10 Benefits of Branding
10 Benefits of Branding
By Judy Winslow
You may be wondering why Branding is so important to the success of your business. Consider the points below, to see how they would contribute to the growth and bottom line of your venture.
1. A sharp focus will be created this clarity will increase your overall effectiveness.
2. Your marketing activities will be more likely to attract the right prospects for your service.
3. Your business development plan will be aligned with your personal values for increased success, with reduced stress.
4. Core messages will be created that truly reflect the features, benefits and unique qualities of your product or service.
5. A clear consistent product & presence will instill confidence in your customers. You will naturally create a sense of reliability, and responsibility.
6. Gives your business a structure and plan, giving you the time to focus on other aspects of the business.
7. Brings order to your day, creating systems to take the stress out of your business activities.
8. Informs the culture of the business so everyone involved can easily support the business goals.
9. Allows for a strategy driven business that will increase revenue-generating systems.
10. A strong brand will establish you and your business as experts in your field.
If you need further convincing consider the businesses you admire and consider if they have a plan in place. I would bet that they do. Now consider, how might a strategy such as this drive your profits?
As a Coach/Consultant/Speaker with a strong focus on Branding, award winning graphic abilities, plus a marketing and business development background in both the corporate and entrepreneurial worlds,
Judy Winslow offers her clients a unique perspective. She is committed to assisting people worldwide in their personal and professional growth. Her result oriented processes have enabled companies of all sizes to grow and her diverse clientele ranges from Fortune 500 companies to start-ups seeking specialized branding and innovative communications strategies. All of her work is customized to fit the needs and vision of her clients to ensure their sound success. Contact her at BrightPointeInfo.com or 941-586-7440
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Paying Tax On Your Turkish Rental Income
Recent press reports, including a column in the Turkish daily Hurriyet, have warned of a crackdown on tax dodging landlords. Although the practice is widespread in Turkey, there has been a particular outcry about foreign owners renting properties ?informally? from their home country, usually via word-or-mouth, websites or the classifieds, and not paying tax on the income. There have been increasing demands for action from hoteliers in the coastal resorts, who see villa rentals as a growing source of competition.
A recent declaration by the Turkish Ministry of Finance also suggests that the tax authorities will be clamping down and may be targeting foreign-owned properties in the future. ?Every property owner must be registered with the tax authorities, at which time they become a tax payer even if they are not residing in Turkey,? explains solicitor Ayse Ozcan of Acacia International. ?Income tax on the rental from their property is one of the taxes and should not be ignored.?
However according to Janet Crawley of online rental agency Villa Renters Turkey, Most owners simply aren't aware of the rules, otherwise they would do things legitimately. There are also practical problems, like finding an English-speaking solicitor.
Rental income must be declared annually, along with any other personal income earned in Turkey, with hefty fines, and interest liable on back taxes, for landlords caught not doing so. Income tax rates are currently 15-35%, but there is a personal allowance of 2,200 YTL and you can claim up to 25% of the gross rental income back in expenses for maintenance and repairs. A Turkish accountant can prepare your accounts for you, with payment due every year in March.
Dominic Whiting is a journalist and publisher of the Buying in Property Guides. For more information about buying property in Turkey, newsletters or to order the books visit: www.buyinginguides.info
Progesterone Supplements
Progesterone Supplements
By Kevin Stith
Progesterone is a hormone produced by the ovaries that helps maintain a normal menstrual cycle. By preparing the lining of the uterus for implantation by the embryo, Progesterone also plays a critical role in maintaining the early weeks of a pregnancy. At approximately the eighth week of a normal pregnancy, the placenta takes over the role of producing Progesterone for the remainder of the pregnancy. Progesterone helps relax the muscles in the lining of the uterus, and also helps the breasts to develop in preparation for milk production after the birth of a baby.
Some women have ovaries that do not produce adequate Progesterone. These women may experience difficulty in conceiving, or in maintaining a pregnancy once conception occurs. For such women, Progesterone Supplements may be prescribed. When given after ovulation, Progesterone Supplements act on the lining of the uterus to make it thick and nutrient-rich in preparation for implantation of the embryo. Progesterone Supplements may also be prescribed in early pregnancy if a womans blood Progesterone levels are low or if she has a history of repeated miscarriages. Such supplements are typically prescribed for several weeks.
Progesterone Supplements may be taken by mouth, as injections, or as vaginal suppositories. While most oral Progesterone Supplements are capsules, there are some supplements called troches that are placed under the tongue to dissolve. Progesterone injections are usually given in the buttock area, and are reported by some women to be more painful and to cause more soreness than many other types of injections. A Progesterone suppository is inserted into the vagina. It may cause some leaking; this is normal and does not mean that Progesterone is not being absorbed. Progesterone Supplementation may cause some common but transient side effects such as nausea, tiredness and breast tenderness.
Progesterone provides detailed information about progesterone, natural progesterone, progesterone benefit, progesterone creams and more. Progesterone is the sister site of Colostrum Milk.
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Protect Yourself with a Home Inspection
Home inspection plays a very important role in the real estate process. When you are buying or selling a home, you rely on a home inspector to provide an accurate and reliable inspection of a property. A home inspector will tell you about the condition of the home and help you avoid buying a home that needs major repairs. It is the perfect way to get an in-depth and impartial opinion of your next home before you buy it.
What to Expect
Typically, you will hire a home inspector either immediately before an offer is made on a home or as a contingency to a sale. Additionally, home inspections are ideal if you want to evaluate your home's condition or diagnose potential problems before they become serious issues.
Home inspectors perform the following duties:
-Evaluate the physical condition of a property, including the structure, construction and mechanical systems.
