deal with most banks and other lenders. So, let me make you three promises.

Promise #1: There is a refinancing plan that will "fit" you and your needs. We guarantee it -- or we'll treat you to a steak dinner. If my team of "super experts" can't bring you a mortgage that is in your best financial interest, that you understand and like and want and qualify for, I'll pay for you and your spouse to have a great steak dinner at a nice restaurant, as my apology for inconveniencing you. (Try to find a banker who'll do that.)

Promise #2: You will be treated well. We're a company managed by people with over 14 years experience in mortgage lending, and we are dedicated to treating you like a fellow human being (not an "account" or a number), with dignity, courtesy, understanding, and professionalism. We know that revealing personal and financial information to strangers is unpleasant and intimidating. We respect your privacy, and we are here to help you get from wherever you are to a much improved financial position. You will be treated as if you were a friend of the family. And you will get truly expert advice and assistance.

Promise #3: I have made this process as simple and streamlined as possible. In most cases, we're going to ask you for just three documents. Ask you less than ten questions, be able to do everything by phone, FAX or mail, and complete everything within ten days.

If this article was of any help to you and you would like to receive more information on home finance and the Do's and Don't of attaining a mortgage simply send me an email at mmtrevor@aol.com or visit my website http://www.ktloans.net

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Finding a Good Deal On a Magellan GPS

There are many brands of portable GPS receivers that people use, however Magellan GPS is one of the better known ones. Most people install GPS systems in their automobiles to assist with directions, monitor what their teenage kids are doing, or track their car in the event of a theft.

Some other reasons that people carry these portable GPS units would be to take hiking or hunting to prevent them from losing their directions. Regardless of the reason that you wish to utilize a Magellan GPS, you should do your research prior to shopping around for one that is at the right price with the right features.

Initial Considerations

Before you buy you a GPS system decide what features you need. Is it more significant to you that it be light or rugged? Is battery longevity a consideration? Is there a manufacturers guarantee in regards to the hardware itself? Additionally, the majority of GPS systems will require periodic software updates.

In other words, you will need to install updated maps onto your GPS receiver periodically. Also, the same as with any type of software, it will require some minor patches at times. Regardless of where you purchase it, learn about the type of tech support the dealers give you, and do a comparison for the prices when it comes to any monthly monitoring prior to making your choice.

Shopping in a Retail Outlet

The majority of stores, particularly outdoor and automotive stores have Magellan GPS systems in stock. If you have a store discount card or some other method of getting a better price, making your purchase this way may be the best method. Particularly when the holidays are near, you may find exceptional discounts in prices. Discounts on GPS prices can range from as little as $100 to as high as $1000. Keep in mind that you should use promotions that allow for a certain percentage discount instead of a set amount off for large ticket products.

On the Net

Shopping on the Internet has become very convenient nowadays, and you'll be able to easily see all the options and accessories that are available with a Magellan GPS system. However, you have to, of course be mindful when shopping on the Internet; you only want to go to sites that have a good reputation.

Sites that are reputable will have a phone number and physical address, a secure server for transactions with a credit card and will have decent reviews on sites like epinions.com. It is not wise to use a site until you have read positive reviews regarding it.

Magellan's company website would be the first place to look into. The home page has a list of current promotions. Regardless if you decide not to purchase a Magellan GPS from the manufacturer, you can get some good ideas in regards to the range of products available, the prices, and how often you will be required to update the software by going back to the site.

Korbin Newlyn is an expert in the field of electronics. If you would like to learn more go to Handheld GPS Units and at GPS Kits

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