-Identify the items that should be repaired or replaced.
-Estimate the remaining useful life of the major systems (such as electrical, plumbing, heating, air conditioning), equipment, structure, and finishes.
Although inspections are primarily visual, inspectors may use tape measures, survey instruments, metering devices, and other equipment, such as concrete strength measurers, to aid in their inspection. They keep a log of their work, take photographs, and file a formal report.
The inspection usually takes two or three hours (depending on the age and size of the home). You should be present so you can ask questions and learn about areas that need additional work. All of the findings will be presented in a formal report that details the condition of the home.
A Close Look
The main purpose of the home inspector is to provide an objective viewpoint on the condition of a specific home at the time of inspection. The inspector does not evaluate the cost or value of the property, but provides a close examination of the following:
Structural Components: Foundations, floors and walls.
Exterior Components: Siding paint, windows, decks, garage doors, etc.
Roofing: Coverings, flashings, chimneys, etc.
Plumbing: Piping, fixtures, faucets, water heating and fuel storage systems, etc.
Electrical: Wiring, main service panels, conductors, switches, receptacles, etc.
Heating: Equipment, safety controls, distribution systems, chimneys, etc.
Air Conditioning and Heat Pumps: Cooling and air-handling equipment, controls and ducting, etc.
Interior: Partitions, ceilings, floors, railings, doors and windows, etc.
Insulation and Ventilation: Attics, walls, floors, foundations, kitchen and bathrooms, etc.
They will additionally perform the following services (sometimes for an extra fee): mold sampling, radon testing, asbestos evaluation, pests/wood destroying organisms, carbon monoxide testing, lead testing, and more. These services are not always available.
Make sure to protect your investment. Get a home inspection before you buy your next home!
http://www.realestatelicense.com http://www.homeinspectioncourse.com
Heather Brunson is a lead marketing writer for Allied Schools. She has a B.A. in Journalism with an emphasis on public relations. She has additional experience in technical writing.
Bulgarian Market Slows But Prospects Good
New research from a leading British property investment firm suggests that property price increases in Bulgaria have slowed. The report by UK-based Assetz shows annual price rises dropped from a nationwide average of 36% in 2005 to 17.8% for the same period this year. The company partly attributed this to an over-supply of new properties in the most popular areas, such as the mountain resort of Bansko and Sunny Beach on the Black Sea coast, which have experienced an unprecedented building boom. Indeed, property consultants Colliers International report an amazing 152% jump in the number of new properties available in Bansko since June 2005, with 22,500 units in various stages of development in the coastal resorts.
Despite the slowing of price increases, and the end of dramatic over-night returns, investors continue to view Bulgarian property as a good long-term investment due to the country?s forthcoming entry into the EU and its growing popularity as a tourist destination. Investor confidence in the market was illustrated by the entry of several large international players, with Deutsche Bank recently announcing investments of ?65 million in two residential projects in Sofia, while the US-based real estate franchise Century 21 unveiled plans to open up to 70 offices in the country over the next two years.
Stuart Law, managing director of Assetz comments: Bulgaria is facing a period of readjustment after huge initial foreign investment. While longer-term investors are still set to benefit over the next five to ten years, as low cost property continues to attract holiday home buyers, there are no longer instant returns.
Dominic Whiting is a journalist and publisher of the Buying in Property Guides. www.buyinginguides.info
5 Easy Skin Care Tips to Help Control Acne
5 Easy Skin Care Tips to Help Control Acne
By William Wilson
Skin care is your first line of defense against acne and the effect it has on your skin. A myriad of medications, both over-the-counter and prescribed, can help with the blemishes and pimples associated with acne. However, a solid foundation of good skin care practices can be the difference between frequent blemish outbreaks and a more controlled and even skin appearance. Which do you prefer?
You may ask, How can I take better care of my skin when I have all of these blemishes to deal with? This is a commonly asked question and the reason why we developed these 5 easy skin care tips. They are intended to be an easy to follow routine, which will compliment any acne treatment regimen.
Following these 5 easy skin care tips will only take a few extra minutes each day and can make a dramatic difference in your skin appearance. And this is really what it's all about - improving your appearance and feeling better about yourself. Follow these tips and see if you don't notice the difference.
Gently Clean Your Face
Gentle is the key word here, as scrubbing the skin will only further irritate the acne. You should only use a gentle soap or skin cleaner made specifically for acne prone skin. Use a soft cloth to moisten the face and then apply the soap or cleaner gently to your skin, starting at the hairline and working your way down to your neck. Using your fingers, rather than a wash cloth, to work the soap around your face assures that you will not further irritate the acne.
Rinse your skin with plenty of water and pat dry with a soft towel. Again, do not scrub your face using the towel.
If you are prone to having oily skin, it may be necessary to apply an astringent to your skin. This should be done with care, as some astringents may irritate your acne. If you elect to use an astringent, it should only be applied to those areas of your face that are most oily. If you have concerns regarding the use of astringents, it's best to consult with your dermatologist.
Avoid Touching Your Blemishes
It can be very tempting, but don't give in to the urge to squeeze or pop pimples. What can seem like immediate gratification, can turn into something far worse. Breaking open a pustule or pimple invites bacterium to spread, causing even more pimples and blemishes. It can even result in permanent scarring.
A better solution is to just avoid touching your face altogether. Your hands tend to be dirty, oily and carry germs, which can all lead to the further spread of the acne. Just don't do it!
Apply Makeup Sparingly
Makeup has become a part of everyday grooming, but must be used carefully in combination with an acne skin condition. Of course, the best solution is to not wear makeup at all. But if you decide it is a ecessity, make sure that the product you use is noncomedogenic, or will not clog your pores. And lastly, never use a makeup that has an oil base, it can severely exacerbate your acne.
Shave with Care
Shaving is a normal part of male grooming, but can be a painful experience for those suffering from acne. Deciding which shaving method - safety razor versus electric shaver - is right for you is more of a trial and error process. Try both and see which is more comfortable for you.
Regardless of which you choose, there are a few recommendations that will make the shaving experience more pleasant. Try to moisten the beard as much as possible before shaving. If using a safety razor, try using a sensitive skin shaving cream. Never use dull razor blades; it will just irritate your acne. And don't forget to change the blades on a regular basis.
Try to avoid shaving over blemishes; this can cause problems with spreading the bacteria that causes the acne. If you are experiencing a bad breakout, don't be afraid to miss a day or two of shaving. There is no sense in aggravating the situation even more.
Avoid Direct Sunlight
We all know that a suntan makes us look healthier and can temporarily hide your acne. However, your skin becomes accustomed to the sunlight, and the acne ultimately flairs up again. A greater risk to you is that some acne medications make your skin sensitive to sunlight. This can cause a severe skin reaction from even limited sun exposure.
And as most dermatologists warn, direct sunlight will also dry out your skin, making it more vulnerable to aging and skin cancer. It just isn't worth it! Be safe and apply a generous amount of sensitive-skin sunscreen to your face before heading out for a day in the sun.
Bill Wilson suffered from acne for years and learned by experience, ways to minimize the effects of this frustrating skin condition. Try his 5 easy skin care tips to help control acne outbreaks and give you a more radiant complexion. For more useful tips visit: http://www.acne-support.com
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~Car Accident Insurance Claim~ Regarding Impacts And Injuries
~Car Accident Insurance Claim~ Regarding Impacts And Injuries
By Dan Baldyga
As of January 2003 it was determined that in the good ole US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Lets take a look at four of the most common of these gazillion impacts and the typical injuries they cause.
#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that are considered to be any collision that takes place at speeds under 10 MPH. While there is absolutely no justification to call it a Low Speed impact thats what the insurance industry loves to identify them as. Why ? Because a moniker like that is supposed to indicate that the, so-called impact, you were subjected to could not possibly have caused an injury.
Its true that when such a crash does take place theres often not a lot of damage done to the motor vehicle and yet, in most cases, people involved in these types of accidents more often than not suffer injuries - - neck injuries especially!
Although the insurance industry would like to have those making a claim think differently an injury can and absolutely does occur when a low impact collision takes place. The most common is identified as the Whiplash. This takes place when the occupants dont have the slightest idea about the impending collision so they cant brace themselves by forcing their back and/or neck against the seat or headrest. Because of this their body gets whipped and snapped about something fierce.
Automobile bumpers are built to withstand up to a 5 MPH crash without damage. This is not done to insure the safety of the occupant but rather to protect and limit the damage to the bumpers, keeping the cost of repair to a minimum. Many times vehicle to vehicle impacts can sustain an impact of 8 to 9 MPH before theres recognizable damage to the motor vehicle. However, when the bumper doesnt crumble and absorb the force of the impact, more of that crash is felt by the occupants. IMMEDIATE INJURIES: The individual thats been crashed into by another (even at only 5 MPH) is thrown forward with a severe jerking motion - - causing necks to snap and backs to twist. Because of this many Soft Tissue styled injuries take place, including multiple body bruises, plus chest and rib injuries. In most cases adjusters attempt to deny the possibility of injuries in a low speed impact but research substantiates just the opposite! Sure, the motor vehicle will show little damage but the velocity and accompanying force have to be transferred somewhere, and thats to those sitting in that vehicle. Cars are built to withstand such minor impacts - - the human body is not!
#2. FRONTAL COLLISIONS: In most frontal impacts the occupants can generally brace themselves because theyre usually aware of the collision theyre about to be subjected to. In Frontal Collisions the speed and weight of the vehicle play a role in the injuries of the occupant. (The more the vehicle crumbles at impact the less severe the injuries to the occupants. Many times airbags will deploy). In frontal impact collisions the speed and size of the vehicle determines the injuries that can take place. (And - - getting back to rear-end collisions for just a moment - - the striking vehicle not only undergoes a collapse, but transfers momentum to the car thats been struck by pushing it forward. The airbag may or may not explode. This depends upon the rigidity of the vehicle thats been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib and clavicle, arms and legs, concussions, soft tissue, internal, dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache, blurred vision, dizziness and loss of taste, smell or hearing. Also, difficulty breathing, blood in urine or stool, swelling, loss of motion and visualized bruising take place.
#3. SIDE IMPACT: Many times the occupants head will hit the side window and bounce off of it. There are no air bags nor bumpers, engines, etc., to help protect ones body or absorb the force of the impact. IMMEDIATE INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes and bruises. 48 to 72 hours later: Pain, headache, blurred vision, dizziness, loss of taste, smell or hearing, numbness or tingling (and basically the same as those listed above) so, at the risk of being repetitious but because its so important, I must say once again: Its of major importance that the individual exposed to impact - - no matter how slight it may seem to have been - - should immediately be examined by a medical professional.
#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious. The most common factors in single vehicle accidents are approaching a curve at too high a speed, leaving the pavement or highway, or over-correcting the steering wheel - - particularly in vehicles with a short wheel base. The severity of injuries to the occupants generally depends on the beginning velocity of speed, the number of rolls, condition of the vehicle, and what your motor vehicle rolled through, over and into! Damage to the vehicle is generally extensive. It has been determined that 60% of the economic costs from roll-overs resulted from occupant ejection, and that the initial roll-over speed was between 40 to 60 MPH. (A recent study reported that restrained occupants showed a higher proportion of neck injuries than the unrestrained).
IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.
*******************
The bottom line (to all 4 of the above) is that in all motor vehicle accidents - - no matter how minor the damage its of the greatest importance that each and every individual immediately visit a medical professional for a physical examination and/or consultation. So, should you find yourself at the scene of an accident and somebody asks if you think they should see a doctor, your answer should always be, ABSOLUTELY ! Stare straight into their eyeballs and tell them, Its your body. Theres only one to a customer. You should do whatever you can to take care of it and protect it.
DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING IMPACTS AND INJURIES is intended for background information only. Its purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any guarantee of any kind whatsoever NOR purports to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. where such professional help is desired IT IS THE INDIVIDUAL RESPONSIBILITY TO OBTAIN IT.
Dan Baldygas third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at: http://www.autoaccidentclaims.com. This book reveals How To successfully handle your motor vehicle accident claim, so you wont be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury.
Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733 0127 FAX: (413) 731 8358
Mail to: mailto:dbpaw@attbi.com
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)
Found on the internet at: http://www.autoaccidentclaims.com
About The Author
For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retried and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.
dbpaw@attbi.com
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Mortgage Mates Property Pals And Home Buying Friends
At some point we've all played the ?wouldn't it be nice to live there? game, where we press our noses up to the estate agents window like hungry children eyeing up the cakes in a bakery, wishing we could afford the homes that are way too expensive for us. We all have aspirations far beyond our wallets from time to time, but more and more first time buyers are finding that they simply cannot afford to buy anywhere as property prices in the UK have rocketed to such levels that the first step onto the ladder has begun to look more like an impossible leap.
Now a new breed of buyer has begun to emerge, or maybe I should say ?evolve?, because that?s what happens when nature finds a way around a problem, who have decided to tackle the issue of affordability head on, they are the co-buyers. If you?ve not been near your TV, radio or favorite newspaper recently you?d be excused for not having heard of this home buying movement. Put simply, co-buying is where two or more people buy a property together to join funds, divide of all the costs, and afford to buy years sooner than they could have done alone. Nothing new there, as friends and family have been doing that for an age now, what is new is the rise in the popularity of searching for your ideal mortgage mate on the internet.
Richard Cohn, Founding Director of Shared Spaces Limited, introduced us to the concept of co-buying with www.sharedspaces.co.uk, launched in December 2005. He explains, ?I flat shared for years before buying, and made some great friends along the way, and it was during this time that I came to the conclusion that was to lead to the creation of SharedSpaces. If you can flat-share with complete strangers with great success, why can?t people take it to the next level and buy together??
Of course there is more to it than just that because buying is a far bigger financial commitment than renting, but Cohn suggests that with the correct legal framework (a document called a ?Deed of Trust? that costs only a few hundred pounds from any solicitor that protects your legal rights and provides a roadmap for the relationship), mortgage payment protection insurance (to protect you and your co-owners from hardship should you loose your jobs or are unable to work due to illness), and time (as much time as you need to get to know your potential co-buyer well enough to call them a friend or a business partner in the process), there is no reason why you cannot have a successful co-buying experience.
SharedSpaces.co.uk has over 2,500 registered members across the UK looking for someone else to buy a property with, joined by a common goal, to fight the affordability gap. Whether you are a key worker or a city high flyer if you?re looking for a mortgage mate, a property pal or a future friend to buy your first home with there seems to be plenty of people to choose from. I don?t know whether co-buying solves the long term problem of property prices rising faster than salaries, but it sure does seem to offer an option for those who have been left behind.
~The Base Formula~ A Settlement Example
~The Base Formula~ A Settlement Example
By Daniel Baldyga
~THE BASE FORMULA ~
A SETTLEMENT EXAMPLE
Because Ive received so many contacts, and questions, regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula) from the readers of the sensational EzineArticles.com Ive decided to provide you-all with insights (via a Settlement Example) regarding THE BASE FORMULA.
OKAY, SO HERE WE GO: Its 10:00 AM on a clear, dry day. Youre operating your motor vehicle north on Main Street in your home town. Youre 62 years old and the assistant manager of a local video store.
Fred Fuddle is a chronically unemployed local with a reputation for being a loud-mouth degenerate who has a string of convictions for drunken, disorderly conduct.
Fuddle is driving his dilapidated van at a high rate of speed, proceeding East on Elm Street. As you approach the intersection of Main and Elm you have a green light. You proceed through, perking along under the posted speed limit. Too late, Fuddle realizes he has a red light. He hits his brakes, leaving 70 feet of skid marks behind him as he flies into the intersection. The front of his van strikes your left rear with a mighty crash. Your arm hits the steering wheel and the $300.00 watch your spouse gave you for your last birthday is smashed. The Property Damage to your motor vehicle will be determined to be $1,700.
The police investigate at the scene. Fuddle is charged with dangerous driving: You note that this is written up in the Police Report. The ambulance takes you to the Angel Of Mercy Hospital Emergency Room, where youre x-rayed and treated. Diagnosis: A mild to severe strain to the cervical-dorsal area which is known as a Whiplash-Type of injury.
Youre eventually treated by your family physician, Ole Doc Comfort. (You later ask for and receive copies of all medical reports from the Angel Of Mercy and also from Doc Comfort).
As soon as possible, after the impact, you asked you son Chip to return to the scene of the accident and he snapped a dozen close-up photos of the skid marks plus the damages to your motor vehicle and then Fuddles van. Chip very wisely visits the police station where he purchases a copy of the report that the Cruiser Patrolmen wrote at the scene.
YOUR FINAL SPECIAL DAMAGES ARE AS FOLLOWS: Ambulance, Emergency Room, X-Rays, Prescription for pain, Heating Pad, Dr. Comforts bill, plus your Lost Wages. THE FINAL TOTAL OF YOUR SPECIAL DAMAGES COMES TO: $1,831.15.
PROPERTY DAMAGES: Cost to repair your (car - motor vehicle) $1,750.00 plus the provable replacement of your wrist watch $300.00. TOTAL PROPERTY DAMAGE LOSS: $2,050.00.
Using the Formula (as detailed by BASE which is found in my book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM) you determine that the value of your Personal Injury claim falls into the 4 areas provided by THE BASE FORMULA and (in your particular situation) they are: THE PREMIUM VALUE $7,324.60, THE MEAN VALUE $6,408.02 THE CORE VALUE $5,493.00 and a LOW VALUE $3,680.00.
Your case has a number of positive factors that fall on your side of the evaluation ledger, such as: #1. Fred Fuddle is far from being a model citizen. #2. He was driving his vehicle much too fast, as evidenced by the skid marks Chip capture on film. #3. The police cited Fuddle for operating his van in a dangerous manner, as proved by the copy of the Police Report you now have in your possession.
Ole Doc Comforts report (which you have a copy of) indicates you sustained a Whiplash-Type injury to the cervical-dorsal area. Following Doc Comforts instructions (as written into his report) you purchased a heating pad (a copy of the bill you have for proof) which you used for 5 days to help relieve your Pain and Suffering. In addition to the hospital bills, youve also kept copies of the pain killer prescription drugs that Doc Comfort insisted you must take.
Now, enough time has passed for you to sit down with Insurance Adjuster I. M. Smart of GRANITE MOUNTAIN INSURANCE CORPORATION. Smart knows the potential of your developing more physical problems (which can be tied into the accident) is much greater because of your age. No matter which way Smart would like to slice your cake hes aware that you went through a ton of inconvenience plus a solid period of Pain and Suffering which has been sustained within the confines of Doc Comforts written report.
As detailed in THE BASE FORMULA your Personal Injury claim positions itself in the area of THE PREMIUM VALUE. You must aim for a settlement as close to this figure as possible. PLUS the $1,750 Property Damage of your motor vehicle and also the $300 to replace your new wristwatch.
How one can and must proceed to do this (plus THE BASE FORMULA) is detailed in my third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com.
DISCLAIMER: The only purpose of this article ~ THE BASE FORMULA ~ A SETTLEMENT EXAMPLE is to help readers understand the motor vehicle accident claim process.
Dan Baldyga makes no guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBILITY to obtain such services.
About The Author:
Dan Baldyga worked for over 30 years as an insurance adjuster, supervisor, manager and trial assistant. Since his retirement he has written 3 highly successful How To Insurance Claim books. He now spends his time attempting to assist those involved in motor vehicle accident claims, so they will not be taken advantage of.
Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved.
Dan Baldyga - Author
dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
http://www.autoaccidentclaims.com
For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of. Mail to:dbpaw@comcast.net
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The American Heart Association Recommend Against the Use of Isoflavone Supplements
The American Heart Association Recommend Against the Use of Isoflavone Supplements
By Valerian D.
In 1999, the US Food and Drug Administration approved labeling of soy protein as effective against coronary heart disease. The conclusion to recommend the health benefits of soy was based on information that at least 25 g/day of soy protein had been demonstrated to reduce LDL and total cholesterol. The suggestion was that the intake of 6.25 of soy protein per serving 4 times daily would achieve this condition. The same FDA statement reminded that soy isoflavones were not founded to be critical for the cholesterol-lowering benefits of soy protein.
Since this FDA report, there has been a significant amount of research targeting the health effects of both soy isoflavones and protein.
Based on reviews of 22 randomized trials comparing use of isolated soy proteins with other proteins, the American Heart Association (AHA) nutrition committee recently concluded in a report published in the 2005, January 17 Rapid Access issue of Circulation, that there is not a benefit from soy. By consequence, AHA does not recommend isoflavone supplements in food or pills.
The AHA nutrition committee reveals that from 22 total reviewed studies, in 19 studies there was no evidence regarding effect on LDL cholesterol or on other lipid risk factors. The panel also noted no demonstrated positive effect on vasomotor symptoms of menopause or related to slowing postmenopausal bone loss. Similarly, there is insufficient evidence to recommend soy isoflavones for prevention or treatment of breast, endometrial or prostate cancer.
However, the study authors recommend consumption of foods containing soy, as they generally have high contents of polyunsaturated fats, fiber, and vitamins.
Valerian D is a freelance writer interested in health issues that requires a social concern and a special medical attention.
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Property Renovations: Part 2 More Focus Areas
In Part One of our discussion, we focused on several aspects of home renovation that are important for success in your investment. Last time, we focused on more of the smaller details - the garden, repairing and touching-up minor damages, fences, etc. Now, we should focus on some of the more noticeable areas of property renovations.
It?s very important to check for any electrical or plumbing problems before you start doing any painting on the interior of the home. This way, you won?t run into any problems down the road with re-painting if any damage occurs.
Painting your interior is important stuff - you?d be surprised at the degree that paint affects the selling price. The key is to do your math first; if you feel like painting yourself would save enough money and could be in done in an adequate amount of time, you should use the do-it-yourself approach. However, if you are inexperienced and are unable to devote enough time and effort into the project, letting a professional do the job is probably the safest route.
When approaching the paint job, keep in mind the K.I.S.S. principle: Keep It Simple, Stupid! Don?t let your personal preferences affect the way you go about your property renovations. The following are some basic painting rules you should follow:
1. Always prepare surfaces prior to painting. Be sure to wash down walls, and repair any cracks or holes, and sand, where needed. Bathrooms and kitchens are the most susceptible to grime and mold, so pay close attention.
2. Use one color. It saves you time and money. Gloss paint usually appears darker, providing slight contrast. The condition of the trims should determine the use of gloss or semi-gloss. Remember, as well, that gloss tends to highlight imperfections.
3. Make a trip to the paint store and browse the newest colors. Feature walls are an effective way to add some pizzazz to your paint job. Dark, small rooms and dark paint do not mix; this only enhances the problem.
4. If there are darker colors or wall stains, you should use a special sealer. If you don?t, and you apply extra coats of paint, the walls will remain stained.
5. Wallpaper trims often add a nice touch, so apply when needed.
The kitchen, for many homeowners, is the center of attention. Kitchen remodeling, however, can get pricey, so you may want to stick to changing minor features on the property. Renovations such as new bench tops, repainted cabinet doors, and new wall tiles are all simple fixes. New door handles, faucets, and wallpaper trims are all low-cost solutions, as well.
Sometimes a quick facelift isn?t enough. On some occasions, a kitchen may need to be fully replaced. If this happens, remember the K.I.S.S. approach, and don?t go overboard. Many suppliers offer kitchen kits which are ready to assemble; these can help save loads of time if you come across them. Keep the kitchen light and bright, with cheerful curtains.
Make sure all appliances are in working order, and only replace if it is unavoidable. Install a durable floor, and test all faucets, to ensure that water pressure is adequate. If you run across second-hand items in good condition, make use of them.
Everything you just read is very important to property renovations, but we are finished here, yet. In the third installment, we?ll discuss even more tips that can help you achieve success.
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Causes of Acne
Causes of Acne
By David Chandler
Acne is an inflammatory skin disease that is caused due to certain biological variations in the pilosebaseous units (skin structures consisting of a hair follicle and its connecting sebaceous gland) of the skin. The most common form of acne known as acne vulgaris usually appears during adolescence.
Acne is caused due to excessive oil in human body. The glands in the skin secrete excessive amount of oil that block the hair follicles by combining naturally with the dead skin cells. Generally, people who eat a lot of oily food suffer from this problem.
Due to acne some parts of the human body are affected. Some of them are face, arms etc. The oil secretions behind the blocked pores create a perfect environment for uncontrolled multiplication by the bacteria in the skin. In response, the skin inflames, producing the visible lesion (acne). Rashes are occurred on the body. The face, upper arms, back and chest are especially affected by acne.
The certain lesions of acne are: blackish elevations or pale yellow and/or small whitish bumps. More inflamed rashes take the shape of boil-like tender swellings or reddish bumps. After resolution of the blemishes, prominent unsightly acne scars may remain.
The acne condition is common in puberty as a result of an abnormal response to normal levels of the male hormone testosterone. Acne occurs when the hormones are increased due to excess oil in the body. There is however no way to predict how long acne will take to disappear completely or that it will ever recur again.
Acne affects a large percentage of humans at some stage in life. Apart from leaving behind the marks of scars it has some psychological effects as well causing stress and depression. Therefore acne should not be neglected and should be treated with great care and responsibility to ensure a healthy life.
For more information about acne, click on Acne Treatment
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Zucchini: A Power House of Nutrition
Zucchini: A Power House of Nutrition
By Gwen Stewart
Dating back to 7000 B. C., zucchini (Cucurbita pepo) is native to Central and South America. Sometimes called by the nickname Italian Squash, zucchini was brought to North America by its southern neighbours. Early European explorers introduced zucchini to Italy and other countries in Europe. Italians initially grew zucchini for their sweet, edible blossoms, later the hearty fruits were experimented with producing the delectable dishes that resulted in zucchini being dubbed Italian squash. Up until the 20th Century, most Americans considered zucchini a treat reserved for eating on special occasions and were store-bought instead of grown in gardens.
Part of the summer squash family, zucchini is an excellent source of manganese and vitamin C, a very good source of magnesium, vitamin A, potassium, calcium, iron, folate, copper, riboflavin, niacin, and phosphorous. Many of the nutrients have been shown to be helpful for the prevention of atherosclerosis and diabetic heart disease. Summer squashs magnesium has been shown to be helpful for reducing the risk of heart attack and stroke. Together with the potassium in summer squash, magnesium is also helpful for reducing high blood pressure. All summer squash are perfect diet foods - low in calories, sodium, fat-free, and provide a source of fiber. All parts of the zucchini are edible.
How To Grow
Zucchini is probably the best known of the summer squashes. It is a type of narrow squash that resembles a cucumber in size and shape. It has smooth, thin skin that is either yellow or green in colour and can be striped or speckled. Its tender flesh is creamy white in colour and features numerous seeds. Its edible flowers are often used in French and Italian cooking.
Zucchini can be planted by direct seeding or by transplanting young plants that have been started indoors. Seed directly into the ground as soon as the soil reaches temperatures of 60F/16C. for vines. Fill the holes with compost and mound slightly. Plant seeds 1in/2.5cm deep.
Zucchini is a member of the Cucurbitaceae family that includes cucumbers, melons, gourds, and squash, all particularly sensitive to frost. Select a sheltered spot, and prepare holes about 12in/30cm in diameter and 12in/30cm deep. Measuring from the centre, space the holes 36in/90cm apart for bush types, 6ft/1.8m apart for vines. To conserve space, squash can be trained over a sturdy trellis, in which case 2ft/60cm between plants is enough.
Zucchini grows best when exposed to 6-8 hours of direct sunlight each day. Regular watering is essential for summer squash. Feed the plants with a high-potassium organic liquid feed to produce a higher yield. Thick mulch added after planting will preserve moisture and keep the fruits from touching the ground where they will become soiled and be exposed to insects and diseases.
Harvesting
The flavor of zucchini is best when it is less than six inches long. They should be firm, but not hard. Zucchini are prolific producers and regular harvesting will promote continued yield throughout the growing season. Harvest by cutting the stems from the plants gently with a paring knife. As they are composed mainly of water, summer squashes dehydrate rapidly. Harvest just before cooking and keep in the refrigerator in a perforated plastic bag until cooking. Dont forget that squash blossoms are delicious to eat.
Small summer squashes are used skin and all. Larger squash need their skin and seeds removed: slice lengthwise and scoop out the seeds with a spoon. Wash summer squash under cool running water and then cut off both ends. You can then proceed to cut it into the desired size and shape for the particular recipe.
In the kitchen, zucchini can be steamed, sauted, boiled, baked, fried, grilled, and stuffed. Some ideas include: serve raw as an appetiser with a vegetable dip or salad dressing, grate and saut with thinly sliced garlic, add to breads, muffins, cakes, stews, casseroles, soups, sprinkle grated zucchini or other summer squash on salads or sandwiches. It can be preserved by canning, freezing, and drying.
In the garden, some gardeners let the squashes ramble through the corn patch, where their sandpapery leaves deter raccoons. Good companion plants for zucchini are: corn, marjoram, and nasturtium. Dont grow zucchini and Irish potatoes together as they are incompatible.
Gwen Nyhus Stewart, B.S.W., M.G., H.T., is an educator, freelance writer, garden consultant, and author of the book The Healing Garden: A Place Of Peace Gardening For The Soil, Gardening For The Soul and booklet Non-toxic Alternatives For Everyday Cleaning And Gardening Chores. She owns the website Gwens Healing Garden where you will find lots of free information about gardening for the soil and gardening for the soul. To find out more about the book and subscribe to her free Newsletter visit http://www.gwenshealinggarden.ca. Gwen Nyhus Stewart 2004 2006. All rights reserved.
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4 Things All Articles Should Have
4 Things All Articles Should Have
By Jo Han Mok
Articles on websites are of great important as they dictate how successful the website would be and how much traffic it gets. Thus becoming a key element in making a site work and its profitability.
A website owner must have the good sense to only include articles in his or her site that will work for them and earn them the many benefits articles can give to their site.
Articles have been known to be the driving force in driving traffic to a website.
Articles are a factor in giving a site higher ranking in search result pages. The higher a site ranks the bigger slice of the traffic flow pie it gets. With the surge of traffic, there are more leads and more potential for profit.
However, it is not just about flooding your site with articles; they must meet certain requirements as well. These requirements must be met to obtain the maximum benefits an article will provide for your site.
A well written article will interest and intrigue your customers and entice them to come back for more. Chances are they might even recommend your site to others.
Here are four things all articles must have to make it successful and helpful in making your site a profit earning and traffic overflowing site.
1. Good Article Content
An article must contain useful and helpful information. Articles must also be readable, and written well with correct spelling and good grammar. Your aricles must be good and well thought out in order to gain credibility for yourself.
A good and well written article will also boost your reputation as an expert in your chosen field or topic. As more people believe in you. They will be able to trust you and your products.
2. Keywords and Keyword Phrases.
An article must always be centered on the keywords and keyword phrases. Visitors who arrive at a site actually looking for specific information usually arrive at the site through their searches via a search engine. They usually type in the keywords they are looking for (e.g. Golf, Marketing, Pets and Etcetera) into searches engines to get links to websites with the information they are looking for.
It is important that you have an article that has the keywords that are related to your site. For example, if you maintain an auto parts site, you must be able to have articles about cars and their parts. There are many tools in the internet that provides service in helping a webmaster out in determining what keywords and keyword phrases are most sought out. You can use this tool to determine what keywords to use and write about.
3. Keyword Density
When you have your keywords and keyword phrases, you must use them fully. An article must have good keyword density for a search engine to feel its presence. Articles should at least have ten to fifteen percent of keyword density in their content for search engines to rank a site high in their search results. Getting a high rank is what articles do best for a site.
Keyword density is the number of times a keyword or keyword phrase is used on an article. The number varies depending on the number of words used in an article. An effective article must have a keyword density that is not too high or too low. With a very high density, the essence of the article is lost and may turn off a reader as well as the search engines.
4. Linking
If you are going to submit articles to ezines or contribute your articles to newsletters and other sites, always include a link to your site. A little resource box with a brief description of your site placed right after your articles that you have submitted. If people like your articles, they will most likely click on the link directing them to your site.
Jo Han Mok is a frequent guest and featured speaker at Internet Marketing bootcamps and conferences on subjects such as copywriting and Joint Venture Marketing. Visit his website to find out how he can help you turn mere words into cash!http://www.MasterWordsmith.com
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Buying Articles from Someone Else? Why You Still Need to Write Your Own
Buying Articles from Someone Else? Why You Still Need to Write Your Own
By Denise Willms
There is a time and a place for just about anything. That includes articles you dont write yourself.
With high quality Private Label Rights (PLR) articles, affordable ghostwriters, and even software that can write articles for you, why bother writing your own articles and web content? The articles you buy have the exact words and content you need and, after all, you do own the rights.
But there is one very important thing these articles cant do. They cant BE you. PLR articles, though they may be well written, arent going to tell your reader anything about who you are. Even a ghostwriter, unless you have a very good ghostwriter and youve given him or her good notes to work from, cant sound like you. Computer generated articles are occasionally written in proper English, but they cant show your personality.
One of the most important things your articles can do for you is help your audience get to know you. As your reader, I want to see your personality, hear your opinions, understand what you think. Even if I disagree sometimes, I really do want to know who you are.
Someone once told me that writing is the closest thing there is to true telepathy. You, the writer, have an idea you want to share. You put your thoughts into writing. When others read your article, theyll read the exact words you were thinking. Even if its not telepathy, your writing still has amazing potential to build a connection between you and your reader.
Some of the most successful writers, on the web and off, write just the way they talk. Readers love to hear the authors unique voice come through their written words. It makes the article interesting and it helps the reader make a connection with the writer.
And that leads me to why its so important to show who you are through your articles. On the Internet, where trust is always a concern, your writing helps us get to know you and learn that we can trust you.
There may be a place for PLR and ghostwritten articles in your business, but dont rely on them alone. Take some time to share yourself with your audience through your own articles too. The rewards are long lasting and well worth your while.
Denise Willms is co-owner of WAHM-Articles.com and author of the eBook, Uncovering the Secrets of WAHM Article Marketing.
Visit http://www.wahm-articles.com to get your free copy and to submit your own WAHM articles.
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ZurichA Quick Travel Guide
Zurich-A Quick Travel Guide
By Dara Ward
Zurich is the largest city in Switzerland. This picturesque city rests on the banks of the Limmat River and Lake Zurich, and it is nestled in a truly beautiful hilly woodland. The city is home to a population of 366,809 inhabitants (this rises to around 1 million if you take the greater metropolitan area into consideration) and contrary to popular belief it is not the capital of the country (that is, in fact, Bern). It is, however, the countrys main commercial area (its low tax rate has long attracted companies from all over the world to headquarter in it) and is considered a world city ranking it alongside cities such as London, Paris, New York and Tokyo.
Located in the north of Switzerland, Zurich is a popular destination for tourists and it boasts an abundance of attractions to suit all tastes. The city boasts its own Internalional airport in the Zurich International Airport, which is the largest and busiest in the country and makes travelling to the city from abroad easy. The airport is just a quarter of an hour from the city centre and is ably serviced by rail and bus. The city has a very reliable public transport system that makes travel around Zurich extremely manageable and day passes for all bus and rail services are very affordable.
The city has a long history with the arts and boasts many museums, galleries, operas and theatres. For those looking for nightlife, Zurich has something to cater to everyones tastes. Each year it plays host to The Street Parade, one of the worlds largest outdoor techno parties attracting around a million people each August. The city is renowned for its many bars, pubs and clubs, and is also home to many fine cafes, restaurants, cinemas and leisure facilities. It really is a city with something to offer everyones tastes.
Dara Ward runs over 150 travel related sites. These include Hotels in Zurich and Hotels in Edinburgh He is recognised as a leading travel website marketeer.
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Prescription Medications for Acne
Prescription Medications for Acne
By Jack Smith
Why should you visit a dermatologist?
With the host of over-the-counter medications available, it can be quite a frustrating experience and long drawn process finding the right medication that suits your particular type of acne and skin. The easier and most often desirable option would be to contact a dermatologist, a medically trained professional who specializes in treating skin conditions, to help you sort the options and customize an acne treatment that specifically tackles your exclusive case.
Types of Prescription Treatments
Prescription treatments include oral medications and topical treatments. In the oral type of medications you could be advised to have antibiotics or contraceptives. You might also be prescribed a topical antimicrobial or retinoid to be used in conjunction with the oral medication or separately.
Oral Antibiotics
Antibiotics help to kill the bacteria that are in the blocked skin pore. They are usually prescribed for a more severe case, although sometimes a person suffering from moderate acne may also be prescribed antibiotics. Common prescription antibiotics for acne are tetracycline, doxycycline and minocycline. However, it can been noticed that as the P. acnes bacteria is becoming more and more common, it is developing a certain amount of resistance to antibiotics. Oral antibiotics for acne usually show results within a few weeks.
Oral contraceptives
Many women resort to oral contraceptives as long-term treatments for acne. Oral contraceptives suppress the over active sebaceous glands which produce the excessive sebum and lead to blocked pores and acne. A new pill with the progestin drospirenone has been known to be effective in controlling this hormonal activity. Oral contraceptives have several side-effects like strokes, heart attacks and blood clotting which need to be considered before starting on this course.
Topical Antimicrobials
Topical acne microbials include clindamycin and erythromycin and are most commonly prescribed to treat this condition. They work by attacking the P. acnes bacteria and its inflammatory effects and thus help to minimize papules and pustules.
Topical Retinoids
Derivatives of vitamin A, these topical retinoids such as tretinoin, adapalene and tazarotene all influence the cell creation and lifecycle of the cells in the follicle lining. This prevents the cells from getting blocked. Topical retinoids have been found to be quite effective in the treatment of acne but they have side effects like skin irritation and increased sun sensitivity.
Jack Smith writes about various health and acne topics. This article is free to re-print as long as nothing is changed, all links remained intact, the bio remains in full and the rel=ofollow tag is not added to any of the links. Thank-you - Please visit http://www.acnefreeinthree.info for more information on acne.
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